Wednesday, April 14, 2010

AARP Bulletin answers health reform questions for pre-Medicare older workers and retirees

Susan Jaffe has a column in the AARP Bulletin, “Health Care Reform Explained: Your Questions Answered”, that provides some useful information for older workers, particularly those forced to retire early by downsizings and struggling with the health insurance issue (whether COBRA or retiree) until they are old enough for Medicare. The link is here.

It’s important to note that there is a temporarily funded federal program for those who have not been able to buy private health insurance for six months because of pre-existing conditions. However, older people can still be charged up to four times what younger people pay in this “high risk pool”, similar to that offered by many states. The mechanics of the federal program resemble that of many states having high risk pools already in place. The temporary federal program ends in 2014, when insurance companies must sell the same policies to anyone regardless of pre-existing conditions.

The article also addresses the shortage of primary care doctors.

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