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Dec 30th, 2023
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 Re: The joys of health insurance ...
[Re: RATZ]
#13028239
01/13/19 08:20 PM
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Joined: May 2002
Posts: 5,733
JCG57
TFF Celebrity
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TFF Celebrity
Joined: May 2002
Posts: 5,733 |
And it gets worse. Medicare for me coming up in Feb. Of course with Medigap and Prescription D and paying for mandatory Part B, I'm looking at $650 month and the wife who is not medicare eligible close to $780 a month. Eventually a few years down the road, it should reduce some. you are doing something wrong then. My medicare is like $142/mo plus my advantage plan which is about $42/mo. I have no deductable, and Rx coverage. Agree that Bob's price sounds high, but he may be looking at supplemental plans instead of your advantage-type plan, and supplemental plans will have higher premiums but much lower deductibles and/or co-pays. I started looking last month and the cost seemed to be about $140 for Part B, $100 for a Part C supplemental (Plan G) and $15-$30 for Part D. don't kow how much lower you could get. I have zero deductible, and copays are like $10 for pcp and $25 for a specialist. Almost all of my rx's are under $12 I am referring to the medical services (Part B) co-pay, not prescription drugs.
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Re: The joys of health insurance ...
[Re: Uncle Zeek]
#13028245
01/13/19 08:24 PM
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Joined: Feb 2007
Posts: 28,573
Gusick
TFF Guru
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TFF Guru
Joined: Feb 2007
Posts: 28,573 |
Medicare sounds pretty good.
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Re: The joys of health insurance ...
[Re: JCG57]
#13028257
01/13/19 08:31 PM
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Joined: Jan 2006
Posts: 32,920
Scagnetti
TFF Guru
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TFF Guru
Joined: Jan 2006
Posts: 32,920 |
And it gets worse. Medicare for me coming up in Feb. Of course with Medigap and Prescription D and paying for mandatory Part B, I'm looking at $650 month and the wife who is not medicare eligible close to $780 a month. Eventually a few years down the road, it should reduce some. you are doing something wrong then. My medicare is like $142/mo plus my advantage plan which is about $42/mo. I have no deductable, and Rx coverage. Agree that Bob's price sounds high, but he may be looking at supplemental plans instead of your advantage-type plan, and supplemental plans will have higher premiums but much lower deductibles and/or co-pays. I started looking last month and the cost seemed to be about $140 for Part B, $100 for a Part C supplemental (Plan G) and $15-$30 for Part D. I thought $650 sounded high too and Im on a BCBS Medigap plan
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Re: The joys of health insurance ...
[Re: RATZ]
#13028306
01/13/19 09:40 PM
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Joined: May 2002
Posts: 82,700
Bob Davis
Bunkeroid Bob
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Bunkeroid Bob
Joined: May 2002
Posts: 82,700 |
And it gets worse. Medicare for me coming up in Feb. Of course with Medigap and Prescription D and paying for mandatory Part B, I'm looking at $650 month and the wife who is not medicare eligible close to $780 a month. Eventually a few years down the road, it should reduce some. you are doing something wrong then. My medicare is like $142/mo plus my advantage plan which is about $42/mo. I have no deductable, and Rx coverage. Yes, I did something wrong. I made some good money 2 years ago and have to pay for it a while. You're young to be on Medicare.
![[Linked Image]](https://texasfishingforum.com/forums/pics/userpics/2020/11/full-1606-72644-flagsmall.jpg) ![[Linked Image]](http://storage.proboards.com/301739/images/59Zi67J3Dhm1xCemT6hS.gif) Foxtrot Juliet Bravo
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Re: The joys of health insurance ...
[Re: Scagnetti]
#13028307
01/13/19 09:40 PM
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Joined: Mar 2017
Posts: 1,342
pchapin
Extreme Angler
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Extreme Angler
Joined: Mar 2017
Posts: 1,342 |
Whatever you do, dont do this... ![[Linked Image]](https://www.durham.va.gov/images/newlogobanner.jpg) I have a friend who is 53 and a veteran. Lives in Conroe. His medical care is free through the VA and just as good if not better than my Blue Cross PPO. He has Type I diabetes and has had a heart attack. Pays nothing for medicine or doctor visits.
“No reasonable person would conclude that the statements were truly statements of fact”
P01135809
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Re: The joys of health insurance ...
[Re: Scagnetti]
#13028310
01/13/19 09:42 PM
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Joined: May 2002
Posts: 82,700
Bob Davis
Bunkeroid Bob
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Bunkeroid Bob
Joined: May 2002
Posts: 82,700 |
And it gets worse. Medicare for me coming up in Feb. Of course with Medigap and Prescription D and paying for mandatory Part B, I'm looking at $650 month and the wife who is not medicare eligible close to $780 a month. Eventually a few years down the road, it should reduce some. you are doing something wrong then. My medicare is like $142/mo plus my advantage plan which is about $42/mo. I have no deductable, and Rx coverage. Agree that Bob's price sounds high, but he may be looking at supplemental plans instead of your advantage-type plan, and supplemental plans will have higher premiums but much lower deductibles and/or co-pays. I started looking last month and the cost seemed to be about $140 for Part B, $100 for a Part C supplemental (Plan G) and $15-$30 for Part D. I thought $650 sounded high too and Im on a BCBS Medigap plan Yep, you are correct Mr. Scag. I plan to take the Medigap too instead of the advantage plan. But mainly, for your Part B premium, the gov. goes back two years and looks at your income. I made some mistakes. No one told me about the 2 year thing.
