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Forum: Health and Early Retirement Today, 11:11 AM
Replies: 7
Views: 86
Posted By John Galt III
Did you ever reach your OOP Max? What Happened then?

I'm deciding which HI plan to choose for my 2015 ACA policy. I'm currently considering a plan that has a $100 deductible, 10% coinsurance and a max out of pocket (OOP) of $500. (Five Hundred)...
Forum: Health and Early Retirement 11-21-2014, 09:10 AM
Replies: 27
Views: 708
Posted By John Galt III
I'm with my current PCP because my former PCP...

I'm with my current PCP because my former PCP left the practice for reasons unknown to me. I liked my former PCP. I decided to give the new PCP a chance. So far so good. I think it can be very...
Forum: Health and Early Retirement 11-20-2014, 09:01 AM
Replies: 3
Views: 218
Posted By John Galt III
Thanks for the replies. The only website...

Thanks for the replies.

The only website I've found that has personal reviews of the ins cos is insurance.freeadvice.com. Of course most of the satisfied consumers don't add their input to the...
Forum: Health and Early Retirement 11-19-2014, 08:05 AM
Replies: 3
Views: 218
Posted By John Galt III
Websites for Evaluating Customer Satisfaction with Specific Health Insurance Cos

I am thinking of changing my health ins co. I currently have Highmark Blue Shield in Pa. I've had them for one year, via the ACA. Based on some limited use of the ins co, I am not getting a good...
Forum: Other topics 11-16-2014, 11:41 AM
Replies: 61
Views: 1,978
Posted By John Galt III
Which is why it is so awful if you're stuck...

Which is why it is so awful if you're stuck working with some one with a personality disorder, especially if that person is your boss, and is allowed by management to get way with all the sociopathic...
Forum: FIRE and Money 11-14-2014, 08:31 AM
Replies: 57
Views: 3,277
Posted By John Galt III
I bet a lot of the 401K refusers remember the...

I bet a lot of the 401K refusers remember the 2008 scam and just don't trust that their money will be safe in the "Wall Street Casino". Even in a fixed income investment vehicle.
Forum: Health and Early Retirement 11-12-2014, 01:09 PM
Replies: 80
Views: 3,957
Posted By John Galt III
RBMRTN, Thanks. The health plan I plan to use...

RBMRTN, Thanks. The health plan I plan to use does not have adult dental, so it looks like, yes, the dental premiums and costs they are showing at hc.gov will not be reduced by a subsidy/ cost...
Forum: Health and Early Retirement 11-12-2014, 08:24 AM
Replies: 80
Views: 3,957
Posted By John Galt III
Regarding dental insurance and PPACA: I notice...

Regarding dental insurance and PPACA: I notice the Healthcare.gov website lets you shop for dental insurance, gives you premium amounts, and a list of prices, coinsurances, deductibles, etc. But...
Forum: Other topics 11-11-2014, 07:45 AM
Replies: 11
Views: 478
Posted By John Galt III
I had a new roof put on a year ago. Shortly...

I had a new roof put on a year ago. Shortly after I had signed a contract to have the work done, a flier mysteriously appeared at my front door, advertising free inspections for hail damage.
Forum: Health and Early Retirement 11-09-2014, 08:10 AM
Replies: 53
Views: 1,713
Posted By John Galt III
Same here. I'm in Pa. I had originally planned to...

Same here. I'm in Pa. I had originally planned to take a small distribution from an IRA to increase my 2014 income to qualify for ACA and avoid Medicaid. But lately have been hearing good things...
Forum: FIRE and Money 11-05-2014, 01:33 PM
Replies: 25
Views: 1,296
Posted By John Galt III
This particular SV is now all the way down to 1.0...

This particular SV is now all the way down to 1.0 percent. :nonono: But I'm "happy" to keep more than half of the 401K money in the SV. Fortunately this same 401K has the Vanguard Stock Index and I...
Forum: FIRE and Money 11-05-2014, 07:05 AM
Replies: 25
Views: 1,296
Posted By John Galt III
I had an interesting 401K experience at my last...

