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According to the Dr prior to surgery my vision was 20/20 with glasses. (Good eye) The reason for the cataract surgery was when I had a glare test done my vision went down to 20/70. Could not read, or do spreadsheets or read street signs or billboards or see tv clearly. With my bad eye...

I went on Medicare May 1 of this year but did not elect social security yet. I paid 433.80 three times based on Medicare quarterly billing practices. These payments have my Medicare paid through January 2021. However, the Medicare site shows my premiums paid thru December 2020. In reviewing...

New Year's eve I received an email from Fidelity informing me that my new IRA account needed profile information entered. Went to Fidelity's website and after reviewing the portfolio it looked like an IRA account with a 0 balance was the one in question. In the past Fidelity would send a...

We went hiking while traveling and I fell and gashed my hand on a rock and also hit my head on the ground. I wanted to make sure my head injury was minor so I called around to find a minor medical clinic that was in network with BCBS. The 2nd facility I called stated they were in network so...

I received a letter from Healthcare.gov to complete IRS form 8962 to reconcile our Premium Tax Credit for 2018. This is the first year we have been eligible for an ACA subsidy and the letter is somewhat confusing. The letter states: You’re at risk for losing your financial help for 2019...

While traveling last month I encountered a medical condition that prompted a visit to a hospital emergency room. The dr. admitted me overnight and many tests were done to determine the cause of my symptoms. They ruled out stroke, heart attack and aneurysm but I was not conscious until the...

Currently researching Medicare for my BIL who will be enrolling in the next 6 months. If you do not elect Part D which is the prescription drug option available under Medicare can you take it out during open enrollment years later? Also if he gets cancer will the cancer drugs be non covered...

So, 2018 is the first full year of FIRE and I need to understand how to pay estimated tax payments to the IRS. Currently for 2018 we are covered under the ACA with an estimated AGI of 31,000. Our premium under the ACA is 0 due to the low income. Current Income Breakdown for 2018: Interest -...

I have read that when you sell land the real estate fee increases the cost basis when determining how much you owe in capital gains. I need to make sure this is correct since we need to keep our income low this year due to the ACA income rules. Can anyone confirm this?

We retired in June of this year so next year will be the first year we will be eligible for Health Care subsidies through the ACA. I spoke to an ACA rep and she told me to provide tax documents from prior year. Well, prior year shows our income above the 65,000 cut off to be eligible for a...

We are thinking about renting a house or apartment later this year until we decide where we will land. In reviewing the rental policies at many places the requirements ask for a credit check, employment information and/or tax records for past 2 years if self employed. How does this work if you...

So here is the story. I have a friend who is looking for me on XXXXXX reunion website and she has been posting for years trying to find me. She cannot locate me because she does not know my married name. We were friends as teenagers for 2-3 years and then her family moved to another state. I...

Just read that BCBS of Tennessee will be returning to the Knoxville market under the ACA next year. All insurance carriers left the area and it looked like Knoxville would have no health coverage for 2018. This is great news and it looks like BCBS might remain in Tennessee under the ACA where...

I assume from many articles and posts that you pick a Medicare plan from different carriers and options from PPO to HMO. If you pick a plan other than a HMO do you have coverage over state lines? I am not inquiring about emergency care.

How many out there are using the 3 - 4% withdrawal rate during retirement? Have you continued with this formula for years during retirement or have you changed the percent and still been successful? Currently we are planning our retirement this year. DH could take early SS (age 62) later...

We were planning to retire this year or early next year but are now questioning the steps we need to take since there are many questions about the financial stability of the ACA and future healthcare. We are living in a State where the death spiral has begun. Currently we are covered under the...

Looks like Blue Cross of TN will be pulling out of the major cities in Tennessee for 2017. It shows Market Place/Individual Plans so you will not be able to continue with BC if you live in certain counties. https://www.bcbst.com/why-bcbst/about-us/news-center/2017ACAplans.page

Researching the ACA plan and estimating MAGI for next year seems bring up more questions than answers. I signed up for the ACA this year and muddled through all the self-employed income questions since they do not give a clear picture of actual income. I finally entered regular income at above...

I found out 2 of my relatives took social security recently at age 62 instead of full retirement age or older. One of them said their FA told them ss is struggling and will not be around in the next 10 years or so. i have heard that comment for the past 15 years and it is still around. Also...

Well, it looks like United Healthcare will be dropping out of the ACA in 2017 in most of the 34 states where they provide healthcare. https://www.washingtonpost.com/news/wonk/wp/2016/04/19/unitedhealth-group-to-exit-obamacare-exchanges-in-all-but-a-handful-of-states/

So here is what is suppose to happen: We will be debt free in a few weeks and are planning ER this year. We bought our land last year and plan on selling our house, our vacation house and using the money to build our retirement house on the land. So this is our nice safe retirement we have...

I have been with Blue Cross insurance outside the ACA program for the past few years. For 2016, I signed up for BC through the ACA program in case I am eligible for subsides at tax time. I received a letter from BC with the option of paying my premium with BC online on their website. No...

Hi everyone :greetings10: It looks like we will be going into ER in 6 months. We have been planning this for three years and it is finally going to happen. I set us up as a company in QuickBooks years ago to track our monthly and annual expenses. This enabled us to know our expenses...