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11-12-2016 11:11 AM
Thank you
11-12-2016 04:19 PM - edited 11-12-2016 04:20 PM
I'd love to get some opinions. My Aunt is 66. She'd been very active, until a year or so ago, when her arthritis, got much worse, she is admitting, she'll probably need a total hip. For now, she's uses a cane/walker for stability, and if a lot of walking is needed, she really needs a wheelchair.
She currently has just Medicare part A. She is working full time, works from home. She has decent private insurance, pays about $160 a month, based on her seniority. She h as never married, no children, modest salary, about $30,000.
She asked for my input, re: ending her private insurance and going to full Medicare. S
11-12-2016 04:29 PM
$160 seems like a good deal to me.If your aunt is satisfied with her plan I would leave it as is.If it ain't broke don't fix it!!!
11-12-2016 04:59 PM
@maestra wrote:
@Lila Belle wrote:
Brace yourselves. It's only going to cost more for everything. What do you have to lose? EVERYTHING.There are many of us that havent lost EVERYTHING!
We have hope for the future . I say this as a breast cancer survivor of 1 year now.
@maestra I say, congratulations to you!! Yes, we do, girlfriend; I'm a survivor of 18+ years. There certainly are more important things to worry about, than a comment from the bully pulpit.
God Bless You, Maestra.
11-12-2016 05:02 PM - edited 11-12-2016 05:02 PM
@Suhse I think she'll have to pay a penalty if she doesn't get Medicare Part B and doesn't have insurance through her employer. Here's some information I found. I would suggest she enroll and get her Medicare supplements, too.
If you do not have employer insurance and you turn down Part B, you may have to pay a hefty premium penalty when you do sign up. If you are 65, but are not receiving Social Security retirement benefits or Railroad Retirement benefits, you will need to actively enroll in Medicare.
11-12-2016 05:29 PM
What I was thinking, also. The Gov. slaps a penalty on you if you don't sign up when your suppose to .
I was already on SS last yr. at 64 because hubbo reached full benefits at 66 , so, they knew I was on SS, so, they take out the Medicare Part B premium when they knew I would turn 65 this yr.
I already have my supplement and Drug plan (don't take any drugs at this point in time) but, the Gov. will slap a penalty on you if you don't take at least the minimum drug plan available which for me is Humana/Walmart.
17-18 a month. Suppose to be the cheapest.
I'm all set now. So happy to be getting off of private pay policy. Major medical just on me had rose to 650 a month. We're going out to celebrate at a nice place. Getting off that merry go round.
11-12-2016 05:39 PM
@maestra wrote:
@Lila Belle wrote:
Brace yourselves. It's only going to cost more for everything. What do you have to lose? EVERYTHING.There are many of us that havent lost EVERYTHING!
We have hope for the future . I say this as a breast cancer survivor of 1 year now.
************************************
Lila Belle put it in the future tense, not the past. There are many more who think they might lose everything, at least four hundred thousand more.
11-12-2016 05:43 PM
@3suwm5 wrote:
@maestra wrote:
@Lila Belle wrote:
Brace yourselves. It's only going to cost more for everything. What do you have to lose? EVERYTHING.There are many of us that havent lost EVERYTHING!
We have hope for the future . I say this as a breast cancer survivor of 1 year now.
@maestra I say, congratulations to you!! Yes, we do, girlfriend; I'm a survivor of 18+ years. There certainly are more important things to worry about, than a comment from the bully pulpit.
God Bless You, Maestra.
I applaud all survivors of illness, disease, abuse and the other hard knocks life has to deal us.
But knowing that surviving and beating/delaying death doesn't in the least negate the fact that millions of people are barely making it financially, and are losing 'everything' in the way of finances to keep their head above water. Increasing costs for everything from food to healthcare (which is simply skyrocketing for so many) is causing them to loose their lifestyle (which for many wasn't all that high to begin with), their homes, their savings and their confidence and peace of mind.
The stresses from this can contribute to illness and depression and leaves many feeling helpless. Facing a financial crisis, and loosing the grip of being able to afford health care or in doing so leading to the loss of other assets is not something to be marginalized, in my opinion. It is affecting more an more people with each passing year.
11-12-2016 05:48 PM
@Mominohio wrote:
@3suwm5 wrote:
@maestra wrote:
@Lila Belle wrote:
Brace yourselves. It's only going to cost more for everything. What do you have to lose? EVERYTHING.There are many of us that havent lost EVERYTHING!
We have hope for the future . I say this as a breast cancer survivor of 1 year now.
@maestra I say, congratulations to you!! Yes, we do, girlfriend; I'm a survivor of 18+ years. There certainly are more important things to worry about, than a comment from the bully pulpit.
God Bless You, Maestra.
I applaud all survivors of illness, disease, abuse and the other hard knocks life has to deal us.
But knowing that surviving and beating/delaying death doesn't in the least negate the fact that millions of people are barely making it financially, and are losing 'everything' in the way of finances to keep their head above water. Increasing costs for everything from food to healthcare (which is simply skyrocketing for so many) is causing them to loose their lifestyle (which for many wasn't all that high to begin with), their homes, their savings and their confidence and peace of mind.
The stresses from this can contribute to illness and depression and leaves many feeling helpless. Facing a financial crisis, and loosing the grip of being able to afford health care or in doing so leading to the loss of other assets is not something to be marginalized, in my opinion. It is affecting more an more people with each passing year.
*********************************
I agree with you but I don't understand what beating death has to do with it.
I did that AGAIN just four months ago.
11-12-2016 05:54 PM
@Noel7 wrote:
@Mominohio wrote:
@3suwm5 wrote:
@maestra wrote:
@Lila Belle wrote:
Brace yourselves. It's only going to cost more for everything. What do you have to lose? EVERYTHING.There are many of us that havent lost EVERYTHING!
We have hope for the future . I say this as a breast cancer survivor of 1 year now.
@maestra I say, congratulations to you!! Yes, we do, girlfriend; I'm a survivor of 18+ years. There certainly are more important things to worry about, than a comment from the bully pulpit.
God Bless You, Maestra.
I applaud all survivors of illness, disease, abuse and the other hard knocks life has to deal us.
But knowing that surviving and beating/delaying death doesn't in the least negate the fact that millions of people are barely making it financially, and are losing 'everything' in the way of finances to keep their head above water. Increasing costs for everything from food to healthcare (which is simply skyrocketing for so many) is causing them to loose their lifestyle (which for many wasn't all that high to begin with), their homes, their savings and their confidence and peace of mind.
The stresses from this can contribute to illness and depression and leaves many feeling helpless. Facing a financial crisis, and loosing the grip of being able to afford health care or in doing so leading to the loss of other assets is not something to be marginalized, in my opinion. It is affecting more an more people with each passing year.
*********************************
I agree with you but I don't understand what beating death has to do with it.
I did that AGAIN just four months ago.
A couple of survivors posted previously in this quoted grouping, and made that seem like other worries are less critical/valid. While I will agree, being healthy is the best of all things, and we like to believe that if we have our health, we have it all, the truth is that people who are facing mounting medical premiums/deductibles/co pays etc, and loosing their other assets and seeing a downturn in their economic level in order to keep up with it, are facing truly valid and concerning issues. I just felt they were marginalizing the original quote in this grouping, which is true, some people stand to loose everything with health care costs (as well as other costs) being what they are today, and what they are forecasted to be in the future.
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