Retiring with a younger spouse
By Roni Bell, HealthMarkets Insurance Agency
I see it all the time. One spouse is over age 65 and the other isn’t. The person eligible to retire doesn’t because he thinks that continuing to work is the only way to provide benefits for his spouse. He thinks he can’t afford to provide healthcare coverage for her, or that because she has a preexisting condition there are no other options. But that’s not always the case.
Very often, he can retire and go on Medicare and we can find an appropriate healthcare plan for the spouse until she turns 65.
Affordable Care Act coverage (ACA) covers people who have preexisting conditions and underwriting questions are not asked.
Some people also think they can only make the change from a group plan to Medicare during open enrollment. But if you’re ready to retire, Medicare gives you special enrollment, while your spouse can enroll in an ACA plan if appropriate.
HealthMarkets has a number of different options available for people who are ready to retire but are still supporting a younger spouse. A quick review can reveal all of the options available to you both, and the best part is it won’t cost you a thing to find out.
While you’re stuck at work daydreaming about hitting the beach, traveling or playing golf, but are sticking it out at your desk because you think you can’t retire, life is passing you by. Give me a call to find out if you can start enjoying the things you really want to do, while securing affordable healthcare coverage for you and your spouse.
HealthMarkets Insurance Agency is located at 1039 Pearl Road, in Brunswick. Call Roni at 330-225-2550. Hours are Monday through Friday, 9 a.m.-5 p.m.; Saturday, Sunday and evening hours by appointment. Visit the website at HealthMarkets.com/RoniBell.
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated based on enrollment. No cost or obligation to enroll. HMIA006943