Before baby boomers take Medicare health insurance, they are fighting alone in the health insurance market.
This does not mean that there are no ways to save on baby boom health insurance before the age of 65 … it is worth shopping.
I retired in 1994 and been on Medicare for several years … and will admit that I have catastrophic insurance for 16 years before I turn 65 … I took advantage of the savings that Medicare offers me right now.
There is certainly no guarantee that the savings I am enjoying now will continue … especially with the new health legislation looming … don’t be surprised if everyone’s rates, including those over 65, will go up when it comes in. at stake.
How can baby boomers save on health insurance before the age of 65?
The simple answer is to go online and do your research … if you are reading this article it means that you are familiar with using the Internet for research and you should take advantage of the res that search engines offer.
My wife is also part of Medicare, previously noted that her monthly health insurance bill went from $ 168 per month to $ 246 per month. after finding out online that the cheapest programs that offered essentially the same service were available from your current insurer … we called our current insurance company and subscribed a $ 182 per month policy. All with a simple phone call.
These savings opportunities are available to anyone willing to do some basic online research and spend some time on the phone.
There are some obstacles that prevent people from saving money, some of the most common are:
- Fear of having to find a new doctor
- Reluctance to change from a company you are familiar with
- Not willing to put up with a hassle of shopping around
You can find out online which insurance plans they accept … if in doubt call your current doctor’s office and ask them which plans they accept.
Some are reluctant to change from an insurance company they have been with for a long time … Insurance companies are not dummies and they know that people are reluctant to change … the reality is that companies often offer much lower rates to get new customers … it makes a lot of sense to change insurance companies every three years or so.
The last reason baby boomers are reluctant to try and save on health insurance … is the hassle of spending time on the phone … with your current insurance company or a new one.
I don’t like spending a lot of time talking to sellers on the phone, but when you look back at the opportunities to save by doing this, it seems like a wise investment of time.
Now you can also compare Medicare plans without providing your phone number, but there is a trick to do it … when you go to the page below and open the window you don’t click on Medicare, if you do it you will be asked for your number by phone … instead, go to the individual health plans and give your current age, even when you are over 65 … you will be directed to a page that will show you your Medicare options … without providing your phone number.
Previously the government thought you were too stupid to make decisions about your age of 65 and asked you to go through a clerk in charge of Medicare plans.
You can save without someone else’s help … Isn’t it?
I thought so.
It’s worth it and you won’t have to give your phone number to decide for yourself which plan is best for you.