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hachiko wrote: ↑Mon Feb 13, 2023 8:36 pm I always get receipts with the confirmation number emailed to me. If the IRS says a payment wasn't credited, you can match those up with the proof from your bank that the payment was debited. The IRS will then be able to use that in their trace.

If you want to keep a record of what you're inputting, hit print screen, open a word doc, paste it there, and you're good. Hopefully by "printing" you mean printing to pdf and you're not actually printing something onto a piece of paper and physically storing it.

Thank you. For some reason I don't get the email confirmations. And yes I meant printing a PDF.

Thank you. Not really because that just gives you one line descriptions of each of your payments. After each payment, which I just saw, there is a printer friendly version but it doesn't show your name or less of your Social or anything

I have been paying estimated taxes at the EFTPS site for many years. There does not appear to be any option to print proof of your payment. What I've resorted to is taking screenshots and then printing them but that seems sort of silly. Does anybody have any ideas on how to do this or am I just missing something? Thank you

I would do nothing. Somehow in about 18 months she will get a letter from the IRS that you owe them something. Just put a sticky on your tax return and you'll remember it when they send it

z3r0c00l wrote: ↑Mon Feb 06, 2023 6:45 pm Sounds like a huge amount to spend in 90 days. What is your normal monthly spending?

Marry off your daughter and you'll easily get it.

I don't know but I was just hospitalized for 3 Days a few weeks ago with the broken vertebrae which by the way is killing me and I pray I recover from. I have a plan g and my total cost of everything with huge bills from everyone is going to be the deductible.

Medicare is the greatest program I've ever seen. If I were her I would just sign up for Medicare and get a drug plan and a supplement like plan g and if it costs a few dollars more so what?

It didn't happen to me. I have a chronic neuropathy and I'm working with some specialist with meds costing 5 or 600 a month. Which by the way I don't think will work. Then I broke my back two weeks ago and I'm paying a fortune for aides and delivery of medicines and all sorts of things. And if I didn't have that money I don't know what I would do. I get grocery deliveries and people to clean and everything. My worst fear would be having to take care of myself without the resources. That's all that money matters for. And my daughter lives 8 miles away and has not seen me in 10 days. She calls everyday, whoopee..She just tells me to get help and pay for it which I'm doing and her percentage inheritance is going to go down.

Here's how I figure it. If TurboTax didn't exist were no online service existed, how much would be the amount you would pay to get access to it. For me if you can get it all for $100 or $200 that is a steal. Take this from somebody who is laid up now with a bad back and praying to God he gets better. I have all five tax forms for next year and will pay whatever turbo tax wants.

Don't forget that Medicare Part D has a gap in coverage. After spending $4430 in covered medications, you have to spend a total of $6550 out of pocket to get into the catastrophic coverage stage of the insurance. Reaching the $6550 counts as the below: Brand name meds - the insured will pay 25% of the med and 25% of the dispensing fee Generic meds - the insured will pay 25% of the cost only. Please note that if you pay out of pocket for anything or try to use a coupon (medicare patients are not eligible for most manufacturer coupons, so I'm talking about GoodRx etc here), it will NOT count towards your out of pocket spend of $6550, so even if it's more expensive through the insurance, if you think you're going to reach the catastrophic cov...

It's things like this that keep me telling people that if you can afford the few hundred a month for plan g and a drug plan, don't bother with Medicare advantage.? My second day on Medicare I didn't know I was on Medicare advantage as the company I retired from somehow automatically enrolled me,,and went to an ENT person who wanted to cut out something. I said go ahead. And he said no we need prior authorization. That was it and I switched to a medigap and that was the best thing I ever did.

One comment as I am well known for. Unless the two or $300 a month matters, do original Medicare and get supplement plan g. And then get a drug plan. You will never have prior authorizations or anything like that but if you do part 3 with the Medicare advantage you're going to be on the phone many times and go into a doctor's office and not be able to get something done. The company I retired from without my knowing it and rolled me a Medicare advantage and the second day of Medicare I went to an ENT guy who wanted to take something out of my mouth and he had to wait for prior to approval and I got the heck out of there and went to plan g at a part dsupplement. Good luck

Avoid Medicare advantage at all costs. I don't have a vision plan because as any 65-year-old would have although I'm 70 now, there are always some eye diseases so the annual exam is a medical condition. And dental, either get some dental insurance which really isn't worth it or just pay rack rates and get on with it. Never do Medicare advantage, you never want to have to get a private private approval when you're an old person. I see anybody I want and everybody in New Jersey takes Medicare

