Sometimes getting it done efficiently is knowing where to go to get needed information bypassing all the hoops.
For permitting I have a person I call.
For old time maps and plats of local mines, railroads, I have a person.?ÿ
For title questions I have a person.?ÿ
And for water I must have close to half a dozen.?ÿ
For engineering I have a guy.?ÿ
For the computers I have a guy (that one I pay).
For all this I trade back and forth info and such and do some favors.
But I found myself completely out of my zone now that I need Medicare. I talked to some that have recently gotten it and kept getting the same advice, go to this seminar, be proactive, research what you need to do, do it early.?ÿ
Advice doesn't do any good if you only listen to it but don't do it, I didn't do any of it.
I found myself on vacation well passed the timeline I was not supposed to go beyond. So relaxing on vacation I started to research on my phone and started calling. Probably spent an hour or so on hold but what the heck, put it on speaker. After a few frustrating encounters I lucked out. I got a local agent and she explained exactly how to do it, said if I could stop by she would walk me through it, of course I couldn't stop by until I got back, then the virus shut down her office. Still, yesterday after I got my number (that took a few weeks but is the first step) she worked me through it and within five minutes it was done. Now I'm signed up.?ÿ
All on the phone.?ÿ
Another so proud day!!! I have my Medicare number, my supplemental insurance and I'm ready to face the big wide world again.
It was easy, but only cause someone explained it to me. On my own I was very confused. This time I was lucky stumbling on the right person and getting a direct phone #.
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Congrats.?ÿ It's a good thing.?ÿ What they didn't tell you is how many people will burn up your phone line trying to get you signed up for crap you probably don't need...just because Medicare will pay for it.?ÿ
I had one colonoscopy before I signed up for Medicare.?ÿ For five years now, every time I turn around someone is on the phone wanting to corral me so they can stick their hoobajoo up my butt.
That goes away with age. Age 75 and beyond, docs think the risk is greater than the reward, so, unless you're high risk for colon cancer for some reason, they'll leave you alone once you pass that magic number.
I hope you obtained a supplemental policy that covers what Medicare doesn't. It's cheap, and if you're accident prone like me, it's worth it. Already fell halfway off a ladder during quarantine while replacing a circuit board in one of the garage door opener's. Only thing broke was a lightbulb. ???? ?ÿ
@flga
I did, it is cheap, my costs per month will go down $200 and that was cheap cause I was a rider on SWMBO's insurance. I wrote her a check each month to cover my insurance so now I'm going to be in the money.
There's a new PSA testing method called the Prostate Health Index (PHI), no finger just blood. No more panicking while in the exam room waiting for the Doctor and notice all the exam gloves are XXXL. ????
My sisters found this amazing place for my mother, run by the Good Samaritan Society. They not only do long term health care but also offer insurance, so I looked into it a couple of years ago thinking I was going to need different insurance. I made the mistake. I put my info in cause it was the only to find out and holy smokes!!!! For the last year and a half I get phone calls non-stop. I've tried to explain to them I don't need their insurance, stop calling me, this is a business phone, put me on your no-call list. I would say 15/day on average. But they have tailed off, I'm assuming once I reach the magic age it will start up again. I'm low risk so maybe one more colonoscopy for me, fingers crossed.
@flga
A man your age up on a ladder?
You're makin' it too easy for your wife..I bet she knows exactly which drawer holds your life insurance policy. 😉
I was also confused about the whole Medicare thing, but I made sure to enroll as soon as I was eligible.?ÿ I stayed with my HMO (Kaiser Permanente) under their Medicare Advantage plan, and it's been seamless.?ÿ Minor differences in co-pays, other than that no difference except that it costs me about $600 less per month overall.
@paden-cash That reminds me of one of Jerry Clower's routines. He said his wife talked him into having a colonoscopy. He said that doctor stuck a .410 shotgun barrel up where it didn't belong. He was good enough to remove the bead on the end of that barrel though. He said he told his wife that if she EVER let them do that again she was completely cut out of his will. (He was a LOT better at telling tales than I am).
Andy
Find a young spouse with a good insurance plan.?ÿ Then get your number and sign up for the free hospitalization, forget the rest.?ÿ All over the phone or computer.?ÿ Easy as can be if you ask the right questions.?ÿ No need for the other supplements if you have the young spouse with a good insurance plan.
Don't tell my wife.................trading her in for a younger model with a good insurance plan when she retires.
@holy-cow I (we) will have to look into supplementals next year. My wife will retire in February and our (good) insurance will go away.
Andy
Check into it ahead of that date as you may want to get signed up prior to the retirement. Very important.
Or.................start interviewing potential younger wives.
Find a young spouse with a good insurance plan.?ÿ Then get your number and sign up for the free hospitalization, forget the rest.?ÿ
Be very sure to sign up for a Part D (drug) plan as soon as you aren't covered for it by some other plan.?ÿ If you wait beyond that time and sign up later, you will pay a penalty for the rest of your life.?ÿ Some of those plans are pretty cheap.
