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Plan G High Deductible The Florida Office of Insurance Regulation oversights Medicare supplement plans in Florida. It has a website that identifies carriers and provides rates. The url for the website is https://apps.fldfs.com/mcws/ no password or logon is required Use the search box at the...

The OP is a federal retiree. Her BCBS is managed through OPM a federal agency. There is no requirement for her to take Medicare.

There is probably something else in play or it was a mistake by the insurer. Suggest that you call your insurance provider and ask for an explanation if it is not already stated within the letter. The Fepblue phone number is 1-800-411-BLUE (2583)

Your graphic shows three months of coverage. If you are new to medicare and not taking social security benefits your initial invoice will be for three months. Since you don't know what insurance you have, call Medicare 1-800-633-4227 and ask. They will tell you what insurance you have and...

For Time2 - two points Medicare is heavily subsidized by the federal government. Medicare is also means tested. Some low income people don't pay anything for Medicare, other low income people don't have to pay their part B premium. Most people pay a standard premium for Part B. This year it...

For Time2 - I don't want the following to sound too pointed - trying to be helpful Both you and your wife will be on medicare for the rest of your lives. It is worth spending a few hours understanding how Medicare works, what it covers and its costs. You can go to Youtube and put in the...

I live in a 2500 SF home in Gainesville Florida. Our homeowners insurance is $3385 from USAA. This is a $850 increase over last year. We have never filed a claim against our home owners policy. I'm happy to be able to keep insurance with a reputable company.

The heartrate sensor in my fitbit sense stopped working and I decided to check out non fitbit alternatives. After extensive research I chose the Garmin Venu 3 as a replacement. The fitness and health functions are at an entirely different level thn the fitbit. I normally cycle with my Pixel...

To be cost competitive. But first... The standard plan is significantly more expensive that the basic plan. The dollar difference is more significant for the Self +1 plan than the Self plan. The main benefit of having the standard plan is that you can go to out of network doctors. However...

Advantage plans are one year contracts. You have two opportunities to change plans every year. From KFF (Kaiser Family Foundation) If you are currently enrolled in a Medicare Advantage plan and would like to switch to traditional Medicare, or switch to another Medicare Advantage plan, you may...

Tekward - many consider tricare for life with it's embedded premium free drug plan the gold standard Medicare setup. Tricare for life serves as wraparound coverage for Medicare. It works like a premium free medigap plan. There are no prior approvals for a medicare cost/procedure. Don't minimize...

Rianne, The premiums in the charts are for policies that the public can purchase. If the insurance company has "closed the book" on an existing policy it is not available for purchase. I don't know how to see the rates or annual increases for existing policies that are not available for...

For MBSC: Thanks for responding to my eariler post(s). I am a volunteer SHIP (Medicare) counselor. In addition to addressing Medicare issues with beneficiaries, counselors provide "New to Medicare" briefs. I've given at least 40 of these briefs in the last year. The most important and...

For Riianne, From an earlier email you indicated that you are from Illinois. Please go to the URL below, it is from a state web site. https://ilaging.illinois.gov/search-results.html?q=supplement&contentType=everything The URL leads to a page that has three PDFs, one for the Chicago area...

There continues to be a lot of discussion about closing the books and the sick duck pool I don't doubt that both exist, but as much as has been written about Medicare I have yet to find an article that talks about this Medigap issue. It would be nice to have something other than anecdotal...

From the Valuepenguin home page: Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear)...

For Kilkoyne: Suggest you lay out your employment and preferred retirement status. It is not clear if you will be an immediate annuitant or are looking at a deferred or postponed FERS retirement. If you haven't received guidance from OPM then touch bases and verify your situation. If you don't...

A couple of thoughts: Financial planners, Investment Advisors, wealth managers etc are all salesmen They are taught sales techniques and how to close a sale. Be wary. This industry uses a compensation model called Assets Under Management or AUM. A common rate is 1% but it is often higher...

Harlee, please note the link below. An internet broker who makes informative Medicare videos talks through this process. The reference to trial right exceptions is near the end of the video. The video may come up on its own.

Re: the sick duck pool and insurance companies closing the books on certain medigap policies as the cohort ages I've only read about this concept in newsgroups. Is this really a thing? Are there any information about this process outside of newsgroups? I am a volunteer SHIP counselor and...

Another Reader - your friend should call the California SHIP office and ask for assistance. A trained volunteer will perform a financial screen then layout her Medicare options in an unbiased manner. This could all happen within a week. The phone number is 1-800-434-0222. Website (same as...

I'm a volunteer SHIP Medicare counselor and would like to offer a couple of thoughts about IRMAA appeals. My wife and I have helped 7 or 8 beneficiaries file appeals this year and every one was approved. The process is very straight forward and doesn't take much time. There are 8 reasons...

I'm asking as a question not stating a position. It is my understanding that Long Term Care Facilities provide "custodial care" which is different from what Medicare pays for which are medically necessary services. Medicare will pay for medically necessary services for beneficiaries who are in...

We retired to Florida a couple of years ago and bought a house with a salt water pool. The pool has a cage (a screened enclosure that surrounds the pool and patio area). We also have live oaks and the cage prevents leaves from getting in the pool. This is our second pool and by far the...

I use my keyboard all day long and got sick and tired of the light flimsy keyboards that come with new computers. I purchased a Das Keyboard that should last through the next few new computers / rebuilds. There are several models but I chose the Professional 4 model below. The volume control...