Yes, DW is covering 3 of us now that DD1 aged out last March. I COULD get insurance through IBM, if I wanted to get out the extra large jar of Vaseline. Their rates are ridiculous. Before DW had coverage with the P.O., my IBM medical retirement cost was $29K a year (due to the need to cover DW's RA meds) for the 4 of us. The retiree medical account was funded by IBM when they changed the retirement plans some years ago and can ONLY be used to pay for premiums for IBM insurance. Fortunately DW got permanent status before that account ran out, it is pretty close to 0 now I believe. I don't know if DW can retire from the P.O. and still get health insurance through them. But then she's only been a full time employee with benefits for almost 5 years. I think she'll be Medicare eligible about the same time she is retirement eligible. DD2 will age out in May of 2021, I'll hit Medicare March that same year.
Isn't that the same as denying coverage due to a preexisting condition?
This is one of the reasons you are among my favorite folks on this forum.
