Search found 2772 matches

by drawpoker
Mon Dec 16, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

.....Case in point: Chicagoland, IL......seemed every carrier required underwriting .... when talking with a local insurance agent I found BCBS in IL does not ! ......Of course, things vary state-to-state and year-to-year so your mileage may vary. Underwriting among the various Baby Blues does vary...
by drawpoker
Mon Dec 16, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

[*]One should also look at the numbers from a "worst case" scenario loss point of view But isn't that exactly the way one should view buying any type of insurance? Insuring yourself (and your assets) against the worst case? You insure your house, pay premiums. Because if your house burns to the gro...
by drawpoker
Mon Dec 16, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

Correct, there are three distinct methods to sell Medigap plans - attained age (most common) issue-age (best buy) and community rated (AARP most all over the country) The OP seemed to be taking the charts for G Plan for ages 65 and 75 and trying to extropolate from that a projection of what Plan G w...
by drawpoker
Sun Dec 15, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7280

Re: "Safer" places for Spanish immersion experience?

.......relative's husband is from Venezuela which is a "challenging" country for many reasons right now. .......economy is a disaster from what I have read. Bad times for sure. But at least they were able to send a Miss Venezuela to compete in the Miss Universe pageant this month. Also, one of the ...
by drawpoker
Sun Dec 15, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

Comparing the current rate schedules, BCBS, G is $1300 for a 65yo and $3000 for a 75yo. G Prime is $490 and $580. It seems odd to me that the percentage increase of G is so much more...... Think you are misinterpreting the age tables here. That rate that is shown for the 75-year old does not repres...
by drawpoker
Sat Dec 14, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Huge electricity usage spike
Replies: 64
Views: 4381

Re: Huge electricity usage spike (resolved)

......Thermostat replaced, hopefully problem fixed. He is going to monitor the kWh usage to make sure. Thanks for all the suggestions. Aha, so same problem as mine. Is the brand of thermostat Bryant, by any chance? That was what mine was, and, since it was still under warranty, the HVAC guy had to ...
by drawpoker
Sat Dec 14, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Huge electricity usage spike
Replies: 64
Views: 4381

Re: Huge electricity usage spike

TomatoTomahto wrote:
Fri Dec 13, 2019 8:38 am
What kind of hot water heater is being used?
The redundant kind. :P (Sorry, just couldn't resist)
by drawpoker
Sat Dec 14, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

tm3 wrote:
Sat Dec 14, 2019 11:43 am

It seems odd to me that the percentage increase of G is so much more, and also that relatively few companies offer G Prime compared to G.
Give them time. Remember, HD-G (or Prime as it being called) is brand new, roll-out in January.
by drawpoker
Sat Dec 14, 2019 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

It is not theory it is MACRA law and regulations. You can say it is not possible all you want, but CMS disagrees with you. Who do you think is right. Here is a direct quote from Model 651 Medicare Regulations "High Deductible Plan G is the same as the High Deductible Plan F except that where annual...
by drawpoker
Fri Dec 13, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

....have your stroke in early December, you spend at least three days inpatient, you are discharged to rehab in an SNF on Dec 11. You have an issue on Dec 28 such that the supervising doc is called in to evaluate you. By January 1, you have run out of free days, but the doc is not required to visit...
by drawpoker
Fri Dec 13, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

Number of free days depends on whether rehab is in a Skilled Nursing Facility or in a specialized rehab facility, but my understanding from folks who work in Skilled Nursing Facilities is that it is easy for patients to languish without physician attention for long periods of time. Sure, that is mo...
by drawpoker
Fri Dec 13, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

.....have your three days as inpatient in the prior calendar year before they stuff you into an ambulance shortly before midnight on New Yearś Eve to go to rehab. You then spend the next 90 days there. Days 60 through 90 get billed at coinsurance rates that could max out your high deductible Mediga...
by drawpoker
Fri Dec 13, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

How about: you have a stroke towards the end of one calendar year and are treated in the ER and have a ton of Part B stuff, possibly including ¨Observation Days.¨ The docs determine you should be admitted to a ¨Rehab Facility¨ and they send you off in an ambulance to that facility where you languis...
by drawpoker
Fri Dec 13, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

You can speculate all you want. Under the legislation it doesn't matter if is likely to happen, only that the possibility it could happen. What legislation? Doing away with first-dollar coverage in Medicare plans? What does that have to do with it? Sorry, am just not getting the basics for your the...
by drawpoker
Fri Dec 13, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11187

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

AlphaLess wrote:
Fri Dec 13, 2019 9:06 pm
What is the purpose of this thread?

