How much would decent health insurance cost in the USA for an elder person, say 65, who has no health history in the us due to being an immigrant? I am talking about the decent type of health insurance one gets when working for a fortune 500 company with low premiums and 20 dollar copays. ANy advice?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It depends on previous health problemsand what state you live in. There is no such thing as low premiums and $20 co-pays unless the employer is paying for the majority of the premiums.
2 :
No such thing as low premiums and low copays for a person 65 or over. For a single person 65 or over, the insurance, if you can get anything at all, will certainly be over $1000/month anywhere in the US. Don't be surprised if it costs $2000 or more per month for private health insurance for a person over 50. Coverage is also likely to be limited, and vision, dental, prescription coverage either unavailable or at a higher cost. Furthermore, "no health history in the US" is irrelevant since the person is going to have to have a comprehensive health exam at that person's expense - so plan on a couple thou (in cash) for all the lab and other tests plus the doctor bill.
3 :
I think you're not going to find someone willing to give private insurance to someone who's 65, for the first time. Here in the USA, an American citizen who was perfectly healthy, not overweight, nonsmoker, and no preexisting conditions, at the age of 64, would likely be paying $1,000 a month for a comprehensive plan, although that copay of $20 you're suggestiong JUST isn't realistic. When one works for a large corporation, everyone is AVERAGED. So, you take 5,000 people, and each one pays $500 a month for insurance. Each one gets maternity coverage - including the men. The youngest men could find coverage cheaper on a private policy, because the price for ALL of them is averaged together.
4 :
It depends on the state the person lives in. My best guess would be that someone who's not eligible for free medicare PART A, would have to pay somewhere around $700/mo.
5 :
It will likely cost between $500 and $1,000 a month unless you live in a very expensive low competition government controlled state like NJ.
6 :
Try this site where you can get quotes from different companies http://heinsurance.notlong.com
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