Message Font: Serif | Sans-Serif
No. of Recommendations: 0
Hello fellow retirees and others,

I have an odd insurance situation. My wife and I are separating physically, but not legally, if you get the distinction. She's still working, I'm not. I am moving to Indiana. She is staying in CA. She has group coverage at work, and I'm covered under that for California doctors etc. It won't cover anything in Indiana except emergencies. I've been looking at insurance coverage and I can probably get a high deductible high copay policy for about $100/month. But, doing the mental math, I'm not sure I need to do it. My regular doctor has reminded me that there's nothing really left to test. We know I have fibromyalgia, peripheral neuropathy, and IBS. At this point, I'll just need a doctor in Indiana for maintenance meds, flu shots, and the occasional cold. Emergencies will be covered by the wife's group plan. If it were something really serious and I could make it to CA, treatment wouldn't be a problem.

I'm really considering just leaving my insurance as it is. Would I really benefit from paying that $1200+/yr for premiums, considering my situation? IOW, I think it boils down to: will I be paying more than $1200 premium, plus $2500 deductible, plus 50% copay if I just pay the doctors cash for my health maintenance?

Things could change, of course, but at this point, it doesn't seem to make any financial, or other, sense to get lawyers involved in our affairs.

Hedge - discovering that there's just too much nonsense involved in getting disabled
Print the post  


When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.