Random, Thoughts, X,XXIV

#35,507
#35,507
malinoisvol said:
Querston: i've read that the first 12 months of receiving SS that income is limited to $1,950 per month. Does that sound correct?
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hmanvolfan said:
No, determining factors are how much you earned in your working life and at what age you start drawing the retirement benefit. You can go to the social security website and get the full info.
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hmanvolfan said:
If you wait to start drawing until 67 I think it is there is no percentage deducted from the payments regardless of how much you earn. I work full time and draw full retirement benefits because I waited until I reached the age where they don’t dock your benefits for working.
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@malinoisvol Hman on it. I'm thinking about going back PT first of the year. I will get docked until 66 and 10 months. Not sure of the amount but like H said, it's on the SS website. Here in Hoptown I will just make an appointment with the SS office and ax all my questions. Right now I am fighting the Medicare add on for salary adjustment. They go back 2 years and assume you will still be making that much. Medicare is a giant PITA.
 
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#35,508
#35,508
82_VOL_83 said:
@malinoisvol Hman on it. I'm thinking about going back PT first of the year. I will get docked until 66 and 10 months. Not sure of the amount but like H said, it's on the SS website. Here in Hoptown I Oncent. They go back 2 years and assume you will still be making that much. Medicare is a giant PITA.
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Once you start using it it's ok. Just give the provider your card, and they handle it.
Get Regular Medicare A,B,D and a supplemental plan.
 
#35,514
#35,514
malinoisvol said:
JC! How many plans are there?
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Well, plan A is for hospital bills, plan B is basically for doctor visits and charges, plan D is for prescriptions and plans F & G are for supplemental insurance that covers the 20% that Medicare doesn’t. Plan C is what is called Medicare Advantage which I highly recommend you stay away from because they restrict what doctors you can see and some doctors refuse to accept it. My primary care doctor has a sign on the inside of the exit door from the treatment area to the waiting room that says they do not accept Medicare Advantage plans.
 
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#35,515
#35,515
hmanvolfan said:
Well, plan A is for hospital bills, plan B is basically for doctor visits and charges, plan D is for prescriptions and plans F & G are for supplemental insurance that covers the 20% that Medicare doesn’t. Plan C is what is called Medicare Advantage which I highly recommend you stay away from because they restrict what doctors you can see and some doctors refuse to accept it. My primary care doctor has a sign on the inside of the exit door from the treatment area to the waiting room that says they do not accept Medicare Advantage plans.
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GEEEEZZZZ... There is also a Plan N.

Thanks for the info H. I still have a little over a year before I have to choose. If I had to choose today, I guess I'd go with A, B, and N.
Lawd have mercy!
 
#35,517
#35,517
Like Hman, I have A, B, D, and the Cadillac supplement plan available here in Gwinnutia. Yep, I pay more in monthly premiums, but my out of pocket is less. You need to review your total health care costs each year to evaluate your options. Without my current supplement plan, I would have paid more than the premiums plus my out of pocket costs for the healthcare that I’ve received.
 
#35,519
#35,519
Im in the middle of sorting thru dad and moms plans and benefits with all these recent hospital bills

It's a mess.

Dad would sign up for stuff and only he knew where paperwork went and where it is
 
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#35,521
#35,521
NGAF but I am chair of my county's insurance negotiating committee (bids, interviews, health, supplemental), and last time around we went with the company that did NOT run initial claims thru AI.

I have A LOT of supp coverages, and I am *still* trying to talk to humans about her claims. <- my wife's

It's gonna get worse with the AI.
 
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#35,525
#35,525
hmanvolfan said:
I’ve had Medicare and a supplemental policy on plan G since 2018 and haven’t paid a medical bill since then, one of my immunotherapy infusions costs $39,000 and I was getting them every six weeks.
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I have Supplemental plan G. I was in ICU for a week, and saw the first bill, Ouch over $100,000. And that was almost 7 years ago. Ended up costing me $0.00.
Seems there is a "higher deductible" Plan G in some states.
 
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