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No one is promised tomorrow and the older you get the closer you are to your last breath. The actor Bob Saget just died at 65. Steve McQueen died at 50.
I'm so glad I don't have any of this to worry about in retirement. I feel for you guys. I retired at 57 and never gave health cover a second thought.Ciao
I went out early at reduced benefit . Didn't apply or get spousal benefit until wife was full retirement age.By her waiting she got half, but it's half of my full retirement benefit, not the reduced rate I get for going out early.
+1 here. Jeez what a thing to have to worry about! Stay healthy guys!
I don’t consider planing my life a worry, it’s a privilege. My retirement income when retiring at 62 (several years from now) will unless the world collapses be about $15K a month gross (knock on wood). A small fraction of that will be from Social Security, and it will pay for health care twice over. When I turn 65 and go onto Medicare I’ll effectively get a raise. Life is what you make of it.
Just be aware that what you pay for part B and part D is based on your total income the year before. Not taxable income but all income before taxes. It can get pricey in a hurry. Based on your numbers you are a step above the base rate.Pete
I said F it and fully retired at 63, too many dead people who never made it in my family. Cobra for 18 months and then I need about 8 months of something before Medicare kicks in. Not to bring in politics but it's funny how many people think seniors get free healthcare. Based on my wife's Medicare premiums it definitely isn't free.That said she is on original Medicare and not an advantage plan because of all the travelling we do and plan to do if this virus ever gets under control. Ireland, Scotland, England, and Iceland are all waiting. Along with Canada finally hopefully this August.
really?
I have called, been informed that my call is very important to them, for over an hour, gone by the office, locked up. Note on door says appointments only, call the your call is very important to us number. Sent the form for a hearing,....your letter is very important to us. Not really complaining, ( well actually I am ), we can pay it, just a heads up in case you decide to sell or otherwise upgrade your income.
No one mentioned using an insurance broker. They get paid by the company you go with. If you buy over the phone you save the company money and have no one to be your advocate. I had a local broker stop over and we went over many options. If I have an issue arise, I call him and he or his office runs it thru the system.It costs you nothing to have "people"
YES! This! Professionals are professional for a reason. I work at a rehab hospital and hear all the horror stories from my patients, people crying in their beds, trying to get up and leave because they are so afraid of the bills. An expert who can help you navigate this stuff is so key to success!!!!!
Yup, I'm maxed for many years to come... and I hit the "donut hole" 6 months in. Still less then what I paid for insurance before I turned 65 but not by a lot.PS: If you travel..... make sure you are covered or know the rules to get service. My policy covers me anywhere i go in the USA that accepts Medicare. Many policies require you to stay in the "network". ....
Do you need a bodyguard? .......(kinda bored anyways)
I need someone to carry me around 6 car auctions next week. I need a knee....