Search found 180 matches

by cashmoney
Tue Dec 11, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Filing a complaint against AmeriHealth
Replies: 7
Views: 545

Re: Filing a complaint against AmeriHealth

May not apply in this case but i would start with the agent who enrolled you to help resolve issue.Usually the agent has a vested interest ( renewals) in keeping a policyholders happy so use that leverage if applicable before you contact the state DOI
by cashmoney
Thu Nov 29, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Finally some price transparency in cost for Medicare procedures
Replies: 12
Views: 1735

Finally some price transparency in cost for Medicare procedures

Pretty cool search feature to get an idea of much procedures actually cost on medicare.Very useful to see the difference in charges between free standing facility charges vs hospital based surgical center especially if you are paying the 20% yourself.

https://www.medicare.gov/procedure-price-lookup/
by cashmoney
Thu Nov 01, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Donut Hole is "Closing" in 2019
Replies: 11
Views: 2346

Re: Medicare Donut Hole is "Closing" in 2019

I haven't seen any discussion of this here and am starting to wonder if we are missing important topics in this forum. (If I'm mistaken and this was already discussed, moderators, please combine this with the other thread(s) I can't find.) We've known since 2010 that the donut hole was going to clo...
by cashmoney
Sun Oct 14, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3346

Re: Formula for when to buy in bulk

Hi All, I have had something annoy me for a while now, and I'm curious if someone knows the answer. Let's assume that I have buy a certain product and that it is offered at various prices per unit depending on how much of it I buy. The choice is then, should I buy more of the product less often or ...
by cashmoney
Thu Oct 11, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2850

Re: TV recommendation for my father

Once the TV is programmed onto the cable remote, there is no need for 2 remotes. The nail polish Is a good idea. The problem my mother had was occasionally pushing the source button and changing the source. And then no picture. And she would assume then that the TV wasn’t working or that the cable ...
by cashmoney
Thu Oct 11, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1888

Re: Buying a pre-owned Lexus IS-250

I am looking to Buy a pre-owned 2015 Lexus IS-250 f-sports for $22k with 60k miles ( new retail price ~$43k) , what are the bogleheads thoughts on this purchase will someone recommend another car in this category at similar price point ? " pre owned " I must say the car industry has done a good job...
by cashmoney
Tue Oct 09, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 56
Views: 6086

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

Ugh!! Where is the definition of "long-term care"??? These "statistics" are meaningless without terms defined and without a further breakdown of which aspects of "long-term care" are accessed. http://www.ache.org/PUBS/1mccall.pdf Having just come off the roller coaster nightmare of hospital, home h...
by cashmoney
Tue Oct 09, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: CIT 1.55% Premier High Yield vs 1.75 % Money market
Replies: 22
Views: 3312

Re: CIT 1.55% Premier High Yield vs 1.75 % Money market

They are back at it. Now the savings account is 2.15 APR and my MM is 1.85. They keep making you have to change from savings to MM and vice versa to get the best rate. I am sick of this hassle and shadiness. Anyone know of a MM/Savings with consistently near the highest APR (like CIT usually is) th...
by cashmoney
Tue Oct 09, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Medicare.gov Part D Drug Plan Accuracy?
Replies: 11
Views: 1137

Re: Medicare.gov Part D Drug Plan Accuracy?

I was using the Medicare Part D comparison site to check on which provider had the lowest annual plan cost. The result was the SilverScript Choice (PDP). This story should have ended there. Except I noticed an issue. One of the drugs in the SilverScript Choice plan was a Tier III Generic Drug. The ...
by cashmoney
Sat Oct 06, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Switching From Medicare Advantage to Traditional Medicare
Replies: 12
Views: 1397

Re: Switching From Medicare Advantage to Traditional Medicare

I’m the original poster with an update. After considerable research, my friend says that United Healthcare will allow him to but a Traditional Medicare supplement for about $200/month. He will have to buy a Part D (Rx plan) as well. He claims that there are only 3 questions that have to be satisfie...
by cashmoney
Fri Oct 05, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2165

Re: AARP UnitedHealthCare Plan G

I am not sure what you are asking. My understanding is that if a med is not in a plan's formulary, the doctor has to get approval to get it covered. I understand. I was surprised that Medicare would approve a medication not in a plan's formulary and that AARP Plan D would pay. I thought the plan's ...
by cashmoney
Fri Oct 05, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2165

Re: AARP UnitedHealthCare Plan G

I have AARP Plan F with is almost Plan G. It covers everything Plan F covers plus there are no copays and no deductible. They have been quite decent, worlds away from UHC running its own non-Medicare plans which I would advise everyone never to sign up for if they have a choice. I pay annually. I d...
by cashmoney
Thu Oct 04, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Still working after age 65, have employer furnished BC/BS Must I sign up for Medicare?
Replies: 7
Views: 778

Re: Still working after age 65, have employer furnished BC/BS Must I sign up for Medicare?

