I have a client who is 64 ½ and needs health insurance to tide him over until he turns 65. Is there a carrier that will issue this guy a policy? I am in Indiana and am appointed with Humana, Assurant, World, American Community, and Golden Rule. Of these options, I am out of luck. Suggestions? This guy is in perfect health, by the way.
Placing a 64 1/2 Year Old...
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A lot of BCBS plans go to 65, not 64 1/2
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Short term as previously mentioned.
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Short term as previously mentioned.
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TPetersen
Expert
Most carriers, as you are probably finding out stop writing at 64 and a half. There is a temporary plan called "The Bridge Plan" which is designed for people waiting for Medicare eligibility. It was originally designed for senior age people who move into the USA from another country at which time, they will become eligible to participate in Medicare after a minimum of 5 year permanent residency. This plan later found a niche for US citizens who are either waiting for Medicare or missed their enrollment time and now have to wait to apply for Medicare later (first quarter of the following year, with benefits beginning July 1st afterthat!).
You can find the Bridge Plan through many brokerage outlets. If you have a problem, I can forward you the information.
Good luck!
You can find the Bridge Plan through many brokerage outlets. If you have a problem, I can forward you the information.
Good luck!
InsCandy
New Member
Short Term~ HPA will do it! 
not sure what is called there, but they have a Cover Tenn here.
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TPetersen
Expert
I hope you do find outher options. Most carriers will allow coverage to continue to 65, but usually they stop issuing at 64 and a half.
Good luck
Good luck
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