Good evening!

      My whole life I have been blessed with tricare insurance because of my dad being in the military and then my husband as well, so I have never had to worry about copays or anything like that. Unfortunately, I am about to be divorced and now I need reccomendations on good insurances for people with pre existing conditions and pacemakers like us. If anyone has any suggestions and can also tell me how much you pay in copays for pacemaker replacements, I could really use the knowledge.



by AgentX86 - 2023-02-10 21:36:25

At 28 it could be tough to get the sort on insurance you're used to at all.  The best option, of course, is to get it through an employer but barring that, you're probably stuck with Obamacare, unfortunately. Perhaps you can get some relief from your divorce settlement.  Stretching things, it might be  considered part of the communal property.


by Sydney.A95 - 2023-02-10 21:45:08

I'll have to look into that. Hopefully Obamacare of all things isn't the only thing out there


by Tracey_E - 2023-02-11 10:41:42

There are insurance brokers who deal with different companies and can help you navigate it. They aren't allowed to look at pre-existing conditions anymore, so that's the good news. The problem is it's expensive and often copays are high, or to get the monthly payment down we take a high deductible. 

When you are shopping, be sure to make sure your doctors are on there. I had a choice of 3 plans through my husband's employer, I picked the one that had my GP and EP in network. The rest is negotiable, but I won't change those two. 

Most insurance will have a copay for office visits, mine is 90. It will pay a percentage of costs until I reach the deductible, after that it pays 100%. So years I get a new pacer, I know I'll be paying the full deductible ($4-6k) that year. Ideally do it  early in the year so the rest of the year everything is covered. 

Try to negotiate staying on his insurance as long as possible as part of the divorce settlement, though being the military that may not be something he has any control over. 

Now may be a good time to consider ...

by LondonAndy - 2023-02-11 18:30:24

... Moving to Europe.

You know you're wired when...

You fondly named your implanted buddy.

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