I originally posted this question as part of another thread. It was suggested that I start a new separate thread: I'm going to be 65 in January and have been on Social Security since age 62. I am working and will continue to work (earning $15,000/yr) past age 65 for an employer with more than 20 em...
by cashmoney
Thu Oct 04, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2165

Re: AARP UnitedHealthCare Plan G

It seems that most if not all posters in this thread are praising plan G over Plan F. Any opinions to the contrary and why? Either way you will share the risk pool with the higher utilizers of health care so I dont think there will be much difference in rate stability.Since the F plan will be close...
by cashmoney
Thu Oct 04, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Question
Replies: 11
Views: 1474

Re: Medicare Question

Hello! Here is my mother's predicament that I am hoping you can help me with. My mother is 65 and retired (my father is retiring on October 31st this year). They are currently on Aetna, my father's health insurance plan through his company, but they are going on Medicare after 10/31 when he is full...
by cashmoney
Wed Oct 03, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Signing up for medicare
Replies: 20
Views: 1193

Re: Signing up for medicare

I'm going to be 65 in January and have been on Social Security since age 62. I am working and will continue to work (earning $15,000/yr) past age 65 for an employer with more than 20 employees who furnishes me with a good Blue Cross/Blue Shield plan. After age 65, I would prefer to just stay on BC/...
by cashmoney
Wed Oct 03, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Signing up for medicare
Replies: 20
Views: 1193

Re: Signing up for medicare

I'm going to be 65 in January and have been on Social Security since age 62. I am working and will continue to work (earning $15,000/yr) past age 65 for an employer with more than 20 employees who furnishes me with a good Blue Cross/Blue Shield plan. After age 65, I would prefer to just stay on BC/...
by cashmoney
Wed Oct 03, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Sometimes Medicare Advantage Plans can Increase Physician choice
Replies: 13
Views: 1097

Re: Sometimes Medicare Advantage Plans can Increase Physician choice

I started doing research on traditional Medicare vs. Medicare Advantage by going to a very popular and large active adult retirement community and asking for feedbacks. In my area with lots of retirees, MAs suck. People are forced to change their physicians due to frequent changes in network provid...
by cashmoney
Tue Oct 02, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 27
Views: 3067

Re: switching between AARP Medigap plans

Oh, and I forgot to add, once you get the current list from your state office on what's available and at what cost -- you can stay away from the brokers. You don't need 'em anymore. The sales commissions the various Medigap insurance companies pay brokers vary widely. Really. A lot. Am sure You Get...
by cashmoney
Tue Oct 02, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 27
Views: 3067

Re: switching between AARP Medigap plans

Oh, and I forgot to add, once you get the current list from your state office on what's available and at what cost -- you can stay away from the brokers. You don't need 'em anymore. The sales commissions the various Medigap insurance companies pay brokers vary widely. Really. A lot. Am sure You Get...
by cashmoney
Tue Oct 02, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 27
Views: 3067

Re: switching between AARP Medigap plans

I would also evaluate Medicare Advantage plans. In some areas, the MA "market" is very competitive and can offer significant savings - without compromising the quality of care. However, if you spend a lot of time outside of your Medicare Advantage plan area or if you will be moving once you are on ...
by cashmoney
Sat Sep 29, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15596

Re: Sears, a 125 year old company is now a penny stock.

lostdog wrote:
Sat Sep 29, 2018 4:56 pm
My wife and I were at the mall today and walked through Sears. It was depressing because barely anyone was there and the store looks old and out of date.

Right on it kind of reminds me of walking through JC Penneys
by cashmoney
Tue Sep 25, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Premium/Appeal Question
Replies: 3
Views: 500

Re: Medicare Premium/Appeal Question

I took extra retirement income in 2016, not realizing I was bumping myself into a higher 2018 first Medicare premium. But, since 2016, my income is back down below in the lower premium category. So, if my higher income in 2016 only impacts my 2018 premium, I am not too worried about it, if I get a ...
by cashmoney
Sun Sep 23, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3836

Re: How to get rid of rabbits

I've had a great deal of difficulty keeping rabbits away from my landscape. The Yard looks terrible as a result. Any thoughts about what to use to keep these rabbits away. Not sure but I can tell you this if you see a flock of rabbits in your yard walking backwards in single file what you have is a...
by cashmoney
Sat Sep 22, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1331

