Simplfied Medicare Sign-up

At first the decisions related to initially signing up for Medicare seem complex. For most people the decisions are actually simple. I suggest that at least one month before you turn 65 that you sign up for Medicare. I did the following, I recommend you do the same, unless you have atypical requirements.

Buy Medicare Parts A, B, C, and D

  • Sign up for parts A & B. Part A has no cost. The cost of Part B is only $104.90 in 2015. This gives you the basic coverage.
  • Sign up for Option F for part C (supplemental coverage) and for Part D (drug coverage). Supplemental coverage takes care of deductibles and a lot of other hidden or potential catastrophic costs.

Buy from AARP / UnitedHealthcare

Buy supplemental coverage (Part C) and drug coverage (Part D) from AARP/United Healthcare. AARP markets supplemental and drug coverage for UnitedHealthcare. Almost all other insurers pay sales commissions to insurance salesmen. My cost for both supplemental and drug coverage is about $400 per month.

Notice that you end up making three payments each month. The people who administer the supplemental and drug plans work for UnitedHealthcare, but you can’t pay a bill that combines supplemental and drug coverage. Be sure to automate your payments.

Note that I am not an expert (I am not certified or licensed in anything related to Medicare.) or a professional (No one pays me to sell you anything.). However, I would prefer to hold and state an informed opinion. If you disagree with my opinions and decisions, please feel free to post a comment.

If you’d like to be confused by way too much information, then go here: https://www.socialsecurity.gov/OP_Home/handbook/handbook.20/handbook-2015.html

Read This Book – The How of Happiness

Savannah-Selfie

Mississippi River, Savanna, IL

“Only about 10 percent of the variance in our happiness levels is explained by differences in life circumstances or situations — that is , whether we are rich or poor, healthy or unhealthy, beautiful or plain, married or divorced, etc.” from The How of Happiness by Sonja Lyubomirsky

The How of Happiness –

A New Approach to Getting the Life You Want

by Sonja Lyubomirsky

http://sonjalyubomirsky.com/

Borrow it, buy it, or I will give it to you.

  • Your local library probably has a copy on the shelf.
  • Today, Amazon will sell you the trade paperback edition for $11.53.
  • I will buy a copy for the first twenty people who ask for a copy and agree to write a brief comment (positive or negative) about the book.

Continue reading

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’tis the season to think about maintaining a web presence. I’ve had a DreamHost account hosting WordPress for a few years. Every so often I spend too much time writing a blog post, then lose interest. This marks my latest attempt to consistently write for and post to the web. I’m not too interested in a classic weblog in the form of a dated journal focused on a single topic and structured chronologically. For the time being I will be experimenting with WordPress and topics. Maybe after six months of consistently posting about semi-random topics, I’ll identify my passionate niche. Until then, I simply hope to do some work every day.