| Page 1 of 2 | 1 | 2 |
|
|
Tear Jerker
In article , "Mr.
Luddite" says... This is great. If you watch, make sure you pay attention to the captions: http://gawker.com/this-three-minute-...ood-1309506149 Well done ad. Hits some universal themes. Kindness, selflessness, memories. Here's another way that works. http://www.youtube.com/watch?v=U_HjTNh65iE The Thai ad must have been made before 2001. Since 2001 Thailand has had universal health care covering virtually everybody. So that big bill for the patient is impossible. Maybe it was made to depict America pre-ACA. |
Tear Jerker
"Boating All Out" wrote in message ... In article , "Mr. Luddite" says... This is great. If you watch, make sure you pay attention to the captions: http://gawker.com/this-three-minute-...ood-1309506149 Well done ad. Hits some universal themes. Kindness, selflessness, memories. Here's another way that works. http://www.youtube.com/watch?v=U_HjTNh65iE ------------------------------ That's funny right there! |
Tear Jerker
|
Tear Jerker
On 9/16/13 4:51 PM, wrote:
On Mon, 16 Sep 2013 16:37:20 -0400, "F.O.A.D." wrote: 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. Are you on your wife's policy? Nope. |
Tear Jerker
On 9/16/13 4:43 PM, wrote:
On Mon, 16 Sep 2013 16:25:45 -0400, "F.O.A.D." wrote: On 9/16/13 3:54 PM, wrote: I am going to be on the bleeding edge of this because IBM chucked us into exchanges. Nobody at IBM to negotiate your retirement bennies when you left, eh? Well, there's no strength in individualism. :) I suppose you should talk to my FIL. The UAW threw him from the train a while ago. Yeah, it's really too bad the union movement has been shrinking and that many workers no longer have the sort of representation they need to protect themselves from large corporate employers. Workers are out there on their own, no more than serfs, and without a safety net. But, hell, this is a corporation uber alles world, and nothing matters more than huge corporate profits. |
Tear Jerker
|
Tear Jerker
|
Tear Jerker
|
Tear Jerker
"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. |
Tear Jerker
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. |
Tear Jerker
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. |
Tear Jerker
On 9/16/2013 5:21 PM, F.O.A.D. wrote:
On 9/16/13 4:51 PM, wrote: On Mon, 16 Sep 2013 16:37:20 -0400, "F.O.A.D." wrote: 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. Are you on your wife's policy? Nope. They live separate lives. |
Tear Jerker
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. :) |
Tear Jerker
|
Tear Jerker
|
Tear Jerker
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. |
Tear Jerker
"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. |
Tear Jerker
"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. |
Tear Jerker
On Monday, September 16, 2013 7:02:32 PM UTC-4, Boating All Out wrote:
I expect the ACA will get Mass back on track. That's the funniest thing I've read in a long time. Thanks for the laugh! |
Tear Jerker
On 9/17/2013 1:20 AM, Mr. Luddite wrote:
"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. Part A is free and part B is a little over $100 IIRC. |
Tear Jerker
"Hank©" wrote in message eb.com... On 9/17/2013 1:20 AM, Mr. Luddite wrote: "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. Part A is free and part B is a little over $100 IIRC. --------------------------------- If that's the way it works, can I skip 64 and go directly to 65? |
Tear Jerker
On 9/17/2013 8:25 AM, Mr. Luddite wrote:
"Hank©" wrote in message eb.com... On 9/17/2013 1:20 AM, Mr. Luddite wrote: "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. Part A is free and part B is a little over $100 IIRC. --------------------------------- If that's the way it works, can I skip 64 and go directly to 65? I wouldn't if I were you. 64 might be a good year. |
Tear Jerker
On Tuesday, 17 September 2013 09:25:45 UTC-3, Mr. Luddite wrote:
"Hank�" wrote in message eb.com... On 9/17/2013 1:20 AM, Mr. Luddite wrote: "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. Part A is free and part B is a little over $100 IIRC. --------------------------------- If that's the way it works, can I skip 64 and go directly to 65? We'll get to 65 (senior citizen status) soon enough. I plan on enjoying 64 as long as I can...maybe even extend it a little beyond next August. ;-) |
Tear Jerker
"Mr. Luddite" nowayalso.jose.com wrote:
"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. Part a is not free. My employment sent lots of money to Medicare, and I still pay the $120+ a month each for wife and me. Comes directly out of the SS payment. |
Tear Jerker
On 9/17/2013 1:31 PM, Califbill wrote:
"Mr. Luddite" nowayalso.jose.com wrote: "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. Part a is not free. My employment sent lots of money to Medicare, and I still pay the $120+ a month each for wife and me. Comes directly out of the SS payment. Are you sure that's not part B? |
Tear Jerker
In article , "Mr.