Avoid Medicare advantage at all costs. I don't have a vision plan because as any 65-year-old would have although I'm 70 now, there are always some eye diseases so the annual exam is a medical condition. And dental, either get some dental insurance which really isn't worth it or just pay rack rates and get on with it. Never do Medicare advantage, you never want to have to get a private private approval when you're an old person. I see anybody I want and everybody in New Jersey takes Medicare

Why do you think any advantage plan no matter how good you think it is is so cheap. Unless you really are strapped for a few hundred a month and some are, just get a medicap g \^and a drug plan and then you're done. No prior approvals, no networks, no nothing. It's a few hundred a month matters and I guess of course you can do Medicare advantage but I just don't see the point. I read a survey where people with incomes over 100,000 never do Medicare advantage. Disclaimer, I hate Medicare advantage as I was in it for 2 months and got out as soon as I could because of prior authorization

The reason Kaiser Advantage (and all other Medicare Advantage plans) has low premiums from you is that Medicare is also paying them a monthly fee, whether you seek care or not in exchange for you not having Original Medicare. But you are also paying Medicare premiums monthly and you paid into Medicare while you worked. In other words, the money is being paid behind the scenes but it is invisible to you. I see it as Medicare is paying them to take care of a certain population of patients without bothering Medicare for each visit. In exchange for the low price to you, you are agreeing to get all medical care through the network you chose (Kaiser or other), except for emergencies while traveling. You also can’t file any claims for Original Me...

I am probably unusual as I tip huge amounts. I am now 70 and until 8 years ago with totally independent and now with chronic pain need services for everything like uber eats, and instacart, and Uber to get to medical appointments. I am so appreciative of these people and I tip a lot, so on the $20 trip locally I will give him $10 and on an $80 trip from New Jersey to Philly I will give them $40. I also told them cash. I cannot imagine if they were not there what would have happened. This is one of the rare things that was good about this covert thing because it got the service industry via apps etc to be available. This includes telemedicine where I have specialists in distant cities.

It all seriousness, unless $200 or so a month would affect your life and I understand in some people it does, just get medigap plan g from any of the insurers. You will then pay your deductible that Medicare sets each year and they never another penny unless the doctor missed code something and you can eventually get that straightened out if it's worth your time. I periodically get a miscoding for a lab and then a bill from LabCorp for $20 or $50 and I just pay it and don't bother.

Frankly I wouldn't have anything withheld from Social security because to change it is a big deal with forms and mailing and things like that. Would I suggest to people is if they're so capable as at age 70 I am but less each year, estimate your tax liability for the following year cuz you probably know all your sources except possibly stock dividends. Then unless you have something else withhold from just pay an estimated tax before the end of the first quarter that will cover the whole year and then you're done. If we die during that year hopefully we have children or somebody else who we let know what the heck is going on. I have a daughter and son-in-law I'm going to know that they know what to do

I am debating where to open an account and I am in the New York area and listen to Bloomberg radio a lot and there's something called the Jewish donor fund or Jewish advisory fund or something like that which has a 5,000 minimum it doesn't have these nonsense fees

This brings back horrible memories for me of November 2017 the year I turned 65. I was a retiree from a megacorp, a pharmaceutical concern that had a consumer business and device business as well, and without my consent or knowledge I found out I was enrolled in a United healthcare Medicare advantage plan. Apparently they had a link with the federal government and knew when I applied for medicare. That is an absolute insult and I can't believe that. Regardless, My first day on Medicare on November 1st, I went to an ENT person for a consult and there was a simple office procedure to remove something but he needed to get prior approval. That was it for me as I never wanted to have to go through that.....You would not believe how hard it was f...

When I switched from Medigap G to the new IBM UHC Medicare Advantage plan, it had to be approved by Medicare. This is the email I received: Congratulations on completing your Medicare enrollment! Your application is being submitted to the Centers for Medicare & Medicaid Services (CMS) for review and approval. We will send you a confirmation letter following this approval. I then received another letter from UHC that this had been approved by Medicare. So Medicare is keeping track of the plan in which you are enrolled. To me the IBM UHC information is confusing as to whether I will automatically be disenrolled from my Medigap plan. In one part the documentation states: If you choose to enroll in an IBM-sponsored Group Medicare Advantage...

Except for four states I repeat a funny statement which is Medicare advantage is like Hotel California (the song). You can always check in but you can never get out if there's anything wrong with you

I will retain one final statement. If you can afford a supplement and a plan d, meaning you will die with the dollar in your pocket do it. I have had so many procedures and diagnostic tests in the last 6 months and have never had to have an approval for anybody. And in my plan g except for the deductible I have never paid a penny.

