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On 9/16/13 5:47 PM, Mr. Luddite wrote:
"F.O.A.D." wrote in message m... On 9/16/13 4:31 PM, Boating All Out wrote: In article , says... I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Florida isn't exactly good place to be with this. Not sure of all the details, but I've seen "things" on the internet. Your governor putting up roadblocks to exchange enrollment doesn't help. A Richard suggested, this isn't set up well for higher income folks. But that's really only if they choose the type of "golden" plans which do what you don't like - remove out-of-pocket costs. I expect the premiums on those type plans will subsidize "lesser" plans. Many of the issues people whine about should and could be addressed if the degenerate Congress wasn't...degenerate. Good luck to you. You've got an absolutely great head start - Medicare. So you're only talking about a supplemental. You can commiserate with Mr. Krause about the big evil corporation stripping your company benefits. Awwwww. My health plan benefits aren't changing, nor is my premium going up, though I do plan to switch to Medicare and a Supplemental at my next birthday. It's not easy to figure out which Supplementals provide the widest and deepest coverage. My monthly health care premiums will be going...down. --------------------------- Don't bet on that. I'll bet you will find that Medicare with a decent supplemental plan will be close to whatever you are paying now. I've been talking to those slightly ahead of me in years (I turn 65 and am eligible for Medicare in another year). All have told me that their monthly premium cost didn't change much. Hmmm. Medicare B with a Humana supplemental will run me about $200 a month. Right now I'm paying close to $900 a month for my union plan. My union plan requires me to pay a $10 copay for doctor's office visits, and $5 for generic prescriptions, and discounts non-generics 80%. I had a cataract operation two months ago, and my out of pocket cost was under $100. I'll have to spend some real time investigating all this. |
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On 9/16/13 6:51 PM, F.O.A.D. wrote:
On 9/16/13 5:47 PM, Mr. Luddite wrote: "F.O.A.D." wrote in message m... On 9/16/13 4:31 PM, Boating All Out wrote: In article , says... I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Florida isn't exactly good place to be with this. Not sure of all the details, but I've seen "things" on the internet. Your governor putting up roadblocks to exchange enrollment doesn't help. A Richard suggested, this isn't set up well for higher income folks. But that's really only if they choose the type of "golden" plans which do what you don't like - remove out-of-pocket costs. I expect the premiums on those type plans will subsidize "lesser" plans. Many of the issues people whine about should and could be addressed if the degenerate Congress wasn't...degenerate. Good luck to you. You've got an absolutely great head start - Medicare. So you're only talking about a supplemental. You can commiserate with Mr. Krause about the big evil corporation stripping your company benefits. Awwwww. My health plan benefits aren't changing, nor is my premium going up, though I do plan to switch to Medicare and a Supplemental at my next birthday. It's not easy to figure out which Supplementals provide the widest and deepest coverage. My monthly health care premiums will be going...down. --------------------------- Don't bet on that. I'll bet you will find that Medicare with a decent supplemental plan will be close to whatever you are paying now. I've been talking to those slightly ahead of me in years (I turn 65 and am eligible for Medicare in another year). All have told me that their monthly premium cost didn't change much. Hmmm. Medicare B with a Humana supplemental will run me about $200 a month. Right now I'm paying close to $900 a month for my union plan. My union plan requires me to pay a $10 copay for doctor's office visits, and $5 for generic prescriptions, and discounts non-generics 80%. I had a cataract operation two months ago, and my out of pocket cost was under $100. I'll have to spend some real time investigating all this. I'm sure there is more to this, but I still think my monthly outlay will go down. |
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On 9/16/13 7:17 PM, wrote:
