Health Coverage for Senior Immigrants/lead

[schealthagent]

Hello all I have a question for all you senior experts that could result in a lead for you. A client of mines' in laws are considering retiring to Florida (The Villages.) They are Bahamian citizens and are not sure what their immigration status will be when they move. He is 68 and she is 71. Am I correct in reading that they can't buy in to medicare until they have been in the states for five years? What options would someone in Florida (or any state for that matter) who fits their description have. I think that here they could get into the state pool (I'll have to double check that tomorrow.) Thanks.

 

[Dave020]

Rules no doubt vary from state to state. In CA, they could buy into the MRMIP state risk pool and wait out the five years to purchase Medicare.

It may be the same in FL.

 

[somarco]

International Medical Group - IMG

 

[moonlightandmargaritas]

No state pool in Fla.

 

[Crabcake Johnny]

Still shooting for the 5th? Cover Florida Health Care

 

[moonlightandmargaritas]

Still shooting for the 5th? Cover Florida Health Care

Yeah, supposedly they start taking apps on Monday. Not a state pool though, and issue age limits are 18-64 so the Bahamian folks don't qualify...

 

[Crabcake Johnny]

I notice the plans are "Mega-ish"

 

[moonlightandmargaritas]

I notice the plans are "Mega-ish"

Even worse in some cases...

Lifetime max of $50,000 on BCBSFLs "catastrophic" plan. Hope nobody has a catastrophe on it. While it is GI, there is 12 month pre-x exclusion.

 

[Crabcake Johnny]

UHC cat plan - outpatient hospital services = $400 per year benefit. Pathetic!

 

[schealthagent]

Thanks, I guess they should contact someone who's done it, apparently there's a substantial Bahamian community in the Villages. All of the options look sketchy, IMG was my first instinct too but the pre existing coverage would be pretty scary for the husband. Thanks and Happy New Years.