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He is covered under my insurance and has been for decades as he is a small business owner.
My insurance for him is primary. He has Part A now but that only covers in patient (hospitalization). I will continue to work FT as I am 61 & my SS date to receive full SS is 66 yrs 8 months. If I stop working before then I lose $1 k a month in SS benefits. I too will enroll when I am 65 but that’s way off in my case.
I will never choose an Advantage plan.
I can’t wait to retire. The coming 5 years to wait seems like an eternity!
I looked into receiving early retirement at 62 but financially can’t sustain it. I would like to work part time @ 62 as I have worked since I was 15 yrs old & 40 years as a RN this past May. I am tired.
But that’s not to be so no sense even thinking about it so off to work I go...
I am not a broker but just a few things, I learned. There are two types of “add-ons” to Medicare. One type is a supplement. Supplements are for doctors and hospital expenses. They do not cover prescriptions. Or, teeth, or eyes - unless related to some specific medical condition. There are other supplements for prescriptions which are recommended if you go the supplement route. Teeth and eyes supplements usually have small coverage and waiting periods so do the math for break even on buying those. The company that you sign up with - within 90 days of your birthday who will provide either F or G supplement plans have to guarantee to cover you for life - as long as you keep your payments up. Supplements do cost $ but the monthly fee is usually lower than our dr visits or certainly a single day in a hospital.
The other option is Advantage plans. Some of these plans can be at $0 cost. But, you will have an out of pocket amount and copays. Some Advantage plans include prescriptions, teeth, and eyes. Some do have a monthly fee.
However, as our population ages - we are already seeing programs go away or leave certain zip codes. So, please consider the long term “assurance” of having coverage, as well as, the prospect of zero or lower monthly cost plus that out of pocket and copay.
I had to take an Advantage plan when I went on disability because the Supplement plan was price prohibitive. But, the Advantage plan ended up costing me a small fortune because of all of my out of pocket and copay expenses.
When I just recently turned 65, I participated in my 65 enrollment and immediately chose Supplemental plans for my coverage. I’m paying monthly premiums - but no more big surprises except maybe my teeth.
Everyone’s personal situation is different and your husband’s company may carry you both into and after retirement. Even so - this is rare today and we’ve already seen plans go bankrupt and stop the coverage for retirees. So, each situation has to be evaluated for your specific circumstances.
Good luck! And, please get professional help. They are paid by the insurance companies - not by you. Some organizations provide free help and are not incented by one plan or another.
I did stop dying my hair awhile back. I got tired of the expense. I earned my silver hair!
There are some people who never stop dying their hair and that’s okay too. Some people look fine with dyed hair until they die. It just depends. Blondes get away with it better. Dark hair can look a bit fake or harsh.
Don’t kid yourself thinking it’s just women. Lots of older men dye their hair and get face lifts, manicures too, just like women do.
Not a fan, not my cup of tea but Wayne Newton comes to mind. Geeeeez, in his 70’s with jet black hair! Alrighty then. Don’t think so! Plastic surgery disaster!
Look at George Clooney. So good looking! I think he is more handsome now than he was younger. He looks fantastic with his salt and pepper hair!
Good to know. Geeeez. There is a lot to prepare for. Thanks. Not used to thinking about myself! Took care of mom for so long.
But I am not getting any younger! We have more years behind us than ahead. We are approaching this Medicare stage very soon!
Can this be done online or must I go into the physical building? Just wondering.
The advantage plans SOUND so wonderful...why do you think they are running all those commercials...promising you the world...but you will be limited in your choices and they will dictate all the conditions of who what when where and why...IF your providers are listed, lucky you...but that's today...what if they drop out tomorrow? Or maybe to you, it doesn't matter...so it could be a good thing.
My folks have Medicare and then United Health Care thru AARP of which they are members...it seems to be a good way to go and I have found their staff to be responsive, helpful, and speak clearly:-)
We can't be without the health coverage, but I will say I just dropped my workplace offered dental/vision combo. We had switched plans and so we had one where if you saw someone out of network (all of my providers are) of course it paid less and of what THEY determined was allowable at 80%, after a deductible...so when I sat down and did some math I found my premiums and my out of pocket for just one visit totaled about $850. The out of pocket was $514. It's a scam. The vision part: they had one on-line provider. More discount because they were IN network. Check it out with another place I'd used before...and even with the discounts at the in network, with a discount from the out of network I'm still saving about $50.
Caution is the word:-)
SHIPs are free, state counseling services that help seniors understand their Medicare, Medicare Advantage, Medigap (Medicare Supplemental Insurance) and Medicaid benefits. Anyone with Medicare related questions is free to call a SHIP's counselor even if they are not currently enrolled in Medicare.
https://www.payingforseniorcare.com/longtermcare/resources/state_health_insurance_programs.html
I am 63 and have already talked to our local Social Security (SS) office about dates for SS which for me is after my 66th birthday. So I need my Medicare to start at age 65. Be careful (I learned ) about the dates for when Medicare should start withdrawing payments. Something to do with your birth date- early in the month or later in the month.
My employer’s retirement company is Fidelity. I recently talked with them about Medicare and SS and learned important details. Fidelity has been offering Live Webinars with their staff for question and answers. Be sure your husband is set up for email offers or check with his retirement/HR Dept to guide him and you.
My local Senior Center offers offers information sessions on Medicare and SS too which were helpful.
I know other people answered with the same guidance so all good info!
Check with his HR department right away. Follow what they tell you to do. You can get hit with lifelong financial penalties if you mess this up.
Medicare is individual, so there is no more " being on his policy" for either Part A or B. I made this mistake last year.
His company probably requires him to get Part A at age 65 as his primary insurance. You need to find out if you are automatically covered until YOU are 65.
If he doesn't required Part B because he can show comparable coverage, there is a form that will need to be filled out by HR proving that he had that coverage. Same for you when you turn 65.
Get the book "Medicare for Dummies" and read it. It will help you understand what I mean.
My husband is a UAW retiree. We both get Medicare and the UAW supplies our supplimental, me paying a small sum a month to cover me.
Some employees can continue with full coverage if still working but I would contact Medicare to see how that needs to be handled. Medicare charges more monthly if a person didn't take it at 65. I think there is an allowance made if the person continues to work.
When u get this info together, call your Office of Aging and ask if they help people "sort" all this out.
The retirement insurance might be a bit different than the one he has while working.
There are counselors you can talk to about what policies are better for you.
Also contact the retirement board and see what the requirements are.
I know with my insurance I can not get a supplement as it will drop other parts of my coverage.
So it all depends on how the retirement policy is worded.
He’s still working. I stopped working. I just started thinking about it because we will be 65 next year. Guess I could have looked into it sooner but it wasn’t on my mind.