Wednesday, August 28, 2013

OT: Great Health Insurance for Older or Younger People - 3 easy steps

We all know Obamacare's individual mandate will take effect within a year or two and all Americans will need to have insuraou learn nce or pay a penalty. We don't know what the exchanges will be like, how much they will cost, what they will cover.  My family and I (really just I - I got my family on this) have been receiving excellent health insurance, with no copay and a very small deductible, plus great prescription benefits for around $200 per month, regardless of pre-existing conditions.  The pool of insureds with these policies is generally young, keeping the premiums down.

Now, I am 60 years old and my husband is 62 years old.  We both have lived awhile so we necessarily have some pre-existing conditions.  We got this great insurance, and not through a big employer.  How did we do this?  Here's how:

1.  Apply online as a non-degree seeking undergraduate at the University of Missouri - Columbia, or the one in Kansas City.  In Columbia, they have internet courses which you can take up to 9 months to complete.

2.  It takes about a day to be approved.   Sign up online for a class.  This semester - Intro to Film.  (Last year I took "The History of Rock and Roll," and "How It Works" - an introductory physics class that was very interesting.  Enroll.

3.  After you are a student and before 9/15 or so for the fall semester, go to the aetna student health website and sign up!  In a day or two, you will get your cards.

The Benefits -----  You learn interesting new things through your older years, perhaps helping to stave off Alzheimer's disease, AND  YOU GET KICK-ASS health insurance!

This works!!!!!  Expand your mind while you protect your health.  My family does, and so should yours!


  1. Do you know if this applies to colleges in Kansas?
    I am taking courses at JCCC and am 61 years of age. I am paying out the ying-yang for health insurance right now.

    1. I don't know about JCCC. For KU, you can't just take an Internet course. UMKC doesn't charge out-of-state tuition and I know you can do it there. My insurance was through them all last year.

  2. Thanks for the info, Lynne. Another question: Is your health insurance coverage through a "group plan" for students at the college? Are the premiums lower because most of the people who are covered in the plan are young and healthy?

    1. Chris, it is a group plan - Aetna student health. I definitely believe the premiums are smaller because most of the people in the group are young.

  3. Thank you so much for the info, Lynne. I will certainly look into this. This could potentially save me $400+ per month.