(This article is excerpted from Retirement Game-Changers: Strategies for a Healthy, Financially Secure and Fulfilling Long Life by Steve Vernon, FSA.)
If you want to retire before age 65, which is the eligibility age for Medicare, then finding affordable medical and dental insurance must be a critical part of your retirement planning. By getting the right insurance, you help protect yourself against the threat of high, uninsured costs during the gap years between when you retire and age 65.
This can be a tough challenge — you may need to be creative and persistent to obtain the medical coverage you need. However, it’s a step you ignore at your own peril.
4 Ways to Get Health Coverage Just Before 65
Below are four conventional possibilities for obtaining medical, dental and vision coverage between the time you retire and age 65. In each case, you’ll want to determine the amount of your monthly premium in order to factor it into your budget for living expenses. If you have a specific health condition, you may also want to see if your preferred healthcare specialists are in the insurer’s network.
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