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Re: Getting dual health insurance

If you have two insurance policies, 'Coordination of Benefits' rules apply. First read the Summaries of Benefits from both plans and then determine if you need both. If both insurance policies are premium free, you might keep both. Find out if 'Change in Status' event will enable you to cancel redun...
by mur44
Mon Dec 22, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Getting dual health insurance
Replies: 6
Views: 149

Re: Retirement Planning: Estimating Med-Insurance Costs

Assuming that Medicare will continue with current level of benefits, many studies show that one should plan to spend $10,000 per year per couple after Medicare. You should plan for higher inflation for Medical expenses. If your health is good, you may be able to allocate lower budget for health care...
by mur44
Fri Dec 05, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning: Estimating Med-Insurance Costs
Replies: 12
Views: 932

Re: Medicare signup

You may want to evaluate the following options: (1) Original Medicare (Parts A and B) with Part D (Prescription Drug coverage) (2) (1) + Medigap (3) Medicare Advantage with Prescription Drug coverage You need to use your Health and Wealth factors to decide what is best for your situation. Note that ...
by mur44
Wed Dec 03, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 36
Views: 2150

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

I am wondering if any other updates would
be coming in December?
by mur44
Wed Dec 03, 2014 11:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 71
Views: 7829

Re: Spending changes in retirement? Vanguard CFP

If you have good Retiree Health Insurance, you may exclude the last five (5) years. Medicare and Retiree Health Insurance would eliminate the need to plan higher expenses for the last 5 years. One needs to plan for Long Term Care (LTC), which is custodial care. Also, if one qualifies for Low Income ...
by mur44
Tue Dec 02, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending changes in retirement? Vanguard CFP
Replies: 9
Views: 770

Re: "Where to Invest in 2015"

Taylor, Thanks for the post.

I saw Taylor's home office during 2014 visit.
Taylor is simply amazing. He has a huge
home library. I believe that he has
photographic memory.

I wonder when medical technology would
develop so one can augment man made
(artifical) memory chip.
by mur44
Sun Nov 30, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: "Where to Invest in 2015"
Replies: 19
Views: 2776

Re: Question re Medicare bills?

It appears that your father is considered a Dual (both Medicare and Medicaid). In this situation, his primary is Medicare and secondary is Medicaid. Medicaid is supposed to cover the balance not necessarily all of it, as it is state specific. If your father's Medicaid is an HMO, find out from the in...
by mur44
Tue Nov 25, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Question re Medicare bills?
Replies: 13
Views: 1900

Re: Best book on Medicare?

Start with 'Medicare & You' and you can order from the following: http://medicare.gov/Publications/Search/SearchCriteria.asp?version=default&browser=Firefox|33|Windows+7&Language=English&pagelist=Home&comingFrom=13 After you read the above, it may be worth visiting your local SHI...
by mur44
Sun Nov 23, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Best book on Medicare?
Replies: 3
Views: 473

Re: Can One Rollover NJ State Pension Benefit Amount?

Thanks mggray17 for enlightening me on the
issue.

I was reading Fact Sheet #27 available at MBOS system.
by mur44
Sat Nov 22, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Can One Rollover NJ State Pension Benefit Amount?
Replies: 4
Views: 321

Can One Rollover NJ State Pension Benefit Amount?

The fact sheet from New Jersey regarding State Pension benefit is very confusing. It describes how it may be rolled over to an IRA and on the very next page it states that it may not be done: First Page: You may want to postpone paying income taxes on such distributions from your pension plan by pla...
by mur44
Sat Nov 22, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Can One Rollover NJ State Pension Benefit Amount?
Replies: 4
Views: 321

Re: Updated IRS Rollover Chart

Alan,

Thanks a lot for the Rollover chart - it is a great one.

Your posts are extremely beneficial to all.
by mur44
Wed Nov 19, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated IRS Rollover Chart
Replies: 7
Views: 1211

Re: Best Guide to Selecting the Proper Health Insurance Plan

Not that I know of. But use your health and wealth as the driving factors. Look at your health care costs and keep it simple. One needs Hospital, Outpatient and Drug coverages. If you are on Medicare, Medicare & You is an excellent start. Disclosure: I am a Certified Volunteer Medicare Counselor...
by mur44
Wed Nov 19, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Best Guide to Selecting the Proper Health Insurance Plan
Replies: 3
Views: 552

Re: Taylor Larimore, My Favorite Teacher

I concur with that assessment that Taylor Larimore is
my teacher.

