View Poll Results: Which TSP option/s did or will you choose upon Retirement?

Voters
117. You may not vote on this poll
  • Roll over to an outside IRA

    24 20.51%
  • Partial withdrawal

    17 14.53%
  • Monthly Payments based on your specified dollar

    32 27.35%
  • Monthly payments based on IRS Life Expectancy

    5 4.27%
  • Just leave it with TSP until 70 years old

    19 16.24%
  • Not sure yet

    29 24.79%
  • Annuity

    0 0%
  • Other options not mentioned above

    6 5.13%
Multiple Choice Poll.
Page 22 of 29 FirstFirst ... 122021222324 ... LastLast
Results 253 to 264 of 347

Thread: Maricar19 Account Talk

  1. #253

    Post Re: Maricar19 Account Talk

    Health Savings Account (HSA): Even if you are retired, but under age 65, you can still contribute to your HSA if you have a qualifying high-deductible health (HDHP) insurance.
    However even if we are retired and under 65, we cannot contribute to HSA because we are covered under Tricare insurance.
    We never gave HSA a thought because we knew that we will be covered by Tricare (USFHP) before 65 and then Tricare Prime and Medicare at 65.
    Alas, we never looked beyond the services that will not be covered by either insurances.
    No matter how much preparation/ research during your pre-retirement years, there will always be,.."I wish I did that...I wish I knew that!"

    Long Term Care (LTC): We checked Federal Long term Care (FLTC) and it was expensive for me. Am a smoker, overweight, and so on..
    But we are still on the lookout. We are interested in the "Hybrid Policy" that FlaFlaw mentioned- where both parties can draw from it.
    Per FLTC website, if benefits are unused, part/some of the premiums will be returned. The application form asks for beneficiary.
    Last edited by Maricar19; 09-08-2021 at 11:13 AM. Reason: addendum
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  2.  
  3. #254

    Default Re: Maricar19 Account Talk

    This is why I miss Burro...
    For those who never met Burro, you missed a part of the TSP Talk life..


    Quote Originally Posted by burrocrat View Post
    those are b.s. parameters. any idiot in their right mind would find other work, even if it is just darning socks from their wheelchair. or else if truly no work options they would just sign up for ssi now for max can get and spend tsp down to zero before they died. i don't think that scenario you present with only two options is very realistic. worried retirees do not think about only two hypothetical options, they think in units of cans of alpo, and take large purses to the buffet and steal ketchup packets and saltines.
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  4.  
  5. #255

    Default Re: Maricar19 Account Talk

    Another TSP Talker that I miss is StopLight..haven't seen him around
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  6.  
  7. #256

    Default Re: Maricar19 Account Talk

    He's around occasionally - mostly in the premium forums recently.
    Tom
    Market Commentary | My Blog | TSP Talk Plus | |

    I am not a Registered Investment Advisor. Please do your own due diligence.

  8.  
  9. #257

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    10,928

    Default Re: Maricar19 Account Talk

    There are a handful of folks I miss from the mid 2000's that had some great posts and insight.
    May the force be with us.

  10.  
  11. #258

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Expenses at age 65 – Medicare B 2021 $148.50
    Question for those experiencing the “65 syndrome” –
    Did you get a Medicare Supplement to cover the gap or expenses not covered by Medicare A and B?
    Did you get a Medicare Supplement outside of FEHB?
    Is it correct to assume that with Medicare A and B and a Medicare Supplement, your "out of pocket" cost is manageable$$?
    Anybody with experience re: Medicare and supplemental?
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  12.  
  13. #259

    Join Date
    Jun 2004
    Location
    Boiled Peanut, Georgia, USA
    Posts
    67,332

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Anybody with experience re: Medicare and supplemental?

    I use BCBS as a secondary to Medicare. They pay well, 99% of what Medicare will not pay. Of course I pay for the coverage, never payed anything.
    12/02/2021
    LS CRUDE Oil
    =$66.50 a Barrel, Daily Status +.93

  14.  
  15. #260

    Default Re: Maricar19 Account Talk

    I retired last year due to covid with Social Security Part A , Part B, and FEHB Blue Cross Blue Shiels Standard plan. The HR specialist was very helpful guiding me and to date there have been out of pocket expenses, no copays, or other miscellaneous expenses of any kind having several office visits and a few tests at a medical center.

    Pharmacy costs have been none to very manageable. Able to compare with others for same or similar prescription cost and I paid $5.00 for Rx as prescribed vs someone with UnitedHealthcare plan F prescription plan paid over $15.00 and received a generic.

    Wish you the best!

  16.  
  17. #261

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by nnuut View Post
    I use BCBS as a secondary to Medicare. They pay well, 99% of what Medicare will not pay. Of course I pay for the coverage, never payed anything.
    Thanks nnuut. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure?

    I would like to find out from others, too, if they:
    1. have Tricare for Life as a supplement to Medicare?
    2. have FEHB and Tricare as supplement to Medicare?
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1


  18.  
  19. #262

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Kdjs View Post
    I retired last year due to covid with Social Security Part A , Part B, and FEHB Blue Cross Blue Shield Standard plan. The HR specialist was very helpful guiding me and to date there have been out of pocket expenses, no copays, or other miscellaneous expenses of any kind having several office visits and a few tests at a medical center.
    Thank you for taking the time to respond. It makes me feel more secure. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure that required you to be hospitalized?
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  20.  
  21. #263

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    10,928

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Thank you for taking the time to respond. It makes me feel more secure. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure that required you to be hospitalized?
    Like nnuut I have BCBS as secondary and Medicare Part A & B as primary. My wife has been going through chemo therapy since February and we haven't been billed for anything. The most expensive medication has been her Eliquis at $100 for a 3 month supply.
    May the force be with us.

  22.  
  23. #264

    Join Date
    Feb 2013
    Location
    Maryland's Eastern Shore
    Posts
    3,258

    Default Re: Maricar19 Account Talk

    Hey Maricar19

    I have Tricare for Life as a supplement to Medicare parts A and B as well as my wife. She suffers from ALS and between Medicare and Tricare for Life have not incurred any additional bills we are responsible for. Everything has been paid in full (80% through Medicare and the remainder through Tricare for Life) In addition we both receive pharmacy, lab, x-rays and vision through a local military clinic near my home as part of our Tricare for Life benefits at no additional cost.

    RF
    “Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.” G. Michael Hopf

  24.  
Page 22 of 29 FirstFirst ... 122021222324 ... LastLast

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
SPY (C Fund) (delayed)
Maricar19 Account Talk
(Stockcharts.com Real-time)
DWCPF (S Fund) (delayed)
Maricar19 Account Talk
(Stockcharts.com Real-time)
EFA (I Fund) (delayed)
Maricar19 Account Talk
(Stockcharts.com Real-time)
BND (F Fund) (delayed)
Maricar19 Account Talk
(Stockcharts.com Real-time)

Yahoo Finance Realtime TSP Fund Tracking Index Quotes