Search found 522 matches

by LadyIJ
Wed Aug 29, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4244

Re: Bone in my food

DanMahowny wrote:
Wed Aug 29, 2018 1:42 pm
C'mon man, get over yourself.

Why all the drama? It was a bone in the meat.
+1 really!
by LadyIJ
Wed Aug 29, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8733

Re: Ladies: bra shopping question

I also sent you a private message.
by LadyIJ
Sun Aug 12, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1630

Re: Understanding Medicare Options?

call your village or township and ask how to make an appointment with a SHIP (Senior Health Insurance Information Program) representative. I also agree with previous comments on "Medicare for Dummies" the Medicare website - I would read those BEFORE the appointment with the SHIP representative.
by LadyIJ
Wed Aug 01, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental, etc.
Replies: 24
Views: 1584

Re: Medicare supplemental, etc.

I'm a Medicare insurance agent. Call your local SHIP. Everyone has different needs. Don't assume you want Medicare supplement or Medicare Advantage until you research both and understand the pros/cons. Thought I missed the SHIP there for a minute. For those unfamiliar with the term, SHIP stands for...
by LadyIJ
Mon Jul 23, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

Thank you CashMoney, I know and will sign up for Parts A & B soon.
by LadyIJ
Sun Jul 22, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

It is worded "Coverage under the group medical plan will end March 31, 2017" -- also, there is no $183. it's a "integrated INDEMNITY medical option that is secondary to Medicare." So, it's $500 deductible for the year and $50 deductible for drugs. no copays, so it could be likely for one year that ...
by LadyIJ
Sun Jul 22, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

.....that is my main concern, that when I fall off my firm's retirement supplement............... That's the key. Falling off as you put it. It's seems clear enough from reading the Medicare website that you would be eligible for G.I. unquestionably if your retiree supplementary package was termina...
by LadyIJ
Sat Jul 21, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I found this online - memo to National Association of Insurance Carriers: Important Correction needed here. NAIC is not association of insurance "Carriers" It is the National Association of Insurance Commissioners Meaning, this is the rather small & exclusive (51 people, well, actually more when yo...
by LadyIJ
Sat Jul 21, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

As I read the link, I think it says you could enroll in G today at age 65 or later, and still have the option of moving to Plan F at any time (before or after 2020) if you can pass medical questions. Is that correct? But then, that is not "Guaranteed Issue" is it? Guaranteed Issue is no underwritin...
by LadyIJ
Sat Jul 21, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwjJ6pGrmqzcAhWK8YMKHTU9D-8QFggoMAA&url=https%3A%2F%2Fwww.naic.org%2Fdocuments%2Fcmte_b_senior_issues_related_macra_faq_2018.pdf&usg=AOvVaw0NHGMtLvZO3tijBGY7sJEF I guess I'll have to share this information with ...
by LadyIJ
Sat Jul 21, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

Good luck! Only other thing I could think of - since this involves federal matters, it couldn't hurt, and it wouldn't cost you anything, to make a phone call to your Congressman's district office and ask them to assist you. He/she would put their staff on it to research by contacting CMS directly. ...
by LadyIJ
Sat Jul 21, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

....... this is disheartening for all the boomers and older that it is so difficult to get information. Yes. But at least be thankful this person was honest, and candidly admitted they didn't know. What would be more disheartening if these S.H.I.P. people were freely giving out the Wrong Informatio...
by LadyIJ
Fri Jul 20, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I went to SHIP today, and sadly, the person knew less than I do....... That's not good to hear :( Didn't the worker even offer to take the questions to a supervisor? Maybe another branch office/ with someone more experienced? Are you in some little bitty place, far from Chicago or suburbs? I bet th...
by LadyIJ
Fri Jul 20, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I'm trying to decide between F and G now. I thought my insurance agent said I could take G now and still move into F in the future if I decided to make that change (if medical underwriting accepted). My bigger concern is F closing in 2020 to new people. Seems like for the most part the youngest peo...
by LadyIJ
Fri Jul 20, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I went to SHIP today, and sadly, the person knew less than I do. I still believe from my own research, that when Plans C and F are not available as "Guarantee Issue" plans, they will offer Plan G . . .
by LadyIJ
Thu Jul 19, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

