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When an employer owns the health insurance policy, it's theirs to do as they wish, and your rights are very few - in state law, in federal COBRA and HIPAA laws. It is better to own your policy (individual, not association group), and then you're in the same rate tier for the rest of your life...

I second Martha's comment about membership group coverage - the few places that it does exist, it is being dropped. The rates that they quoted are misleading. It depends greatly on the state, the number of insureds (1 or 2 if the kids are gone - you don't need a family plan at this point), and...

Good point about light Orchidflower's post reminded me of something else I had read: to make sure that in the evening that no light is more than about 40W, and less is preferable. I think that may have a big impact for some people. I think that the light from the television also messes up my...

Who can help? This is a tough one. The insurer appears to be following the rules, so you can't complain to the department of insurance, although they might be able to tell you who to complain to. To find your state department of insurance, you can go to: National Association of Insurance...

My Experience Using Melatonin I've never had a problem being groggy or not waking up. I use a "sublingual" (under the tongue) version that is lower dose (1MG or 2.5MG), though I have a time release (1MG) that seems to keep me asleep longer. For me, it doesn't always get me to sleep, but it can...

USPS experience varies greatly I have to say that our local post offices have very knowledgeable and friendly people working at the counter. It's incredible. I've been to different locations up and down the coast, but the folks in Chapel Hill and Carrboro North Carolina are great. I have had...

Procedures for Getting Your Proper Benefit Here are a few thoughts that come to mind about getting what is due to you. There is great variance in the types of policies, what is covered, and how they pay. These steps should work in most cases. There is a book out there called Making Them Pay...

Aikido and Tai Chi I used to take Aikido classes for a long time, and found that my body couldn't keep up with the 20-something, more fit people. I plan to incorporate Tai Chi or Yoga into my schedule over the next few years. It has been highly recommended by the folks who I've trained with for...

Medicare, Medigap, and More There are a few different supplementary coverages that you can buy in addition to Medicare Part A (Hospital), and Medicare Part B (Medical i.e. Doctors). There are the Part D (Prescriptions), the Medigap policies (that let you see whichever doctor you like), and the...

I recall seeing a book a few years ago called something like "The Melatonin Miracle" or something along those lines. It was written by a group of doctors in Virginia, and likened Melatonin to a fountain of youth. Of course this angle has been attributed to many substances, none of which have...

How to find a reputable health insurance agent Here's something that I cut + paste from my website. I hope it helps for folks to find a good agent. I recall one agent that I interviewed talking about people "selling health insurance from the back of their car". We recently had some news in...

Best States if You Have a Medical Condition Dear qkayak, You might find that your choice of location will have to do a lot with whether you'll get guaranteed issue health insurance, and how much it'll cost. Since health insurance is mostly regulated by state laws, it varies by state. What I...

Before I start posting elsewhere on the forum, I thought it wise to give a little introduction. My name is Jonathan Pletzke. I am not in early retirement, but I left my "job-job" anyway to find something that better fits me. "I'm not retired, but it sure feels like it" is what I heard from a...