Without an objective, this is not actionable.
Purpose is to share knowledge of how to enjoy life without overspending. What can be more BH than that?

Actionable? Maybe if you don't act on any of the suggestions, well, yeah, not actionable for U :happy
by drawpoker
Fri Dec 13, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11187

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

Unfortunately, entry at many zoos is getting pretty pricey. I have long had a membership at my local zoo, but the free entry at partner zoos is no longer available. The National Zoo in DC is still free; every Wednesday is free admission day at the Bronx zoo. And lots of the good zoos have sr. citiz...
by drawpoker
Fri Dec 13, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11187

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

I didn't see the zoo on the list.

That is what I miss most about living here in the boondocks. :( :( Not any close by.
by drawpoker
Fri Dec 13, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

Chemo, and other drugs administered in a doctor's office, come under Part B Medicare.

The regular prescriptions you get at a drugstore come under Part D. So you need to either buy a separate Part D plan, or join MA and get your coverage for that within your MA.
by drawpoker
Fri Dec 13, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7280

Re: "Safer" places for Spanish immersion experience?

Maywood, California. Take the Slauson cut-off.
by drawpoker
Fri Dec 13, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

..In most cases you are going to pay the Part B deductible before reaching the plan deductible. However, the possibility exists that you could exceed the plan deductible with non-Part B medical expenses (Multiple Part A deductibles, Part A coinsurance, Skilled Nursing Facility Care Coinsurance, etc...
by drawpoker
Fri Dec 13, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

.....Our local hospital is still affiliated with UMMS. I think UM Baltimore is still the place you want to be for a real serious cardiac problem...... Same here, but our sole remaining cardiologist (the other defected to AA) has his patients flown out to Washington Hospital Center, not UM, if they ...
by drawpoker
Fri Dec 13, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

Many areas of Maryland are in the Kaiser service areas (Washington DC suburbs and in the Baltimore area).... Except that is not "many areas", is it? It is just two, Wash suburbs and Baltimore area. Where the majority of population is concentrated. That leaves out western Maryland, southern Maryland...
by drawpoker
Fri Dec 13, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

Same here. I'm a bit north of you on the peninsula. U of MD dabbled briefly with a MA plan but pulled out. ..... Yes, that jogs my memory. After Johns Hopkins gave up the ship UMMS stepped in, gave it a try, then threw up their hands too. btw, thought you were in Talbot county (?) With the rest of ...
by drawpoker
Fri Dec 13, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

......I'd be interested if anyone has more details. Looks like Lasso's hook is for Region 1, since the deposit amount spent counts toward the deductible, they say that leaves the beneficiary with a max. yearly OOP of $4,160. Not too shabby, as that amount is a lot less than most M.A. plans OOP max.
by drawpoker
Fri Dec 13, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

dm200 wrote:
Fri Dec 13, 2019 3:22 pm

Yes - that seems very unusual.
Speaking of unusual, did you ever open and read your mail..... :wink:
by drawpoker
Fri Dec 13, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

On a slightly related topic, are "Medicare Savings Accounts" (and plans that support them) a reality? I've seen some mentions of them, even on medicare.gov, but I've seen very few actual plans listed. One article I saw said there were only 5000 enrolled in this nationwide. I'd be interested if anyo...
by drawpoker
Fri Dec 13, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2519

Re: Medicare: G vs G Prime

supplement either G or G Prime. G: $1200 annual premium, $200 deductible G Prime: $400 annual premium, $2300 deductible Where is the name "G Prime" coming from? Isn't this the High-Deduct-G supplement plan? The new one that starts in January to replace the High-Deduct F? (Since HD-F can no longer b...
by drawpoker
Fri Dec 13, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

To add to the overall confusion - in some areas apparently the new HD-G supplement that starts next month is being referred to as as "G Prime". The description (as posted in another Medicare thread) sounds exactly like High-Deduct G. Not sure if an insurer has conferred this name, or something else ...
by drawpoker
Fri Dec 13, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: Huge electricity usage spike
Replies: 64
Views: 4381

Re: Huge electricity usage spike

Dude2 wrote:
Thu Dec 12, 2019 11:43 pm
.....(electric resistive) heat is on, it should be noticeable. The air will dry out considerably, possibly causing respiratory distress.
The respiratory distress is mild compared to the distress on the pocketbook.... :x :annoyed :twisted: :( :oops:
by drawpoker
Thu Dec 12, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Huge electricity usage spike
Replies: 64
Views: 4381

Re: Huge electricity usage spike

Some thermostats will display a light when the strips come on. Others, no light, just a LED message like "aux" will show up in the window. Either way, it would be nearly impossible for anyone (as long as they are home) not to realize the heat strips have kicked in. That wonderful, cozy, nice warmy h...
by drawpoker
Thu Dec 12, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 70
Views: 15935

Re: Just answered telephone political poll. Now concerned.

In my state it isn't require to provide a phone number when registering to vote. So logically if you provide one, you have enabled a new source of junk calls who know your name, address, and age :oops:. Funny, my circle was just discussing this very thing not long ago. Came up this way: Everyone ad...
by drawpoker
Thu Dec 12, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Check Cashing Business
Replies: 40
Views: 2375

Re: Check Cashing Business

I think it's a great idea. But you'll want to add a gentleman's club, a liquor store, and a legal dispensary to diversify your portfolio. And don't forget some sort of gambling establishment. That would be the core position. :happy To be well-diversified you would want to include a bail bonds busin...
by drawpoker
Thu Dec 12, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Heat pump replacement
Replies: 1
Views: 291

Re: Heat pump replacement

I went through this myself in 2006. Salesman insisted the new model could not use the existing line going from outside unit into the house. Had to bust another hole in side of house and run in new line. (Original unit and install dated back to 1979) Fortunately, on the other side of the wall where t...
by drawpoker
Thu Dec 12, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sell company stock and pay off home mortgage?
Replies: 46
Views: 2245

Re: Sell company stock and pay off home mortgage?

A car is considered a depreciating asset, a home is not. The extent to which a car depreciates or a house appreciates is not affected by how quickly one pays down a loan, so that is irrelevant. Prices will do what they do. The interest rate is the only thing that matters. Irrelevant? Net worth is w...
by drawpoker
Thu Dec 12, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Sell company stock and pay off home mortgage?
Replies: 46
Views: 2245

Re: Sell company stock and pay off home mortgage?

For some reason if someone here has a $10K Car Loan at 1% everyone seems to say "Pay it off - you don't want to pay that interest" - but if someone is paying 4% on $100,000 its okay because its a mortgage. Money is Money. $12,000 is still $12,000. A car is considered a depreciating asset, a home is...
by drawpoker
Thu Dec 12, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Sell company stock and pay off home mortgage?
Replies: 46
Views: 2245

Re: Sell company stock and pay off home mortgage?

For some reason if someone here has a $10K Car Loan at 1% everyone seems to say "Pay it off - you don't want to pay that interest" - but if someone is paying 4% on $100,000 its okay because its a mortgage. Money is Money. $12,000 is still $12,000. A car is considered a depreciating asset, a home is...
by drawpoker
Thu Dec 12, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on my parent's reverse mortgage home and getting them out
Replies: 22
Views: 2495

Re: Thoughts on my parent's reverse mortgage home and getting them out

.....just purchasing out the loan and having my father transfer the home title to me and brother................... You seem to indicate you will put up the entire amount to pay off the reverse mortgage loan ($162,000). Nothing was mentioned about how much the brother will contribute, yet you say y...
by drawpoker
Wed Dec 11, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Most estates don't go through probate [*]
Replies: 39
Views: 4949

Re: Most estates don't go through probate [*]

...slightly more complex if we die together, though.... Yup, you just hit on it. That is exactly the kind of thing lawyers will warn you about, hence, importance of having a will. As far as Maryland believing in the naked truth in these matters, it's even worse. The legal notices in the paper re th...
by drawpoker
Wed Dec 11, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: RMD in 1st year it is required
Replies: 22
Views: 2091

Re: RMD in 1st year it is required

MathIsMyWayr wrote:
Wed Dec 11, 2019 11:09 pm
....invested all of IRA in a start-up and lost all. You have zero balance in your IRA. How do you come up with an RMD if IRA money is all gone?
I imagine the IRS would take the position you owe the money, so you would have to cough it up from other sources (?)
by drawpoker
Wed Dec 11, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Most estates don't go through probate [*]
Replies: 39
Views: 4949

Re: Most estates don't go through probate [*]

Wouldn't an intestate estate go through probate, regardless of the actual assets? It seems like that would drive the numbers up. Here (Maryland) the state apparently doesn't permit the nicer-sounding, more genteel phrasing. That so-and-so died intestate. No, the legal notices published in local pap...
by drawpoker
Wed Dec 11, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How does billpay's ACH work?
Replies: 25
Views: 1476

Re: How does billpay's ACH work?

