My husband (age 32) cannot get an individual insurance policy because he is soon to be on medicare. Is this true?
2007-03-22 05:31:34 · 6 answers · asked by Mrs. T 4 in Business & Finance ➔ Insurance
Yes, I am sure he is going on Medicare, due to a disability.
2007-03-22 06:23:27 · update #1
Medicare is for people over the age of 65 and for some permanently disabled people, like those with end stage renal disease. In order to go on Medicare at age 32, he would have to already be pretty sick so I'm not surprised that he can't get an individual insurance policy.
Are you sure he's going on Medicare?
Additional info based on your additional info.
If he's sick enough to be getting Medicare at age 32, then I seriously doubt he'll be able to find a private insurance company that will insure him.
Look at it this way. You would pay them a couple hundred dollars a month in premium and in return, they'd be liable for thousands of dollars in medical bills. Insurance companies take on risk based on statistics. In your husbands case, he is already statistically going to have a ton of medical cost. They aren't going to take on a risk where they already KNOW it's going to cost them way more than they'll ever collect in premium.
If they insure 10 healthy people, they know the statistical chances are that one of them is going to get sick. However, the premium they collect for the other 9 will cover the cost of the 10th one. They aren't going to go out and deliberately find the sick guy though.
Also, pre-existing conditions are not covered so even if he managed to find someone that would insure him, they would exclude his current illness anyway, and anything that is related to that illness.
2007-03-22 06:21:32 · answer #1 · answered by Faye H 6 · 2⤊ 0⤋
He must have an existing medical problem. If so no one will cover him for a min. of 6mo. to a year. So really there is no since in getting insurance because of pre existing ailment or injury. You would pay a high premium and it won't cover what he will need it for. Or by the time it covers he will be on medicare already. So save your money. My insurance self-employed with back injury nerve damage didn't cover me for 6 mo. and the cost of 400 a month. Not sure that it is true. Insurance companies love taking your money especially when they know you can not use it for what you need it for. Have you tried Blue Cross Blue Shield. They covered me with a bad back.
2007-03-22 05:48:06 · answer #2 · answered by ascendent2 4 · 1⤊ 0⤋
Medical coverage is a lot more principal You don't want existence coverage until you might have dependents that can't live on with out your earnings. Don't permit a existence coverage salesman rip-off you
2016-09-05 11:58:06 · answer #3 · answered by jensen 4 · 0⤊ 0⤋
Absolutely not. The cost for an individual policy will be quite expensive for an HMO type policy. You should look into a high deductible, catastrophic policy. It would be far less expensive, but since you don't need coverage for long, it would be a good option for you.
Get out your yellow pages and call an independent agent to talk.
Good luck
2007-03-22 05:59:55 · answer #4 · answered by Ceroulious 2 · 1⤊ 0⤋
Yes. He can puchase a medicare supplement .
2007-03-22 05:41:08 · answer #5 · answered by Scott 2 · 0⤊ 0⤋
Well, when you apply and get denied, they TELL you why they are denying you.
My guess is, it has to do with his disability.
2007-03-22 06:57:42 · answer #6 · answered by Anonymous 7 · 0⤊ 0⤋