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One needs to have paid Medicare taxes for about 10 years to qualify for Medicare subsidies. One may also qualify based on their spouse's contributions, regardless if the spouse is dead or alive. If that does not apply, one can buy part A without a subsidy or apply for a Medicaid subsidy, assuming one is low income and passes the asset test.
Umarried individuals over 65 who dont pay medicare taxes for 10 years and dont qualify for the subsidies, get insurance how?
Quote:
Originally Posted by middle-aged mom
The private sector does not write individual plans for seniors.
Katiana and I discussed this in another thread, the group plan will usually have some stipulation that converts the 65+ policy into a medigap plan. I thought a group plan would cover people 65+, but it's far from universal and depends upon the number of employees and insurance company.
My husband is eligible for Medicare. He continues to be employed full time and is covered under his employer's large group healthcare plan. He has not applied for Medicare. So long as there is no gap in insurance, he will be good to go for Medicare when he retires.
My husband is eligible for Medicare. He continues to be employed full time and is covered under his employer's large group healthcare plan. He has not applied for Medicare. So long as there is no gap in insurance, he will be good to go for Medicare when he retires.
Why did you just spend pages arguing with me that one cant opt out of Medicare and accept it at a later date if your husband is doing just that?
Yes it is.. I specifically listed older seniors who was employed and had insurance as one such example of those who would decide not to receive medicare
You dont need to forgo it for life, you could opt in at a later day.
People who have jobs and an employer provided insurance, people overseas, or people who are just wanting to save the federal government money are 3 groups that would opt out off the top of my head.
I'm sure there are more.
Why would someone retired living in Europe, collect Medicare?
You CAN being the keyword.. not required to.. one can choose to go elsewhere for insurance if they choose to.
It'd be far cheaper than any private health insurance company plan. But give some company names that will sell health insurance to those 65+. Excluding, of course, Advantage and Medigap companies.
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