Brenda Groth wrote:
here in Michigan I purchase a product called Blue Value from Blue cross and Blue shield..for myself I pay about $200 a month and it is a major medical..with a $1000 deductible..then 70 % and does cover some prescriptions..but not many
I had a hernia operation that would have cost me about $26,000 and I'm going to have to pay my $1,000 ded plus about $1,000 in copays..for the hospital bill..a lot better than $26,000 and my ins cost for the year was about $2,400 at $200 per mo
now my deductible is paid for the year and I have just about met my yearly max..so I can go ahead and have all kinds of tragedies happen now up until Dec ..tee hee.
John Polk wrote:
Once you reach 65, Medicare will kick in. The basic Medicare is fairly limited as to what it will cover, but you will be bombarded with "junk mail" from companies that offer "Supplemental Coverage". You will need to carefully look over the many packages that are offered (in your state). SocSec will send you a state-specific overview of the plans. Study it thoroughly, and try to determine which plan best fits your specific situation.
The availability of these plans (and their costs) will depend on where you live. If you live in Boston, L.A., Seattle, etc, the available plans will cost you more than if you live rurally in a state where medical costs are cheaper.
I am currently looking at properties in "semi-depressed areas". There is very little employment opportunity in these areas, but medical costs are much lower than in "booming" cities. Consequently, I will be able to get much more medical coverage, for a fraction of what it would cost me here (Seattle). In TN, WV I can get twice the (effective) coverage for about half of the price locally. It is a good option once you reach the age/situation that you no longer depend on employment for survival.
The only thing is I will be 48 when and if I retire from military. I am worried that I will be at an age (48) that it is tough to work as hard as I could at age 35. And most of my later years will be spent developing a farm(which is all the hard work). I just don't know
John Polk wrote:
Your plan actually fits into permaculture better than what most people are doing. We all want quick results, which are difficult to accomplish in a true permaculture sense. You will have 20 years to work with your land before you expect results out of it. By the time you retire (and your pension should be "comfortable" the higher you rise), you would have mature black locust trees to use for lifetime fencing and other projects. Everything will have had time to balance out, and provide you with an abundance of pick and eat foods. Good luck with your plans and career. Twenty years from now, you will be laughing at 90% of the world around you.
We live very, very carefully. We had health insurance for years that we paid for (self-employed). Then the state changed the laws and all but one health insurance company left the state. We got Blue Cross Blue Shield - the only option. They gradually jacked up the rates so that even with a $60,000 deductable per year we were still paying over $12,000 in premiums a year. That just isn't worth it. We then went uninsured and paid our own bills. Live very, very carefully.
Fact is, the reason health care is so expensive is because of health insurance. Nobody was questioning how much it cost because the employer paid the premiums and the insurance paid the doctor and hospital. It got way out of hand. No there is a mess.
I think I will throw in a quick word: allopathic medicine isn't the only way to health. Its not absolutely imperative to have health insurance for things outside of emergency care. I wouldn't work myself like a slave over 40 hours a week for it or center my life around whether or not I have insurance. I'll go rollerblading, swimming, and drive a little too fast sometimes. Worry and stress can cause its own problems. Of course, some people will disagree with me... and I'm young still.
John Polk wrote:
You also get commissary privileges. That could be a big plus if you decide to set up overseas (providing you are near a base).
Thanks prairie, i guess I might have to turn to being a Christian