My wife and I had the good fortune of meeting with Taylor
in August 2014 and having 'teacher, student conference'
in person in Miami.

Thank you Taylor.
by mur44
Sat Nov 15, 2014 6:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 2151

Re: 'Insects' Taking Over Underground Sprinkler Control Box

Thank you all for the responses.

When I removed dirt yesterday, I saw about 7, 8 earthworms
in the control area.

Is there a solution to get rid of earthworms?
by mur44
Thu Nov 13, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: 'Insects' Taking Over Underground Sprinkler Control Box
Replies: 11
Views: 892

'Insects' Taking Over Underground Sprinkler Control Box

Our house has underground sprinkler system with the control box installed underground. The underground area is now being taken over by some kind of insects that basically fill the entire area with dirt. It takes significant effort to remove the dirt and clean it. I tried styrofoam packing chips to f...
by mur44
Wed Nov 12, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: 'Insects' Taking Over Underground Sprinkler Control Box
Replies: 11
Views: 892

Re: Historical Medigap/Advantage Health Care % increases?

Medigap rate increases tend to be 'local'.
For example, NJ rates have been high for many
years and percent increases have been reasonable.

You may want to base your decision based on
current facts. As nobody has a crystal ball.
by mur44
Wed Nov 05, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Historical Medigap/Advantage Health Care % increases?
Replies: 3
Views: 411

Re: Most financially economical choice for a car

Honda Accord or Toyota Camry would be better
choice from safety point of view.

You can wait till September to buy 2014 model
when deeper discounts are offered.
by mur44
Tue Oct 28, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4719

Re: Best health insurance plan for a bad year (cancer)?

Option 2 appears to be better. OOP maximum limits are
helpful in this case.


Disclosure: I am a Certified Volunteer Medicare Counselor form NJ
by mur44
Sun Oct 26, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 30
Views: 2458

Re: Part B Excess Charge

If your health is good and you use limited medical services, consider Medigap plan 'F' High Deductible. One of the Bogleheads did extensive (mathematical) analysis and concluded that expected out-of-pocket costs are lower with Medigap Plan 'F' High Deductible for healthy beneficiaries. As Excess Cha...
by mur44
Sat Oct 25, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part B Excess Charge
Replies: 8
Views: 890

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

One stated gross factual error is that Federal Poverty Level (FPL) at $800.00. FPL for 2014 is at $973: http://aspe.hhs.gov/poverty/14poverty.cfm In New Jersey, I understand that many 'good' nursing homes do not like to admit Medicaid beneficiaries as Medicaid payments are lower than 'private'. Disc...
by mur44
Sat Oct 25, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2041

Re: 2015 Medigap plan changes

Medigap insurers and plans are at state level. Your best bet is to contact your local SHIP (State Health Insurance assistance Program) counselor: https://shipnpr.shiptalk.org/findcounselor.aspx Some states such as NJ make the Medigap charts available online. Disclosure: I am a Certified Volunteer Me...
by mur44
Wed Oct 22, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 782

Re: Estimated SS COLA for 2015

Medicare Part B premium remains at $104.90 for
2015. However, Medicare Part D, Medicare Advantage
and Medigap premiums may increase locally. Private insurance
companies determine these 3 rates.
by mur44
Wed Oct 22, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 17
Views: 1965

Re: DIY Winterizing Sprinkler / Irrigation System

Some 20 years ago I read an article that said there is NO need to blow the underground sprinkler system. Based on the above, every year I open the valve in the control box and the valve outside of the house. I have been doing this for the last 20 years. I never used professional service to handle th...
by mur44
Mon Oct 20, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: DIY Winterizing Sprinkler / Irrigation System
Replies: 17
Views: 1722

Re: [Confused with Medigap Options]

drawpoker, You should know how good your health is - Ask your doctor if you do not know. If you do not have any chronic conditions, your health is good. If you use minimal health care services, your health is good. Also, look back your ancestral family health history. Medicare beneficiaries have no ...
by mur44
Sun Oct 19, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1935

Re: [Confused with Medigap Options]

If you expect your health to be good, consider Medigap Plan F High Deductible plan. Your responsibility would be the first $2,000. You can not go wrong by taking the cheapest Medigap plan. When Medicare pays, Medigap plan has to pay with no questions asked. You may contact your county State Health I...
by mur44
Fri Oct 17, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1935

Re: Switching Medigap Policies - Confused

You can switch Medigap insurance companies at any time of the year. It need not be done during Annual Enrollment Period (AEP). AEP is for MAPD/MA and Part D plans. First look at pre-existing condition waiting periods for various underwriters and then apply for the one that you are interested in. Onl...
by mur44
Fri Oct 17, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Medigap Policies - Confused
Replies: 4
Views: 339

Re: Is it a no-brainer to cont w/emp health ins vs medicare

I need more information on the employer health insurance coverage, employee premium amount, spouse's age. Medicare Part A (Hospital insurance) is free if one has 40 quarters of work history. It is free to spouse as well. If you PM me, I may be able to assist you. calm man: Help is available to assis...
by mur44
Thu Oct 16, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1293

Re: Maximum Number of Medicare Hospital Days

A supplemental (Medigap) plan would add 365 additional hospital days in addition to the 60 free days (and 30 lifetime reserve days). There is a small probability for one to be hospitalized for a long period of time. A medigap plan would provide additional protection. Medicare Advantage plans vary si...
by mur44
Wed Oct 15, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Maximum Number of Medicare Hospital Days
Replies: 10
Views: 804

Re: Medigap polcies - selecting for first time

If the health of yours and your husband is good, consider High Deductible Medigap Plan 'F'. This would cut down your month premiums for Medigap plan and your liability is limited to $2,000 per year per person. Alternately, Plan 'N' may be OK also. Plan 'N' has been in existence since 2010 and benefi...
by mur44
Sun Oct 12, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1466

Re: Medicare Advantage to T Medicare plus supplement

Choosing between Medicare Advantage versus Medigap should be made carefully using Health and Wealth conditions. Health would include 'family' health history. There are states like New York and Connecticut where one can buy Medigap at any time at any age. If health is good, consider High Deductible M...
by mur44
Fri Oct 10, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 1105

Re: Medicare Part D (Prescriptions), changing plans

When you switch Medigap insurance carrier, some may have pre-existing condition waiting period. As a general rule, find the cheapest medigap plan. It is always good idea to run Plan Finder ANNUALLY at http://WWW.MEDICARE.GOV to identify the best Part D, Medicare Advantage (MA) or Medicare Advantage ...
by mur44
Fri Oct 03, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2483

Re: Any Experts in Reading Medicare Summary Notices?

Your best bet is to utilize the services of the following non-profit organization: MedicareRights National Helpline: 800-333-4114 http://www.medicarerights.org/ This organization offers free 'legal' service to help resolve problems. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Thu Sep 25, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Experts in Reading Medicare Summary Notices?
Replies: 9
Views: 817

Re: Medicare question

Have you tried to buy through the exchange at:

https://www.healthcare.gov/

Also, a local insurance broker might be able
to help buying for short term period.

Your question is NOT really Medicare question.
by mur44
Thu Sep 25, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare question
Replies: 10
Views: 937

Re: Blocking Your Own Name & Home Phone Number?

Please note that I am trying to STOP Robo calls by blocking the phone number. When I see my Name and Phone number on the incoming call, I know for sure that is a phishing call. Did anyone experience such phishing phone calls? If so, did you try to block your own phone number using phone blocking fun...
by mur44
Mon Sep 22, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Blocking Your Own Name & Home Phone Number?
Replies: 16
Views: 1393

Blocking Your Own Name & Home Phone Number?

FTC reports that spam calls are now initiated with
Caller ID of your own name and telephone number.
This is a new scam.

My phone has blocking capability and I am wondering
it is OK to block my own telephone number? Has
anyone blocked their own telephone number?
by mur44
Mon Sep 22, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Blocking Your Own Name & Home Phone Number?
Replies: 16
Views: 1393

Re: [Medicare] Part D Sticker Shock

The only way to choose an OPTIMAL Part D plan is to use Drug Plan Finder at MEDICARE.GOV and enter all the drugs you are taking. The Plan Finder will list all the plans that are available to you in the order of lowest total ANNUAL cost to highest. The top three plans can be compared after making sur...
by mur44
Sat Sep 20, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2398

Re: Medicare Plan D Tail Of Whoa!

