Growing old in the US of A
I'm wondering what some of you long timers living in the US think about growing old here. Reason I ask is I see a common theme in some threads where people seem to think that growing old here in the US would be a bad thing. I broached this subject with my hubbie last night, who is a USC, he seemed to think opposite.
So, why exactly do some residents of this board think that growing old here is going to be awful? Not a critisism, I'm just curious. |
Re: Growing old in the US of A
Originally Posted by Leeds_Lass
(Post 4518466)
I'm wondering what some of you long timers living in the US think about growing old here. Reason I ask is I see a common theme in some threads where people seem to think that growing old here in the US would be a bad thing. I broached this subject with my hubbie last night, who is a USC, he seemed to think opposite.
So, why exactly do some residents of this board think that growing old here is going to be awful? Not a critisism, I'm just curious. |
Re: Growing old in the US of A
Originally Posted by Elvira
(Post 4518469)
Healthcare, for a start...
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Re: Growing old in the US of A
But what exactly about healthcare? Lack of? We talked and his argument was that there is medicare (medicaid?) and good health insurance plans for seniors, however my argument was that's all good but what happens if you get really ill and need $2k a days's worth of pills and medicines. Will medicare/insurance cover it? At least in the UK we have the NHS, it may have it's waiting lists but at least the care is there.
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Re: Growing old in the US of A
Originally Posted by Elvira
(Post 4518469)
Healthcare, for a start...
Where we are, we don't exactly relish the idea of shovelling snow in Winter, either. And I never want to end up in an assisted living place. We also want a climate where it's more amenable to being more active outside. But that's more to do with our location in the US. Also don't like being in a country that bullies other countries and threatens them. So we're outta here! :D :thumbup: |
Re: Growing old in the US of A
Originally Posted by Leeds_Lass
(Post 4518491)
But what exactly about healthcare? Lack of? We talked and his argument was that there is medicare (medicaid?) and good health insurance plans for seniors, however my argument was that's all good but what happens if you get really ill and need $2k a days's worth of pills and medicines. Will medicare/insurance cover it? At least in the UK we have the NHS, it may have it's waiting lists but at least the care is there.
We had a guy come to us last week - retired - looking for PT work to help pay for his wife's arthritis drugs. She's crippled with the pain but can't get all that she needs. I agree with your OH that healthcare here can be great & very advanced - IF you can afford it & have a good policy in place. I agree with you though - the NHS could be crap & although we paid through taxes, if you were sick & out of work/ retired, you weren't penalized for it. |
Re: Growing old in the US of A
US social security cheques are generally bigger than UK State pension. Goes by how much you have paid in the US. If you pay in for a good number of years, you'll likely get double what you would get in UK. Out of that you can pay for MediGap, which pays the difference between what Medicare pays, and what the bill is.
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Re: Growing old in the US of A
Originally Posted by danfan
(Post 4518522)
I agree with your OH that healthcare here can be great & very advanced - IF you can afford it & have a good policy in place. I agree with you though - the NHS could be crap & although we paid through taxes, if you were sick & out of work/ retired, you weren't penalized for it. I also plan to leave the US in the next few years and definitely before I'm an old lady....if my son stays in the US then we would come over for visits and get travel insurance but intend to keep our main residence in the UK, which I still consider as 'home'. |
Re: Growing old in the US of A
My brother was here last week, traveled all over the state and came back to tell me that he's not seen poverty on this level in any European country he has traveled to (which is nearly all of them in W.Europe as well as some of the former satelittes).
Come down to Florida and see what old age in the US is all about. 75 and 80 year olds working bagging groceries because they can't afford their Medicare prescriptions. Imagine being 72 and you're struck down by a major illness. You'd better be a multimillionaire if you want to have the sort of non-worry free life that European retirees have. As he told me. In Europe, old people travel, they don't sit working till they drop. |
Re: Growing old in the US of A
Originally Posted by Mallory
(Post 4518582)
US social security cheques are generally bigger than UK State pension. Goes by how much you have paid in the US. If you pay in for a good number of years, you'll likely get double what you would get in UK. Out of that you can pay for MediGap, which pays the difference between what Medicare pays, and what the bill is.
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Re: Growing old in the US of A
See, I'm worried about getting old here because I hear about how bad it is to be an older person. OH thinks as long as you make the right planning, i.e. good 401k/retirement (which we both have) and good health plan, you will be fine. I think I have a chance at a better qualify of life overall here (with regards to retirement/current healthcare/income etc.) but all the tales about lack of healthcare when retired have me worried about my choice. Sure I might be having a good life now but what happens when I'm old, grey and hobbling on a cane?
It can't be all that bad, or all the old people clogging the roads up down here with their oversized cadillacs would have buggered off, right? :p |
Re: Growing old in the US of A
Originally Posted by TouristTrap
(Post 4518597)
My brother was here last week, traveled all over the state and came back to tell me that he's not seen poverty on this level in any European country he has traveled to (which is nearly all of them in W.Europe as well as some of the former satelittes).
Come down to Florida and see what old age in the US is all about. 75 and 80 year olds working bagging groceries because they can't afford their Medicare prescriptions. Imagine being 72 and you're struck down by a major illness. You'd better be a multimillionaire if you want to have the sort of non-worry free life that European retirees have. As he told me. In Europe, old people travel, they don't sit working till they drop. Okay, so they may have to wait 6-12 months for a hip replacement, but how many hip replacements does the average person need in a lifetime? And most people who have worked all their lives could plan for having this done privately if they don't want to wait. |
Re: Growing old in the US of A
Come down to Florida and see what old age in the US is all about. 75 and 80 year olds working bagging groceries because they can't afford their Medicare prescriptions. I think that although the UK may have the benefit of the NHS with regards to healthcare, do pensioners still have it rough if you don't go the private pension route? It's a similar situation to in the US, if you don't make the right plans, you're going to struggle. |
Re: Growing old in the US of A
Originally Posted by Leeds_Lass
(Post 4518605)
It can't be all that bad, or all the old people clogging the roads up down here with their oversized cadillacs would have buggered off, right? :p
Spend an hour or so lurking around a pharmacy counter (especially in a poor neighbourhood), and chances are you will overhear and older person asking the pharmacist which of the drugs that have been prescribed they might be able to "do without"... |
Re: Growing old in the US of A
Yes, you do see a load of pensioners driving down in their massive RV's, etc. But, all it takes is one big illness and they can kiss goodbye to that financial freedom.
But, you also see dozens of magazine articles of them moving to Costa Rica/Panama, etc..by their thousands because they can't afford healthcare here. And, it is getting worse, not better. |
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