athena53
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- May 11, 2014
- Messages
- 7,779
Was the CHM coverage considered "creditable coverage" when she signed up for Medicare? If you sign up past age 65 (which DH did at age 76 after being on my employer's policy since I'd just retired) we could prove that he'd had creditable coverage up to that date and thus avoided paying a permanent surcharge. I'd thought CHM didn't count as creditable.My wife retired at 59.5, I retired at 52, I am 8 years younger than my wife.... After Cobra was exhausted 18 months, we signed up with Christian Healthcare Ministries ....... We went from paying $1200+ with a high deductible down to, at the time $300 for the both of us ..... Today, my wife is 70, I am 62 and still with CHM .... I pay $267 Per month
I also agree with sticking with IBM- most likely lower potential out-of-pocket and a wider network of docs than ACA.