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Max out 401K's, IRAs, and the last option in "common" tax deferred investments are tax deferred annuities. I bought one decades ago. What kind depends on your AA but go with a low fee one (Fidelity). Fixed is pretty good right now vs. variable but it depends on your overall AA. I'll never...

Thanks. It's also my observation. I'm all for exercise as long as you can do it without negative effects. I have for many years. There are negative effects later in life. A body can only recover so much from physical stress as you age. The healthiest lifestyle folks I've known weren't the...

UNC/AARP has confirmed to me that in Ohio that I can downgrade to Plan "N" anytime I want. I would not be able to upgrade to Plan "G" without underwriting. I would not be able to pass underwriting. I would always want the option to downgrade vs upgrade past my guaranteed period. Recent events...

Thanks for the replies! I was just wondering.

Thank you! I'm blessed and lucky on this one.

This might be a dumb question, but is there any way to see "Thanks Sent" in our User CP?

I received DW's AARP/UHC NEW "Personalized" Medigap bill today. It confirmed that in Ohio the Standard Rates that your age discounts apply to did indeed go up 11% exactly effective June 2024. MBSC had posted a 2024 Ohio insurance table earlier in this thread which showed a 11% increase in the...

Well, after 10 years of the back pain journey described above, I had spinal fusion surgery involving L4-S1, two levels, three vertebrae, on Feb.26, 2024, 4 weeks ago. My leg and lower back nerve pain is GONE. I walked the next day after surgery and was dismissed from the hospital that day. This...

Again, it's interesting how different the plans have become. When the wife and I signed up, gym memberships were just included "at no additional cost to you". They are breaking it out now to try to lower premiums. Also, the new discount structures just stretch out the premium increases, trying...

Thanks! With my knowing our 2023 Standard Rates, I was able to find the identical rows for both of us for 2024. Both of our Standard Rates are going up 11.0%. Then we both drop our discount rates on our anniversary by 3% each. Bottom line: our rates go up 11% in June and then +3% more in August...

I don’t think the new rate/discount changes over the last few years benefited the members. When have you seen changes in rate calculations not benefit the company? Never for me.

We never saw an option for the gym membership when either of us signed up, but we have and use it. I think it’s called Renew Active. I’m totally amazed at the differences by year and maybe area! How in the world do UHC/AARP associates keep on top of it?

Our initial Household discount was 5% in 2020. It went up to 7% in 2023. I have a spreadsheet that exactly duplicates the individual rates and household discount when they were combined. All I needed to know is the new STANDARD RATES which go up every June for both of us. Then we get hit with a...

In 2019 when I signed up the discounts were applied to the "AGE 77 STANDARD RATE" with the attached 2019 discount table shown on the top thumbnail. When my wife signed up in 2020, the discounts were applied to the "AGE 81 STANDARD RATE" with the attached 2020 discount table shown on bottom...

Wow, your discounts and inflation rates are news to me. I have never seen anything like that. We haven’t received our individual “Personalized Billing” plans yet. Just the introductory letter advising us of the change. But it was written like no big deal, just improved bookkeeping for our...

UHC/AARP won't be updating their "AGE 77 STANDARD RATE INCREASE / AGE 81 STANDARD RATE INCREASE" anytime soon. It will be May. Just received a letter from them explaining their new "Personalized Billing" system. All Supplemental Health Insurance plans will change to individual plans for each...

Yes, the actual charged rate is based on your signup date because of how the discounts are structured. But the “Standard Rate” increase each year applies to everyone and then your specific discount kicks in.

I received my rate update mid-February last year. The rate letter was dated 2/3/23. This was for Jun 23 - May 24.

Has anyone seen the new rates for June 2024 - May 2025? It may be a stupid question as I do not know if their "AGE 77 STANDARD RATE INCREASE / AGE 81 STANDARD RATE INCREASE" occurs in June for all states. It's June for me and DW. Your discounts are based on these standard rate increases...

Thanks, but my post wasn't looking for suggestions, just fusion surgery experiences. I do appreciate the helpful suggestions! This has been a journey for over a decade. I've seen 5 Neurosurgeons / Orthopedic Surgeons, have had 6 epidurals over 10 years, 11 trigger point injections over 4...

Thank you for all of the replies!

Just wanting to get some feedback on other people's experience with this type of surgery. I'm looking at fusing L5-S1. Also considering expanding this to L4-S1 as I don't want to go through this procedure again. Interested in recovery times, pain involved, any problems incurred. I know it is...

I've owned Kindle Paperwhites for 14 years. Three of them so that I could keep up with the software updates. Not one hiccup and love them. I donate the older ones.

Thank you!

What online calculator? Thanks!