Recently, a word has been creeping into my vocabulary: retirement. I have reached that point: I turn 65 in January, and I’ve been at my employer over 35 years. So I’ve been meeting with my financial folk, and that side seems to indicate that it is plausible. Right now, the unofficial target date in my head is mid-2025, but nothing has been put in writing yet.
Part of the reason is that I’m still exploring and trying to understand Medicare. You think they would make the process easier for seniors to understand, but it really is a complicated alphabet soup, with parts A, B, C, D, and G*. I did find a good explainer at the Arm and a Leg Show podcast, but it wasn’t specific to what I’m exploring. Anthem does have an explainer. I also plan to use the help service provided: SHIP help (which is government sponsored, not done by an insurance agent). But I would also like opinions from people who have experienced this stuff. Hence this post, which is a better place to collect responses.
- Retiree Medical: Circle A offers a retiree medical plan, for which they make a monthly contribution toward the cost of the plan (in my case, about $488). This plan is a Medicare Advantage plan: Anthem Medicare Plus PPO with Senior Rx Plus. Here’s the information I have: (1) Get to Know Your Group Plan; (2) Plan Summary; (3) last year’s Open Enrollment Guide. This appears to be the same plan offered to many retired teachers, union workers, and government employees.
Question: Is anyone else on this specific plan, ideally in California? If so, I’d like to know your opinions of it. I have no interest in plans from other insurers; my employer doesn’t contribute to those.
- Medigap: The alternative to doing the Medicare Advantage plan would be to do traditional Medicare with a Part D and a Medigap plan, also called Medicare Supplement. The A&L Show seems to indicate this is the better approach. I did find a page listing the Anthem Medigap plans in California.
Question: If you are on a Medigap plan, which plan and how do you like it? My understanding is that all the Part G plans at a particular tier are pretty much the same, but I’d like opinions.
Before I commit to any options, I want to understand them. And, before you respond: Yes, I know Medicare Advantage can be a trap, and that you often can’t change out until specific periods… and that going back in creates even more problems. That’s why I want to get this right now. Yes, I know to not go anywhere near United Health Care.
Right now, I’m pre-Medicare age. My wife is over 65, but has signed up for Part A ONLY, being covered under my employer plan (which is Anthem PPO, so we know them).
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* Understanding retirement funds is equally confusing: When can you withdraw from IRA vs 401(k) vs 403(b)? What counts as what types of income? What are tax implications? How do defined pensions (which I luckily have) and Social Security fit into all this. But luckily for the financial side, I have my trusty accountant and financial support from Fidelity, where the retirement funds generally are.
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It gets to me in the evening. The fear. The sadness. The discomfort.
I have a number of Conservative friends are who are making fun of the whole COVID-19/Coronavirus response. I’m sure you’ve got friends like that. The ones who insist that the name-your-flu-pandemic was worse. The ones who insist that events shouldn’t be cancelled; the high-risk population should just avoid going to them. The ones who believe this is just a conspiracy theory.

So many boxes under the news chum tree! Which one should I open next? How about this one, with a lovely blue cross and a blue shield? I just hope I don’t get a paper cut opening the package — you know how insurance can be.
Recently, we had to replace the fill valve in our toilet. We went to 
As I continue to clear out the links, here is a collection of articles with some interesting health and medicine news:
Today’s lunchtime news chum post brings you three interesting recent reports related to food and medicine:
What’s this I hear about people being anti-Vax? Don’t they realize that without 
Finally, it is time for the main dish: A hearty news chum stew made up of items that I just couldn’t form up into a coherent (or even incoherent) post. I’ll note the first three are roughly science related:
Let’s continue the trend of using lyrics in titles, although many of us will start singing just from the title line alone. Let’s see if this helps:
As I noted in 
Now, mates, time to swab the rest of the deck. The cookee said that he couldn’t use these tasty chunks in the stew — they just didn’t blend right. He says we should throw them overboard:
You know you want to take your mother to dinner. But what will you talk about? Here’s a bunch of news chum stew items, accumulated over the last two weeks (I’ve been busy, what can I say) that might just do:
In the Talmud, there is a learned Rabbi who opines that groupatwos are to be considered Chametz during Passover. Luckily, this week was so busy I accumulated a bunch of groupatwos. So let’s get that feather and that candle and get them out of the links list before Passover starts Monday night:
Today’s collection of lunchtime news chum stories all have to do with the littlest things having big effects:
Ah, the weekend after Thanksgiving. Time to sit down to a hearty bowl of Turkey Stew, with nice chucks of news:
I’ve written before, numerous times, about how I’m 
It’s Saturday. It’s lunchtime. It’s 105.7°F in the shade on the back porch. You know what that means — it is time to fry us up (on the sidewalk, ‘natch) some tasty News Chum, using those links we saved earlier in the week. Better eat it quick, before it spoils in the heat:
Today’s skimming of the news sites over lunch has unearthed a fair number of articles all relating to science and scientific stuff:
I’ve been home sick today with my cold, and so my mind turns to health. Here are a few health-related articles I’ve noted: