Time for work

EWS · Mar 12, 2022

I have a Ford 8N that has low oil pressure so I am going to check the main bearing clearance to see if it needs to be rebuilt. I need time to work and I am ready
to retire but not old enough for Medicare (63). Question I have is what do some of you do for health insurance if you are not Medicare age or disabled? Looking at
at all options.

Ray IN · Mar 12, 2022

I've been very happy with Christian Healthcare Ministries. I've been doing that for 5 years since I retired from teaching at 56. Their best package is only costing me $225 per month. Good program and it helps a lot of people. Based out of Ohio.

ss55 · Mar 12, 2022

If your wife is still working, could you be covered under her company's health insurance? Does your company offer health insurance for retirees (most do not). Are you a member of any groups that offer discounted health insurance to members?

Health insurance can be expensive, so definitely shop around. If you are still working and have fully paid medical insurance benefit, that benefit alone can be worth $10 per hour compared to buying insurance on the open market, more if more than one person is covered. Pencil out your options before making a commitment.

Moonlite37 · Mar 12, 2022

I shall ignore about the insurance, but shall post about out the low oil pressure. Do not check the bearings first, but check the gauge and if it is a side distributor, check the hexagon oil pump drive,It is a 1/4 inch hexagon shaft about 4 inches long. Sometimes the end gets rounded. The 8n does not require a lot of pressure. Removing the pan takes a bit of time and may not be needed.

RedGreenGuy · Mar 12, 2022

COBRA should be available for 18 months. Most usually not cheap. Used for wife when I retired. $950 a month.

Dave BN · Mar 12, 2022

I used cobra for 6 months until I turned 65. $425 a month. Between Medicare taking $170 a month from my SS amount and $225 for suplimental Blue Cross it wasn't much more for cobra.
FYI I turned 65 on December 1st. Since my birthday is the first day of the month I got Medicare a month early. That is, I got Medicare in November not December.
Dave

JDB · Mar 12, 2022

Medishare.

Not misspelled

Russ from MN · Mar 12, 2022

We retired at 58, bought BCBS for 7 years, it wasn't too bad because we were both healthy. Now we have it for a supplement, and it's working well. About the tractor, try a different gauge first.

Texasmark · Mar 12, 2022

Stay healthy and avoid the doctor's office.

Goose · Mar 12, 2022

I have Medicare and a Medicare supplement from Aetna. Plus the VA as a backup to the whole thing. All of my prescription drugs are free from the VA, plus eyeglasses. Also hearing aids if I ever need them.

My wife has Medicare and her own supplement policy with Aetna.

Money Pit · Mar 12, 2022

just retired in January 63 years and 11 months old. went with Cobra from the company. using the federal mileage reimbursement rate of 55 cents a mile and the miles i put on each day those savings by not driving are covering most of my expense. probaly even better now with the gas prices.

wore out · Mar 12, 2022

(quoted from post at 06:00:58 03/12/22) I have a Ford 8N that has low oil pressure so I am going to check the main bearing clearance to see if it needs to be rebuilt. I need time to work and I am ready
to retire but not old enough for Medicare (63). Question I have is what do some of you do for health insurance if you are not Medicare age or disabled? Looking at
at all options.

In addition to bearing wear 8N oil pumps are marginal, at best, and can themselves be the source of low oil pressure when worn.

The later serial numbers had a larger capacity pump (wider gears).

wore out · Mar 12, 2022

(quoted from post at 07:03:52 03/12/22) I shall ignore about the insurance, but shall post about out the low oil pressure. Do not check the bearings first, but check the gauge and if it is a side distributor, check the hexagon oil pump drive,It is a 1/4 inch hexagon shaft about 4 inches long. Sometimes the end gets rounded. The 8n does not require a lot of pressure. Removing the pan takes a bit of time and may not be needed.

Moon, 8N oil pumps are gear-driven from the crankshaft timing gear and don't use a hex shaft like the later series.

timcasbolt · Mar 12, 2022

(quoted from post at 12:00:58 03/12/22) I have a Ford 8N that has low oil pressure so I am going to check the main bearing clearance to see if it needs to be rebuilt. I need time to work and I am ready
to retire but not old enough for Medicare (63). Question I have is what do some of you do for health insurance if you are not Medicare age or disabled? Looking at
at all options.

heck to see if you can meet the income requirement for state subsidized health insurance under the Affordable Care Act. It can be a game changer if you're eligible.

Butch(OH) · Mar 12, 2022

Confused? What does driving mileage reimbursment have to do with COBRA for insurance?

Butch(OH) · Mar 12, 2022

Forget it, I get it now. You are saying the savings from not driving to work paid for yiur COBRA.

Butch(OH) · Mar 12, 2022

I retired at 62 with no company retirement, just SS. My wife works so I transferred to her health insurance. Unfortunately she lost her job a few months later. Not knowing what to do we applied at Healthcare. gov and were surprised that we qualified for $1500 in assistance. We chose a plan and used it for 9 months until she found other employment. It is easy to apply and check the numbers. However if you are eligible for COBRA they will probably make you use it.

DoubleO7 · Mar 12, 2022

I need time to work and I am ready to retire but not old enough for Medicare (63)

If you are retiring now, and depending on your income, check out healthcare.gov (Oba.... I mean the Affordable Healthcare Act).

Go here and plug in some rough info and it will tell you if you might qualify.

I am on a BCBS silver plan at $72/month for a better plan my employer offered for more $$.
Heathcare.gov

DoubleO7 · Mar 12, 2022

Butch,
Maybe different in Ohio but in Florida for me Cobra was offered but there was no requirement to take it vs HCA.
I don't recall if there was even a question about it being available to me in the HCA qualifying application.

Butch(OH) · Mar 12, 2022

Must vary state to state?. We had to get a
document from her former employer that she
was not eligible for company assisted
cobra before we could proceed. I remember
it distinctly as they wouldn't provide it
at first until the government stepped in
and told them to get on the ball or they
would be investigated.

DoubleO7 · Mar 12, 2022

Huh, I have been eligible for cobra twice in the past 15 years here in Florida.
No company assistance, just the opportunity to pay the ENTIRE premium for the insurance the employer provided while working for them.

sotxbill · Mar 12, 2022

aarp health care plans work well for me...

btw, 8n's dont run a whole lot of oil pressure like modern engines. So what do you see on yours??? 20 lbs running and 5 to 7 lbs at idle are not unusual. May be 27lbs when first starting cold.

tractornate · Mar 12, 2022

I can't help with the insurance question, but I will relate an oil pressure in a flathead story. I got my 1949 Ford F1 with the stock flathead 6 in 1987. It might have had 30 psi stone cold but within 10 minutes the gage registered essentially 0 psi - hard to tell if it had moved. I double checked it with a modern gage and sender - registered the same. Well, I wanted to drive it some before tearing all apart, so I did. That was 35 years ago. I've never done a thing to it and it still runs exactly the same today as the day I got it!

moresmoke · Mar 13, 2022

The key here is assisted cobra. Typically if you leave your job, the cobra offering has no assistance. At times if you leave your job to benefit the company, they will offer some sort of assistance with the cobra cost. Think early forced retirement or buyout program.

The last time I used cobra coverage, it was $3000 per mo for a family plan.

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