Unless you can't afford it. I would never recommend Medicare advantage. Unfortunately I have had to have too many doctors visit this year, and I have Medicare original with a plan g and a d supplement and I never have to pay anything except for my it's deductible. Why one would want to bother with the Medicare advantage is beyond me unless you couldn't afford it. I actually this inadvertently put into a Medicare advantage by a company I retired from without any choice and I got out of it after 2 months thank goodness because I went to two doctors that wanted prior authorizations for some nonsense and I said forget it. And unless you are one of those few states that don't require underwriting, as you get older, you can't get into Medicare su...

I return to my mantra. If you can afford a supplement and a drug plan which may be a few hundred or maybe 300 a month and be on original medicare, if you're on plan g for example you will pay the deductible and never get another bill. That is priceless. I'm in the Princeton New Jersey area and no leaving no longer even ask if doctors take Medicare because everybody does. I never get a bill anymore once the deductible is paid. And unlike medicare advantage there is no pre-authorization or copays or any of that nonsense. I suppose if you find that a few hundred a month really matters then I guess you can do what you want but ultimately does it really matter? If you will die with a dollar in your pocket just go with the original Medicare and a...

I am assuming that they need to move to someplace you or someone else can take care of them and that they can no longer do that safely in their current house. With that assumption in mind, my option would be 9. Find an independent living facility near where they live with options to transition into assisted living and/or nursing home as needed and spend your money becoming a frequent flyer to visit them as often as feasible with your job. I know from experience, taking care of loved ones is nearly a full time job and may not be compatible with your lifestyle right now nor something that your partner wants either. It might also be financially cheaper for you to fly many times a year than most of the options you listed, especially since your...

This may seem some simplistic but I learned to always apply refunds to the next year's taxes and have never had a problem.

uaeebs86 wrote: ↑Sat Oct 01, 2022 9:31 am Clark Howard believes you should never do Medicare Advantage unless you can just not afford the premiums and costs from regular Medicare. He doesn't think the providers will be there for you if you have a major medical issue or need any advanced type of care.

In my opinion he's absolutely right. I suppose if you can't afford the two or $300 a month for the supplement then I suppose you do Medicare advantage. But otherwise as you get to be 80 and 90 do you really want prior authorizations? And whoopee they throw in a couple hundred bucks worth of dental and a gym membership which you probably won't use. They're making a bundle and as an investor that's great but as a patient why bother?

I have been asking similar questions whether the automatic debits will stop when the benefits begin. I am trusting what the board says which is that eventually it will be evened out. And if not so I guess we're out $600 or $700. It'll probably be right.

LadyGeek wrote: ↑Sat Sep 24, 2022 8:18 pm Good Listener - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

(Thanks to the member who reported the post and provided a link to this thread.)

Thank you so much. I was looking for it but couldn't find that post. I appreciate it

celia wrote: ↑Sun Sep 25, 2022 8:06 pm

Good Listener wrote: ↑Sun Sep 25, 2022 4:40 pm When representative called me to confirm some information, she quoted me the amount of the net that I would get. It was the social security benefit amount and subtracted the part b premium and part b irma.

Maybe the IRMAA quote included B and D.

I wish I did but I know what each of the two irmaas are and it only deducted the b.

Thank you both. So as I expected the government employee was very nice, really very nice, and the information she got simply wasn't accurate. Thanks again.

Thank you both. So as I expected the government employee was very nice, really very nice, and the information she got simply wasn't accurate. Thanks again.

I thought I posted this yesterday but I guess not. Right now my medicare premiums are deducted from my checking account by ezpay every month. It includes the part b premium plus part b Irmaa Plus part d Irmaa. I am turning 70 in November and beginning social Security and they told me the first payment will be received in December. When representative called me to confirm some information, she quoted me the amount of the net that I would get. It was the social security benefit amount and subtracted the part b premium and part b irma. I asked her why wasn't the part d irmaa subtracted and she said she doesn't know anything about this. So for anybody who receives Social Security and pays both part b and part d irma, do they in fact deduct both...

[Thread merged into here --admin LadyGeek] This is just a reality check. I am starting getting social security benefit payments for my 70th birthday in November of this year's 2022 and have been approved and told I will get my first deduction in December on the 28th because my birthday is late in the month. Fine I don't care about that. Are you serious or call from a person from social security and she told me that my payment amount would be the basic benefit minus the Medicare part b deductible and part B irmaa. That is fine. But she didn't mention and the amount didn't include my part D Irmaa. Can I assume that eventually the social security payment I will receive Ruby gross minus the Part b&d Irmaas or that i forever will be getting...

