Search found 315 matches

by cashmoney
Mon Oct 07, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5864

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

Wouldn’t this be a small issue compared to whether or not a pricey medication is covered? Yes. And it still makes me angry that you are required to commit for a whole year, but they are only required to stick to the formulary for 60 days. In short, you are buying a pig in a poke. You do not know wh...
by cashmoney
Mon Oct 07, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Company insurance "agent" earning 5% commission
Replies: 9
Views: 1341

Re: Company insurance "agent" earning 5% commission

Good afternoon BH, My company recently switched our health insurance carrier from UHC to BCBS. One of the documents that BCBS sent over was an "Agent Acknowledgement" form. This form shows that our company agent is earning a 5% commission percentage that is included in our insurance rates. We have ...
by cashmoney
Sun Oct 06, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5864

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

Usually it's the " value " plan in a carriers part D lineup that will have the leaner pharmacy network.This is nothing new. Yeah, get that, but no, that's not the issue. Maybe I didn't explain it adequately. The network of individual pharmacies the Plan has picked can vary greatly. What I am saying...
by cashmoney
Sat Oct 05, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5864

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

Here's a new wrinkle I just discovered with researching Medicare Part D plans for next year. Besides disappearing zero-deductible features, higher premiums, formulary changes, et al, the shifty insurers are now fiddling with the pharmacy network status (preferred and standard) Here's what I just co...
by cashmoney
Tue Oct 01, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1638

Re: 1950's blonde mahogany furniture

found this when i searched "blonde mahogany" :shock: https://www.1stdibs.com/furniture/storage-case-pieces/commodes-chests-of-drawers/gorgeous-rway-six-drawer-chest-blonde-mahogany-birds-eye-maple/id-f_843725/ Take the 1stdib price and divide by 10 for a somewhat realistic sales price by average pe...
by cashmoney
Tue Sep 17, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Change the start date of Medicare Part B enrollment?
Replies: 8
Views: 561

Re: Change the start date of Medicare Part B enrollment?

Basically you would be terminating/canceling your part B then when you are ready to enroll use form https://www.cms.gov/Medicare/CMS-Forms/CMS-Forms/Downloads/CMS-L564E.pdf to get a special enrollment in to part B that coordinates with the end of your EGHP coverage.You can apply 3 months out with a...
by cashmoney
Tue Sep 17, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Change the start date of Medicare Part B enrollment?
Replies: 8
Views: 561

Re: Change the start date of Medicare Part B enrollment?

Employer insurance will last longer than expected, is there a way to delay/change the start date of Part B when it has not been active yet? Don't see this discussed anywhere. Basically you would be terminating/canceling your part B then when you are ready to enroll use form https://www.cms.gov/Medi...
by cashmoney
Sun Sep 15, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Senior fell in major store
Replies: 25
Views: 3180

Re: Senior fell in major store

Sept 15 I fell inside a nationwide store about 24 hours ago, doing bodily damage. I did report it, but I also hope rest will take care of injured parts, said that at least twice. No medical assistance was called, but I was unable to continue shopping. They helped get a couple of things for me. I ca...
by cashmoney
Sat Sep 14, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3216

Re: What dish soap do you use?

When I was growing up, I'd help my mom with the dishes. With 1-2 drops of Palmolive, soap suds galore and we were good for 15-20 mins of scrubbing. I know a few years back there was some chemical change, but I'm very disappointed with how dish soap works nowadays. I use a small pump at home and pum...
by cashmoney
Tue Sep 10, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5909

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Went in to BoA to cash a check written out in my name – the check was drawn on BoA. I am not a BoA customer. After providing several forms of ID, was requested to put (in ink) a fingerprint on the check, before they would cash it out. I was blown away by this request, said no thank you and drove to...
by cashmoney
Thu Aug 29, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

I don't need an advisor to buy Vanguard funds and I don't need a broker to buy insurance. You don't seem to get the point that these are not equivalent. Home, auto, disability and term life insurance agents do not change the premiums you pay for policies. You don't know what you don't know. A good ...
by cashmoney
Wed Aug 28, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

I don't fully understand it all. :oops: Insurance companies are like financial "advisors", they don't want you to understand. Just trust them. :wink: The insurance companies don't make the rules about how part D plans are structured - CMS does. If you enroll in part D plan via an agent they most ce...
by cashmoney
Tue Aug 27, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

Our part D plan is with Aetna. We have had other part D plans in the past. Frankly we have found no significant correlation between our experience with customer service & the star ratings reported by Medicare. When we pick a plan, we go to the plan's web site and see how our meds are covered. Then ...
by cashmoney
Tue Aug 27, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