On Mon, 16 Sep 2013 17:47:55 -0400, "Mr. Luddite" nowayalso.jose.com wrote: "F.O.A.D." wrote in message m... On 9/16/13 4:31 PM, Boating All Out wrote: In article , says... I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Florida isn't exactly good place to be with this. Not sure of all the details, but I've seen "things" on the internet. Your governor putting up roadblocks to exchange enrollment doesn't help. A Richard suggested, this isn't set up well for higher income folks. But that's really only if they choose the type of "golden" plans which do what you don't like - remove out-of-pocket costs. I expect the premiums on those type plans will subsidize "lesser" plans. Many of the issues people whine about should and could be addressed if the degenerate Congress wasn't...degenerate. Good luck to you. You've got an absolutely great head start - Medicare. So you're only talking about a supplemental. You can commiserate with Mr. Krause about the big evil corporation stripping your company benefits. Awwwww. My health plan benefits aren't changing, nor is my premium going up, though I do plan to switch to Medicare and a Supplemental at my next birthday. It's not easy to figure out which Supplementals provide the widest and deepest coverage. My monthly health care premiums will be going...down. --------------------------- Don't bet on that. I'll bet you will find that Medicare with a decent supplemental plan will be close to whatever you are paying now. I've been talking to those slightly ahead of me in years (I turn 65 and am eligible for Medicare in another year). All have told me that their monthly premium cost didn't change much. I thought Harry was 70 I'm on the event horizon of 70, about a half year away. :) |
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Boating All Out wrote:
In article , says... If you think more than about 10-15% the families in the US has couple grand laying around they don't know what to do with, you are not paying attention. Hey, you paid a couple grand in medical bills. It's not a big deal. Are you saying you didn't have anything else to do with the the $2k? Didn't think so. Hospitals are billing plenty of people that much. And they pay up. That's life. Hell, they pay that more than that yearly for their cable company package - with HBO, Showtime, and a few other bells and whistles. Nobody has to pull out an antiquated checkbook to pay a hospital. They can hand over a credit card or arrange payments. Median household income in the U.S. is about $52k $2k is less than 4% of that. So I'm not getting your point here, or your numbers. Average savings of a 50 year old is $44k. You think they are going to be able to pay those big hospital bills. |
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"F.O.A.D." wrote:
On 9/16/13 5:47 PM, Mr. Luddite wrote: "F.O.A.D." wrote in message m... On 9/16/13 4:31 PM, Boating All Out wrote: In article , says... I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Florida isn't exactly good place to be with this. Not sure of all the details, but I've seen "things" on the internet. Your governor putting up roadblocks to exchange enrollment doesn't help. A Richard suggested, this isn't set up well for higher income folks. But that's really only if they choose the type of "golden" plans which do what you don't like - remove out-of-pocket costs. I expect the premiums on those type plans will subsidize "lesser" plans. Many of the issues people whine about should and could be addressed if the degenerate Congress wasn't...degenerate. Good luck to you. You've got an absolutely great head start - Medicare. So you're only talking about a supplemental. You can commiserate with Mr. Krause about the big evil corporation stripping your company benefits. Awwwww. My health plan benefits aren't changing, nor is my premium going up, though I do plan to switch to Medicare and a Supplemental at my next birthday. It's not easy to figure out which Supplementals provide the widest and deepest coverage. My monthly health care premiums will be going...down. --------------------------- Don't bet on that. I'll bet you will find that Medicare with a decent supplemental plan will be close to whatever you are paying now. I've been talking to those slightly ahead of me in years (I turn 65 and am eligible for Medicare in another year). All have told me that their monthly premium cost didn't change much. Hmmm. Medicare B with a Humana supplemental will run me about $200 a month. Right now I'm paying close to $900 a month for my union plan. My union plan requires me to pay a $10 copay for doctor's office visits, and $5 for generic prescriptions, and discounts non-generics 80%. I had a cataract operation two months ago, and my out of pocket cost was under $100. I'll have to spend some real time investigating all this. The supplement will cost you $200 a month. There is still the Medicare payment that comes out of your SS check. I think that is about $135 a month also. $900 a month for yourself is not a very good price for a giant group of union people. |