Although I can view copy of the check after it has been cashed and gets back to my bank - I can't eyeball the mailing envelope it went out in. When the post office lost one of these checks last August (still haven't found it tho she initiated the search request :shock:) for my pet sitter - she was a...
by drawpoker
Wed Dec 11, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How does billpay's ACH work?
Replies: 25
Views: 1476

Re: How does billpay's ACH work?

.... understand what you are saying. Unfortunately, these are recurring but non identical payments - some month more some month less. ...... Okay, but that still shouldn't make any difference in the way the money goes out. It should be consistent, either paper checks or ACH (electronic transfer) I ...
by drawpoker
Wed Dec 11, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

For anyone who has their heart set on a M.A. plan, yes, it is probably best to try and line up all ducks in order as soon as you can. Unlike with applying for a Medigap policy, an M.A. plan can turn people down. Not underwriting, but they can say their enrollment is full presently, and are not acce...
by drawpoker
Wed Dec 11, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How does billpay's ACH work?
Replies: 25
Views: 1476

Re: How does billpay's ACH work?

The payments go out sometimes as an actual check and sometimes as ACH, randomly with no set pattern. That doesn't sound right to me. The payments should go out the same way consistently. Maybe they started out as old-fashioned paper checks. Many very small entities are not within the data base the ...
by drawpoker
Wed Dec 11, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

I meant 2 months before turning 65 is more than adequate for applying. But, I guess for worrywarts, the 3 month choice is there. As far as Medicare Advantage - think your real point of applying as early as possible - For anyone who has their heart set on a M.A. plan, yes, it is probably best to try ...
by drawpoker
Wed Dec 11, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage=Leaving Medicare?
Replies: 70
Views: 3734

Re: Medicare Advantage=Leaving Medicare?

However I just realized that while elderly mom's window just closed for the year (without underwriting), since cousin turned 65 in August 2019 she is still within the 6-month initial enrollment period during which she can purchase Medigap insurance. That might be an option for her--I was focused on...
by drawpoker
Tue Dec 10, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: Navy Fed (NFCU) CD Special 3% - 37mos
Replies: 19
Views: 3082

Re: Navy Fed (NFCU) CD Special 3% - 37mos

I'm a bit confused here.

Why would anyone fund an IRA, either traditional or Roth, within a bank or CU Certificate of Deposit?

Are you already a senior citizen? Extremely risk-averse? Please explain :?
by drawpoker
Tue Dec 10, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: $1.05 fee for changing my address?
Replies: 23
Views: 3636

Re: $1.05 fee for changing my address?

On a similar topic, you can’t submit a mail hold anymore by just filling out a web form. You now have to create a USPS account. Always thought the prior method was ripe for pranking. Never submit a mail hold. If you are going on vacation. Never. Get your neighbors or friends to take in the mail. US...
by drawpoker
Tue Dec 10, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retired recently and buying your own insurance? How bad is it?
Replies: 54
Views: 5625

Re: Retired recently and buying your own insurance? How bad is it?

Friends w/ substantial assets took out a home equity line of credit and lived on that plus other, misc income to keep within the ACA subsidy limits - believe 400% of federal poverty level for two person household. Might not work in NYC or Bay Area and/or for high rollers, but allowed them to keep p...
by drawpoker
Tue Dec 10, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: What Metrics do you use to Monitor the Health of your Retirement Plan?
Replies: 31
Views: 2222

Re: What Metrics do you use to Monitor the Health of your Retirement Plan?

........ wife and daughter :D . The goal is the discussion and how we think it through.....decided to buy an RV during the first year of Retirement—Along the way we had a great discussion on why the minimum spend metric was so important and how it related to our Sequence of Return risks. Know exact...