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Going with AARP/UHC So I think I've decided to go with AARP/UHC. It was a tough call but from all the good reports from family and friends plus people here I felt that I couldn't really go wrong with either one. One small fact that did influence me is that Regence BCBS is only in 4 states...

Thanks, good advice. This was one of the main reasons I ran away from Medigap F plans like they had the plague. I suppose that looking into how many new customers each gets yearly would give a feeling for that as well.

Absolutely right. A broker costs you nothing and policy premiums are the same whether you use one or not. This is the law. They are paid by commission but if you get a good one they are worth their weight in gold. They know the local market and the claims processing since they are your...

Yes, same for here as well, that is what makes the calculation difficult. When I attempt this calculation I am making a lot of assumptions and in the end there is a small amount of difference between the two. So I guess I'm wondering if people have opinions on which company might weather...

I actually did look into the increases hoping that it might shed some light on future increases. I got this info from the broker and it is somewhat complicated but it appears in the long run both Regence and AARP/UHC increase at almost the same rate. This still leaves me with no major...

Howdy, I need to select a Medigap plan in the next few weeks. I'm sure, so don't convince otherwise, that I'm going with a Plan G. There are two contenders for my business in Utah, Regence and AARP/UHC. They are both almost the same cost considering one has Silver+Fit that I would take...

Unbelievable! I can get a Medigap F for about $129 a month, plus a Part D that covers everything I take now for $28 month plus the $135 for the Part A/B costs for a grand total of a little more than $3,500 a YEAR and it that's covers everything! Worse case scenario is that I get prescribed...

And the MOOP for a regular Plan F or G? Is it as simple as MOOP for Plan F = yearly premium, MOOP for Plan G = yearly premium + $185 part B deductable? Do these plans really pay everything 100% (excluding foreign)?

I have a local place that is highly recommended, Senior Benefits, but I'm trying to do my homework upfront. I'm looking forward to the relatively cheap insurance, right now I'm paying $650 month for a high deductible policy. It's that deductible that is the key for me. Literature that I have...

I'm trying to decide on Medigap plans right now. I turn 65 on Dec 31. When I was looking for private insurance I got a spreadsheet from ER entitled "Health Plans - Generic.xls". It had formulas for computing the costs for various plans based on copay, maximum OOP and premiums. With it you...

Graduating a few months early Well I was all slated to join the Class of 2015 by starting part time work now and working till mid 2015. Megacorp had other plans though and laid me off last week. I'll be getting severance till the end of the year, and then a bit of sucking off the government...

Wow lots of good ideas... and lots of things to think about/discuss with DW. I had expected response like, tell her you only live once..., life is short... or something along that line, but the real answer lies in what you all have pointed out, we both want that guaranteed big enough nest egg...

Absolutely, that's why I married her. ;D I'm guessing that more merging and cancelling of some/all of the prenup is in order to ease her money concerns. After all, if I expect her to be in the same boat we should both have access to the life jackets.

My advice... read my signature.

HaHa, You are very right. Part of this mine/hers problem is that we did get married late in life, and when we did it we had a prenup since both of us are getting along in years and had previous divorces and didn't want to repeat that again. This was especially true since both of us are frugal...

1. Ikubak - April/May 2015- age 52 2. LoneAspen - Feb 2015- age 48 3. Neihn - Dec 2015- 4. Fourchristians - June 2015 5. ABQ2015 - March 2015- 59 6. Live and Learn - March 2015- 52 7. Utrecht - Jan 2015 - Age 50 8. haloFIRE - August 14, 2015 - age 47 9. Phil1ben - June 1, 2015 - age 55 10...

I'm planning on retiring at the end of the year when I'm 60. DW is 6 years younger and planning on working till 62. We married late in life (4 years ago) so each has their own nest/retirement egg. Mine is big enough for me by myself to retire, hers is not enough for her alone (hence the wish...

Cola Nuts. While hitchhiking around Zaire around 30 years ago (yes I had a life even before FIRE) you would see in markets people with a plank with mounds of earth. Inside the mounds were Cola Nuts. They were kept in earth because they oxidize rapidly in air. They were about the size of an...

Yes, a good FAQ, in fact this is now circular because reading that FAQ and being confused about one of the threads led me to post this thread. I tried to post the question in the FAQ thread I was reading but it said it was more than a year old and I could not post to it, so here we are, but...

No she has no pension, and mine amounts to 18k year if taken at 60, no COLA. Since we have been planning all our lives as if we were alone, her savings is good enough to last her all the rest of her live if I die. Anything left of my savings is just gravy for her. I'm still leaning toward 62...

More options...Nice! I took a look at this site and it presents some nice planning options. Since I still have a bit of time to plan I'll look more at the options. There are 2 or 3 scenarios that I should ponder and consider. Even though I still consider SS as "free money" there is no need...

Thanks all this makes more sense. I definitely won't be waiting till 70 to take mine since I plan to retire in a year at 60 and DW won't be ready for a few more years since she has clients and wants to sock some more away in case it ends up being worse case for her (divorce). Like RetiringAt55...

Ahh rats, now I'm even more confused when I read this from the SS site: If your spouse is eligible for retirement benefits on his or her own record we will pay that amount first. But if the benefit on your record is a higher amount, he or she will get a combination of benefits that equals...

I came upon this on an old thread about retiring at 62 and someone brought up the point about 50% spousal benefit which I had not even considered. Since DW and I were single most are lives and married late (just 3 years ago) and with a prenup (you never know) we always figured what is mine is...

CB, Let me see if I understand you. As I understand FireCalc ran through all scenarios from data taken at all years since 1871 and projected it forward X years. In other words, I have X number of dollars, etc, used the growth figures for 1871, 1872, 1873... for 45 years and chart a line, next...