Thank you all for your advice. However, I am still looking for input on quality of service from Part D providers. I am currently seeing 6 different doctors (7 starting next week). When my primary doctor prescribes 1 med, it seems whatever side effect the drug has (dizziness, rash, loss of appetite)...
by cashmoney
Mon Aug 26, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

What is difficult for the OP is that he is being prescribed several new (to him) drugs each year as well as drugs that have been recently released, if I am understanding correctly. I don't see any way to compensate for the recently released drugs since the insurance carriers hadn't known about them...
by cashmoney
Mon Aug 26, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

We have entered my meds into the Medicare Part D pricing tool. For the past couple of years, I have dealt with major health issues. We can deal with the drug costs as long as we know what to expect. What stresses us out is dealing with difficult or unresponsive insurance companies. For us, the phar...
by cashmoney
Sun Aug 25, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

I am looking for honest feedback on the quality of service of your PartD provider, Based solely on quality of service (and cost was not a factor), would you use your Part D provider and recommend them? I found all insurance providers are difficult if one does not follow the plan exactly. They all l...
by cashmoney
Sat Aug 24, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4545

Re: Medicare Part D Plan - Input Needed

Our part D plan is with Aetna. We have had other part D plans in the past. Frankly we have found no significant correlation between our experience with customer service & the star ratings reported by Medicare. When we pick a plan, we go to the plan's web site and see how our meds are covered. Then ...
by cashmoney
Wed Aug 21, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is window for buying supplemental Medicare insurance? Friend may have cancer.
Replies: 9
Views: 707

Re: What is window for buying supplemental Medicare insurance? Friend may have cancer.

I think she turned 65 and started Medicare last October, so it looks like she had a once in a lifetime chance to purchase insurance without medical screening and that window closed in April. I was afraid of that. Some states have different rules for open enrolment, be sure to look to see if the sta...
by cashmoney
Wed Aug 21, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is window for buying supplemental Medicare insurance? Friend may have cancer.
Replies: 9
Views: 707

Re: What is window for buying supplemental Medicare insurance? Friend may have cancer.

I have a 65 year old friend who is retired and has corporate retiree (United) insurance to supplement her Medicare. She does not know what coverage she really has or if there is an out of pocket maximum with her United Healthcare insurance. She got a routine test back that is now going to lead to m...
by cashmoney
Thu Aug 15, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 10910

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

What happens to the people with policies from GE if they declare bankruptcy, especially those that are actively making claims? Any chance they would end up getting bailed out a la GM? Most likely be taking over by state's guaranty association and claims would be paid out to at least each state set ...
by cashmoney
Wed Aug 14, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Filing Complaint with Medicare on Unethical Part D insurer
Replies: 12
Views: 1301

Re: Filing Complaint with Medicare on Unethical Part D insurer

I am not sure but if there is a yearly out of pocket maximum it may be less beneficial to pay the cash price if it does not count to an OOP max that you'd hit anyways No MOOP on part D.There is however a concern that you could exhaust their Initial coverage of 3820.00 putting you in the gap so anot...
by cashmoney
Tue Aug 13, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Complaint with Medicare on Unethical Part D insurer
Replies: 12
Views: 1301

Re: Filing Complaint with Medicare on Unethical Part D insurer

Filed my first-ever complaint with Medicare. On my Part D plan (SilverScript). Medicare does make it very easy, file online, limited to 1,500 characters, but that seems adequate. Am wondering if anyone else here has had any success with this (?) My beef - Oncology doc prescribes Lidocaine/Prilocain...
by cashmoney
Sat Aug 10, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I buy a Medicaid SPIA without a lawyer?
Replies: 10
Views: 1238

Re: Why can't I buy a Medicaid SPIA without a lawyer?

Because of conflict of interest reasons the attorney is rarely a licensed agent so it is ilegal for them to even split a commission with a licensed agent.The relationship they with insurance agent is professional referral based which is not a bad thing necessarily but it could effect the attorneys ...
by cashmoney
Sat Aug 10, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I buy a Medicaid SPIA without a lawyer?
Replies: 10
Views: 1238

Re: Why can't I buy a Medicaid SPIA without a lawyer?

Thank you Cashmoney for your reply. Yes, I do mean a Medicare-compliant annuity. As a born skeptic, I can't help but wonder who gets a cut off the sale of this product. I can see where the insurance agent gets his commission, but does the attorney get a slice too? (I mean besides the hourly rate he...
by cashmoney
Sat Aug 10, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Why can't I buy a Medicaid SPIA without a lawyer?
Replies: 10
Views: 1238

Re: Why can't I buy a Medicaid SPIA without a lawyer?