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

It's my understanding that each state has a S.H.I.P. program (State Health Insurance Assistance Program) which will help residents of that state find the best Medicare plan (advantage or medigap/supplemental). Google S.H.I.P. for you state's contact information. I haven't used them but people who h...
by cashmoney
Fri Sep 21, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1331

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

One (of many) questions I would ask is about whether unbiased information is provided regarding Medicare Advantage plans. Sounds to me as though he/she may be on commission and have a financial incentive to "sell" the most expensive plan(s). In many cases cases agents will get paid more for selling...
by cashmoney
Fri Sep 21, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 7357

Re: Out of network care

I'm looking at the ACA Kaiser plans in WA. For all out of network care except emergencies, it states "not covered". Does this mean, they pay nothing at all and charges do not count toward deductible? Or does this mean they pay what they want and I am at risk for balance billing? I've never been wit...
by cashmoney
Fri Sep 21, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1331

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

What I am trying to understand - what was this guy doing making his pitch at your law firm? Is there a large no. of the staff at this firm that is approaching Medicare age? My guess is the owners of the firm probably want to get the Medicare eligibles off the Group plan and on to Medicare since it ...
by cashmoney
Fri Sep 21, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Guaranteed access for Medigap policies
Replies: 29
Views: 1836

Re: Guaranteed access for Medigap policies

Not an "actuary" - but the more folks and circumstances are allowed for folks to enroll in medigap plans at older ages, the higher the costs will tend to be for those Medigap plans. Then, the existing folks who enrolled in those Medigap plans at the beginning of their Medicare eligibility will need...
by cashmoney
Fri Sep 21, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1331

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

Yesterday, my law firm had a presentation by a Medicare consultant. This guy is a CFA and a CLTC (Certification in Long-Term Care). He discussed Medicare generally, and answered questions. Based on what I know about Medicare, he seemed very sharp. Basically, he crunches the numbers and advises peop...
by cashmoney
Fri Sep 21, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How to handle huge medicare/medicaid premium increases at age 65?
Replies: 19
Views: 3576

Re: How to handle huge medicare/medicaid premium increases at age 65?

Apply for a Medicare Savings Program.If she makes less than 1012.00 monthly and less than than 7,560 in assets she will qualify for..... That is the problem. OP posted she has around $20,000 or $30,000 in assets now. Relatives are helping her with room and board and living expenses so that sum will...
by cashmoney
Thu Sep 20, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle huge medicare/medicaid premium increases at age 65?
Replies: 19
Views: 3576

Re: How to handle huge medicare/medicaid premium increases at age 65?

My scenario is somewhat similar to a previous post , but with a slightly older parent. Context: Mother immigrated to the United States (long term permanent resident/green card) a few years ago and is currently age 61. She holds more assets than the Medi-cal (CA medicaid) limit of $2,000, but not a ...
by cashmoney
Wed Sep 19, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Medicare - Extrahelp question
Replies: 4
Views: 580

Re: Medicare - Extrahelp question

Hi, My parents are qualified for Medicare - Extra Help. It says they will need to pay minimal for prescription drugs. Does anyone has any idea what about hospital/dental expense? It does not specify anything on the website so wanted to check if anyone has Medicare - Extra Help. Thanks, JR Medicare ...
by cashmoney
Tue Sep 18, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: small group health insurance?
Replies: 2
Views: 259

Re: small group health insurance?

Has anyone had experience choosing and setting up a small group health insurance policy? I am looking into doing that for my 5-employee business and would appreciate any insight. You typically would go through a broker who specializes in such things. http://guides.wsj.com/small-business/hiring-and-...
by cashmoney
Wed Sep 12, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: House eaves color
Replies: 7
Views: 506

Re: House eaves color

Hello, We are in the process of painting the exterior of our home (stucco). Its a light grey color. The trim will be a darker grey. The question is should the soffit (underside of the eave) be painted to match the trim and fascia or the main body color instead? The eaves are wood, home is stucco. I...
by cashmoney
Fri Sep 07, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Recommendations
Replies: 7
Views: 918

Re: Insurance Recommendations

Hey Guys - I need to purchase insurance for renting, an engagement ring and a vehicle. I won't be needing to insure the vehicle for another 6 months so although that isn't really part of the equation right now, I'm curious as to anyone's experience with good bundling options? I have been looking at...
by cashmoney
Wed Sep 05, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a condo by a university
Replies: 11
Views: 1180

Re: Investing in a condo by a university

Dealing with college students would be more of a risk than ordinary renters. Damage, neglect. Motorcycle parts in the living room. Food that turns into biology experiments in the refrigerator. Etc., etc. Ain't that the truth . I know from personal experience from being a college student renter with...
by cashmoney
Tue Sep 04, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Home-spun Weed Killers
Replies: 21
Views: 1638