If I take my Firm's Medicare supplemental plan (creditable), Firm requires me to sign up for Original Medicare Parts A & B at 65, when my Firm supplement ends in 2022 according to Medicare.gov's website, I would have Guaranteed Issue (GI) to various plans, including Plan F. My supplement ends in 20...
by LadyIJ
Thu Jul 19, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

The Medicare link provided above also says the following: "Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy coverage otherwise ends through no fault of your own. You have the right to buy Medigap Plan A, B, C, F, K, or L that’s sold by any insurance com...
by LadyIJ
Thu Jul 19, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

"You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending. You have the right to buy Medigap Plan A, B, C, F, K, or L that’s sold by any insurance company in your state. If you have COB...
by LadyIJ
Thu Jul 19, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3346

Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I found this online - memo to National Association of Insurance Carriers: 22. What changes are made to Guaranteed Issue requirements? Since two of the current guaranteed issue plans, Plans C and F, will no longer be available for "newly eligible" Medicare Beneficiaries on or after January 1, 2020, P...
by LadyIJ
Thu Jul 19, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

......So if I wait until 4/1/2022, will I still be able to get guaranteed issue on Plan F. I've gotten a few different interpretations. Have you asked your benefits manager at your former firm? If it is a big company with lots of retirees surely this question has come up to them before? Unfortunate...
by LadyIJ
Thu Jul 19, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

"You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending...... Yes, but that is not the scenario that the OP is describing. She does not have Original Medicare (Parts A and B) and will...
by LadyIJ
Thu Jul 19, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Re: Medicare Supplement question re Guarantee Issue

It is not clear what your Firm's medicare supplement plan is and why it would automatically terminate at the end of 2022. Plans C & F will not terminate, rather enrollees who are medicare eligible after 12/31/2019 will not be able to enroll in these plans. My Firms' plan is a comprehensive suppleme...
by LadyIJ
Thu Jul 19, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1253

Medicare Supplement question re Guarantee Issue

If I take my Firm's Medicare supplemental plan (creditable), Firm requires me to sign up for Original Medicare Parts A & B at 65, when my Firm supplement ends in 2022 according to Medicare.gov's website, I would have Guaranteed Issue (GI) to various plans, including Plan F. My supplement ends in 202...
by LadyIJ
Sat Jul 14, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 683

Re: Medicare Plan F and Guaranteed Issue Question

Well, you know what the employer-offered plan costs: 0 But, you are facing that $500 deductible and then co-pays forever (albeit somewhat small it sounds like) With G, you know from the git-go what the damages will be for the year: Part B deductible amount (currently $183) plus your monthly premium...
by LadyIJ
Sat Jul 14, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 683

Re: Medicare Plan F and Guaranteed Issue Question

and the plan they are offering - yes it is $500 deductible, but they can raise it - it's only for three years -- I'm thinking about spending a little more and starting at the $101. It's in Illinois . . . thanks for your input
by LadyIJ
Fri Jul 13, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 683

Re: Medicare Plan F and Guaranteed Issue Question

Thanks, I did - I'm only interested in G, and it makes me wonder if I should pay a bit more now and take the Plan G rather than the uncertainly of what will be offered in 2021, considering they are saying Guaranteed Issue for Plan A, B, C, F, K, or L only, meaning A,B,K and L Guaranteed Issue, will ...
by LadyIJ
Fri Jul 13, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 683

Medicare Plan F and Guaranteed Issue Question

I'm recently retired and when I turn 65 my firm will provide me with a Supplemental Plan, but I must sign up for Medicare Parts A & B. This supplement has no monthly premium, but a $500 deductible and then pay 70% of the unpaid bills (i.e. - 70% of the 20% remaining bill) after meeting the $500 dedu...
by LadyIJ
Sun Jun 10, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2062

