I'm 73 years old. I've had a MA plan for 8 years. I pay no premium other than the usual part B Medicare premium that everyone pays. My oop for primary care physician is $0. My oop for a specialist is $15. A few years ago I had a hip replacement, my oop was $500. I have my teeth cleaned twice a year for an oop of $0. In the past 8 years I've had two dental crowns, again my oop was $0.
I'm a South Carolina resident and I spend my summers in upstate New York, I have a primary care in each location and have no problem obtaining good doctors in both locations.
By my accounting my wife and I have probably saved about $50,000 over an 8-year period for medigap premiums we didn't have to pay.
I borrowed that figure from Mr Quinn, in his reply to Randy Dobkin he states "a couple is already playing $8800 + in medicare and medigap premiums". So not from the internet. Maybe Mr Quinn's figures are not factually true.
Kathy, I've enjoyed and found your CCRC information very valuable over the years. You have shared that your CCRC is in NC. Would I be wrong if I guessed it is in Cary?
Bonds pay interest, not dividends, that is taxed at ordinary income tax rates. Stocks pay dividends and if 'qualified' are taxed the same as long-term capital gains rates.
Comments
I'm 73 years old. I've had a MA plan for 8 years. I pay no premium other than the usual part B Medicare premium that everyone pays. My oop for primary care physician is $0. My oop for a specialist is $15. A few years ago I had a hip replacement, my oop was $500. I have my teeth cleaned twice a year for an oop of $0. In the past 8 years I've had two dental crowns, again my oop was $0. I'm a South Carolina resident and I spend my summers in upstate New York, I have a primary care in each location and have no problem obtaining good doctors in both locations. By my accounting my wife and I have probably saved about $50,000 over an 8-year period for medigap premiums we didn't have to pay.
Post: Keep an eye on Medigap policies
Link to comment from September 27, 2026
I borrowed that figure from Mr Quinn, in his reply to Randy Dobkin he states "a couple is already playing $8800 + in medicare and medigap premiums". So not from the internet. Maybe Mr Quinn's figures are not factually true.
Post: Keep an eye on Medigap policies
Link to comment from September 27, 2026
Just go with a Medicare Advantage plan and save yourself the $8000 a year in premiums.
Post: Keep an eye on Medigap policies
Link to comment from September 27, 2026
Kathy, I've enjoyed and found your CCRC information very valuable over the years. You have shared that your CCRC is in NC. Would I be wrong if I guessed it is in Cary?
Post: Continuing Care
Link to comment from September 9, 2026
You must be referring to the ILLEGAL immigration crackdown?
Post: Percentage that “age in place”
Link to comment from May 28, 2026
I continually hear "tax the rich, tax the rich"! How many Americans are aware that the top 10% pay over 70% of all federal income tax?
Post: Billionaires, taxes and you
Link to comment from May 27, 2026
Bonds pay interest, not dividends, that is taxed at ordinary income tax rates. Stocks pay dividends and if 'qualified' are taxed the same as long-term capital gains rates.
Post: Dividends Part II – At least
Link to comment from August 24, 2025
Long term capital gains rates
Post: Dividends Part II – At least
Link to comment from August 24, 2025
Identical to capital gains rates.
Post: Dividends Part II – At least
Link to comment from August 24, 2025
Poster also should explore the difference between callable and non-callable CDs.
Post: Online Banks
Link to comment from August 24, 2025