Luddite" says... 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. I don't know where you and Califbill are getting your figures. For me Medicare A is "free." I paid those taxes. Anybody who takes themselves out of Medicare and SS taxing to avoid paying faces the music at retirement. Some low income folks who were never on a payroll get picked up by gov welfare. I pay 105 bucks a month for Medicare B - comes out of my SS check. If you have +170k annual income joint return, or +$85 single, it goes up, but it's never a bad deal. The low incomes are hurt more than anybody by the premium. If your only income is $10k a year SS, which is common enough, the part B premium is taking 10% of your income. But that $105 a month is my ONLY health care insurance premium. I have an AARP MedicareComplete Plus (HMO-POS) supplemental. Cost? Zero. Medicare pays United Health Care the part B money taken from my SS check. No idea how that works as a business plan for them. Don't think it's widely used. But that plan also adds the Medicare part D drug benefit. Which is how I found out about this "no cost" supplemental. Third degreeing the guy on the phone about drug plans. I was shocked when he told me about this. You want to check into all of that. Most people don't know that even exists. Downsides? $3800 max out of pocket per year. Pay first 20% of out-patient services. A colonoscopy next year could cost me a grand. If so, I'll pay up. Hospitalization is $250 a day for the first 7 days. Zero after that. $5 doc co-pay. $40 for a specialist. The only drug I use has a $6 co-pay. Tier 2 drug. Tier 3 goes to $60 co-pay. Some people would reject that. They'll reject paying $40 to see a specialist. Reject paying 20% of out-patient services. They'll reject the $3800 out-of-pocket max. They'll reject the provider list. In my case I kept the the same local hospital group, but had to change doctors. Some will reject that. You have to look at your own medical needs and calculate what works best. Pretty sure the "no fees" "gold" supplemental would have cost me $170- 180 a month. Or $4080-4320 over the past 2 years. Maybe more. I've only paid about 50 bucks in doc and medicine co-pays. Of course that could change if I start getting sick and hospitalized. Still won't cost more than than $3800 yearly max out-of-pocket. Kind of like a "free" "catastrophic" policy, but also covers the common stuff like exams, tests, and common medicines at no cost except small co-pays. When I get decrepit and that max out-of-pocket is getting hit too much, I'll look into changing it. Or just slowly fade away. |
Tear Jerker
|
Tear Jerker
"Boating All Out" wrote in message ... In article , "Mr. Luddite" says... 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. I don't know where you and Califbill are getting your figures. For me Medicare A is "free." I paid those taxes. Anybody who takes themselves out of Medicare and SS taxing to avoid paying faces the music at retirement. Some low income folks who were never on a payroll get picked up by gov welfare. I pay 105 bucks a month for Medicare B - comes out of my SS check. If you have +170k annual income joint return, or +$85 single, it goes up, but it's never a bad deal. The low incomes are hurt more than anybody by the premium. If your only income is $10k a year SS, which is common enough, the part B premium is taking 10% of your income. But that $105 a month is my ONLY health care insurance premium. I have an AARP MedicareComplete Plus (HMO-POS) supplemental. Cost? Zero. Medicare pays United Health Care the part B money taken from my SS check. No idea how that works as a business plan for them. Don't think it's widely used. But that plan also adds the Medicare part D drug benefit. Which is how I found out about this "no cost" supplemental. Third degreeing the guy on the phone about drug plans. I was shocked when he told me about this. You want to check into all of that. Most people don't know that even exists. Downsides? $3800 max out of pocket per year. Pay first 20% of out-patient services. A colonoscopy next year could cost me a grand. If so, I'll pay up. Hospitalization is $250 a day for the first 7 days. Zero after that. $5 doc co-pay. $40 for a specialist. The only drug I use has a $6 co-pay. Tier 2 drug. Tier 3 goes to $60 co-pay. Some people would reject that. They'll reject paying $40 to see a specialist. Reject paying 20% of out-patient services. They'll reject the $3800 out-of-pocket max. They'll reject the provider list. In my case I kept the the same local hospital group, but had to change doctors. Some will reject that. You have to look at your own medical needs and calculate what works best. Pretty sure the "no fees" "gold" supplemental would have cost me $170- 180 a month. Or $4080-4320 over the past 2 years. Maybe more. I've only paid about 50 bucks in doc and medicine co-pays. Of course that could change if I start getting sick and hospitalized. Still won't cost more than than $3800 yearly max out-of-pocket. Kind of like a "free" "catastrophic" policy, but also covers the common stuff like exams, tests, and common medicines at no cost except small co-pays. When I get decrepit and that max out-of-pocket is getting hit too much, I'll look into changing it. Or just slowly fade away. --------------------- Great post and info. I am going to save it. Thanks. |
Tear Jerker
|
Tear Jerker
In article , says...
