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Old 10-02-2017, 04:21 PM
 
71,458 posts, read 71,629,249 times
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Quote:
Originally Posted by Mr5150 View Post
Right on the prescription stuff. So it pays to shop carefully on the plan D. Our CalPers plan comes with a plan D and vision. We pay for a dental plan that's about $700 a year for the two of us.

I am curious how you save $2000 a year on a plan F high deductible when plan F costs $200 a month to start with. At least in CA.
f-plans are different prices in every state . an f-plan in ny is 289 a month that is 3468.00 a year . but we get no increase by age and we require no medical under writing to switch plans unlike other states .

we pay 1100.00 a year each for an f-plan with a 2k deductible but out of the 1100 my f-plan has silver sneakers so they are paying my 480 a year gym membership. it is a crazy bargain . we run tops about 300-400 a year in deductibles .
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Old 10-02-2017, 04:34 PM
 
Location: Sierra Nevada Land, CA
8,386 posts, read 9,131,891 times
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Quote:
Originally Posted by mathjak107 View Post
f-plans are different prices in every state . an f-plan in ny is 289 a month that is 3468.00 a year . but we get no increase by age and we require no medical under writing to switch plans unlike other states .

we pay 1100.00 a year each for an f-plan with a 2k deductible but out of the 1100 my f-plan has silver sneakers so they are paying my 480 a year gym membership. it is a crazy bargain . we run tops about 300-400 a year in deductibles .
Nice!

We have the same Silver Sneaker deal in CA. CA does not offer that high deductible F plan. Truth be told our CalPers supplement is more than your NY plan F, but I haven't seen a single medical bill since I turned 65. Could be well worth the higher cost if something major occurs.
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Old 10-02-2017, 04:37 PM
 
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my buddy at work used to brag to me about his low cost advantage plan .

he had so much surgery and very little in bills .

that was until his wife got breast cancer . the chemo had a 4500.00 deductible . it started the end of the year and it ran in to the next so he had almost 10k in deductibles .

then her knees gave out and she could not walk anymore and has been confined to a nursing home going on a year now at a cost of 120k a year .

nothing is ever a problem until it is a problem .
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Old 10-02-2017, 04:40 PM
 
533 posts, read 248,505 times
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There are also expenses related to medical conditions that might not come to mind unless confronted with the situation.

For example, my husband was not to mow grass for a year due to risk of infection from a compromised immune system from chemo. The cost of lawn service for the area around our house comes to over $500 per month.

For those who wonder why I'm not doing the mowing---we have 10 acres---I do my share but don't like doing the work around the house and the trimming.
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Old 10-02-2017, 04:51 PM
 
Location: Sierra Nevada Land, CA
8,386 posts, read 9,131,891 times
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Quote:
Originally Posted by mathjak107 View Post
my buddy at work used to brag to me about his low cost advantage plan .

he had so much surgery and very little in bills .

that was until his wife got breast cancer . the chemo had a 4500.00 deductible . it started the end of the year and it ran in to the next so he had almost 10k in deductibles .

then her knees gave out and she could not walk anymore and has been confined to a nursing home going on a year now at a cost of 120k a year .

nothing is ever a problem until it is a problem .
Yea it doesn't pay to go cheap. Wonder why the wife didn't get her knees replaced...

Quote:
Originally Posted by Nefret View Post
There are also expenses related to medical conditions that might not come to mind unless confronted with the situation.

For example, my husband was not to mow grass for a year due to risk of infection from a compromised immune system from chemo. The cost of lawn service for the area around our house comes to over $500 per month.

For those who wonder why I'm not doing the mowing---we have 10 acres---I do my share but don't like doing the work around the house and the trimming.
Yes...good point

Not everyone is lucky enough to have a 10 acre lot. Hopefully it'll just be for a year
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Old 10-02-2017, 05:01 PM
 
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Quote:
Originally Posted by Mr5150 View Post
Yea it doesn't pay to go cheap. Wonder why the wife didn't get her knees replaced...

Yes...good point

Not everyone is lucky enough to have a 10 acre lot. Hopefully it'll just be for a year
she is 75 and in terrible health .recovery would be very very long as knee replacements can be wicked as you age. not even something the doctors feel she would live long enough to enjoy .
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Old 10-02-2017, 05:38 PM
 
Location: Asheville NC
1,601 posts, read 1,311,930 times
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Quote:
Originally Posted by mathjak107 View Post
f-plans are different prices in every state . an f-plan in ny is 289 a month that is 3468.00 a year . but we get no increase by age and we require no medical under writing to switch plans unlike other states .

we pay 1100.00 a year each for an f-plan with a 2k deductible but out of the 1100 my f-plan has silver sneakers so they are paying my 480 a year gym membership. it is a crazy bargain . we run tops about 300-400 a year in deductibles .
Wow that is high. Our regular F plan is $134.00 a month. Will go up with age. We were given a table of expected increases- and at 10 years it was still less than $ 289. We have no deductible. How can they charge some zip codes so much??
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Old 10-02-2017, 05:54 PM
 
29,764 posts, read 34,848,700 times
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Quote:
Originally Posted by Mr5150 View Post
I keep reading on this forum about future medical expenses. For example, from another thread:



Sure, nursing home and inhome care, but "medical" expenses? Like what? Mrs5150 and I have Medicare and a CalPers supplement and pay $0 regardless of what befalls us. Same for my retired friends who have the plan F supplement.

Are these medical expenses the result of going cheap with one's supplements? Have I missed something?
We have LTCi along with great employer provided coverage as a supplement to Medicare. It is easier to prepare and have and not use than to be 80 and have events change need and not have. Fidelity recommends a dollar amount for couples in retirement for medical costs and we have that.
Our situation allows us to say why not!
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Old 10-02-2017, 05:58 PM
 
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Quote:
Originally Posted by funisart View Post
Wow that is high. Our regular F plan is $134.00 a month. Will go up with age. We were given a table of expected increases- and at 10 years it was still less than $ 289. We have no deductible. How can they charge some zip codes so much??
Ny is way more because there are no age increases as well as anyone can switch plans at enrollment with out having to be approved. Care is so much more here in nyc as well.
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Old 10-02-2017, 06:03 PM
 
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Nobody mentioned dental as a potential money pit. That can be costly. Mathjak grumbles about it occasionally.
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