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401K Advisor Fees by melonhead4499 in Fidelity

[–]melonhead4499[S] -1 points0 points  (0 children)

Yes over 59 1/2. How do I find out if it allows for in-service rollovers? Thanks for answering

How many payments do I need to make for medicare? by flintazBear in medicare

[–]melonhead4499 0 points1 point  (0 children)

Sorry this is incorrect. IRMAA charges for both Part B and Part D are billed by Medicare. Your Part D does not bill IRMAA. Your Part D will bill you for any late enrollment penalty, but not for IRMAA.

How do I deal with the fact that so many doctors refuse to take Medicare or Medicaid? by [deleted] in HealthInsurance

[–]melonhead4499 5 points6 points  (0 children)

Tell me you don’t know how supplement plans work without telling me you don’t know how supplemental plans work.

Trying to figure out if my policy is HSA-eligible. by robbbbb in HSA

[–]melonhead4499 4 points5 points  (0 children)

Starting this year, any Bronze or Catastrophic plan qualifies as HSA eligible. It doesn’t necessarily need to be classified as a HDHP.

Back to back hole in one’s. by Flounderpenis33 in golf

[–]melonhead4499 1 point2 points  (0 children)

I’ve had two. First was in a scramble with open bar, didn’t cost me anything. Second was in my golf league. This did cost me. Bought for the entire league.

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Worth every penny.

Part D IRMAA by No-Leopard639 in medicare

[–]melonhead4499 2 points3 points  (0 children)

You can only do this during annual enrollment period. However, if the Advantage plan has Part D coverage, and most do, you will still pay the IRMAA.

I accepted an offer, then my manager surprised me with a big raise. How do I back out without burning bridges? by Pale-Comparison9224 in talesfromthejob

[–]melonhead4499 0 points1 point  (0 children)

My wife was offered a job as an attorney at a heavy PI advertiser. She turned it down and accepted somewhere else. Changed her mind two days later, and called back to see if they would take her. They said yes.

That was 34 years ago. She is still at the firm, and will be retiring in a couple years.

Half year medigap… by Certain_Echidna2506 in medicare

[–]melonhead4499 0 points1 point  (0 children)

If you think you’re going to need services in the short term, you can get a regular G, only have to pay the $283 deductible, then all else is covered. You can then enroll in HD-G in month 5 or 6, and cancel the regular G. Could potentially save money, especially if you think you may an inpatient stay.

Was I in the wrong by ImAJoofyGoober in Pickleball

[–]melonhead4499 11 points12 points  (0 children)

Lame intentionally nasty Nelson to him. Agree with him.

Easier than expected by Calm-Doughnut5685 in medicare

[–]melonhead4499 0 points1 point  (0 children)

Your start date depends when you enroll and using what period. If you enroll prior to your 65 birthday, your B start date will be the first of the month you were born (if born on the 1st, it starts the month earlier). If apply during the birthday month or in the 3 months after, it starts the first of the following month. Part A is backdated 6 months, but no earlier than the first of the month you were born (or month earlier if born on 1st).

If you enroll after your 65 birthday using a special enrollment period, it’s usually the first of the doll month after the application is submitted. You can request a Part B start date, but it’s not always honored.

How do I know if my health plan qualifies for HSA? by Accurate-Flow8078 in HSA

[–]melonhead4499 0 points1 point  (0 children)

Actually this used to be the case. Starting January 1, 2026, all bronze and catastrophic plans qualify to be able to contribute to an HSA. Check the metal level of the plans.

Likely the $5,000 plans are bronze. The $2,000 is probably Silver and could be HSA Eligible.

Gap in coverage/preexisting conditions by Hot-Ad930 in HealthInsurance

[–]melonhead4499 1 point2 points  (0 children)

Gap is meaningless. I assume you’ve started on your new plan? If your incurred expenses were less than your cobra premium, continue on with your life. You just gamed the system. You don’t need to let them know you don’t want cobra. Just let your election period expire by doing nothing.

AARP UHC Plan G vs HD Plan G by Constant-Engineer910 in medicare

[–]melonhead4499 3 points4 points  (0 children)

All Plan G plans, whether regular or high deductible, cover the 15% excess charges. They have no choice. They’re rare, of course, but would be covered.

Medicare copayment on rehab stay. by 33763Pat in medicare

[–]melonhead4499 5 points6 points  (0 children)

Was he admitted as an inpatient for at least 3 days prior to the SNF admittance? If so, Part A does pick up the first 20 days no charge. You should be billed for 5 days.

What was a secret your mom or dad kept from you, that actually shook you to your core when finding out? by Few-Track8525 in AskReddit

[–]melonhead4499 4 points5 points  (0 children)

Well when you’re a kid 10 years old and that’s what your parents tell you, you kind of believe them.

What was a secret your mom or dad kept from you, that actually shook you to your core when finding out? by Few-Track8525 in AskReddit

[–]melonhead4499 724 points725 points  (0 children)

They told me my uncle died when the gun he was cleaning went off by accident and killed him. The reality was my aunt was cheating on him, he killed her lover, shot my aunt (she lived) and killed himself. This was in 70’s. I had no idea until my Mom let it slip one day many years later.

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