A few of my friends have a man who is now age 65 soon to be getting Medicare coverage, while his wife is not yet 65, so she does not qualify for Medicare or for the COBRA option of her spouse's former employer. Are there any programs for her to not have to pay for health insurance entirely out of pocket?
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First, I would check with your state insurance department or health and human services department to make sure there isn't other state-sponsored programs that can assist you (link below). Medicaid is the obvious example, but you generally have to make less than $13,200 for a family of two (link below). You might want to check out Benefits Check-Up, a free service from the National Council on Aging. When you visit the site, you can answer a few questions and find out whether you are eligible for government programs (link below). Needy Meds is an excellent resource for discount drug and treatment programs (link below). As for private insurance, your best bet is to do what you're doing now and try to find out what people in your situation are doing. To get a good overview of what health insurance is like where you live, you should talk with more than one state-licensed health insurance agent. In minutes, they should be able to answer your questions about affordable private insurance. MostChoice.com is a good place to start. There's no cost or obligation to buy anything; you fill out a short information request form, send it in, and within two days local agents should contact you. Tell them what kind of coverage you want and how the price range you're looking for, and let the agents do the rest. Talking with more than one agent increases your chance to find what you're looking for (and encourages healthy competition for your business). You can visit MostChoice here: http://www.mostchoice.com/health-insuran… Hope this helps, Barnes@MostChoice
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