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Old 04-12-2015, 04:42 PM
 
950 posts, read 714,360 times
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The draft lottery started in January of 1970.

Every male born before 1950 ( or over 65 years old) were under the old draft system where everybody got called.

In a retirement forum , I would think most posters are over 65.
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Old 04-12-2015, 04:59 PM
 
71,511 posts, read 71,674,131 times
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well i was #81 , i still remember but i am 62
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Old 04-12-2015, 06:42 PM
 
Location: Out there somewhere...a traveling man.
39,530 posts, read 47,699,472 times
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Quote:
Originally Posted by Escort Rider View Post
Ouch! I presume you are not yet on Medicare, because once you turn 65 and go on Medicare, your medical expenses are taken care of. Sure, there are still things like co-pays, or monthly premiums for Medigap policies, but all that doesn't amount to a hill of beans. So you have major savings to look forward to starting on your 65th birthdays!

Of course dental expenses are not covered by Medicare, so that's a whole different issue. Since turning 65 six years ago, I've had two implants at close to $4,000 a pop that I paid for out of pocket.
Not true. I've been on Medicare for 18 years. Medicare does not cover all illnesses and it also does not pay 100% for all illnesses. Secondary pays some of what Medicare does not pay. Under unusual circumstances or new types of drugs neither insurance will cover it.
Case in point, I need cataract removal and having turic lenses put in for severe astigmatism. Medicare does not cover that, and secondary does not either. I am out close to $4000 just for that. My wife has MS and on specialty drugs that Medicare or secondary do not cover. Those cost @ 30,000.Then there is the donut hole on approved medicines. All these can total up drastically and put a damper on retirement funds..
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Old 04-12-2015, 08:22 PM
 
Location: Retired
648 posts, read 497,092 times
Reputation: 1057
Quote:
Originally Posted by jrkliny View Post
As long as we are complaining, I just got hit with a huge cost for new eyeglasses. I used to have glasses through my health plan that required Davis Vision. They were absolutely horrid. Coatings pitted and pealed at about 18 months. I went through that for 12 years. I tried Lenscrafters but those lenses seemed prone to scratches. I tried Costco. The coatings seem good, but the lenses cracked and were replaced at 9 months and now a year later the replacements also cracked. I suppose it could be the frames but either way the glasses did not work out.

Any suggestions for good quality at a reasonable price?
Shop Prescription Glasses Online | EyeBuyDirect
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Old 04-12-2015, 09:28 PM
 
8,976 posts, read 8,099,396 times
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You can buy medigap policies along with Medicare that will solve the medical problems. There is the donut hole for medicines so there is a need for a few thousand to cover that if you take a lot of medecine like I do.

Good full insurance costs a little more, but it saves in the long run when you really need it. We lost a daughter last year, and her last month was spent in a hospital, and cost over one third of a million dollars. Luckily it was 100% covered as she had good insurance coverage.

Trying to cut rate the insurance is the big mistake a lot of seniors make, and when they get hit like my daughter did, it takes their whole estate.
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Old 04-12-2015, 10:01 PM
 
Location: San Antonio
7,629 posts, read 14,375,850 times
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I need way less than when I was working to live on being retired now, but with hubby still working, there is an "ease on into it" retirement plan for us...he has 3 more years to work. Since we get my retirement check, and when he retires will get his retirement check, plus our TSP accounts (which we hope not to touch), along with his military retirement, and TRICARE health benefits (then Tricare for life once we hit 65), and our social security checks, retirement income should be something we can live off of and save the TSP for emergency needs. Being able to enjoy our golden years has been our goal, and God help us we will be able to together in just 3 more years.
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Old 04-13-2015, 03:09 AM
 
71,511 posts, read 71,674,131 times
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Quote:
Originally Posted by wit-nit View Post
Not true. I've been on Medicare for 18 years. Medicare does not cover all illnesses and it also does not pay 100% for all illnesses. Secondary pays some of what Medicare does not pay. Under unusual circumstances or new types of drugs neither insurance will cover it.
Case in point, I need cataract removal and having turic lenses put in for severe astigmatism. Medicare does not cover that, and secondary does not either. I am out close to $4000 just for that. My wife has MS and on specialty drugs that Medicare or secondary do not cover. Those cost @ 30,000.Then there is the donut hole on approved medicines. All these can total up drastically and put a damper on retirement funds..
for most when they talk about how cheap their medical insurance is it just means it hasn't nailed them yet.

my co-worker bragged about his advantage plan costing so little until he had a heart attack while away in florida away on vacation and had little coverage away from home..

another co worker had one of those zero premium advantage plans that are basically pay as you go.

well chemo had a 5500.00 co- pay when his wife had breast cancer..


this is why we are taking a high deductable f-plan.
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Old 04-13-2015, 04:55 AM
 
Location: UpstateNY
8,612 posts, read 8,297,923 times
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wit-nit, have you looked into getting your wife's meds from another country? Most meds aren't manufactured here anyway so it's not like sacrificing quality.

IDK if this will help anyone's particular scenario, but I save a ton on dental, chiro, Rx and vision with the Aetna Vital Savings discount plan. 12.99/mo for a FAMILY, it is a discount plan that nets you 25percent off.
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Old 04-13-2015, 07:37 AM
 
6,239 posts, read 4,721,373 times
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Quote:
Originally Posted by VJDAY81445 View Post
My healthcare cost besides Medicare is ZERO.

I get excellent healthcare thru the VA.........recently had a hip replacement at a new non -VA hospital ( new VA program ) and my cost was ZERO


Yup, some guys my age gloated that they got a college deferment, some gloated because they tucked their tail between their legs and ran to Canada.

Well, at least I am not paying ....."17k" or "25k" per year in healthcare expense.

I can't believe so few of you male retired posters never served. The draft was in effect for most of you.
Unfortunately, VA healthcare benefits are based on need. The VA is great if you have low assets and low income. VA coverage does not extend to spouses. In addition to the well-known issues with wait times, in some areas getting services can be difficult due to the limited number of facilities. It turns out that the year in Vietnam and the 2 years of service really don't give me any useful benefits.
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Old 04-13-2015, 07:51 AM
 
8,191 posts, read 11,905,691 times
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Quote:
Originally Posted by VJDAY81445 View Post
I can't believe so few of you male retired posters never served. The draft was in effect for most of you.
Quote:
Originally Posted by VJDAY81445 View Post
The draft lottery started in January of 1970.

Every male born before 1950 ( or over 65 years old) were under the old draft system where everybody got called.

In a retirement forum , I would think most posters are over 65.
And you would be wrong.

You might want to try reading more and posting less. Or at least take that chip off your shoulder before attempting to type.

Many posters here, including me, are in their 50s and early 60s. Some are even younger.
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