well it was bound to happen sooner than later. DW retired because of health problems, she has MS, and the school dist will pay for her insurance until she reaches 65. BUT, in the wording of the contract that means she is only covered and I loose my coverage for eye glasses and dental. I have fed blue cross and they don't cover those needs. so I thought I would look around for a supplement insurance. found out if I got one of the supplement insurances my blue cross would be canceled out and gone. don't think I want to do that, even the lady on the phone told me not to do that. might have to look at federal plans during open season this year, might have to go to another plan. this getting old stuff is for the birds. like retirement, just don't like all the side effects.

We use GEHA under FEHB, has eye exams and minimal dental.We use Zenni Optical for our Glasses. Progressive Bifocals about $38 including shipping. Transition Progressive Bifocals about $109 including shipping.Have purchased about 6 pairs over the last year. They are so reasonable, order backup, prescription sunglasses, etc. We have been 100% satisfied. Just got tired of paying $300++ for each pair of glasses.Dental, we go to Acuna by Del Rio, Geha even reimbursed covered costs for our Mexican Dentist. She is great! and reasonable.carried FEHB, BCBS for years, but coverage, deductibles etc., continued to erode. We liked BC, but GEHA has been a satisfactory replacement at less cost overall for us.It may become a moot issue in the future, who knows!Good Luck

We just need to get rich enough to go the private pay route. At 62 it is hard to greatly change retirement funds balance however in our case.I think the unknowns grow each day.Best of luck find the right options for your household.

Wish you didn't bring up getting old and side affects in the same paragraph.Reminded me about getting old and side affects.It's like a pressure headache, after awhile, you don't know you have it. Well, almost true, I'm reminded every morning when trying to get out of bed.First thing I check is to make sure my name isn't in the Obituary Column. Then, the side affects don't seem as permanent as the alternative.Safe Travels Old Guy from Oler Guy!

My retiree insurance was cancelled when the Affordable Care Act was signed into law. I shopped around, did the math and found that it would be cheaper to self pay for dental and optical than to purchase insurance. I only get dental cleanings and no major work thank goodness and only need glasses every 2 years. I just save the money for those things. Many times if you self pay and ask, the provider will offer a discount. I would be careful about changing insurance companies right now. Have you tried getting a quote from the Affordable Health Care exchange for your state? Might help you make the decision.

sdianel wrote:My retiree insurance was cancelled when the Affordable Care Act was signed into law. I shopped around, did the math and found that it would be cheaper to self pay for dental and optical than to purchase insurance. I only get dental cleanings and no major work thank goodness and only need glasses every 2 years. I just save the money for those things. Many times if you self pay and ask, the provider will offer a discount. I would be careful about changing insurance companies right now. Have you tried getting a quote from the Affordable Health Care exchange for your state? Might help you make the decision.Thanks for sharing your personal experience. Some are seeing loss of retiree insurance like you. Private pay is the only kind of patients some doctor may see in the future. It will all shake out in a few years hopefully.

health insurance | Good Sam Community

14 Replies

sdianel_-acct_c
Explorer
Oct 08, 2013
My retiree insurance was cancelled when the Affordable Care Act was signed into law. I shopped around, did the math and found that it would be cheaper to self pay for dental and optical than to purchase insurance. I only get dental cleanings and no major work thank goodness and only need glasses every 2 years. I just save the money for those things. Many times if you self pay and ask, the provider will offer a discount. I would be careful about changing insurance companies right now. Have you tried getting a quote from the Affordable Health Care exchange for your state? Might help you make the decision.
RV_CONUS
Explorer
Oct 08, 2013
Wish you didn't bring up getting old and side affects in the same paragraph.

Reminded me about getting old and side affects.

It's like a pressure headache, after awhile, you don't know you have it. Well, almost true, I'm reminded every morning when trying to get out of bed.

First thing I check is to make sure my name isn't in the Obituary Column. Then, the side affects don't seem as permanent as the alternative.

Safe Travels Old Guy from Oler Guy!
Gale_Hawkins
Explorer
Oct 08, 2013
We just need to get rich enough to go the private pay route. At 62 it is hard to greatly change retirement funds balance however in our case.

I think the unknowns grow each day.

Best of luck find the right options for your household.
RV_CONUS
Explorer
Oct 08, 2013
We use GEHA under FEHB, has eye exams and minimal dental.

We use Zenni Optical for our Glasses. Progressive Bifocals about $38 including shipping. Transition Progressive Bifocals about $109 including shipping.

Have purchased about 6 pairs over the last year. They are so reasonable, order backup, prescription sunglasses, etc. We have been 100% satisfied. Just got tired of paying $300++ for each pair of glasses.

Dental, we go to Acuna by Del Rio, Geha even reimbursed covered costs for our Mexican Dentist. She is great! and reasonable.

carried FEHB, BCBS for years, but coverage, deductibles etc., continued to erode. We liked BC, but GEHA has been a satisfactory replacement at less cost overall for us.

It may become a moot issue in the future, who knows!

Good Luck

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