Home Forums Hunting & Shooting Hunter's Campfire Health insurance

Reading through this thread, I realize how fortunate I was to retire at 57. At the time I retired, one of my retirement benefits was lifetime, no cost to me, health insurance. When I hit Medicare age, my employer-based health insurance became secondary, picking up almost everything after Medicare. Including prescription copays, I am not usually out of pocket more than $200 - $300 per year. Additionally, every year in July, I get a check from my former employer that reimburses me for the Medicare premiums deducted from my social security over the preceding year.

Be prepared for sticker shock.

Thanks for the ideas guys!

Hey question.
Well actually questions and scenarios...
In 22 months when I turn 62.
I wanna collect the SS pocket money.
I don't have to have that Medicare cost taken out until 65 correct?
Does the tricare payment go down in conjunction per the Medicare payment at 65.
Does the Tricare subsistute for all the part plans everyone talks about per Medicare to pick up additional cost.

How does tier 1 VA coverage jive into all of this also?
Never paid a penny at VA for anything from glasses, hearing aids, knee, hernia surgeries, or meds.
Ect ect ect...


Have any of you retired mil guys gone this route or a combo of the routes.
Cost effectiveness, best coverage route.
Per mil retirees.

Sitting under a big umbrella of coverages like many of you.
At a low cost already.

I barely use the schit to begin with.
Wife on the other hand.
2 major surgeries spring 2022.
Didn't cost a penny.

Me..

I like to get my things done at Nashvegas VA per the rotating Vandy docs.

Ain't even been to tricare PCM in 3 yrs.
Just do the renew plan is good to go each year thing like we all do.

Go to the dentist 4 times yearly for cleaning.
Have like a 23 buck copay every other appt for that.




I need to get myself smart on this schit.
Got a pretty good feeling going up to retirement services on FTCKY versus the momo,s here at the SS office will give me better info.


Gotta be some of you mil retirees that started collecting SS at 62 that can give me some feedbavk

I went with straight Medicare. No supplement. I have weathered hip replacement, heart attack, hernia operation, pace maker ( and a new replacement one) with no issues. Supplement policy would cost me $350 to $400 a month. Most I have ever paid out in co pay in a given year was under $2000. I have no health issues other than just getting older, and a bad heart. No Diabetes, cancer or other stuff. Cheaper to just pay the co pay out of pocket. I usually get a discount for that anyway.
With regards to meds, I never meet deductible for Part D. I have a Part D plan through Humana. I pay about $20 a month for all my meds, including the OTC stuff.

Exactly what I did, got everything in place 3 months ahead of time.


Interesting note on when when your Medicare 'might begin'.

It can start one month early, mine did and it was like a train wreck.

IF your birth date falls on the first day on your birth month, your Medicare starts when you are 64 and 11 months of age.

Seems trivial huh?

Huge problem occurred for me as a result.

For my first month on Medicare I was also covered by my Obama Care policy.

I didn't know my Medicare had started a month early, like who would?

It's a crime to have additional insurance coverage while on Medicare if it's not reported.

No double cover or double collecting benefits allowed.

I was back to my insurance agent for a couple hours filling out forms and answering endless questions to find redemption for my sins.

In the end I was penalized for the first 10 days of my overlapping Obabam Care premium for my crime, the balance was refunded.

Nuttin like dealing with the gubberment in two different departments at the same time.

The simplest error becomes a capital crime and nightmare.

Find a good agent you feel you can trust to deal with this schit for you, it's a must have.

You sign up for Medicare A & B at 65 and you are no longer Tricare Prime/select, but on Tricare for Life, TFL. There are no fees for TFL, but you'll be paying Medicare fees. Medicare is your primary insurance TFL is seconday. Prescriptions still stay with Tricare, so you don't need Medicare Part D.