I can buy a no-load fund from Vanguard... why can't I buy a Medicare-compliant annuity without having to pay the lawyer's sales commission? Doesn't any investment co. offer this product direct without a load? It seems that as long as each state's requirements are met as to term, beneficiary, etc. i...
by cashmoney
Sat Aug 10, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Verizon Network Extender
Replies: 13
Views: 664

Re: Verizon Network Extender

I had that problem with Sprint. Couldn't make calls from my house sometimes. Incoming calls would not ring but go to voicemail. I threatened to leave and they had the network extender at my front door 2 days later, free of charge. Connected to my internet very easy and works great. Verizon sent me ...
by cashmoney
Fri Aug 09, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9618

Re: Critique my exercise routine because it's not working for me

I've been doing the following exercise routine for about 9 months now with only minor progress (i.e., loss of belly). Specifically, I am not looking for weighing less on the scale but the "pants test" - my pants should feel looser. Day 1 - 40 mins of cardio (some combo of treadmill/elliptical, but ...
by cashmoney
Sat Aug 03, 2019 12:01 pm
Forum: Personal Investments
Topic: Best CD Rates?
Replies: 20
Views: 3813

Re: Best CD Rates?

bankrate.com or depositaccounts.com will offer you all the current rate info you could ever want on retail CDs. When using Bankrate be careful because they will steer you to the banks they get paid for links too.You have to change filter to see all banks they have loaded in database.IMHO www.deposi...
by cashmoney
Wed Jul 31, 2019 7:12 pm
Forum: Personal Investments
Topic: Father investing with Edward Jones
Replies: 43
Views: 4686

Re: Father investing with Edward Jones

What I would do... Watch The Retirement Gamble on PBS with him. https://www.pbs.org/wgbh/frontline/film/retirement-gamble/ If he’s up for the idea of switching to Vanguard and their low fee index funds... transfer in kind to Vanguard and transition to an age appropriate stock/bond mix of the three ...
by cashmoney
Tue Jul 30, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: The Quality of a Retirement with no Retirement Savings
Replies: 30
Views: 3084

Re: The Quality of a Retirement with no Retirement Savings

According to the Social Security Administration, 21% of married couples and 44% of single seniors get more than 90% of their income from SS benefits. So your relative will have lots of company. My MiL has relied on $1k of monthly SS benefits for the last 14 years. Having a small nest egg to draw up...
by cashmoney
Tue Jul 23, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help Chosing a New Health Plan
Replies: 10
Views: 785

Re: Help Chosing a New Health Plan

Hi everyone, my family (3 people) has been fortunate that we haven't had to change health insurance plans at work for almost 10 years. We've also had a very generous plan during this time (no monthly premium, $5 co-pays for everything, no referrals needed, but no HSA option). With one of us just re...
by cashmoney
Tue Jul 23, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 4077

Re: What companies provide the best customer service

1-800-contacts- good telephone support to price match.Easy free returns

Discount Tire- employees are always polite and they do not up sell anything.Will price match

Fidelity
by cashmoney
Tue Jul 23, 2019 3:29 pm
Forum: Personal Investments
Topic: Self Funding Ideas for Long Term Insurance
Replies: 30
Views: 1848

Re: Self Funding Ideas for Long Term Insurance

Thank you to everyone for your posts/ideas! delamer - interesting idea about holding the insurance until age 65 Watty - Our house is paid off, and I know it could be a source of income as a last resort, however were do you live afterwards? I never counted our house as part of our investments. It's ...
by cashmoney
Sun Jul 21, 2019 11:28 am
Forum: Personal Investments
Topic: Taxable vs. Tax Deferred Fundamental Concept
Replies: 21
Views: 2118

Re: Taxable vs. Tax Deferred Fundamental Concept

Help me find my error in thinking please... When I withdraw from my tIRA (TSP in this case), I pay my marginal tax rate on anything that comes out. If correct, then Long Term Capital Gains don't seem to factor into that part of the portfolio at all even if there is mostly equities in it. And what I...
by cashmoney
Sat Jul 20, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 50
Views: 4042

Re: How to get rid of a piano?

How do people get rid of a large, old piano? We have a Monarch player piano made in the 1920s. This thing weighs about 600 lbs. It works but is out of tune and the player part doesn't function. It hasn't been used for years and takes up too much space in the living room. It may be worth a few hundr...
by cashmoney
Mon Jul 15, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 10178

Re: Medigap vs Advantage: Which did you select?

