- Thread starter rick1
- Start date
That depends on everything; your age, your family involved, your income, where you live [ I think ], maybe some other stuff. I buy it for wife and 2 kids, and with our income, location, the Federal kickback, etc., I think it totals out at about $350 per month. I know this thing is controversial, but now for the first time I can buy health insurance for my diabetic son.
This will get political in about 3-2-1.........SO read fast. I'm just shy of 60,Blue Cross monthly premium is just over $1000 a month. Here's the chart showing the level where you're eligible for an INCOME tax credit. And that's just it,it's a tax CREDIT based on income. There's no asset test,so you don't have to give the farm to the kids to qualify as has been inferred in past discussions.
Same here. I estimated my income too low the first year and had to pay back a good chunk of the credit when I filed my income tax this year. I raised my estimate considerably this time around and I pay $385 out of the $1000 premium. Again,if I go over the income that I estimated,I'll have to pay back whatever portion of the credit that I didn't qualify for.
Owen Aaland
Well-known Member
rates are based on where you live along with your age. In SE Minn my BCBS individual plan, age 63, is $875 a month with a $1750 deductible. I pay the first $1750 of any medical expenses, then the plan pays 100% of anything over the deductible.
TomH in PA
Well-known Member
How much you pay depends on what plan you select. Lower monthly premium means higher copays and higher deductibles. If you are in good health and can afford a few thousand dollar hit in the event of a major illness you can get a plan that has lower monthly payments.
Ivan in Mich
Member
I didn't know what it costs but I am sure glad that I have it thru the VA
If you use external_link Care you sign up and then latter they tell you how much it's gonna cost you latter.. for me 63 and no health issues $6,000 deductible $550 per month..and that's not through external_link care,,and it don't seem to matter if your healthy or not,, that's the price.
I retired from teaching high school for 34 years at age 56. BlueCross BlueShield runs around $400 with dental and drug for just me. The dental portion is around $25/month. This is sort of a high end plan similar to what I had at my former employer. I buy the policy through my Farm Bureau Insurance Agent. Someone had once told me Farm Bureau BCBS may be 20% less than BCBS through a BCBS agent. Another thing is if you can get "underwritten" by actually filling out the multi-page questionnaire about your health. That will save you some money. Since I took this plan out in 2010 I do not think my plan is affordable health care plan compliant, so it is less than if I took out the same plan today. I pay $25 per doctor visit. Paid $5.00 for a $50 prescription just today. Dental pays 100% for preventative. Had two crowns done last month and paid half. If you are self-employed and have earned income more than your health insurance premium then it is deductible. If you are not self-employed then it may be deductible on schedule A under health care costs, but it is sort of hard to have high enough of an amount to make the limit. What I found in comparing health care policies is that you really don't save all that much by increasing deductibles and co-pays.
Once you get 65 and have to go on Medicare,a supplement policy is not too bad.. Wife and I got a Plan F through AARP,for about 350 a month for both of us. Anything Medicare approves, we don't have a deductible or copayment..I have not used it but once this year and hope I won't have to. Tommy
Billy Shafer
Well-known Member
I had a good policy until external_linkcare hit. I am on disability have Medicare part A because it is free. Can't afford part B. With the 104.00 a month for the medicare fee. Plus the 396.00 for the only plan that covers my county. I simply can't afford it.My old plan was called bad by some people. But it paid what I needed it to.The VA is useless to me. Been in there system since 1973. Even have my VA card. But they say they now have no record of me. Told me to reapply.Told them to stuff it. Tired of fighting them.
retired farmer
Well-known Member
If I had to pay a thousand dollars a month for insurance I wouldn't have to worry about eating or having a place to live.
I went on medicare this month and bought my first medicine through them.My insulin and another drug I take are not covered through medicare.I have a drug card that pays some.A 2 1/2 month supply of insulin cost me 70 bucks.I have to pay 20 percent of the inflated government cost of the drug.Medicare is not allowed to shop for cheaper prices,some government rule.I could probably buy it cheaper in Canada without the drug card.My wife is 62 and the cheapist policy we could find her is 8000 per year.I don't want anything to do with external_link care,not looking for a handout.
farmerwithmutt
Well-known Member
Mines 1500 a year .I run a high deductible but I keep a couple extra steers around so I can have quick cash if I need it. One other farmer I know has an extra tractor he feels he can sell if he needs some extra cash
farmerwithmutt
Well-known Member
Sorry I forgot I'm 59 and also I set mine to pay once a year when the rent is due or get my tax refund
Wife and I are on BCBS F plan with no deductible or copay and pay a little less than AARP when we were looking. We have Silver Script Plus D plan( no deductables or copay) and pay $150.00 a month for both of us. I have had several hospital stays and never had to paid a cent BCBS picked it all up. On my D plan I have only had to pay $350.00 out of pocket and that was when I hit the dough-nut hole.
