Doug Morton
New Member
- 19
Here's another American citizen way of not having credits for Medicare - they didn't work (homemaker) and spouse was on a state sponsored retirement plan. Now, two divorces later, she is not eligible for medicare or the state benefits from a prior husband (she remarried and nixed that benefit). I told her it was worth it to try again with her state retirement board and try to get any benefits she could.
To sign up for medicare, if you aren't entitled for free Part A, with less than 30 quarters of paid income, the Part A premium is $471. Part B is $148.80. Total $619.80.
ACA is too expensive for her as I am seeing lowest at $587 with an $8K deductible.
Income is too high for Medicaid.
Short Term Medical doesn't appear to go over 65.
Petersen does have an Accident Only Major Medical around $200+ a month.
A variety of Hospital Indemnity plans are out there anywhere from $10 to $100/month for various reimbursement amounts.
Seems to me that it's not out there because it is too risky to the carriers for the age group.
Any high-deductible HSA's out there for 65+ non-medicare?
To sign up for medicare, if you aren't entitled for free Part A, with less than 30 quarters of paid income, the Part A premium is $471. Part B is $148.80. Total $619.80.
ACA is too expensive for her as I am seeing lowest at $587 with an $8K deductible.
Income is too high for Medicaid.
Short Term Medical doesn't appear to go over 65.
Petersen does have an Accident Only Major Medical around $200+ a month.
A variety of Hospital Indemnity plans are out there anywhere from $10 to $100/month for various reimbursement amounts.
Seems to me that it's not out there because it is too risky to the carriers for the age group.
Any high-deductible HSA's out there for 65+ non-medicare?