".... Within states, Medicare Advantage penetration varies across counties. For example, in Florida, 66 percent of all beneficiaries living in Miami-Dade County are enrolled in Medicare Advantage plans whereas only 10 percent of beneficiaries living in Monroe County (Key West) do so. .................
by cashmoney
Sat Jul 13, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2752

Re: Want a 2 in 1 laptop

What do BHers recommend? I was looking at the MS Surface Book 2, MS Surface Pro 6, and Lenovo Thinkpad X1 Yoga Gen 4. Would like to use this in my lap on the couch. I have X1 Yoga Gen 2 14" and I use it on my lap sometimes.Even though it is very light for a laptop and keyboard is off in this positi...
by cashmoney
Sat Jul 13, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare did not approve the charge
Replies: 31
Views: 1949

Re: Medicare did not approve the charge

It is my understanding that all Medigap policies will only cover services covered by Medicare. I am puzzled by your mentioning "in network" - since there is not a Original medicare or Medigap "network" - just whether or not the Physicians accept medicare (in one ow two ways). I would drill down int...
by cashmoney
Sat Jul 13, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare did not approve the charge
Replies: 31
Views: 1949

Re: Medicare did not approve the charge

My mother was recently treated at a hospital and just received a bill from a provider after insurance denied payment. I"m trying to figure out how to proceed. She has Medicare and a Medigap plan. Her Medigap insurer EOB: "Your Plan did not pay a benefit for this service because Medicare did not app...
by cashmoney
Sat Jul 13, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 10178

Re: Medigap vs Advantage: Which did you select?

I'd prefer not to risk being subjected to medical underwriting if I were to initially opt for an Advantage Plan here and then end up in a state with sub-par Advantage networks AND then want to go back to a supplement policy instead. This deserves an attention. When you try to move from an MA to an ...
by cashmoney
Fri Jul 12, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4670

Re: Another NFCU CD deal

If the rules are still the same as they were back then, your wife´s brother would have to become a NFCU member in order to qualify for your wife to join. Being a relative of a member was enough. Being a relative of veteran was not enough unless aforesaid veteran was also a NFCU member. Not sure if ...
by cashmoney
Thu Jul 11, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4670

Re: Another NFCU CD deal [Navy Federal Credit Union]

Would not mind getting in on this, but with the stringent membership requirements (I'm not military), and the fact that it's not that much higher a rate than my existing CUs, will probably pass. Easy win for those who already have membership tho I don't think they are that stringent. I called them ...
by cashmoney
Thu Jul 11, 2019 5:31 pm
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4756

Re: How do most advisors produce client returns?

Is it common practice for financial advisors to increase the risk profile to compete with an index portfolio Absolutely not, nor do they need to. Here's how I'd imagine the conversation going: Client - "Why isn't my portfolio beating the S&P 500 index?" Advisor - "The S&P 500 index is 100% stocks. ...
by cashmoney
Wed Jul 10, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324203

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Looks like Merrill's got the elevated transfer bonus levels again: https://www.merrilledge.com/offers/1000offer I'm thinking of moving my Roth IRA from Fidelity to Merrill to get the higher bonus. Question: Where is the bonus deposited? Directly in the Roth IRA? Is it treated as a contribution? Loo...
by cashmoney
Wed Jul 10, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324203

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Looks like Merrill's got the elevated transfer bonus levels again: https://www.merrilledge.com/offers/1000offer I'm thinking of moving my Roth IRA from Fidelity to Merrill to get the higher bonus. Question: Where is the bonus deposited? Directly in the Roth IRA? Is it treated as a contribution? Loo...
by cashmoney
Tue Jul 02, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 171
Views: 12549

Re: Long term care insurance excessive price increase -upset!

I get your point, but it's important to keep in mind that, on average, you would do better with no insurance at all. The purpose of insurance is to minimize your risk of financial catastrophe. Now whether LTC insurance does that well is certainly up for debate, IMO. It seems to me that unless you'r...
by cashmoney
Sat Jun 29, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Plan D - you paid, other payments
Replies: 3
Views: 724

Re: Plan D - you paid, other payments

That 5111.09 is accounting for the True Out of Pocket. They are counting what you paid,UHC paid and what the drug makers pay towards the brand name drugs when you are in the gap.
by cashmoney
Mon Jun 24, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 26
Views: 2605

Re: Dollar General

While I don't hold single stocks and haven't held them for more than 10 years, I'm interested in Dollar General stock. You always hear, "invest in what you know." While, I sorta agree with that, I'm sure plenty of people think they know, but don't. In my area of the world, there are a ton of small ...
by cashmoney
Sat Jun 22, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 68 - How Long Will it Take Me to Get Medicare?
Replies: 11
Views: 3096

Re: I'm 68 - How Long Will it Take Me to Get Medicare?

I'm 68, still working part-time, still covered by my employers HSA, so neither my wife nor I have Medicare. But, the day is drawing near that I will stop contributing to the HSA, at which point we'll switch to Medicare. It may be in 22 months when I turn 70 and start social security (which will res...