Re: Buying CPO Lexus - any advice appreciated

Thanks everyone - I do like the look of black interior, but will probably cave to my husband and get the parchment. I will take everyone's post to heart - I do like a car made in Japan, but can look at the 2015's and also as suggested see prices on the 2018's. Thanks again.
by LadyIJ
Sun Jun 10, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2062

Re: Buying CPO Lexus - any advice appreciated

The Lexus ES is being completely redesigned for 2019. The pictures are already on the internet so you can take a look. Try the Automobile magazine website. I suggest that you wait a little bit since the new ES will cause the value of the previous versions to become lower in price. If you really wan...
by LadyIJ
Sun Jun 10, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2062

Re: Buying CPO Lexus - any advice appreciated

Well, you have characterized what I would do, but then decided that you might not do it: 1. Cast a wider net. 2. Buy a car that was in a minor accident. 3. Start at 20% off and negotiate to 15% off. 4. Accept a different color and features to get the price lower, but in no case buy a car with a bla...
by LadyIJ
Sun Jun 10, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2062

Re: Buying CPO Lexus - any advice appreciated

I would cross shop with an Avalon - practically identical car without the L on the front. Probably half the price. +1 Also, you do not need to get service done at the Lexus dealer. I asked a question on this forum a year ago about finding a good mechanic. One of the responses was the npr website fo...
by LadyIJ
Sun Jun 10, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2062

Buying CPO Lexus - any advice appreciated

I want to buy a 2014 ES350. I have to do the haggling, as my husband is not good at that at all (and will actually fight with me when I haggle - so it's on me). I want to buy at the dealership near us - I know if I get somewhere else they will not do the carwashes (no big deal) but I guess they have...
by LadyIJ
Tue May 08, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25255

Re: most compelling TV character ever

1. Billy Bob Thornton as Billy McBride in Amazon's "Goliath"
2. Robin Weigert as Calamity Jane in "Deadwood"
3. Walt Goggins as Boyd Crowder in "Justified"
by LadyIJ
Tue May 08, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2298

Re: Please confirm Social Security strategy

Yes, born in 1953 - she is grandfathered in. She can collect spousal benefits while her ss continues to grow. Just make sure when you apply in person that the understand it's spousal benefits. I was also born in 1953 and researched. People keep telling me I was wrong, but I went to the experts. You'...
by LadyIJ
Sun Apr 29, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3654

Re: Favors for Family/Friends and Getting Compensated or Not?

I had a friend who kept asking my husband and I for favors she could have had done by paying for such services. When I got fed up and told her we wouldn't be doing these favors anymore, our friendship ended for awhile - now it's extremely strained. They say hindsight is 20/20 - in hindsight, we shou...
by LadyIJ
Sun Apr 22, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 13072

Re: New retirees: so whatdayathink ?

randomizer wrote:
Fri Apr 20, 2018 8:19 pm
I’ve been retired for a few months now, my employer just doesn’t know it yet. :D
lol - I retired a few years before my actual retirement date.
by LadyIJ
Sun Apr 22, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 13072

Re: New retirees: so whatdayathink ?

Retired 1 year. I walk a lot and read a lot and don't use an alarm. I now have medical issues I never had before I was 65 and have time to go to doctors. I walked 4.5 miles each way today today to a cardiologist whom I had to browbeat into a nuclear stress test in a few weeks when I will do the sam...
by LadyIJ
Sat Apr 21, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 18079

Re: anyone else not liking the new cars?

It’s interesting the different perspectives of car space. Must be what one is used to. I’m 6’ and comfortable in almost all cars I’ve ridden in. Really love my GTI. Fits perfect and a blast to drive. But my dad who is an inch taller says it’s easy too small and uncomfortable. It's not how tall you ...
by LadyIJ
Thu Apr 19, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6227

Re: [When is going out to a restaurant worth it to you?]

