Husband Retires With Younger Spouse

[somarco]

Not your run of the mill situation.

Husband turned 65 7/2024 . . . retiring the end of March . . . Part B to take effect 4/1.

Spouse, age 59, will be covered under husband's EGH until she turns 65. But . . . that retiree plan has an annual cap of $100,000. They want "gap" coverage to pick up claims after $100k.

She can refuse the retiree plan and pick up Obamacare . . . and I don't want to stick her with an indemnity plan.

What options, if any, are available for her?

 

[axeman462]

Not your run of the mill situation.

Husband turned 65 7/2024 . . . retiring the end of March . . . Part B to take effect 4/1.

Spouse, age 59, will be covered under husband's EGH until she turns 65. But . . . that retiree plan has an annual cap of $100,000. They want "gap" coverage to pick up claims after $100k.

She can refuse the retiree plan and pick up Obamacare . . . and I don't want to stick her with an indemnity plan.

What options, if any, are available for her?

annual benefits cap of $100k, or an annual max out of pocket of 100k?

 

[sman]

Not your run of the mill situation.

Husband turned 65 7/2024 . . . retiring the end of March . . . Part B to take effect 4/1.

Spouse, age 59, will be covered under husband's EGH until she turns 65. But . . . that retiree plan has an annual cap of $100,000. They want "gap" coverage to pick up claims after $100k.

She can refuse the retiree plan and pick up Obamacare . . . and I don't want to stick her with an indemnity plan.

What options, if any, are available for her?

You know the answer to this. Obamacare is the only option.

 

[Allen Trent]

Not your run of the mill situation.

Good lord, I thought you said not your run of the Milf situation

 

[goillini52]

Husband retires with younger spouse...

 

[Allen Trent]

Husband retires with younger spouse...

View attachment 16763

She doesn't need coverage, still covered on her parents group plan. Her parents are only 48. Crazy

 

[goillini52]

She doesn't need coverage, still covered on her parents group plan. Her parents are only 48. Crazy

Yeah, she's 24. Bill's old enough to be her grandpa.

 

[somarco]

I thought you said not your run of the Milf situation

Those situations are restricted to the 5000 post forum

 

[somarco]

annual benefits cap of $100k,

This . . .

I doubt he will spring for an Obamacare plan and I don't work that market.

PIU has an accident only plan

Accident Only Major Medical Plan

Accident Only Major Medical Plan This plan is not Affordable Care Act (ACA) compliant. The Accident Only Major Medical Plan is designed for US Citizens and US Residents. The Accident Only Major Medical Plan has

www.piu.org

And the Bridge plan . . .

Bridge Major Medical Insurance Plan

The Bridge Plan The Bridge Plan, a major medical insurance platform catering to U.S. residents awaiting Medicare eligibility. It has faithfully served as the go-to gap healthcare product for persons aged 60 years and older

www.piu.org

But I don't see anything that is a good fit.

 

[axeman462]

This . . .

I doubt he will spring for an Obamacare plan and I don't work that market.

PIU has an accident only plan

Accident Only Major Medical Plan

Accident Only Major Medical Plan This plan is not Affordable Care Act (ACA) compliant. The Accident Only Major Medical Plan is designed for US Citizens and US Residents. The Accident Only Major Medical Plan has

www.piu.org

And the Bridge plan . . .

Bridge Major Medical Insurance Plan

The Bridge Plan The Bridge Plan, a major medical insurance platform catering to U.S. residents awaiting Medicare eligibility. It has faithfully served as the go-to gap healthcare product for persons aged 60 years and older

www.piu.org

But I don't see anything that is a good fit.

What about an off exchange plan with an HSA?

$100k in benefits can go fast