Medicare only pays for drugs if your in hospital or drugs are given to you at doctors office.You need a part D plan which picks up the drugs. If you don't get on a D plan and deside to get on one later you will be penalized for not getting on it and you pay that penalty for as long as you live.
Hobo,NC
Well-known Member
- Location
- Sanford, NC
I am 59 and self employed I have been self employed for 37 years..
I dropped my grandfathered plan this Feb and went on the take with the ACA plan... My grandfathered plan cost me $574 a mo and there was nuttin I could do to lower the premium I was stuck with it... My ACA plan cost me $174 a mo. I have not used it and hope I don't need it, it looks to be better than what I had... I would have stayed with my grandfathered plan if I could have raised the deductible to lower the premium just to stay off the ACA supplement...
RobCons
Well-known Member
- Location
- Central Alabama
Ours is through wife's employer for a little while longer. BCBS plan (PMD) for state employees runs us right at $215 per month. Once she retires we are looking at an estimated $700 per month.
Geo-TH,In
Well-known Member
Today, you no longer pay health insurance priemiums, you pay a health insurance tax. What you pay for health insurance is based on your income. I know a person who works part time for $8.50/hr and only pays $59/mo. The more you make, the more you pay. If you make more money than you say you are going to make, you will have to make it up when you file your taxes.
As far as I know the G plan is a supplemental to Medicare parts A&B which only covers your drugs if your in hospital or if given to you at doctors office. The D plan is what covers your drugs bought outside of hospital or doctors office. I have Medicare Parts A & B with the F Plan (BCBS no deductable or copay) as a supplemental to Medicare A & B. My D Plan ( Silver Script) is what picks up the drugs that I have to buy at drug store. There are plans out there called advantage plans that cover both the supplemental and D plan to Medicare A & B. I don't like the advantage plans because it locks in your supplemental part of insurance for one full year. The way I have mine set up I can change my supplemental any time of the year.
I and the wife are with Mutual of Omaha,good co.so far, and Medicare. Wife has plan F and Part D,I have plan G {I pay first $140.00} as I only go to DR. once a year {so far},no part D.
Wife has had heart bypass and heart valve,depression,high blood pressure,etc. Mutual has picked up most if not all.
Both plans are working for us now,we are both in our 70s.
Wife has had heart bypass and heart valve,depression,high blood pressure,etc. Mutual has picked up most if not all.
Both plans are working for us now,we are both in our 70s.
My 52 year old nephew has Medicaid and he doesn't want to pay anything. He had eye surgery and the cost was $16000.00. He didn't pay a nickel. He didn't have Medicaid until he was forced to get it. If he had been living with us we would've had to pay for his surgery. That's the law here in MD. Good thing he never married. Hal
A Part D plan is only a prescrition plan nothing else. My D plan is through Silver/Scrip administered by CVS Caremark and I am on their Plus Plan (their top plan no deductable or copay $79.00 a month). For generics and common drugs I pay nothing.I have one drug that falls in one of the tiers ( I think its' tier 1) that I have to pay some of the cost of drug out of my pocket. I have never heard of a G plan as a perscription plan. I thought that the G plan was a supplemental to the medical part of the Medicare parts A&B. I know my F Plan and I think your G Plan is the same way and they both pay for drugs in the hospital and at the doctors office but won't pay for perscriptions at drug store or mail order ( thats where Part D comes in ).
I have never seen one of those drug cards but do get some from differant companies. I have tried to use them when I hit the doughnut hole and girls at CVS told me to through them away because they had a way of running it through something else and could get me better discounts and sometimes I pay nothing.
Similar threads
We sell tractor parts! We have the parts you need to repair your tractor - the right parts. Our low prices and years of research make us your best choice when you need parts. Shop Online Today.
Copyright © 1997-2024 Yesterday's Tractor Co.
All Rights Reserved. Reproduction of any part of this website, including design and content, without written permission is strictly prohibited. Trade Marks and Trade Names contained and used in this Website are those of others, and are used in this Website in a descriptive sense to refer to the products of others. Use of this Web site constitutes acceptance of our User Agreement and Privacy Policy TRADEMARK DISCLAIMER: Tradenames and Trademarks referred to within Yesterday's Tractor Co. products and within the Yesterday's Tractor Co. websites are the property of their respective trademark holders. None of these trademark holders are affiliated with Yesterday's Tractor Co., our products, or our website nor are we sponsored by them. John Deere and its logos are the registered trademarks of the John Deere Corporation. Agco, Agco Allis, White, Massey Ferguson and their logos are the registered trademarks of AGCO Corporation. Case, Case-IH, Farmall, International Harvester, New Holland and their logos are registered trademarks of CNH Global N.V.
Yesterday's Tractors - Antique Tractor Headquarters
Website Accessibility Policy