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Thread: Retirement now visible on the horizon!

  1. #21
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    So, having just celebrated my birthday, my countdown is under a year! Haven't picked a specific "last day", but I'm counting at about 361 days to go! LOL.
    To give pleasure to a single heart by a single act is better than a thousand heads bowing in prayer." Mahatma Gandhi
    Be nice whenever possible. It's always possible. HH Dalai Lama
    In a world where you can be anything - be kind. Unknown

  2. #22
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    Just touching base with this again. Time is sort of going by quickly and sort of not - lol. I still have all the medical stuff to investigate. THAT seems daunting! I usually just "shut down" and go do something else. But, I know I will have to face it soon. Have been making decent strides in continuing to declutter the house. Still so much, but - again - I don't live alone. LOL.

    Financially, have been plugging as much as possible into savings. Will have enough to upgrade my car (buying a siblings hybrid soon!) so that I will have a more reliable ride - especially if we end up moving further away from family.

    That's really about it. Having a count-down is actually pretty terrifying!!!
    To give pleasure to a single heart by a single act is better than a thousand heads bowing in prayer." Mahatma Gandhi
    Be nice whenever possible. It's always possible. HH Dalai Lama
    In a world where you can be anything - be kind. Unknown

  3. #23
    Senior Member iris lilies's Avatar
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    Quote Originally Posted by happystuff View Post
    Just touching base with this again. Time is sort of going by quickly and sort of not - lol. I still have all the medical stuff to investigate. THAT seems daunting! I usually just "shut down" and go do something else. But, I know I will have to face it soon. Have been making decent strides in continuing to declutter the house. Still so much, but - again - I don't live alone. LOL.

    Financially, have been plugging as much as possible into savings. Will have enough to upgrade my car (buying a siblings hybrid soon!) so that I will have a more reliable ride - especially if we end up moving further away from family.

    That's really about it. Having a count-down is actually pretty terrifying!!!
    very exciting!

    if you were talking about Medicare, yes, that is daunting, all those alphabet choices.

    We went to a Medicare broker. The broker is paid by the insurance company. I’m sure that adds to our cost but it was worth it just to get some clarity for a few years. Now I will confess we have never changed our policies.

    Besides all the alphabet coverage that you’re confronted with, there’s this thing called “Medicare advantage.“ It is a different kind of health insurance. The government dangles all kinds of incentives to people to sign up for Advantage plans. I would just caution you to be aware of the “gotchaS” in these Advantage plans. The rules of these plans are set by your state so they do very state-by-state.
    Last edited by iris lilies; 7-28-24 at 10:19pm.

  4. #24
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    Quote Originally Posted by iris lilies View Post
    very exciting!

    if you were talking about Medicare, yes, that is daunting, all those alphabet choices.

    We went to a Medicare broker. The broker is paid by the insurance company. Ensure I’m sure that adds to your cost but else it was worth it just to get some clarity for a few years. Now I will confess we have never changed our policies.


    Besides all the alphabet coverage that you’re confronted with, there’s this thing called “Medicare advantage.“ It is a different kind of health insurance. The government dangles all kinds of incentives to people to sign up for Advantage plans. I would just caution you too be aware of the “gotchaS” in these Advantage plans. The rules of these plans are set by your state so they do very state-by-state.
    Thanks, IL. Yes, all the alphabets are daunting. And I have not heard very good things about "Medicare Advantage"; basically that if you select the appropriate medicare plan(s) for yourself, it really isn't needed. I also have to work the VA into all of this. Right now, the VA is my primary caregiver/medical - with my work insurance being secondary.
    To give pleasure to a single heart by a single act is better than a thousand heads bowing in prayer." Mahatma Gandhi
    Be nice whenever possible. It's always possible. HH Dalai Lama
    In a world where you can be anything - be kind. Unknown

  5. #25
    Senior Member gimmethesimplelife's Avatar
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    Congrats! This is going to sound so odd coming from me, but given how the house I own 1/2 of in Phoenix has risen in value but if SO and I were to sell we could live somewhere less expensive on a retirement visa for an extended period of time. The thought stuns me. I hope you are not stunned but are actively embracing this new phase of your life. Rob

  6. #26
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    Happy, if you are on VA are you on Tricare? I'm sure that will be the determining factor, right?
    Maybe this will help?
    ​​Do I Have to Enroll in Medicare at 65 if I Have Tricare?​​ (aarp.org)

  7. #27
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    Quote Originally Posted by Tybee View Post
    Happy, if you are on VA are you on Tricare? I'm sure that will be the determining factor, right?
    Maybe this will help?
    ​​Do I Have to Enroll in Medicare at 65 if I Have Tricare?​​ (aarp.org)
    Had to look it up, but - no, I'm not on Tricare. I am not military retired, just a veteran.
    To give pleasure to a single heart by a single act is better than a thousand heads bowing in prayer." Mahatma Gandhi
    Be nice whenever possible. It's always possible. HH Dalai Lama
    In a world where you can be anything - be kind. Unknown

  8. #28
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    Quote Originally Posted by happystuff View Post
    Had to look it up, but - no, I'm not on Tricare. I am not military retired, just a veteran.
    When I hit 65, I read in here to see what people I respected had done and I just did what Catherine did and it's been great--signed up for original Medicare and the AARP Plan G supplement. (Plan F was no longer available.)

    I pay the 175 for part B directly out of my Social Security Check. I am auto billed 240 a month for the supplement. This amount will vary depending on where you live.

    So not cheap but the deductible is around $240. Once you pay that, the rest is picked up by the two plans.

    I get the cheapest drug plan which is around 10 dollars a month and is also taken out of Social Security.

    So on my husband's recent bill (he is on same plans as I am) for his hip replacement, it said, cost $45,000, your portion $45.

  9. #29
    Senior Member iris lilies's Avatar
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    Quote Originally Posted by Tybee View Post
    When I hit 65, I read in here to see what people I respected had done and I just did what Catherine did and it's been great--signed up for original Medicare and the AARP Plan G supplement. (Plan F was no longer available.)

    I pay the 175 for part B directly out of my Social Security Check. I am auto billed 240 a month for the supplement. This amount will vary depending on where you live.

    So not cheap but the deductible is around $240. Once you pay that, the rest is picked up by the two plans.

    I get the cheapest drug plan which is around 10 dollars a month and is also taken out of Social Security.

    So on my husband's recent bill (he is on same plans as I am) for his hip replacement, it said, cost $45,000, your portion $45.
    we have a G plan as well.


    DH’s appendicitis cost around $30,000 and he paid $0. If he paid a small deductible, it didn’t register with either one of us.

  10. #30
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    Thanks! I'm taking notes. LOL
    To give pleasure to a single heart by a single act is better than a thousand heads bowing in prayer." Mahatma Gandhi
    Be nice whenever possible. It's always possible. HH Dalai Lama
    In a world where you can be anything - be kind. Unknown

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