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We received an EOB (Explanation of Benefit) from our Medicare secondary insurance that looked sketchy. So i checked Medicare online (don’t get paper copies) and there were $3800 total carges for catheter supplies for 2 dates in May and June, none of which had been ordered nor received. Between...

On the topic of apologizing: my sweet, quiet 17 yr old granddaughter has a part job at McDs. This grandmother sees the side benefit of her blossoming. She apologizes profusely & sincerely when customers complain: “Oh, someone left the catsup out of your takeout order? I am sooo sorry.” (while...

What I learned was “what a blunder I’d made in 2006 when I allowed an Ameriprise financial advisor to sell me an a Variable Annuity inside my 403b account”. With the help & encouragement from Mickeyd, Brewer12345, 2B & others I was able to unwind the sale, ditch my Ameriprise connection, & run...

After I threw a conniption fit because my car wouldn’t fit in the garage, my DH is finally purging. The first 2week dumpster rental was picked up yesterday. He has also donated, “gifted”, burned & added to weekly refuse pickup. I’ve been after him for years to do this while he’s still physically...

I was notified last week of a one time offer to take a lump sum payout of my defined benefit, non-cola pension in lieu of lifetime monthly payments. We retirees have until Dec 6, 2019 to make this election. I took all of about 10 seconds to decide on that. :dance: I will have the money rolled...

Thank you very much for the responses. Cathy I think what you’ve written makes a lot of sense.

I got an email that was....... From: Our Bank. Subject: Our Banks New Budget Tool. However, the body of the email was a message from Express Scripts that it was time to refill script #***1234, with 3 refills left, click button to refill now. I went to ES website & checked & yes we do have an...

I’ve read at the links provided above. Very informative, particularly the “capture billing . com”, where Manny answers some Qs at the bottom of the page. He says there is lots of confusion about this. I had no idea that Medicare doesn’t cover a routine annual physical exam! The language...

I believe in my dr’s office the dr is the one who actually codes the visit, as he simply ticks off a box that has all the options for type of care rendered along with its applicable code #. And I’ve had billers say to me that they aren’t authorized to change a code, it must go thru the dr. to...

Did Medicare actually DENY the claim for $400? For what reason? Or, did Medicare “Approve” the service & apply the approved service amount (less 80%) towards your annual deductible? Thus ending up with Medicare paying $0. (I don’t think this is the case, but just want to be clear on this.) I do...

There was a Medical Assistant in the room with us, which is an easy solution for boundaries protection. If a Dr or NP misses a deadly melanoma that could be very uncomfortable also, for pt as well as provider’s reputation & malpractice insurance.

I convinced my DH for both of us to have skin exams at the local dermatologist office. We went into the exam room together & a youngish Nurse Practitioner entered. We kept all our clothes on & just pulled things aside here & there. DH pulled up his t-shirt & she was looking at his back. He has...

My husband’s handwriting is not the best, in fact sometimes barely legible. His 4’s can often look like 9’s. I wonder Joe might have such an issue with a phone # quite similar to yours?

My earliest memory: I was 3 yrs old when younger brother was born. Mom & Dad left us older 3 kids at G'ma/G'pa's house. It was all well & good until she said goodbye & walked out the door. Then I started squalling! I remember Mom had on a grey coat with a big collar that was fuzzy & I nuzzled it...

A bit over a year ago I had posted about possibility of doing this adventure, asking for opinions, because I had misgivings. Many posters were very encouraging to go for it. Well, last week DH/I, son/dil & 3 grands (13,12 & 12yrs) joined 15 strangers & 5 crew & completed an 8 day motorized raft...

We do donate to Red Cross, local needy groups, nursing homes, & military vets mainly in the form of quilts that we make. We are a quilt guild. We put on a quilt show every even year that turns a $4k-6k profit. On the odd years we have an auction of donated items that has a similar profit. We use...

Thanks! Yes we've kept up with the annual filing of Form 990N, so we are good there. Your explanation was as I had understood, but others had a different opinion, I.e. we had to keep checking account balance <$25k.

The charitable/educational group to which I'm a member has 501-3-c tax exempt status. We have 110 or so members & a question has been voiced as to what is the $ limit we are legally allowed in our treasury. Some say it is $25k. I found nothing in Publication 557, Tax-Exempt Status for Your...

We have USAA for home & auto, but no claim experience with them, having switched to them about 6-8 yrs ago. I checked ratings of various options online. We were involved in a very minor auto accident a few months ago with other driver at fault. He had Miami Mutual insurance & they were VERY...

DH inherited an IRA from his sister who passed a year ago. She had inherited it from her deceased husband in the 1990s & was taking RMDs. DH transferred his part of the account from her Fidelity to our Vanguard. He needs to start taking RMDs from it this year. We spoke to Vanguard about this &...

We switched from DirecTv to DISH last March. We've had no issues with Dish, have a 3 yr price lock, a yr of Netflix free. It's a bit of a learning with the Hopper. & navigating the features, but overall we are quite satisfied. It's about $20 cheaper/month. We switched mainly because of price &...

I so glad I posted this! I have moved from hesitant to actually giving our son the go ahead & start planning! DH was already on board, but didn't want to do it without me. I really appreciate reading your experiences & now feel really enthusiastic about it! :dance:

Thanks so much for the responses...appreciate them. I think my main concerns are *mainly the heat & also sun during the day...I'm very fair, but of course use sun screen; *maybe too much togetherness (7 days!) *the physicality, dh & I are able bodied, but not fitness freaks, 70 yr olds But...

Our son would like to plan a 7-day rafting trip thru the GC for summer 2017 for our family, 4 adults , 3 tweens. I'm feeling a bit unsure about signing on for this. Has anyone one done this & would like to share your experiences?

He wrote this to you: "tone" of my email was "unprofessional, condescending and disrespectful." He said that apparently I had taken a "adversarial approach to our engagement". Then he dumps you, in an email, no less! Wow! Then you get quite embarrassed & write him a very apologetic response...