The only way to choose an OPTIMAL Part D plan is to use Drug Plan Finder at MEDICARE.GOV and enter all the drugs you are taking. The Plan Finder will list all the plans that are available to you in the order of lowest total annual cost to highest. The top three plans can be compared after making sur...
by mur44
Fri Sep 19, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 2098

Re: Strange Billing Practice by Medical Provider

aude, Could you please tell us more details: (1) Is your relative on Medicare? If yes, is he/she on Medicare Advantage with PPO? (2) if your relative is on non-Medicare health insurance plan, what is the name of the insurance company and plan name? More details would give better answers. Disclosure:...
by mur44
Tue Sep 16, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2908

Want to leave a Roth IRA to your kids? Beware of taxes

The following MarketWatch article gives
heads up for potential risks to the 'tax free'
distributions to Roth funds:

http://www.marketwatch.com/story/want-t ... 2014-09-09

Should one not plan to convert TIRA to Roth in view of
the potential risks?
by mur44
Tue Sep 09, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to leave a Roth IRA to your kids? Beware of taxes
Replies: 2
Views: 713

OptimumWifi

Are there Bogleheads using OptimumWifi service
from Optimum cable service?

What are your experiences using the above
service.

We will be traveling to Florida and wondering
if OptimumWifi would work there?
by mur44
Tue Aug 12, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: OptimumWifi
Replies: 1
Views: 492

Re: MAGI for Medicare Rates

It is not called penalty. It is called surtax.

If you have a very high income, you will likely pay a higher amount
for your Part B premium and Part D premium.
This is called an Income-Related Monthly Adjustment Amount (IRMAA).
by mur44
Sun Aug 10, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI for Medicare Rates
Replies: 36
Views: 1949

Re: Telephone Calls! Help! [Telemarketing phone calls]

I purchased a new Panasonic DECT phone that can block 250
telephone numbers. Previous Panasonic phone did
not have the blocking capability.

It is worth it as the previous one did not have the
blocking capability.
by mur44
Sat Aug 09, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 8909

Re: India’s Rajan sounds alarm on asset bubbles

He has great track record.

Greenspan should have paid attention to what
Rajan said before the Great Recession.

Larry Summers simply ignored his warnings.

He knows his stuff.
by mur44
Thu Aug 07, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: India’s Rajan sounds alarm on asset bubbles
Replies: 5
Views: 1253

Re: Medigap-AARP United Healthcare or Horizon BCBS?

Buy the cheapest Medigap plan.

Once Medicare pays, Medigap plan has to pay without
your doing anything.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Wed Aug 06, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap-AARP United Healthcare or Horizon BCBS?
Replies: 5
Views: 591

Re: Is Medigap insurance really needed?

nisiprius,

If one have Medicare Parts A, B and D (no medigap),
there is NO OOP (Out Of Pocket) limit. This
Medicare insurance (A, B and D) setup is for
'healthy' (yours and your family) individuals.

But, there are several 'tricks' one can use to
minimize OOP expenses.
by mur44
Mon Aug 04, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4761

Re: Is Medigap insurance really needed?

betterdays, If your retiree health insurance is terminated by your employer, you have a 'guarantee issue' situation, you can purchase a medigap plan. Plan 'F' is one of the two popular plans. You may want to visit your local State Health Insurance assistance Program (SHIP) counselor for free, unbias...
by mur44
Sun Aug 03, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4761

Re: Is Medigap insurance really needed?

If your wife's health is good, you can take one of the following two (2) options: (1) Take a Medicare Advantage plan with Prescription Drug coverage until she is eligible for the retiree health insurance. Make sure your service providers accept the plan. (2) Buy Medigap Plan 'F' High Deductible, whi...
by mur44
Sun Aug 03, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4761

Re: Does severance pay reduce or relace unemployment benefit

In New Jersey and New York states, severance pay
does NOT affect your right to collect Unemployment
benefits.

You are no longer employed and therefore you
are entitled to collect UI benefits.


Disclosure: I am a resident of NJ
by mur44
Sun Jul 27, 2014 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3765

Re: Withdrawl from Target Retirement or Life Strategy Fund

Vanguard has tailored such a fund for retirees.
It is Target Retirement Income (VTINX).

VTINX is intended for retirees withdrawing funds
periodically.
by mur44
Wed Jul 16, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4652

Re: Hospital bill negotiation

If the amount you owe is large then consider hiring a Paid
Professional Claims Assistance Organization.
by mur44
Tue Jul 15, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4391
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