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I am born in 1979 or earlier. Do I need to back pay premiums from age 30 to join CareShield Life?
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ElderShield premiums that ElderShield insureds have paid will be taken into account when computing their CareShield Life premiums. Insureds do not need to back pay for CareShield Life coverage starting from 30; they will only be paying for coverage going forward.
However, CareShield Life's annual premiums for older insureds will still be higher than those of younger insureds, as they have less years to spread their premium payment over.
This information provided here is sourced from the MOH website.
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