Correction in yesterday’s post about Medicare, Plan G for foreign travel…

This restaurant, Luna Rossa, is about a one-minute walk once we get down one flight of stairs.

I made an error in yesterday’s comprehensive post about supplement Plan G, which I chose as an adjunct to Plan B enrollment. My insurance agent, Janet Mueller, at jmueller@teameip.com, noted the need to make a correction, which I’ve done on the post and noted today. See below for details:

  • Maximum annual $50,000, with $250 deductible, which pays 80%, on emergency medical services for foreign travel outside the US. Air and ground ambulance are covered. Here is a link with information on ambulance and air ambulance services for Plan G.
  • Tom sure loves bread.

Now that the Medicare information is posted and hopefully clear for those interested, we’re moving on to other topics, such as our first evening out to dinner last night in The Village, one flight down an outside stairway from the hallway on our floor.

We had a lovely time in the restaurant. We went to the Italian restaurant Luna Rossa, a one-minute walk once we got downstairs to the ground level. We’d thought of going to the Mexican restaurant but, at the last minute, decided against it when I’d planned to make beef enchiladas on Monday.

Tom’s delicious lasagne.

Only a few items on the Mexican restaurant’s menu appealed to Tom with some modifications. Most Mexican restaurants serve Spanish rice and refried beans with each entree, neither of which Tom will eat. Taking those two items away from a plate may leave little to eat. As a result, he only likes taco salad with beef, not chicken. Of course, he could ask for meat instead of chicken, but he doesn’t care to ask for special adjustments when he orders off a menu.

On the other hand, I’m always asking for special adjustments for my orders to ensure they are gluten-free, starch-free, and sugar-free. I always tell Tom, “We’re the customer paying the bill. It’s ok to ask for changes, especially if we’re willing to pay for upgrades that may increase the price.”

My mussels and clams in a tasty broth.

Oh well, we each do it our way. He’s a picky eater due to his taste buds, and I am picky only to ensure I don’t eat anything that isn’t suitable for my way of eating. If I didn’t eat this way, I pretty much like everything.

Once seated at Luna Rossa without reservation on a Saturday night, we felt at ease at the table for four with a crisp white tablecloth and lovely table setting. The service was fast and friendly, primarily by older Italian gentlemen with experience. More servers were in the restaurant than customers, but about half of the tables were occupied, which surprised us.

I can always find something to eat in Italian restaurants even when most of the dishes contain pasta, none of which I’ll order. Tom had the delicious lasagne, a good-sized portion, made to perfection. I ordered the mussels and clam in a delightful broth that I finished with a spoon. We each ordered one drink, a brandy and Sprite for Tom and a lovely Merlot for me.

The restaurant was surprisingly busy. We didn’t expect the eateries in The Village to be busy.

The wine glass was huge, and there couldn’t have been more than four ounces of wine in it, typical for somewhat fancier dining establishments. But the drinks and food were plenty for us. Tom enjoyed the basket of bread, which only came with olive oil and balsamic vinegar, neither of which he’d eat. He started eating the dry, unbuttered bread but didn’t ask for butter. When the waiter passed, we asked for butter, and Tom dug into the bread.

Our dinner bill was $98, including tax and tip. We could have easily had two nights’ dinners at Jabula for this amount, including drinks, tax, and tip. At these prices, we’ll only eat out once a week.

The short walk back to our place was refreshing in the cool air at only 40F. As I write here this morning, it’s only 46F, typical for the winter cool desert temps. I love this cool weather in Las Vegas, especially when it’s sweltering in the summer months.

I’m off to take the bedding to dry in the laundry room using the handy laundry app on my phone. As mentioned, we have a washer in our unit but no dryer. We dry everything else on the portable laundry rack we purchased at Amazon.

Today will be a football day. Last night, we watched an exciting game between the Kansas City Chiefs and Miami Dolphins. No spoilers here if you haven’t watched it.

Have a wonderful Sunday.

Be well.

Photo from ten years ago today, January 14, 2014:

Baby warthog is sleeping in our yard, while mom and three other babies munched on vegetation. For more, please click here.