I had an interesting 401K experience at my last company. I was fired and I expected I would have to roll my 401K into an IRA. But it turned out I could keep my 401K at the company. The 401K...
Forum: Other topics 11-05-2014, 06:20 AM
Replies: 70
Views: 1,551
Posted By John Galt III
Voted in morning. Just old folks. Print name,...

Voted in morning. Just old folks. Print name, sign in. No request for my ID. Electronic voting. Would rather have paper. Serious-faced poll workers. Free candy! Took 5 minutes from parking to...
Forum: Health and Early Retirement 11-02-2014, 12:41 PM
Replies: 9
Views: 326
Posted By John Galt III
Thanks for the replies!

Thanks for the replies!
Forum: Health and Early Retirement 11-02-2014, 11:40 AM
Replies: 38
Views: 1,228
Posted By John Galt III
I've noticed some of the specialist practices do...

I've noticed some of the specialist practices do have PA's on their websites, in addition to the doctors. Don't know if PA's are considered to be nurses, but my insurance co will not pay for an exam...
Forum: Health and Early Retirement 11-02-2014, 08:45 AM
Replies: 9
Views: 326
Posted By John Galt III
Let's say that if patient came in right away,...

Let's say that if patient came in right away, only treatment A would be needed, but after 6 months, treatment A, B and C were needed, costing more, of course.

And, the problem seems to patient...
Forum: Health and Early Retirement 11-02-2014, 08:14 AM
Replies: 9
Views: 326
Posted By John Galt III
Hypothetical Insurance Situation

Suppose someone waits six months to report some medical problem to a doctor, hoping it would go away. The problem does not get worse, but doesn't go away, either. So the person goes to doctor,...
Forum: Health and Early Retirement 11-01-2014, 09:17 AM
Replies: 175
Views: 5,491
Posted By John Galt III
I wonder what would happen to one's credit rating...

I wonder what would happen to one's credit rating if there were some late / unpaid medical bills. My car insurance uses my credit rating among other things to determine my rate.

Recently I was...
Forum: Other topics 10-25-2014, 05:56 PM
Replies: 79
Views: 2,469
Posted By John Galt III
Escape from the salt mines.

Escape from the salt mines.
Forum: Stock Picking (Individual Security Analysis) 10-24-2014, 10:37 AM
Replies: 39
Views: 2,252
Posted By John Galt III
I didn't short anything. I just unloaded some...

I didn't short anything. I just unloaded some equities so that if the market drops I will lose less. So far the market has gone back up from my sell point, so I would have been better off doing...
Forum: Stock Picking (Individual Security Analysis) 10-15-2014, 01:14 PM
Replies: 39
Views: 2,252
Posted By John Galt III
In trying to preserve at least some of my profits...

In trying to preserve at least some of my profits I am selling some stock today. Will get 4 pm price. I think the market will go much lower in the next few months. Good luck all!
Forum: Stock Picking (Individual Security Analysis) 10-14-2014, 11:31 AM
Replies: 39
Views: 2,252
Posted By John Galt III
This pattern reminds me of the pattern that...

This pattern reminds me of the pattern that preceded the last meltdown(2008). Up 100, down 200. Repeat, repeat... Talking heads saying all sorts of different things. More deflation talk than usual....
Forum: FIRE and Money 10-07-2014, 09:20 PM
Replies: 24
Views: 1,997
Posted By John Galt III
Too bad if you had your bitcoin fortune in Mt...

Too bad if you had your bitcoin fortune in Mt Gox, however. :frown::facepalm:
Forum: Other topics 10-06-2014, 08:31 PM
Replies: 54
Views: 2,809
Posted By John Galt III
Went to Olive Garden yesterday. Got the...

Went to Olive Garden yesterday. Got the "Unlimited Pasta Bowl" for $9.99 . (Not the same deal OP was talking about, but similar) I got meat sauce on it, for no extra charge. Unlimited bread sticks...
Forum: FIRE and Money 10-02-2014, 06:05 PM
Replies: 55
Views: 2,694
Posted By John Galt III
Agree there are still many "gotchas" used by...

Agree there are still many "gotchas" used by insurance companies AND providers to scoop more cash from the patients. Latest example : I asked beforehand how much I would have to pay for a blood...
Showing results 1 to 25 of 585

 
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