On Mon, 16 Sep 2013 17:47:55 -0400, "Mr. Luddite" nowayalso.jose.com wrote: "F.O.A.D." wrote in message om... 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 Harry is 13. |
Tear Jerker
In article ,
says... On Tue, 17 Sep 2013 16:00:16 -0500, Boating All Out wrote: In article , says... My plan is also a UHC HMO, I pay something every month and IBM pays the rest. It is probably what you call "gold". I still have a deductible and a $5 copay for the doc (including specialists.) To me a "gold" is - I think - an "F" plan. But maybe they use the term "plantinum" and I'm misusing "gold." I gave an example of what my elderly folks have. Pretty sure it costs them about $360-380 a month total for both of them. They pay NOTHING beyond that. According to them. But the premium is a big chunk of their income. If they had to shell out 2 g's like you did, they would blow their gaskets. These things are state by state. It sounds like $2k would not get close to your deductible either. I am hoping I actually get better choices at the exchange but I am not confident. Up to you. My folks are Floridians. And of course $2k wouldn't hit my deductible, since it's $3.8k. But I know that - and I don't pay any premiums. I can write a $2k check any time. Or a $3.8k check. Otherwise I wouldn't go with the no-premium supplemental. My folks are paying about $4k in premiums to avoid my deductible and higher co-pays. That works for them, given their use of health care. Mine works for me - for now. Besides that, they can't write a $2k check, but can manage monthly premiums. Lots of people are like that. Living check-to-check. I'm puzzled. You're sounding like you want a free ride. Like you had with IBM. I've had free rides too. But this is now. So fuggedaboutit. You and I are just 2 of many millions who have to deal with Medicare supplementals. We're not special. Best we can do is know our options, and then select what suits us best. No sense crying about it. You are talking about the same Medicare supplementals that those millions of others have to deal with, aren't you? Not sure, because you mention the "exchange." There is no ACA exchange or marketplace for Medicare supplementals. It's the same Medicare supplemental market it has been in the recent past. The ACA hasn't changed that. The ACA only strengthened Medicare. Here. http://www.medicare.gov/about-us/aff...fordable-care- act.html So I don't even know if we're on the same page. You're jumping around. Maybe dancing. To me, it's jumping. I'd appreciate it if you stayed on point. Not that I expect it. |
Tear Jerker
In article ,
says... There is some kind of exchange because I have an appointment to talk to them next month. https://www.extendhealth.com/ That looks like a real good site. Much better than the crap I had to deal with on the AARP site. Won't hurt to talk to somebody, and hope you get somebody who really knows the insurance ins and outs. The AARP site seemed to hide the zero premium plans. Here's what I found the most important things to do, and can't be avoided. Since you have an excellent site for plan selection, they'll take the most time to do. I'll leave off selecting price and coverage, except you need a plan that covers drugs. Some don't. Then you would need a separate drug plan. 1. Read the provider list and make sure it suits you in terms of locations and quality. I would have rejected any plan that didn't have providers associated with the hospital group I wanted. It's the same hospital group I used for years my employer provided insurance. Excellent reputation, and the doctors communicated electronically, and kept records electronically. Laptops. Unfortunately, that doesn't always work well. My new doc, though he's associated with the same hospital group, doesn't carry a laptop. Paper files. Go figure. He seems okay though. I'll have to remember to ask him what's up with that next time I see him. I should also ask if he has a cell phone. Maybe no-premium plans don't allow docs the luxury of laptops and cell phones. 2. Drug list. If you take any drugs, make sure you can find them on the list, and costs are acceptable. Those are the main things that will take some time to do. Of course if you insist on keeping your same doc(s) that will be your guide. Some plans are accepted by virtually all of them. Pretty sure type F plans will pay them more than Medicare rates. But those are more costly plans. |
Tear Jerker
"Mr. Luddite" nowayalso.jose.com wrote:
