[V8] maintenance/predictions NAC

[d saad]

All these things you want are well known by the insurance cos. That is why
you only get $17 toward an EKG - they know it is a popular procedure.
Similar to the warranty extensions you get for everything from cars to
toasters, they know when these things are likely to need major work, and
the warranties are timed to run out just before that. Any car on the road
will make it to 100K miles with less than $2000 in un-scheduled repairs.
If that were not a slam dunk certainty they could not sell the
coverage.
It is the next 100K that will be expensive, and no one
offers to insure your car for this period.

I don't know exactly
how you could research this, but you can start with family members. If
high blood pressure or cancer or toe nail fungus runs in the family - well
- your risk is higher. This is why the insurance cos ask so many questions
about family. 
You can also look at your work history. Did you work
in a coal mine? Any industry has its health issues. I sit behind a
computer all day - and it is killing my back.

I suppose you
could talk to a doctor, but unless he/she/it is a good friend, they may
not be candid. I have friends who are doctors and health insurance
salesmen. They both buy specific coverage on their own. Probably because
they are both basically self-employed.

Sorry I could not help
more - but this is a huge problem with no one good solution.

Dave


> 
> Opinions solicited . . .
>

> This has almost nothing to do with Audis but Audis do make a
stepping
> off point for the question.
> 
> We
pretty much know that a V8Q will need a timing belt every 60K at a
> cost of about $1,000 (or so), racks last XXX miles, heater cores
after
> so many years and so on.
> 
> We can
predict the service and maintenance that will probably be needed
>
in the future when we look at the miles, usage and present condition of
> the car. While each car is of course different, these predictions
make a
> good general guide.
> 
> I'm trying to do
the same thing for myself. 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.
>

> Best Regards,
> 
> Mike Arman
> 1990
V8Q
> 1946 model me.
>
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