Is there such a thing as affordable health and dental insurance for someone that is 60 years old?

Question

And in pretty good health? What company(ies) would you recommend. I live in Omaha, Nebraska United States. I currently pay $330 a month for PPO BCBS a month and it is killing me! Thanks

I would like to have a $500 deductable. Thanks

Answer 1

Is your income low enough to qualify for Medicaid? Or can your health hold out for Medicare at age 65? You can get health insurance but to keep it low you'll either need high deductibles or minimum coverage. If your concern is having high hospital bills, you can protect against that. If you think you'll need more coverage for regular doctor visits, your costs will be higher.

Is it possible that you can just go to the medical clinics that charge around $60-$80 for a specific problem?

Answer 2

If $330/month isn't affordable for a 60 year old (on a $500 deductible plan), then you're going to have a VERY difficult time finding something you'd call affordable.

Seriously, I pay $450/month just for me and I'm 36. And that's only because I'm lucky enough to have access to a group plan (though I do have to pay 100% of it myself, that's still MUCH cheaper than the $800/month it would cost me for similar coverage on an individual plan.)

As someone else suggested, you should seriously consider choosing a higher deductible and possibly going with a high-deductible plan with a health savings account attached. (If you're in good health, then you could use the money you save in your health savings account later for paying Medicare premiums, when you become eligible, if you don't need to use it for your medical needs over the next 5 years.)

Answer 3

You may want to consider a Health Savings Account (HSA) or another similar high deductible plan rather than a (very low) $500 deductible plan.

The most important thing to keep in mind is that you want to keep comprehensive major medical coverage with no annual or procedure limits in the event of a large medical bill. The extras like copays are really just a preference (and budgetary) item.

You will want to compare health insurance quotes from at least 3 different health insurance companies. A good quote service that offers 5 health insurance quotes from top insurance companies in your home zip code is Health Quote 360.

Answer 4

I would recommend that you try this web site where onel can compare rates from different companies: http://cheapinsurancequotes1.info/index.html?src=3YAZOUMDt6NFQ

RE :Is there such a thing as affordable health and dental insurance for someone that is 60 years old?
And in pretty good health? What company(ies) would you recommend. I live in Omaha, Nebraska United States. I currently pay $330 a month for PPO BCBS a month and it is killing me! Thanks
Update: I would like to have a $500 deductable. Thanks
Follow 10 answers

Answer 5

There are two good ways to shop around for a better rate. One, find a local independent insurance agent (one who represents several companies) and put them to work finding the best deal for you. Two, use one of the free online services that does the same. Here's a page that lists a few such services...

Answer 6

NJ is between the main costly states to purchase scientific coverage, perfect in the back of long island. The rules are quite controlled by potential of the state and there is not lots distinction. your terrific determination is to go. different than that, you may get a funds plan with few reward for a existence like top type.

Answer 7

You would be well advised to call BCBS and ask for a higher deductible. The average in South Florida is $2500. Don't be afraid of it.

Answer 8

Ya know, your rate sounds pretty darned good to me!! The only way you'll get something substantially cheaper, is if you get a job with an employer that picks up more of the tab for it.

Answer 9

not so expensive