"Boating All Out" wrote in message ... In article , "Mr. Luddite" says... 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. I don't know where you and Califbill are getting your figures. For me Medicare A is "free." I paid those taxes. Anybody who takes themselves out of Medicare and SS taxing to avoid paying faces the music at retirement. Some low income folks who were never on a payroll get picked up by gov welfare. I pay 105 bucks a month for Medicare B - comes out of my SS check. If you have +170k annual income joint return, or +$85 single, it goes up, but it's never a bad deal. The low incomes are hurt more than anybody by the premium. If your only income is $10k a year SS, which is common enough, the part B premium is taking 10% of your income. But that $105 a month is my ONLY health care insurance premium. I have an AARP MedicareComplete Plus (HMO-POS) supplemental. Cost? Zero. Medicare pays United Health Care the part B money taken from my SS check. No idea how that works as a business plan for them. Don't think it's widely used. But that plan also adds the Medicare part D drug benefit. Which is how I found out about this "no cost" supplemental. Third degreeing the guy on the phone about drug plans. I was shocked when he told me about this. You want to check into all of that. Most people don't know that even exists. Downsides? $3800 max out of pocket per year. Pay first 20% of out-patient services. A colonoscopy next year could cost me a grand. If so, I'll pay up. Hospitalization is $250 a day for the first 7 days. Zero after that. $5 doc co-pay. $40 for a specialist. The only drug I use has a $6 co-pay. Tier 2 drug. Tier 3 goes to $60 co-pay. Some people would reject that. They'll reject paying $40 to see a specialist. Reject paying 20% of out-patient services. They'll reject the $3800 out-of-pocket max. They'll reject the provider list. In my case I kept the the same local hospital group, but had to change doctors. Some will reject that. You have to look at your own medical needs and calculate what works best. Pretty sure the "no fees" "gold" supplemental would have cost me $170- 180 a month. Or $4080-4320 over the past 2 years. Maybe more. I've only paid about 50 bucks in doc and medicine co-pays. Of course that could change if I start getting sick and hospitalized. Still won't cost more than than $3800 yearly max out-of-pocket. Kind of like a "free" "catastrophic" policy, but also covers the common stuff like exams, tests, and common medicines at no cost except small co-pays. When I get decrepit and that max out-of-pocket is getting hit too much, I'll look into changing it. Or just slowly fade away. --------------------- Great post and info. I am going to save it. Thanks. Part B depends on income. Due to a screw up somewhere in the IRS or SS they required me to pay a lot for 2 years, should have been one. We still pay $135 each for Medicare part B now. |
Tear Jerker
wrote:
On Tue, 17 Sep 2013 14:31:45 -0400, Hank© wrote: On 9/17/2013 1:31 PM, Califbill wrote: Part a is not free. My employment sent lots of money to Medicare, and I still pay the $120+ a month each for wife and me. Comes directly out of the SS payment. Are you sure that's not part B? It is part B Plus another $70 for wife and I part D drug plan. |
Tear Jerker
Hank© wrote:
On 9/17/2013 1:31 PM, Califbill wrote: "Mr. Luddite" nowayalso.jose.com wrote: "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. Part a is not free. My employment sent lots of money to Medicare, and I still pay the $120+ a month each for wife and me. Comes directly out of the SS payment. Are you sure that's not part B? Oops, me bad. |
Tear Jerker
In article om,
says... On 9/16/2013 5:21 PM, F.O.A.D. wrote: On 9/16/13 4:51 PM, wrote: On Mon, 16 Sep 2013 16:37:20 -0400, "F.O.A.D." wrote: 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. Are you on your wife's policy? Nope. They live separate lives. One above ground and the other below ground. |
Tear Jerker
In article , says...
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. Your union plan will soon be gone. |
Tear Jerker
In article , "Mr. Luddite" says...
"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. What does a retiree who is on social security do to live and eat when they have to pay $1100 per month for Medicare when they ony get $1000 per month from the SSA? |
| All times are GMT +1. The time now is 01:36 AM. |
|
Powered by vBulletin® Copyright ©2000 - 2025, Jelsoft Enterprises Ltd.
Copyright ©2004 - 2014 BoatBanter.com