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Archive | November 17, 2018

When Looking At Medicare Supplemental Plans It Helps To Create A Spreadsheet.

by Anura Guruge


Click to ENLARGE.

Click to ENLARGE.


At least in my case I wanted to see the total MAXIMUM yearly costs for the relevant plans.

Just the monthly premium tells you little because you have to factor in the deductibles.

I amortize the deductibles across the year and add them to the premium. That then gives me a much more representative comparison.

Creating a spreadsheet like this is trivial. I will gladly send you this … you will just have to plug in YOUR monthly premiums. The deductibles are the same for ALL OF US — and these are the 2019 deductibles.


Related posts:
Check Category ‘Healthcare’.


by Anura Guruge

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First Of The 3 Christmas Trees For 2018 In Place — 10 Days Earlier Than Last Year.

by Anura Guruge



The “American Girl Dolls” are also getting ready for Christmas.


Advent Calendars have been located THOUGH we have 2 weeks (14-days) to go.


Teischan (12), unashamedly, lives for Christmas — and has for most of her life, once she worked out what it was all about.

She starts talking about Christmas in September!

When she was younger we could dictate as to when preparations for Christmas would come. But, starting last year she has taken matters into her own hands. When she was little we waited until at least the first week of December before we started.

Not anymore. I see that last year HER tree went up on November 27.

Well, this year it was November 17 — 10 full days earlier. She also, with my help, brought down (from the space above our double garage) some of the outdoor christmas lights — which she intends to put up tomorrow. That is one neat thing. She insists on doing this herself. I (at 65) am off the hook.

We started listening to Christmas music, on the radio, on FM 94.9, earlier this week. They too keep on bringing forward Christmas.

Stay tuned. Christmas is still 38 days away and we have many rituals to perform and observe.

Merry Christmas.


Last Year’s post.

Click image to access post.


Related posts:
Search ‘Christmas’.


by Anura Guruge

Medicare Supplement High-Deductible Plan F (F+), Is Often The Better Deal.

by Anura Guruge


Click to ENLARGE.


Check out the math.

The difference between Medicare Supplemental Plan F and High-Deductible Plan F (i.e., F+) is the $2,240 (in 2018) deductible. With F+ you have to first pay the entire $2,240 deductible before ANY insurance kicks in.

Now do the math. And I did it for you above.

Assume that YOU will EXCEED the $2,240 deductible. So just factor it in as a 12-month ‘premium’. So, that is $2,240 ÷ 12 = $186.67 a month.

Add that $186.67 to the F+ premium, in this example $72. $72 + $186+67 = $258.67.

Cheaper whichever way you try to skin this cat.

OK. So you have to pay the deductible to begin with. But, you are saving $62.33 A MONTH to pay that deductible.

I am all in favor of F+. That makes sense to I.


Related posts:
Check Category ‘Healthcare’.


by Anura Guruge

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