Part 1…Here it is…My Medicare Part B late enrollment, a supplement and possible drug plan…Important information for long term world travelers…

An adorable lion cub is resting with the pride. We took this photo while very close.

In 2012, when we began our travels, we decided we wouldn’t sign up for Part B Medicare when we turned 65. In 2013, I turned 65 (I am 5 years older than Tom). Qualified Individuals over 65 years old receive Medicare Part A as follows:

“*Generally, you’re eligible for Part A if you are 65 or older, meet the citizenship and residency requirements, and get disability benefits from Social Security or the Railroad Retirement Board for at least 25 months.”

What does Part A cover?

Part A (Hospital Insurance): Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. Part B (Medical Insurance): Part A covers Inpatient surgeries, lab tests, and drugs related to the inpatient stay. Medicare Part A doesn’t cover doctors’ services even for Medicare-approved stays. There’s no cost for Part A for qualified individuals.

What does Part B cover, and what is the monthly premium deducted from Social Security, or in our case, Railroad Retirement?

Part B Medicare or other medical insurance may provide coverage for Medicare. Part B helps cover medically necessary services like doctors’ services and tests, outpatient care, home health services, durable medical equipment, and other medical services. Part B also covers some preventive services. Look at your Medicare card to find out if you have Part B. The government charges a monthly fee for Part B, which is now:

$174.70 in 2024 or higher, depending on your income. The amount can change each year. You’ll pay a monthly premium, even if you don’t get any Part B-covered services. “Higher income” is construed as follows:

If you file your taxes as “married, filing jointly,  and your MAGI, adjusted gross income exceeds $206,000, you’ll pay higher premiums for your Part B and Medicare prescription drug coverage. If you file your taxes using a different status and your MAG exceeds $103,000, you’ll pay higher premiums.

When we didn’t sign up for Part B Medicare since we were traveling outside the US and accepted the future penalty, and had no use for it, when Medicare doesn’t pay for care outside the US, the following penalty was assessed per year when I finally decided to send in my enrollment for Part B as follows on January 2, 2024:

“Medicare Part B has a 10% penalty on your monthly premium for each 12-month period you delay enrollment. This penalty is lifelong. In 2024, the penalty is based on a monthly premium of $174.70.”

As a result, after ten years without enrolling in Part B, my cost for Part B will be $349.40 monthly. Had I known in 2013, when I chose not` to sign up for Part B, that I’d have heart problems, I would have enrolled when I turned 65. It wasn’t until 2019 that my heart issues were discovered. At that point, we would be out of the US for years to come, and we decided to continue to wait until we returned to the US for extended periods.

Now that we’re spending more time in the US and with the discovery of future potential heart surgery, it was time for me to sign up. If I eventually need additional surgery after having tests in the US while we’re here, I will be covered.

Since Medicare Part A and Part B don’t cover everything, resulting in huge co-pays that can be life-changing and stressful, a “supplement” is necessary to cover the costs of potential co-pays, which could run into tens of thousands of dollars if not covered by Part A and Part B.

I looked online but became frustrated when I understood how supplements work. Every site I searched required me to fill out a form with my personal information to receive a call back to review the possibilities of a supplement. I started getting dozens of phone calls each day, and I didn’t want to return all those calls. However, in the process, I answered many of the calls and became more frustrated in the process.

I had run out of patience with agents whose primary goal was to sell me a plan that earned them the most commissions (the government pays).

During this period, I stumbled across a no-pressure, knowledgeable Medicare insurance agent, Janet Mueller, who gently walked me through the process, answering my seemingly endless stream of questions. I couldn’t have been more thrilled with her service and attention to detail. I’d highly recommend her services if you need help with a supplement and/or pharmacy plan. She can be reached at jmueller@teameip.com. Janet’s concern was only for those plans that would serve my needs with the best possible price and terms.

This post is getting long, so we will continue tomorrow with the plan Janet helped me decide is suitable for my circumstances. We’ll be back tomorrow with Part 2 regarding the supplement I chose and decisions regarding a prescription plan. See you then!

Be well.

Photo from ten years ago today, January 12, 2014:

Hundreds of grasshoppers in our garden traveled from one tree to another over hours. We spent the better part of a day filming and watching them. For videos and the unique story, please click here.