I am 62 buying health insurance from my deceased wife for 3 years.Now they say i can't buy.What i have to do?

Question

I buy KAISER INSURANCE.I pay over $ 300.00 a month.Anybody out there shows me what health insurance i can buy when my wife's company terminates my coverage.I will appreciate your help.Thank you!!!

Answer 1

Because of the death of your spouse, you are entitled to COBRA or State continuation.  This means that you can stay on her company's plan, provided you pay your own premium, which is calculated at 102% of the company's cost of your coverage.

Further, since you are age 62, COBRA will last until age 65 - when you are eligible for Medicare, provided you pay the monthly premium.

Answer 2

Contact Kaiser they will have an individual conversion policy that they offer to existing policyholders. The coverage will likely not be as good as the coverage you have on your company plan but it will be better than no insurance at all. And because you already have Kaiser insurance there should be no issues with any pre-existing health condition.

Answer 3

Contact a medium.

Answer 4

You can't buy health insurance for people who are deceased.  It's too late.  

If you've already run out of COBRA on her policy, which likely you have, you're going to have to talk to a local, independent agent, to get you a quote on something else.

You really need that local agent.  Not all companies write in all states, most won't take someone who's 62, and each company has a massive number of plans.  You need LOCAL INFORMATION, not something blind over the internet.

Answer 5

I suggest you use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses.

It is important you do this as early as possible to make sure you can pass underwriting for a new policy. If you have medical conditions that prevent you from passing the underwriting you may be HIPPA qualified to sign up for guaranteed coverage. When your current plan ends if you go for more than 63 days without coverage you will no longer be HIPPA qualified.

Answer 6

AARP --  I am 61 and I have never spend one dime on health insurance.  If your healthy insurance is not needed...  Or do you just want to spend more than $300 a month cause that is what it will cost.-- more than $300.   Look --your past the age of cheap insurance..  If your a Veteran register with the VA.   VA is wonderful and great service.  They really bend over backwards.....Social Security is Medicare at 65...