I don't know why I didn't go bath further before responding.
So it does appear you have original medicare with medigap plan friend. I do hope you have part D drug coverage now, or you will pay a 10% penalty for late entry every year you have it. No supplemental insurance plan (medigap) with original medicare can sell prescription drugs, that is illegal unless a plan sold before 2006 and it must be a "credible" plan.
Sounds like you're paying a lot, of like a la cart kinda thing. When it gets to October 1, seek out an insurance agent to research for you (costs you nothing). Not any agent can do this, you need one that is Medicare certified or AHIP certified.
Every area has different plans with different benefits. Seems like where you live is much healthier than areas like Bakersfield/Fresno. That area has insurance companies with similar part C (MAPD - medicare prescription drug - all in one) plans with zero premiums, zero or small co pays and many free drugs with low deductibles.
Good news is the donut hole is closing ( by 2020) every year, bad news is, it's too slow.
At least this year the TROOP (true out of pocket) costs will go down. In 2014 it goes to 52.5% discount on brand name and 28% of generic. If all else fails, you can also ask the brand name company for help with prescriptions.I have a prescription plan.......but that donut hole trumps that. I'll be glad if and when it closes. But most of Obamacare is about delay and pushing dates back. I still pay less for Medicare, Plan friend and prescriptions than I was paying privately prior to going on Medicare.
We have an insurance broker. He researched our needs and our meds and did a fine job on the referrals. We have referred several people to him.
All quotes are out of context......that's what a quote is.........
http://www.livescience.com/34167-one-small-step-neil-armstrong-misquoted.html"One small step for man.....one giant leap for mankind." Neil Armstrong
Please educate as to how this one sentence quote is taken out of context.
Because the microphone didn't catch it, but right before that he said ,"damn, that was the Mexican MRE I ate last night" as he farted on the step down."One small step for man.....one giant leap for mankind." Neil Armstrong
Please educate as to how this one sentence quote is taken out of context.
If the man says words before and after in his lifetime, the quote is taken apart from the whole body of life words..I never knew that he may have possibly been misquoted. Leaving off the "a" before "man" makes a huge difference in the meaning of what he was trying to say.
That being said, either version of the quote still disproves her theory that all quotes are taken out of context.
If the man says words before and after in his lifetime, the quote is taken apart from the whole body of life words..