Advertise Here - SUPPORT TMF

Author Topic: Tuesday - February 23, 2021  (Read 180 times)


  • Modeler's Hero 500+ Posts
  • *
  • Posts: 1549
  • Karma: +1/-1
    • View Profile
Re: Tuesday - February 23, 2021
« Reply #15 on: February 23, 2021, 10:59:10 AM »
Good morning. Bright sunshine in the 50-60’s next two days in Central Virginia. Installing turntable and roundhouse addition this week (I hope!). Nothing seems to go exactly as planned.
Jim Mueller
Westchester and Boston Railroad


  • Modeler's Hero 500+ Posts
  • *****
  • Posts: 557
  • Karma: +0/-0
    • View Profile
Re: Tuesday - February 23, 2021
« Reply #16 on: February 23, 2021, 12:49:50 PM »
good afternoon,

the snow continues, but it is melting and turning into slush. A first sign of Spring - SLUSH!


  • Modeler's Hero 500+ Posts
  • *****
  • Posts: 3283
  • Karma: +0/-0
    • View Profile
Re: Tuesday - February 23, 2021
« Reply #17 on: February 23, 2021, 01:24:34 PM »
Doug, I just went through the Medicare decision cycle.  I'm putting this here since others might be interested in my observations.

1st choice:  Medicare supplement vs Medicare advantage.   The latter work like HMOs, they can limit your choices, but they often provide additional benefits.  The Supplement plans come in several flavors of what they cover.  I ended up going with a supplement, and with a relatively comprehensive (and more expensive) supplement plan.  One thing my plan includes is some coverage for travel, although I'll probably also get a travel medical policy whenever we go overseas (assuming we get to travel at some point in the future....  >:(  )   See

2nd choice:  I worked with an independent insurance broker.  We used the Medicare website to compare plans in our state (NH), looking at costs and coverage.  I went with the plan she recommended.  It wasn't the cheapest, but she said about that cheaper option "Their costs vary over time.  Sometimes they want more people to sign up, so they're cheaper.  Other years they cost more.  With the plan I recommend, the cost has stayed the same over the last several years."  An additional advantage (no pun intended) was that plan came from Anthem, who is my current insurance (employee) carrier.  The Medicare website provided good cost-benefit summaries for these plans, both supplements and Advantage. 

3rd choice:  Then I used the Medicare site to pick a prescription drug plan.  I entered in all my prescriptions and where we get our prescriptions, and then just picked the cheapest plan.  There are variations in what each plan covers for each drug, and in which pharmacies they work with.  I looked at total cost (including deductibles, 'donut hole', etc, etc.)  There was a fair amount of variation in costs across the dozen or so plans, but the two cheapest plans were pretty close in cost. 

Overall, it was worth it for me to work with an insurance broker (she previously helped me get individual insurance after I retired and moved to NH, before I was old enough for Medicare.)

Medicare is awfully complex (I guess not surprising for a government benefit program), working with a broker to understand the decisions is definitely a good idea.  Do spend some time on the website, to get familiarity with terms, etc.  Once you get the general gist of what the decisions are, the site provides great tools for comparison shopping on costs. 

You really need to make these decisions and apply before the first day of your birth month.  There are nasty continuing penalties if you start late.  And of course it takes time to do the registrations and get your cards, etc.  One thing I learned:  Medicare costs is not based on previous year's taxable income, but on lifetime taxable income.  (That's why my Medicare costs more than my wife's.)    It was about 4 weeks from the time I did all the applications until I got the various membership cards and initial bills.  I'm now good-to-go for my first Medicare appointment (which happens to be on March 1, a previously scheduled physical.)

Modeling the Northeast in the 1890s - because the little voices told me to

Opa George

  • Modeler's Hero 500+ Posts
  • *****
  • Posts: 1319
  • Karma: +0/-0
    • View Profile
Re: Tuesday - February 23, 2021
« Reply #18 on: February 23, 2021, 01:44:13 PM »
I'm the late check-in today.  Under one year to retirement--yippee!. Even a year or two ago I thought I would work full-time well into my 70s, but the past year or so kicked my rear-end, psychologically.  I'm out at 65.

On Medicare, I know it's a maze, but I have an ace up my sleeve. My wife does insurance authorizations for a large medical office. She knows plans inside out and upside down. She has stories of how some insurance providers fight payment tooth and nail and require medical offices to jump through multiple hoops before they will authorize procedures and surgery, while others authorize everything with minimal paperwork. She's already told me we'll pick together next year, when I'm ready to choose. 

--Opa George
George Nagle
Harrisburg, PA
Twin Mountain Barge & Navigation Company


* Don't Be Shy... Say Hi

Refresh History
  • ReadingBob: Will Punxsutawney Phil see his shadow today?
    February 02, 2021, 06:50:40 AM
  • S&S RR: Is it Spring yet!
    January 09, 2021, 08:59:29 AM
  • Lynnb: Hi everyone
    December 04, 2020, 06:24:58 PM
  • Rail and Tie: TOM IS GETTING BETTER, YEH!!!
    December 03, 2020, 02:01:12 PM
  • Rusty Robot: Christmas tree is up.
    December 02, 2020, 04:11:50 PM
  • mainj: it's ok to play Christmas music now...
    November 26, 2020, 04:57:21 PM
  • NEMMRRC: Gobble gobble !!
    November 26, 2020, 06:05:56 AM
  • S&S RR: Fall is here
    September 27, 2020, 08:31:43 AM
  • mainj: hot out there
    July 30, 2020, 02:14:59 PM
  • S&S RR: Nothing to shout about - I like it here
    July 07, 2020, 10:37:55 AM
  • Larry.h: Trying to get ahold of admin regarding a database error. Sent email and PM.
    May 16, 2020, 02:18:03 PM
  • Blazeman: Blazeman:  Curious to know the locations being considered for the next EXPO.
    May 04, 2020, 07:21:00 AM
  • ReadingBob: No point in even asking when the next EXPO will be now.   :(
    May 01, 2020, 06:49:47 AM
  • Rail and Tie: Echo!  Echo!  Echo!
    April 29, 2020, 07:19:00 PM
  • Rail and Tie: Hey Jaime, its like our own little room here on the forum!!
    April 29, 2020, 07:18:37 PM
  • NEMMRRC: I like the new forum logo with the mask
    April 24, 2020, 05:28:07 PM
  • Rail and Tie: I like Jimmy's touch on the forum logo!
    April 22, 2020, 10:13:06 PM
  • S&S RR: Stay safe!
    April 07, 2020, 08:24:50 AM
  • Rail and Tie: Please respond to our Foundation Poll!
    March 02, 2020, 05:33:07 PM
  • S&S RR: Great modeling weather.
    February 13, 2020, 07:49:18 PM

* Recent Posts

Re: Friday 05MAR2021 by jrmueller
[Today at 08:52:22 AM]

Re: Friday 05MAR2021 by JusticeCity
[Today at 08:42:27 AM]

Re: Friday 05MAR2021 by GPdemayo
[Today at 08:41:33 AM]

Re: Friday 05MAR2021 by Jim Donovan
[Today at 08:35:57 AM]

Re: Lake Region first build J Keen by Rusty Robot
[Today at 08:23:58 AM]

SimplePortal 2.3.7 © 2008-2021, SimplePortal