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"Mr. Luddite" nowayalso.jose.com wrote:
"F.O.A.D." wrote in message m... On 9/16/13 4:31 PM, Boating All Out wrote: In article , says... I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Florida isn't exactly good place to be with this. Not sure of all the details, but I've seen "things" on the internet. Your governor putting up roadblocks to exchange enrollment doesn't help. A Richard suggested, this isn't set up well for higher income folks. But that's really only if they choose the type of "golden" plans which do what you don't like - remove out-of-pocket costs. I expect the premiums on those type plans will subsidize "lesser" plans. Many of the issues people whine about should and could be addressed if the degenerate Congress wasn't...degenerate. Good luck to you. You've got an absolutely great head start - Medicare. So you're only talking about a supplemental. You can commiserate with Mr. Krause about the big evil corporation stripping your company benefits. Awwwww. My health plan benefits aren't changing, nor is my premium going up, though I do plan to switch to Medicare and a Supplemental at my next birthday. It's not easy to figure out which Supplementals provide the widest and deepest coverage. My monthly health care premiums will be going...down. --------------------------- Don't bet on that. I'll bet you will find that Medicare with a decent supplemental plan will be close to whatever you are paying now. I've been talking to those slightly ahead of me in years (I turn 65 and am eligible for Medicare in another year). All have told me that their monthly premium cost didn't change much. Mine went down a lot. I had a Blue Cross, $2k deductible plan and was $1200/ month 5 years ago for wife and I. Medicare dropped that to about $700 month then. Year I had a large tax bill, was back up to about $1100 month. Now is about $700 month for Medicare and ARrP United healthcare supplement. |
Tear Jerker
"F.O.A.D." wrote in message m... On 9/16/13 6:51 PM, F.O.A.D. wrote: On 9/16/13 5:47 PM, Mr. Luddite wrote: "F.O.A.D." wrote in message m... On 9/16/13 4:31 PM, Boating All Out wrote: In article , says... I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Florida isn't exactly good place to be with this. Not sure of all the details, but I've seen "things" on the internet. Your governor putting up roadblocks to exchange enrollment doesn't help. A Richard suggested, this isn't set up well for higher income folks. But that's really only if they choose the type of "golden" plans which do what you don't like - remove out-of-pocket costs. I expect the premiums on those type plans will subsidize "lesser" plans. Many of the issues people whine about should and could be addressed if the degenerate Congress wasn't...degenerate. Good luck to you. You've got an absolutely great head start - Medicare. So you're only talking about a supplemental. You can commiserate with Mr. Krause about the big evil corporation stripping your company benefits. Awwwww. My health plan benefits aren't changing, nor is my premium going up, though I do plan to switch to Medicare and a Supplemental at my next birthday. It's not easy to figure out which Supplementals provide the widest and deepest coverage. My monthly health care premiums will be going...down. --------------------------- Don't bet on that. I'll bet you will find that Medicare with a decent supplemental plan will be close to whatever you are paying now. I've been talking to those slightly ahead of me in years (I turn 65 and am eligible for Medicare in another year). All have told me that their monthly premium cost didn't change much. Hmmm. Medicare B with a Humana supplemental will run me about $200 a month. Right now I'm paying close to $900 a month for my union plan. My union plan requires me to pay a $10 copay for doctor's office visits, and $5 for generic prescriptions, and discounts non-generics 80%. I had a cataract operation two months ago, and my out of pocket cost was under $100. I'll have to spend some real time investigating all this. I'm sure there is more to this, but I still think my monthly outlay will go down. ------------------------------ You may be right. I need to investigate this more as well. It just dawned on me that the last person I talked to who became eligible for Medicare last year *may* be paying for Medicare Part "A" for him and his wife. That would be roughly a $900 per month. Add a Part "B" supplement at $200 and he's up to close to what we are paying now for direct, private insurance. If your employment over the years contributed to Medicare, Part "A" is supposed to be free. His may not have. |
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