Re: Home-spun Weed Killers

I just relearned the effectiveness of vinegar and water as weed killer. Years ago, I foolishly dumped the discharge from descaling our coffee maker with vinegar and water on the lawn. Naturally, that killed the grass and created a big bare spot. Recently, I was trying to kill some moss in a walkway...
by cashmoney
Tue Sep 04, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2551

Re: Medicare Open Enrollment Period Coming Soon

..... low but not low enough to qualify for Extra Help for part D or state medicaid there is a very high probability of getting a hospital to do a charity write off after treating you however the pharmacy is not going give you discounts on high cost drugs .Part D plans are subsidized by the governm...
by cashmoney
Mon Sep 03, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2551

Re: Medicare Open Enrollment Period Coming Soon

IMO its better to go without a medicare supplement then without part D because the 20% B charges usually do not amount to much but god forbid you get prescribed a tier 5 drug that can cost 1-10k per month....... Go without a supplement? Well, god forbid you have to be hospitalized. $1,316 Part A ho...
by cashmoney
Mon Sep 03, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2551

Re: Medicare Open Enrollment Period Coming Soon

I'm "lucky." Advantage doesn't really exist in my area. and since I don't take any drugs, my only decision is whether to keep my "cheapest I could find" placeholder as a catastrophic plan or drop Part D entirely and deal with the penalty if I need to get back in. There is no part D plans that are c...
by cashmoney
Sun Sep 02, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1513

Re: Car Painting

Repainting the car will probably actually devalue it rather than increase the value, as any dealer/wholesaler will assume the worst in terms of past damage history. So leaving it look messed up is somehow better? A professional determining the value of the car in a trade-in or auction scenario will...
by cashmoney
Fri Aug 31, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: US Health vs BCBS -- any experience?
Replies: 10
Views: 544

Re: US Health vs BCBS -- any experience?

I'm retired, have Cobra that is expiring, and need health insurance for about 2 years until medicare kicks in. I do not qualify for the subsidy so BCBS via the ACA would cost $2600/mo, or more. I recently learned of insurance outside of the ACA via US Health. I know of a couple of anesthesiologists...
by cashmoney
Thu Aug 30, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3395

Re: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting

I called and got bounced to 4 different people.....I guess I just got lucky yesterday and got the right one right away. The one today was being careful........didn't want to give the wrong answer but wasn't sure of the real answer. Asked first about whether I'd have to pay the G deductible if it ha...
by cashmoney
Wed Aug 29, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1711

Re: How to Sell Antiques?

I grew up selling antiques with my mother and grandmother and I am not saying it is the case here but a lot of folks who aren't familiar with antiques think their stuff is rare and museum quality and it rarely is. I will also say that antiques in general are less popular than they used to be. My mo...
by cashmoney
Sat Aug 25, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Considering opportunity in Melbourne - Florida. Any insight about the area?
Replies: 29
Views: 2454

Re: Considering opportunity in Melbourne - Florida. Any insight about the area?

Currently live in TX, so I’m used to the hot and humid weather. COL seems similar, with no state income tax which is nice. Melbourne seems to be in a pretty good centralized location on the coast about an hour from Orlando and a few hours from the other major cities. Being on the coast also appears...
by cashmoney
Thu Aug 23, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2443

Re: Have a 50K hospital bill reason - too much insurance

Couple of things: I have insurance through where my wife works which we will call WI (wife's insurance) and also through Medicare part A. Stayed at hospital for 16 days late last year. About a month ago I received a call from the hospital asking me if the company where my wife works has over 100 em...
by cashmoney
Tue Aug 21, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1956

Re: Cell phone insurance

I'm considering switching wireless carriers. I plan on upgrading to an iPhone X (I have young kids and use this as my primary camera, and my current phone is several years old). I also pay for 2 additional lines for my parents, who also have newish iPhones (will likely purchase another iPhone X and...
by cashmoney
Sun Aug 19, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Where to stay in St. Augustine?
Replies: 8
Views: 1041

Re: Where to stay in St. Augustine?

Hi all, I'm looking for some leads on where to stay in St. Augustine. My wife and are staying there for a weekend in the fall. I'm looking for something reasonably priced, but worth staying at...as we don't get away by ourselves very often. If it is within walking distance of places would be nice, ...
by cashmoney
Tue Aug 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25902

Re: most compelling TV character ever

bob60014 wrote:
Mon Aug 13, 2018 1:11 pm
Fred Flintstone
Barney Rubble
And the human counterparts
Ralph Kramden
Ed Norton


Fred Flintstone- great actor!