And believe me, I strongly believe in prenups but it sounds like you're very sensitive to her debt and if it really is bothering you it's going to be yours when you're married one way or another

As the title states, my SO has a significant amount of student loans debt. (Her degree is in Occupational Therapy) Obviously with the recent extensions Biden has given the time table to pay these loans back has been postponed month after month. Her finances are already tight with her paying $1,800 in rent with a roughly $1,250 weekly income.. I try to step in the most that I can to help with food, groceries, shopping, etc. My question is, obviously I'm not the 1st to be in a position like this. I'm 31, NW of over 500k currently and have spreadsheets upon spreadsheets for how I envisioned my FIRE journey to go over the next 20 years. I could use some advice from others who have been in a similar position. I plan to marry this girl in 2 year...

I will side with the nurse navigator here and say most/ all of the posters so far are not using/ understanding the terminology properly. The important question to ask is if the doctor/facility accepts “Medicare assignment”. That means they (or their medical group) signed a contract to accept the price that Medicare determines is fair for your region. (These facilities agree that after the deductible is met (by the patient), Medicare will pay 80% of the price Medicare determines and the Medigap plan pays 20% and they are then fully paid.) Note that I said nothing so far about ”accepting Medicare” . That just means they will take Medicare’s payment, or payment from a relative, or from your neighbor’s dog. They don’t care who pays (they accep...

As others have said, something is wrong here. Once Medicare is taken it is automatically passed on to medigap after the 80% payment. It does not matter who the medigap carrier is as that is regulated by federal law. It will be interesting for us to all learn what you ultimately arrive at after you speak to the appropriate people. I would frankly call my Congress person if I couldn't get them to accept this.

I would still go with G to the last poster. I remember having my fingers crossed because I answered all the questions accurately but I was concerned that they would think I had too many things wrong to let me switch. But they did and you can't believe the costs I racked up this year without a single bill. And nobody has ever asked me to sign a form but if they do it's a form to approve costs not covered. Those I guess you have to be careful about but I've never experienced it.

Don't bother. Just get G and pay the extra few bucks and then everything is covered after the deductible. Everything. You will never see a bill

I remember having this. I just got rid of the darn things and got some other ones that didn't hum. In fact that was my only requirement.

Livesoft, your advice is usually brilliant and I suspect it is here. I have a long time holding also in a state nearly Bond fund with long-term net losses now after many years of net games. Some shares are underwater and some are not. Do you still say to liquidate all of it and then wait 32 days and reinvest the rest? Or would that be different?

Livesoft, your advice is usually brilliant and I suspect it is here. I have a long time holding also in a state nearly Bond fund with long-term net losses now after many years of net games. Some shares are underwater and some are not. Do you still say to liquidate all of it and then wait 32 days and reinvest the rest? Or would that be different?

Livesoft, your advice is usually brilliant and I suspect it is here. I have a long time holding also in a state nearly Bond fund with long-term net losses now after many years of net games. Some shares are underwater and some are not. Do you still say to liquidate all of it and then wait 32 days and reinvest the rest? Or would that be different?

OP here. Follow up. So I filed on July 1st to begin in November and everything seemed fine and it said application was being reviewed. Exactly 2 weeks later I received a call from an unknown number in Washington DC but decided to answer it. She described herself as Mrs x from social security. I asked a few questions to confirm who she was, that only persons who had read my application would know and she knew them. Believe it or not I had checked the box indicating I did not have a bank account for direct deposit. She just wanted to confirm that and I said of course I do and gave the information. She was able to confirm the bank by the routing number but obviously not the account number. She read it back to me and I hopeful and pretty sure t...

I am long on record as being a fierce opponent of any Medicare advantage plan, I don't care how good it is because it can always change. Yes so you save the supplement fee of maybe 200 a month and instead you have to deal with copays and priorior authorizations and potential networks and all sorts of things. With traditional Medicare and a supplement and I have a G, all I pay is the deductible each year and then never get another bill for anything. I don't care if they give you gymss or whatever who needs to deal with that as you get older? Unless you are destitute and $200 a month matters I suggest you just do traditional medicare. I was in a Medicare advantage plan by a prior employer that I was automatically put into and the first day on...

I called flagship today. I asked him to just give the feedback. I used to be able to go to the website and go up and down on a page and see every fund and the various parameters. Now you have to click on bonds or stocks and find your individual fund and then when you click you can only get one of the parameters at a time. I don't know what type of people or reasons they would have for doing this. It has the unintended positive consequences of my never checking values of funds anymore.

Coming from an older man, figure out what a 1% difference makes on your total credit card bill and see if it's worth it having another card.