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About docj

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  1. Here's an Oregon mail forwarding service. Maybe they can meet your needs: https://mailforwardingservices.com/
  2. With all due respect there's a big difference between the two. The slowdowns caused by network management can vary on literally a minute basis. Throttling, on the other hand, is something that gets imposed and you could be stuck with it until the next billing cycle, Sure, on any given day the effects of the two may appear to be similar but the underlying causes are very different.
  3. Irrespective of whether or not the business vs personal issue is significant, it's well established that "postpaid" accounts have higher priority than do "prepaid" ones. So your daughter is possibly seeing the confluence of two different factors.
  4. When Part D was enacted, Medicare was specifically forbidden by legislation from negotiating drug prices. The drug companies got what they wanted--a government program to pay for drugs and no ability for the government to negotiate prices!
  5. I don't see Medicare as being a "mess" at all. Yes, it's more complicated than necessary, but it pays our bills and we don't have to fill out ANY paperwork. Neither my wife nor I have paid for anything other than prescription co-pays and premiums in >8 years. As for Medicare Advantage, that was foisted on Medicare by the managed care industry which lobbied Congress so it could get a piece of the Medicare "pie." They convinced Congress that they were so much more efficient in delivering care that they could provide far more services for the same or less money! I've personally never been a fan of managed care, since I like getting the best treatment I can, not the "best one my plan will pay for!" I'm sure we all have our favorite managed care horror stories. Mine is from a friend in TX whose plan wouldn't approve treatment of his wife's cancer at MD Anderson in Houston. By the time they did approve it, nothing could be done.
  6. Sorry, I didn't mean to imply that our long term care policy was through Medicare; it's not. I went back and looked at our most recent tax returns. We paid ~$10.5k for health and dental insurance (including Medicare Part B, Supplementals and Part D) and ~$2k for long term care insurance in 2019. When I had said $8k I wasn't thinking of the Part B premiums.
  7. With all due respect, I'm not sure why you consider the plan to be all that good. My spouse has had several surgeries since she went on Medicare and none of them have cost us even a dime. We have Plan F supplementals which have now been superseded by Plan G. Our total annual premium costs, including long term care, are less than the $9k you mentioned.
  8. With all due respect that is an article from 2011. On December 19, 2011 AT&T dropped its merger offer after serious public, Congressional and legal resistance.
  9. Didn't you do an annualized cost analysis before you made the change? Of course, the plan with the lower premiums will charge you more for the Rx. It's a net zero sum game; it all has to turn out roughly the same in the long run. The trick is finding the one that is the best one for your particular set of prescriptions.
  10. Yes, you appear to not understand that there is an annual "open season" for Medicare supplements every year in the Nov-Dec timeframe. So the worst that can happen is that, in the middle of the year, you start taking a medication that isn't on your current plan. If that happens you have to limp along until you get to open season when you will, hopefully, find a plan that covers it. If you change plans, your new coverage will start on January 1. We've done this multiple times. That's why I said that you can't just focus on premium costs; one year we both switched to plans with higher premiums in order to get coverage of all our meds.
  11. Our experience has been that if we carefully analyzed the drug plans (Part D) each year relative to the medications we used, we have always been able to get all of our meds covered. My wife takes several high-priced meds, but we've always been able to shop for plans that covered them. What many people aren't aware of is that different Part D plans from the same insurance carrier can often have significantly different formularies. For example, this year my wife and I both have AARP Part D plans through United Healthcare. Since we always have our Rx filled at Walgreens, I wondered why I was on the "Walgreens AARP plan" and she was not. Sure enough, one of her expensive meds wasn't covered under the Walgreens plan. Yet the premiums for both our plans are in the ~$30/mo range. But her total costs would have been a lot higher on my plan. Changing Part D plans is very easy and acceptance is guaranteed as long as you had coverage in the previous year by another carrier. We've probably changed Part D plans in ~5 out of the 8 years we've both had Medicare. When selecting plans we only focus on the total annualized cost of the plan, including premiums and co-pays. Focusing only on premium costs can sometimes result in a faulty analysis.
  12. With all due respect, if you choose the correct Medicare supplemental plan you will have essentially no exposure regardless of what your medical condition. Prescription plans do have co-pays, but if you analyze your plan each year using a calculator, like what you can find on the Medicare website, you can minimize those costs. When we started full-timing my wife had ~18 months without Medicare coverage. We bit the bullet and bought her a plan at the limit of what we could afford and we kept our fingers crossed. We lucked out and nothing serious happened until after she was on Medicare.
  13. I just purchased a new Dell G5 to replace my aging Inspiron. Even though I went from a 4K display to an HD one, the fact that it is a 144kHz refresh rate is amazing. Letters are crisp and clear even at very small sizes! The G-series Dells are "gamer" systems. I'm no gamer, but they had the kind of configuration I was looking for-- 10th gen Core i7, 16GB of RAM, 515GB SSD, a NVIDIA video board. If anyone is interested in a 4 year old Inspiron 7559 with a 6th gen Core i7, 16GB of RAM . a 256GB SSD, a 1TB HDD, and a 4K touch screen let me know. Runs Windows 10 (not updated to version 2004). The primary issue is that the hinges are failing. One hinge was reinforced last summer by a shop in Canada using couple of screws carefully inserted from the bottom. The second hinge needs the same thing done to it. If you have an application where you can simply keep it folded up and use it as a server it would be fine.
  14. I'm amazed that anyone would launch a new print magazine in 2020. JMO
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