Placing a 64 1/2 Year Old...

Discussion in 'Health Insurance and Ancillary Benefits' started by maximas, Sep 3, 2009.

  1. maximas
    Offline

    maximas Active Member

    Posts:
    28
    Likes Received:
    0
    State:
    Indiana
    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.
     
  2. dgoldenz
    Offline

    dgoldenz Moderator Moderator

    Posts:
    4,149
    Likes Received:
    1
    State:
     
    Short term policy?
     
  3. TXINSURANCE
    Offline

    TXINSURANCE Well-Known Member

    Posts:
    3,816
    Likes Received:
    6
    State:
     
    A lot of BCBS plans go to 65, not 64 1/2

    -or-

    Short term as previously mentioned.
     
    Last edited: Sep 3, 2009
  4. TPetersen
    Offline

    TPetersen Well-Known Member

    Posts:
    59
    Likes Received:
    0
    State:
    California
    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!
     
  5. InsCandy
    Offline

    InsCandy Member

    Posts:
    5
    Likes Received:
    0
    State:
     
    Short Term~ HPA will do it! :)
     
  6. leftsided
    Offline

    leftsided Active Member

    Posts:
    40
    Likes Received:
    0
    State:
    Wisconsin
  7. Chazm
    Offline

    Chazm Well-Known Member

    Posts:
    3,564
    Likes Received:
    4
    State:
    Florida
    yeah your golden rule will definitely do it with the short term plan
     
  8. jaminb
    Offline

    jaminb Member

    Posts:
    7
    Likes Received:
    0
    State:
    Tennessee
    not sure what is called there, but they have a Cover Tenn here.
     
  9. maximas
    Offline

    maximas Active Member

    Posts:
    28
    Likes Received:
    0
    State:
    Indiana
    Thanks guys! I am going to use Golden Rule.
     
  10. TPetersen
    Offline

    TPetersen Well-Known Member

    Posts:
    59
    Likes Received:
    0
    State:
    California
    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
     

Share This Page