Lucretia Ryan

Comments

• Or you can buy cheap reading glasses in bulk and leave them all over the house as I do.

  Post: Help Me Out People—Is This Just Me?

  Link to comment from January 8, 2026

• Wow. I learned something new about the ERISA protection of the 401k vs an IRA if you are involved in a lawsuit. Thank you. That's very helpful

  Post: Consolidating 401(k)s in retirement

  Link to comment from January 8, 2026

• Yes my friend was asked if she was going to need surgery. She didn't think so,so she replied that she didn't. But when she reviewed her records she saw her doctor said that if the shots in her knees didn't work then she would need surgery. So the insurance company could deny paying for her surgery in the future.

  Post: What I Learned Trying to Leave an Employer-Sponsored Medicare Advantage Plan

  Link to comment from November 20, 2025

• Right. A friend had breast cancer and her bill was $1 million dollars. Since she had Original Medicare plus a G supplement all she had to pay was her $257 deductible.

  Post: What I Learned Trying to Leave an Employer-Sponsored Medicare Advantage Plan

  Link to comment from November 20, 2025

• Once you sign up for Medicare Advantage, you no longer have Medicare. If she didn't renew her Employer sponsored Medicare Advantage and she couldn't get a Medicare Supplement to accept her, she could have gone to Original Medicare but there is a big gap on what isn't covered by Original Medicare. It is too big a risk to take Original Medicare without a Medicare Supplement (also called a Medigap plan).

  Post: What I Learned Trying to Leave an Employer-Sponsored Medicare Advantage Plan

  Link to comment from November 20, 2025

• I'm glad you've had positive experience with Kaiser Medicare Advantage. However the key things to keep in mind is that may not be everyone's experience. Kaiser as with any Medicare Advantage plan you need prior authorization for many procedures. In addition even though your plan may be a PPO you may only be able to see the doctors and hospitals in the Kaiser network. Even if your Kaiser plan says you can go out of network, that is only if the out of network provider is willing to take the out of network plan. Many top hospitals and specialist won't. For me, if I'm sick I want to be able to go to the top hospital, see the top specialist, without any prior authorization any where in the country to improve my healthcare outcome. If you're not too sick, Medicare advantage plans may work out fine. But I like to go with the higher odds of Original Medicare and a G Supplement.

  Post: Don’t make the wrong Medicare decision

  Link to comment from October 26, 2025

• I think it is risky. You're better off getting a High Deductable G plan and investing the difference. Also unless you live in New York, Mass, Maine or Conn you may not be able to find an insurance company that will sell you a supplement because of pre existing conditions, https://www.financialfreedomforwomen.org/healthcare/surprise-your-medicare-coverage-isnt-guaranteedheres-what-you-need-to-know

  Post: Don’t make the wrong Medicare decision

  Link to comment from October 25, 2025

• Thank you. Thanks for pointing out how the current administration is bringing prior authorization to Original Medicare. The federal government (CMS) will choose and pay companies a percentage of the healthcare that they deny using AI https://www.financialfreedomforwomen.org/healthcare/a-major-medicare-protection-just-vanished However it there is still no comparison to the thousands of procedures that require prior authorization in Medicare Advantage

  Post: Don’t make the wrong Medicare decision

  Link to comment from October 25, 2025

• I would be very careful about choosing a health plan that is not on the ACA marketplace. You could be charged with a huge bill because they don't follow the rules of the ACA. Here is an article I wrote. https://www.financialfreedomforwomen.org/healthcare/retiring-before-65-how-to-avoid-health-insurance-nightmares

  Post: Healthcare Insurance Alternatives to Covered California Marketplace

  Link to comment from October 17, 2025

• Good article. Thank you for sharing. I'm all for reducing waste and unnecessary treatment but the CMS should hire doctors on a salary to determine if it is necessary not hire a for profit company that is only receives commission when they deny care. Denying care is exactly how the Medicare Advantage companies make money. https://www.financialfreedomforwomen.org/healthcare/did-prior-authorization-killnbsp-a-ceo

  Post: A major Medicare benefit just vanished

  Link to comment from July 8, 2025