[V8] maintenance/predictions NAC

[Kneale Brownson]

Just find a policy that has the biggest deductible you CAN afford.  Or set up a DBA and join the chamber of commerce.  They almost all have a group health plan.
   
  Don't forget that when you get to 65 (or will it be 67 by then?), Medicare only covers most "normal" stuff and not necessarily in total.  And the biggest expense could well be your medications.
   
  I'm on Medicare and have a State of Michigan employee retirement insurance benefit, but I still get bills for some procedures.  When I had my shoulder scoped last year, I  ended up paying  a couple hundred to cover uncovered parts of the anesthesia, OR fees and followups, as well as the copays for the physicians and prescriptions.
   
  If you've been followed routinely by a physician the past few years, that would be the person to discuss with the topic of potential problems for the few years.

Mike Arman <Armanmik at earthlink.net> wrote:
  
Opinions solicited . . .

 I am trying to "predict" 
what medical problems and/or procedures *I* am likely to need over the 
next five years, after which time I will be eligible for Medicare and 
won't need to buy health insurance any more.

I need some sort of actuarial table which goes something like this: "A 
male of 60 years, normal height and weight, can expect a XX% chance of 
(pick a medical problem - or problems) in 5 years, 10 years, 20 years."

I also need some sort of actuarial table which gives estimates of the 
chances of my being injured in other than an automobile (my car 
insurance will cover that).

As you can tell, I'm trying to find some sort of health care plan which 
will cover me for my most probable medical needs and not break the bank 
in doing so (wish me luck).

I do know that most "dread disease" insurance policies are a waste of 
money, and the AARP insurance plan which they sent me covers essentially 
nothing for $150 a month (they pay 17 whole dollars toward an EKG . . .)

Problem is that everyone who offers these plans will tell you THEIRS is 
by far the best, and I have no real way to evaluate what I might really 
NEED as opposed to what they have to sell me.

Finally, I would like to avoid political discussions about what might 
happen sometime in the future maybe perhaps, and whose fault it is or 
isn't. None of this, interesting as it is, will help me evaluate my 
options NOW, if things change (hopefully for the better) then I'll 
rethink the coverages I need.