Foxtrot Juliet Bravo
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Re: The joys of health insurance ...
[Re: Uncle Zeek]
#13028323
01/13/19 09:54 PM
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Joined: Feb 2003
Posts: 55,364
SkeeterRonnie
Super Freak
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Super Freak
Joined: Feb 2003
Posts: 55,364 |
I pay $10k a year and my employer pays $15k. For myself, wife, and son. All healthy with 1-2 minor doctor visits a year. Great system we have!! I get to take care of indigents that dont pay a dime and come to the ER 1-2 times a month for any and everything!
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Re: The joys of health insurance ...
[Re: WAWI]
#13028332
01/13/19 09:59 PM
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Joined: Sep 2005
Posts: 27,568
Uncle Zeek
OP
aka "Dad"
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OP
aka "Dad"
Joined: Sep 2005
Posts: 27,568 |
Being that you are self employed you should be writing this off. I have written mine off for years. I know that's not a perfect solution but at least it makes it tolerable at tax time. Yes, I'm treating it as a business expense, which is why I merely said 'painful'.
"Decency is not news; it is buried in the obituaries --but it is a force stronger than crime" ~ Robert A. Heinlein
Artim Law Firm, PLLC
Estate planning & tax attorney
2250 Morriss Road, Suite 205, Flower Mound, Texas 75028
972-746-0758 mobile
zac@artimlegal.com
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Re: The joys of health insurance ...
[Re: Uncle Zeek]
#13028396
01/13/19 10:56 PM
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Joined: Sep 2008
Posts: 5,143
glenls
TFF Celebrity
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TFF Celebrity
Joined: Sep 2008
Posts: 5,143 |
[quote=Bob Davis]And it gets worse. Medicare for me coming up in Feb. Of course with Medigap and Prescription D and paying for mandatory Part B, I'm looking at $650 month and the wife who is not medicare eligible close to $780 a month. Eventually a few years down the road, it should reduce some. you are doing something wrong then. My medicare is like $142/mo plus my advantage plan which is about $42/mo. I have no deductable, and Rx coverage. an Yep, you are correct Mr. Scag. I plan to take the Medigap too instead of the advantage plan. But mainly, for your Part B premium, the gov. goes back two years and looks at your income. I made some mistakes. No one told me about the 2 year thing. They also take into consideration what you draw out of IRS and other investments plus SS and your medicare will go up on income.
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Re: The joys of health insurance ...
[Re: Uncle Zeek]
#13028407
01/13/19 11:14 PM
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Joined: Sep 2006
Posts: 10,035
Spiderman
TFF Guru
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TFF Guru
Joined: Sep 2006
Posts: 10,035 |
Uncle Zeek, what they don't tell you is the rates go up as you get older & become a higher risk.
Try the same coverage at 55 or 60.
The Truth is six of the seven Dwarfs are not Happy!
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Re: The joys of health insurance ...
[Re: Uncle Zeek]
#13028416
01/13/19 11:23 PM
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Joined: Feb 2018
Posts: 15,243
Sawhorse
TFF Guru
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TFF Guru
Joined: Feb 2018
Posts: 15,243 |
Are STDs covered by Medicare? (Asking for a neighbor)
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Re: The joys of health insurance ...
[Re: Sawhorse]
#13028424
01/13/19 11:26 PM
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Joined: May 2002
Posts: 82,700
Bob Davis
Bunkeroid Bob
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Bunkeroid Bob
Joined: May 2002
Posts: 82,700 |
Are STDs covered by Medicare? (Asking for a neighbor) Yes, the clap for sure. But not "The Clapper- clap on clap off. 
Foxtrot Juliet Bravo
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Re: The joys of health insurance ...
[Re: Spiderman]
#13028615
01/14/19 01:41 AM
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Joined: Sep 2005
Posts: 27,568
Uncle Zeek
OP
aka "Dad"
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OP
aka "Dad"
Joined: Sep 2005
Posts: 27,568 |
Uncle Zeek, what they don't tell you is the rates go up as you get older & become a higher risk.
Try the same coverage at 55 or 60.
Oh, I know. We have a Blue Cross plan we provide our employees (yes, I'm going to see if it makes more sense to just add me to that policy). It's not bad for the younger & middle aged ones, but it's hellishly expensive for those 55+ ones.
"Decency is not news; it is buried in the obituaries --but it is a force stronger than crime" ~ Robert A. Heinlein
Artim Law Firm, PLLC
Estate planning & tax attorney
2250 Morriss Road, Suite 205, Flower Mound, Texas 75028
972-746-0758 mobile
zac@artimlegal.com
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Re: The joys of health insurance ...
[Re: Uncle Zeek]
#13028630
01/14/19 01:55 AM
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Joined: Feb 2007
Posts: 28,573
Gusick
TFF Guru
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TFF Guru
Joined: Feb 2007
Posts: 28,573 |
Uncle Zeek, what they don't tell you is the rates go up as you get older & become a higher risk.
Try the same coverage at 55 or 60.
Oh, I know. We have a Blue Cross plan we provide our employees (yes, I'm going to see if it makes more sense to just add me to that policy). It's not bad for the younger & middle aged ones, but it's hellishly expensive for those 55+ ones. It could be worse. The current limit on age banding is 3:1, they wanted to raise it to 5:1 a couple years ago.
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