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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: chowder who wrote (17671)	11/30/2013 3:30:58 PM
From: JimisJim	1 Recommendation Recommended By Road Walker Respond to of 34328

Almost all of our copays are now gone and deductibles are lower... the two remaining copays (the General Practitioner and prescription drug copays) are half what we used to pay. We used to use a deferred savings account (pre-tax contribution) to pay for copays and deductibles, anything not covered by insurance -- we calculated what we'd need to contribute this next year and it fell $1,500 compared to this year. Same doctors, etc. What surprised us is that these changes just started happening. Our insurance (BS of CA) never told us and it started this summer. Our only complaint is that we now have a lot of extra money in that pre-tax medical savings acct. and nothing to claim, so we are busy buying new glasses (even prescription sun glasses) and other stuff just to use up the money before the end of the year. Note that I am self-employed.

To: chowder who wrote (17671)	11/30/2013 4:36:49 PM
From: rnsmth	Respond to of 34328

As part of the early retirement progra my previous employer will continue to for Kathy and my group health premiums. A similar policy on the ACA exchange would be several hundred dollars a month less - sumilar deductible and copayment. If the would spring for an international policy it would be even less. They do not have the flexibility to do that. I tried to get the international policy thing included in the last round of contract negotiations, but it was not to be