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About Barbaraok

  • Birthday May 22

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    On the road, maybe heading towards your location.
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    Computers, RVing, Geocaching, Finding the perfect bottle of wine we can afford.

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  1. Most insurance will cover emergency situations, like to an urgent care facility for a sore throat, er for broken leg or heart attack. Whether the insurance you chose would cover other things is in the fine print of the policing so you have to read very carefully and ask questions. They will expect that you return to Texas for your primary care annual visits, etc. We always made a circuit of the country returning to Texas in November for our checkups, etc., and then the holidays with our daughter and son-in-law. Since you are 63, you will need to do something similar for 3 years. We never had a problem as our insurance was overseen by BCBS and we found we were never turned away for an strep throat, etc.
  2. So you didn’t go to Medicare.gov site and download “Medicare and Me” or something like that? You really, really, really need to do that and then spend a lot of time going through it! I knew a lot of stuff because I sorted through it all for my mom and dad when they retired.
  3. Jay, Would your premiums have been greater than $500/month for that year? That’s the question to ask. And as we age, the number of tests, office visits, outpatient surgeries, etc., can all add up. So it is a case of doing risk assessment each year.
  4. Remember in addition to the Annual Deductable, Medicare only pays 80% of each visit, test, etc. now that is 80% of what Medicare says is a fair charge, not what they bill. Your supplemental then pays that 20%.
  5. You can get a supplement at any time. If I paid premiums for a supplement (retirement package) then I wouldn't because I have very little beyond what Medicare pays - just yearly visits with ophthalmologist, dermatologist and internist. However, for Dave it is several visits a year to his cardiologist, dermatologist, ophthalmologist, internist, nephrologist (kidney doctor) plus outpatients tests every 6 weeks or so for one or more of his aliments. With Advantage plans you need to be very careful as there can be problems changing or going back to original, depending upon the plan. I have a philosophical problem with those plans which is why we wouldn't get one. But I understand they work for some people. The thing with Part D is that a lot of people think they don't need anything for prescriptions because they hardly every take one. UNTIL suddenly their body lets them know that they are getting old and hits them hard, out of the blue. My sister thought the same, and then all of a sudden she had medical problems resulting in maintenance meds, and she has to pay a penalty for life because she didn't get enrolled in the cheapest one possible. I understand the feeling that one doesn't want to pay for something they don't need, but in this case just look upon it the same as any other insurance you pay but don't need - insurance against what might happen. And believe me that there are a lot of prescriptions that are out of sight without the negotiated prices that big insurance companies can get.
  6. When they needed the N95 and surgical masks for N95 mask, but much, much better than nothing! Things change and we move forward. There is still a place for cloth masks, quick in-an-out, etc.
  7. That’s correct, with the added benefit, the mask you are wearing adds protection to you. Plus it is better than not having any protection from those low information ppl who won’t wear a mask and won’t get 💉!
  8. Also get one of the prescription plans like Good Rx, sometimes that can be cheaper than your insurance.
  9. Orca, cars didn’t begin the industrial revolution. Maybe refresh some of your history concerning the steam engine, etc. would help.
  10. It gets easier once you get set up. We were lucky that our supplement and drug program were part of our retirement package.
  11. Part D is drug plan. There is no Medicare part for supplemental because that is outside of Medicare.
  12. Correct. Though we don’t pay any deductible except for prescriptions.
  13. Since you aren't on SS yet, you are paying your Part B premium separately. When on SS, they just deduct it from your payment before it is deposited. You will need a supplement if you don't want to have to pay out the deductible yourself. If in good health, you might want to just go without a supplement for a year or two and see how it goes. Since I don't have to pay for my supplement (is part of my retirement package) it is nice to have, but I never have more than maybe $500 a year out of pocket expenses. Of course, haven't been hospitalized, etc. and usually just annual visits to internist, ophthalmologist, dermatologist and I'm done. Dave, OTOH, has huge out of pocket expenses since he has heart disease, diabetes, chronic kidney disease, reoccurring skin cancers, blow retinal veins, and other assorted maladies. You do want to get a Part D plan, if you don't take prescriptions, get the cheapest you can find and review each year, but get it NOW because there is a penalty for each year you delay and at home point you will want to have it in place as you age.
  14. Orca. No one ever said man caused it all. Earth climate goes in cycles that are effected by slowing of the rotation of the earth, sun spots, movement of the moon, volcanic activity, decay of uranium in the core, movement of iron in the mantel affecting location off the poles, and on and on. And even with man interfering, the planet will be fine. But all of the current species on the planet may not survive because human activity has accelerated changes. US NAVY takes warming seriously because it affects total levels, affects locations of ports, etc. Insurance companies take it seriously because increased warming means more moisture in the air, means more severe storms everywhere causing property damage and deaths. And the list goes on and on. that you refuse to see what is happening is sad. Not unexpected, but still sad.
  15. Do people in RVs need to worry a tornadoes? Of course. Severe storms? Of course. We are seeing more tornadoes occurring, in uncommon areas as the energy in the atmosphere increases. Simple atmospheric physics at work and RVers need to be cognizant of that fact.
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