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I've never had that happen; but an easy solution is to decrease the final estimated payment on 15 January.

UHC getting run over the coals in the press since its CEO's murder. I have never had a claim denied by Mutual of Omaha; are the reports on UHC just anecdotal hogwash or do they truly have a history of claims denial? thanks, Marc

I have always withdrawn funds from IRA as needed; no reason to earn taxable interest income. I estimate at beginning of year how much money I will take out of IRA; other income for year; and calculate predicted tax bill. I then go into EFTPS and identify four equal payments. I also have...

The two year (4.326%) and ten year (4.320%) have reinverted this morning; could a recession prediction be back?

I guess I am one of those that counted on SS when I retired; I even added PV of SS (around $1M) to my total assets for calculating the 4% SWR (actually started at 6% of actual financial assets). As I have been retired for over seven years, and not worried about sequence of return risk anymore...

I have always been prepared for a 21% cut starting at some time. What scares me, though, is the report last month that they are considering (and possible under current law) to limit to a dollar amount with $2,500 per month being floated. If that happen I will feel real dumb waiting until 70 to...

Many thanks! When did this come out? I must have missed it.

11 November and still no 2025 Medicare rates? Maybe tomorrow? Marc PS Just checked SSA statement and it has not been updated with COLA.

Why can't the longer term keep going up? After all, the yield curve will continue to un-invert if we have no recession. Add to that large supply and there is no reason we can't see the longer end continue to rise even as the Fed lowers short term rates.

Audrey, I saw that same number so we can calculate IRMAA Level 1 of $74 and I saw Part D IRMAA Level estimate of $13.30.

There are no PLAN A, B, C, and D; there are PART A, B, C, and D. I am losing confidence in ChatGPT and Google AI.

This doesn't make sense. Part C plans and their costs are already out. Part D plans and their costs are already out; they came out on time. Marc

Last two years the new medicare rates came out in September and October, respectively; [MOD EDIT]

The zero dollar premium is also good for those of us with expensive prescriptions as the premium is not considered part of the $2,000 cap.

We are both going to be on WellCare $0/month premium and will both hit the $2,000 cap. Does it make any sense for us to even look at using GoodRx or other coupons to cut costs of certain prescriptions if we are still destined to be capped at $2,000? thanks, Marc

Lifetime Diamond with Hilton and even though retired I do find it very worthwhile. Upgraded rooms, executive floor benefits, and little gifts along the way. Recent stays (some paid some points) were Hilton Stucky in Venice, Conrad in Tokyo, and Hilton in Auckland. All wonderful rooms and...

Wages increased 4.0% year over year; is this inflationary? Will rates need to be increased?

I wonder if the 300% increase for Aetna is due to financial issues at parent CVS? If so, this may really backfire if they lose a lot of business to WellCare (assuming WellCare still makes a profit on each new customer).

Last year WellCare had a Tier 6 "select" which were drugs priced at $11/month. They got rid of Tier 6 for 2025.

I ran all plans and all came to just below $2,000 plus premiums for year.

My Jardiance went from $11/month under WellCare in 2024 to the $2,000 max in 2025. It is a good thing that Jardiance is one of the "negotiated" CMS drugs for 2026, it will be capped at $197/month per negotiation results. :confused:

Write to Cameron at cameron@texasmedicareshop.com and tell him your issue with his staff; give him a chance to either correct or help you move to another agency. Only other agents I know of are Gentry and Ashley and I haven't worked with either of them.

That is strange, Texas Medicare Shop is the only agency I know of near Sun City (used to be located in Sun City). Cameron is in charge and was extremely useful in 2022 when I first signed up for Medicare. He handed us over to Wayne Coates once we got enrolled. If you are using someone else in...

I would give Cameron and the rest of his staff another chance. If Cameron is the one you don't like, I would email Wayne; he always replies the same day to email. That said, I don't know if their role is to be your ombudsman to the insurance company. Please let us know what you learn and...

My wife's two insulin products, Tresiba and Novolog, are now showing up as "not covered;" anyone else had this issue? Are there generic substitutes?