We almost only eat out with another couple(s)/family occasions. We almost never eat out just the two of us. 1) we like to eat light, and 2) while we can afford it, it's expensive and usually not worth the money. So mostly to fulfill social obligations.
by LadyIJ
Thu Apr 19, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

For what it's worth my father drove until he was 96. He did it effectively. At 91 he had his first accident ever. I hope my track record ends up being as good. Shortly after that, an uncle "selected" a car for him and drove it to the house sharing that it was such a great car he would buy it back i...
by LadyIJ
Wed Apr 18, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

First I want to congratulate your husband for marrying a younger woman. It is paying off. At 80 years old I believe your husband deserves to buy the car he wants and enjoys. So, yes go get the car you think is best for the both of you. Enjoy. OMIGOSH - such a good answer - he does deserve it - toda...
by LadyIJ
Tue Apr 17, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

Although I haven't had a chance yet t read this article, we are only considering Japanese luxury, so that pretty much leaves us to Acura, Lexus or Infiniti! Why only Japanese? Reliability of some german brands are higher than the brands you mentioned. Check Consumer Reports latest reliability ranki...
by LadyIJ
Tue Apr 17, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

FWIW, many school bus drivers in NJ are in their 80s. An 85-year-old in the Princeton area was just cited and dismissed for decades-old sex-crime charges. He would still be driving busloads full of kids around difficult winding roads if not for this issue. So I guess he can still be driving if he s...
by LadyIJ
Tue Apr 17, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

For the Japanese luxury brands you're looking at: The new Infiniti QX50 has gotten very good reviews. I haven't been a fan of Infiniti/Nissan over the past few years, but the QX50 suggests they've woken up. The redesign of the Acura RDX (coming this fall) may also be worth considering. The Lexus NX...
by LadyIJ
Tue Apr 17, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

My Dad, 82, drives a Toyota Avalon and a GMC Sierra pickup truck. Mom hates the pickup truck, loves the Avalon. So I vote +1 to the ES350. OBTW, though I do accept that, as a general rule, our motor skills taper off as we age, individuals vary. My father was named Ambulance Driver of the Year of hi...
by LadyIJ
Tue Apr 17, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

I am in my mid 80s and, fortunately,almost any auto is fine with me. (Although I sold my 1960 MGA two years ago.....getting harder to get out of.) My wife is "only" 78, a kid indeed, but she has some mobility problems and has difficulty getting into my 2010 Ford Edge (I am keeping this one for anot...
by LadyIJ
Tue Apr 17, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

Tell him to act his age. http://www.truecar.com/blog/2010/05/12/top-10-models-for-young-drivers/ Seriously, there are reasons why these cars are more popular with seniors, and googling seem to bring up the Lincoln Town Car as the quintessential favorite. The Lincoln Town car is a TERRIBLE choice. I...
by LadyIJ
Tue Apr 17, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

Tell him to act his age. http://www.truecar.com/blog/2010/05/12/top-10-models-for-young-drivers/ Seriously, there are reasons why these cars are more popular with seniors, and googling seem to bring up the Lincoln Town Car as the quintessential favorite. https://www.thestreet.com/story/11230364/1/1...
by LadyIJ
Tue Apr 17, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

Re: car at 80

Thanks for all the great comments. I will read them over a few times and digest all the good information. Just to clarify, my husband's reflexes are great, maybe even better than mine. He just gets a little forgetful, does a lot of running around. I selfishly want both a safe car for him, but someth...
by LadyIJ
Tue Apr 17, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5212

car at 80

My husband will be 80 this year. He is pretty sharp, but does seem to forget turning his lights off about 3 - 4 times a year. In his defense, he is driving a '98 Pathfinder - hence, no warning that lights are on, and I know at 64 - that warning has saved me more than a couple of times. I posted awhi...