U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old Yesterday, 02:05 PM
 
Location: WA
5,399 posts, read 21,426,023 times
Reputation: 5913

Advertisements

The biggest underestimate for me was taxes...

- tax on RMD distributions.
- tax on SS payments.
- increasing property taxes.

Add it up and my estimate was clearly short.
Reply With Quote Quick reply to this message

 
Old Yesterday, 02:30 PM
 
Location: Boca Raton, FL
5,183 posts, read 8,711,965 times
Reputation: 6214
Smile Just a question...

Quote:
Originally Posted by Teacher Terry View Post
Medical and dental costs have been high. We switched from charter cable to AT&T for cable and internet. In 2 years when rates get to high we will switch again. Travel cost more than expected.
If you are on Medicare and have the supplemental plan, are the medical costs that much higher?

Are there a lot of things not covered?

Dental I can see.
Reply With Quote Quick reply to this message
 
Old Yesterday, 02:56 PM
 
Location: Atlanta
326 posts, read 512,952 times
Reputation: 533
Quote:
Originally Posted by Bette View Post
If you are on Medicare and have the supplemental plan, are the medical costs that much higher?

Are there a lot of things not covered?

Dental I can see.
I have Medicare Part B and my Blue Cross from my employer which I pay the same premiums as an FTE. My health care costs have gone way down. I pay $134 for Part B and $150 for BCBS and have zero out of pocket costs for any care I receive and no deductible costs. BC even gives me $600 a year since they are so happy to be the secondary payer. I have prescription costs but the BCBS plan pays for almost all of that. I have a vision plan from my previous employer and I can get dental if I want it.
Reply With Quote Quick reply to this message
 
Old Yesterday, 03:11 PM
 
Location: Central Mexico and Central Florida
7,116 posts, read 3,478,573 times
Reputation: 10209
Dental. Even though we have Delta Dental via my ex-employer. But I am dental phobic and require IV sedation for crowns, extractions. THAT is pricey!!

But luckily I overestimated everything else.

Retired at age 50 in 2003 and lived well with my pension (never touched the IRA monies). We got SS a few years ago and it's just gravy. We donate most of our SS checks to charities.
Reply With Quote Quick reply to this message
 
Old Yesterday, 03:11 PM
ERH
 
Location: Raleigh-Durham, NC
1,164 posts, read 1,644,909 times
Reputation: 2064
Quote:
Originally Posted by Bette View Post
If you are on Medicare and have the supplemental plan, are the medical costs that much higher?

Are there a lot of things not covered?

Dental I can see.
My dad's Medicare supplement runs $252/month and covers "everything that Medicare doesn't." That means that if it's an expense Medicare covers, but doesn't cover 100%, the supplement will cover the rest with no out-of-pocket costs.

Expenses not covered by Medicare (dental, some vision stuff) aren't covered by the supplement, either.
Reply With Quote Quick reply to this message
 
Old Yesterday, 03:16 PM
 
356 posts, read 95,083 times
Reputation: 896
Bette, I just turned 65 so I am only on Medicare A and B because DH is 60 so I had to stay on my employer insurance. This costs between 9-12k/year. My CPAP machine caused all my teeth to rot from the inside out so by the time it was discovered I lost my teeth. 33 k/ for the implanted bridge called 4 on 4 on the bottom and 4K for denture on top.
Reply With Quote Quick reply to this message
 
Old Yesterday, 03:35 PM
 
1,295 posts, read 1,752,749 times
Reputation: 712
Quote:
Originally Posted by mathjak107 View Post
dental by far for us .
Same ...i also over estimated our monthly electric costs after a move to Florida from Western N.Y.
Reply With Quote Quick reply to this message
 
Old Yesterday, 03:54 PM
 
Location: New Mexico
6,646 posts, read 3,700,783 times
Reputation: 12489
I've lived in three homes in two states since I retired. It is hard to estimate expenses that way but my car insurance is more than I anticipated. State taxes are a mess because no one will do withholding for my state tax. Most everything else is a bit lower. I tend to overestimate on major projects.
Reply With Quote Quick reply to this message
 
Old Yesterday, 04:44 PM
 
1,089 posts, read 526,180 times
Reputation: 1854
Quote:
Originally Posted by Teacher Terry View Post
Bette, I just turned 65 so I am only on Medicare A and B because DH is 60 so I had to stay on my employer insurance. This costs between 9-12k/year. My CPAP machine caused all my teeth to rot from the inside out so by the time it was discovered I lost my teeth. 33 k/ for the implanted bridge called 4 on 4 on the bottom and 4K for denture on top.
I bet the dental cartel is putting the fear of sleep apnea in everyone just like they’re trying to convince us gingivitis will give us heart disease.
Reply With Quote Quick reply to this message
 
Old Yesterday, 05:35 PM
 
Location: Scottsdale, AZ
7,774 posts, read 4,777,332 times
Reputation: 28465
Quote:
Originally Posted by Cabound1 View Post
I bet the dental cartel is putting the fear of sleep apnea in everyone just like they’re trying to convince us gingivitis will give us heart disease.
Is that remark really necessary?

I doubt anyone uses a CPAP device if they don't absolutely need it. Indeed, compliance is a big issue with patients.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply

Quick Reply
Message:


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top