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just fyi, Medicare did not send me a card or anyting else when I turned 65.. I am still working full time and have employee coverage and was told by medicare office that I would not be penalized since covered by employee as long as I apply within 8 mos of retiring.
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I worked till 68 with employer coverage but at 65 was told that I must take Medicare because this would become my primary coverage with the employers secondary. On retiring we obtained a BC/BS PPO at a cost of (this year) of $139 each per month. In addition we also have the usual co-pays and fall into the donut hole as with Part D. This takes quite a bite out of income but last year for example my medical costs almost reached a million dollars billed.
all the information is out there but it is not easy to find or understand the need to look. if you are working for an employer it is wise to ask your HR dept to explain the options.
We went to our area on Aging before medicare and relieved a lot of good information but the details were still difficult to assimilate. Recently we consulted a County MSW to see if there was a better option for supplementary insurance as my husband hits the donut hole regularly. This was very helpful visit and easy to understand our options and in the end continuing our current coverage was our best option.
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I'm still steaming very angrily because of systematic rape and plunder all people who've paid into their Ponzi Social Security fund and especially because of my personal little bit of money that I receive from Social Security after working so hard for so many years, about FIFTY years. America is so much kinder and benevolent to foreigners and foreign countries, especially those that HATE America, while LOVING the so-called "foreign aid" that our tax dollars pay to them—yes, millions and billions of dollars to our enemies, all provided by the working people of America. Our government is more sympathetic to these foreign countries than they are to bonafide, real American citizens, who're the ones whom actually provide the monies that are given away to other countries (most of whom are very hostile towards us here in America, at that)! BAH AND HUMBUG!!!!!
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Merciful sorry no one explained your rights to you. That should have been done by your employer as soon as you turned 65.You can blame Bill Clinton for plundering Social security. He balanced his budget by using those funds.
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Merciful: The SSA was established originally for a person to live on after they retired. It has been destroyed by those in power. President-elect Donald John Trump plans to correct that. He will have his hands full!
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