Home warranty cost

On Sat, 04 Sep 2021 14:51:35 -0400, snipped-for-privacy@aol.com posted for all of us to digest...

Could you mail me a couple of pounds of 1000's? I'll pay the postage.

Dental insurance for me would have been a loss for sure - for my wife I'me sure Id be a few hundred to a few grand ahead - - - - even before the 4 implants this year.

I have an 80 year old friend who needed dental work and wasn't doing it, didn't have a dentist.

I found one near her house and inquired about the price and the receptionist said it was not too late to buy insurance! What, for problems she already has. Yes, she said.

I didn't believe her, but I would have looked into it if my friend didn't already arrange treatment somewhere else, complete with transportation.

I left out health insurance from my list of things people can't afford to pay for themselves. It youre younger than 65, it might be a good economic move to buy 1000 or 2000 dollar deductible, however.

I haven't seen dental insurance paying much. My dentist says I am getting a discount and that is what the insurance buys me. (Humana) I also have a VSP card (vision) that gives me a deal on glasses but I don't wear glasses. It does cut my co-pay from $50 to $15

Guess again. The typical policy for folks without employer insurance is a $6500 deductible before they pay anything. (Obamacare bronze) For a 63 year old in Florida that is $1000 a month.

I ordered a sweater that arrived at my local post office (according to the tracking info) and then was swallowed up. Some postal employee is no doubt wearing my sweater.

Cindy Hamilton

I'm trying to figure out how to go to the Post Office and make inquiries. "Can you tell me who stole my sweater? I'd like to blow their head off."

If it is a "him" wearing my pink boucle sweater, I think I'll just let him keep it.

Cindy Hamilton

I don't know what it is now, but about 10 years ago I was paying about $ 250 a month for a high deductable health insurance policy. For those that want or need a lower deductable it was around $ 1000 a month for a man and wife.

The Obama care came about halfway between my 62 retirement and 65 medicare. The insurance went from about $ 250 to around $ 800,but as I was at a certain poverty level it dropped backdown to clost to $ 250. So some insurance company was getting about $ 500 from the government for the same coverage.

Reason was the company I worked for was offering an early retirement payout to reduce maning. They were going to pay for 80 % of the insurance. About 6 months later the company stopped paying that insurance. Got sued and lost as the reason was the company had planned on canceling the insurance of the ones that took advantage of the buyout.

I find it interesting that most complaints about the USPS come from mobbed up union states up north. Maybe it is a good enough job down here to attract better people.

We fell off that cliff at $65000 and couldn't get any subsidy. I told my wife not to take her SS at 62 but she wouldn't listen so we ended up giving it all to an insurance company and got nothing back. They denied all of her claims.

My retirement records contain a contract to pay pension but say nothing about healthcare insurance subsidy although they always said they would pay it. Companies have been sued for dropping it and won the suits as there was no written guarantee.

Company now has dropped $200 dental subsidy and now I will need to pay myself.

I had a surprise this summer. A deep cleaning cost me $1080. Payment due before I left the place. I've been blessed with good health and had no idea what things cost.

I am reminded that years ago when dad was in the nursing home I had to keep buying him new lounge pants as they were disappearing. I stopped it by making an iron-on with his name on the leg.

Another funny part of that story was either the nursing home did the laundry or the family could do the laundry. He had a room mate with a notice on his laundry bill that family does laundry. What was funny was that the family was in the laundry business.

I have to get used to thinking of you in a pink sweater. Two posts ago I thought it was a black leather sweater with studs.

I had to look up bouclé.

The company pension had something in it about the medical payments could be changed. I think the reason the people that left under the buyout deal won was because it was less than 4 months the insurance stopped. They sued under the idea that the company knew in advance the medical insurance would not be paid for any more and was planned as a cost cutting method and knew that many would not have taken the buyout if they knew the insurance would be stopped.

At that period of time there were many that were over 60 years old and were just hanging on to 65 to get full SS and on Medicare. As the company policy was to let the less senor people go in a few years there would have been a great turn over of the skilled people. While some areas people could be trained in a week or two, many were in areas where it takes a year or more to be trained well. Lots were in the maintaince department and that takes a long time to be trained on the equipment. That department would have just about been cleaned out of skilled people.

I don't know how it was with the company at the time as the company changed owners several times over the 39 years I worked there. At one time the company was their own insurance people so to speak and just hired a national insurance company to handle the paper work.

It's part of my "harmless little old lady" disguise.

Cindy Hamilton

I had a surprise a couple of years ago when a new partial cost $2,000 none covered by insurance. I had an old backup that only cost about $300 for dentist that retired. I recall paying about $300 for a deep cleaning several years ago and at rate of medical increases I guess a thousand does not surprise me.

I went through the same situation when company stopped just giving the insurance to us to giving us the subsidy that had to be accessed buy a specified insurance broker. The sign up itself took over an hour on the phone for both wife and I each. She got on the phone and signed up and then I said just give me the same but no, I had to go through the whole rigamarole. Thanks to the government for mandating draconian regulations.

It was that liberal icon, Ted Kennedy, that said 40% of medical cost is paperwork.

Obamacare: The Democrats destroyed the best health care in the world for at least 200 million Americans to ?insure? 7.3 million people!

Broken promises about healthcare coverage aren't limited to the private sector. For decades active duty military were promised multiple times that one of their retirement benefits would be free healthcare for life for themselves, their spouses, and all dependents under the age of 21. This feature was always mentioned by recruiters.

That's not the case any more. Now when you're retired and under age 65, you need to be enrolled in a DoD health plan that imposes premiums - even if you live close enough to a military treatment facility that has "space available" for you to be seen there. Fortunately, those premiums are far lower than civilian health insurance plans. But, they're certainly not free and the rates keep going up just as they do for civilian health insurance plans.

If you're a retiree over 65 and fortunate enough to live close to a military treatment facility that has "space available" to treat you and/or your spouse, you are not eligible for care unless you are enrolled in medicare part B, which has much higher premiums than the health care plan for retirees under age 65. And, when your spouse is 65 and older, he/she also needs to be enrolled in medicare part B to be eligible to be seen at a military medical facility. Go figure. So when you're over 65 and much more likely to be on a fixed income, your "free" military health care suddenly becomes much more expensive for the remainder of your life. So much for free health care for life for you and your dependents.