Home > My credit score, Medicare and what have you....

My credit score, Medicare and what have you....

July 10th, 2024 at 01:26 pm

I think this is about as near perfect a credit score as I've ever had: 100% on-time payments, a 33-year credit card payment history and well over $100K in available credit while only utilizing 1%.

Once I paid off my mortgage in 2012, I didn't think a credit score would be that important to me anymore since I didn't see myself needing it to buy another home or car. But, you never know. I plan to purchase a new vehicle next year; it's unlikely Toyota would see a need to offer 0% or 1% financing, but you never know....

Last night around 7 pm I saw a bobcat passing through my back yard. Not the first time, but the first time since September 2022. I do have a litter of 5 baby skunks with a burrow in my yard but disappointinly have not seen them since they made their first appearance a week or so ago when I was weeding. The are the cutest things. When they are this young, they all "walk as one."

Girls night out last weekend at the vineyard was cancelled due to the weather. We're now setting our sights on an International Festival in nearby small city that is mostly centered on live music and ethnic foods.

Dad and I went to lunch at a certain restaurant near him. The bill was $90 before tip. I think that's the last time we go there. It's good, but actually sometimes hit or miss, and there are other restaurants I like better. It's just so darn convenient.

I'm all set with Medicare and my Medigap plan, have my ID cards and am ready to go. But I was very disappointed to learn that Medicare does not cover standard physicals with the usual bloodwork. I like that extra level of reassurance that all is well each year. Medicare covers so-called "wellness visits," which mainly consist of cognition questions (!), a review of recommended vaccinations and going over your medical history.

In fact, no one told me about this, I just "realized" it on my own. So I had to scramble to to cancel a longstanding September physical and was able to squeeze it in this wee, this being the last month I have standard insurance. I'm getting the bloodwork for it done today.

One thing I want to do is find a new dentist. Since that's not covered by my traditional Medicare, I will pay out of pocket regardless, but the dentist in a neighboring town retired a year or more ago, and I'm not sure I want to continue with his successors. She gave me such a hard time about not wanting to do dental x-rays and said I would need to sign a "waiver," which seemed like scare tactics to me. It will be easier to find a dentist right here in town, anyway.

One interesting thing about my Medicare premiums is that they bill you on a quarterly basis. I just paid the first one. They let you pay for free with a credit card, so I figured I might as well get some rewards points for it.


















I didn't think I'd ever need to worry abo

6 Responses to “My credit score, Medicare and what have you....”

  1. LifeBalance Says:

    It looks like the Saving Advice site cut off some of your text as well. I had to edit my entry 4 times to get it to 'take'.

    I'm glad to get the knowledge of your Medicare experience before I need it. I sure thought they covered physicals as well. I already feel like 90% of what I do for my health isn't covered by insurance so I'm likely going to stick with cheap policies that cover catastrophic events. We'll lose dental coverage when Cobra terminates at year-end so I'll be evaluating dental options before then. I also don't get dental x-rays (or mammograms) unless I'm experiencing symptoms. Your dentist's behavior would surely have turned me off. There is an organization for holistic dentists, but I can't remember the acronym - I'd have to look it up.

    Your yard attracts the most interesting wildlife!

  2. patientsaver Says:

    Hi, LifeBalance. Yeah, Medicare will be a whole ballgame, just learning its ins and outs. With Medicare, the biggest different among plans is based on whether you go with traditonal Medicare (with a Medigap supplemental policy) OR Medicare Advantage.

    Advantage plans have a lot of bells and whistles that traditional Medicare doesn't cover and is cheaper on a month to month basis, like your gym membership, dental, etc., but from everything I've heard, their coverage is less than desirable when it comes to the important stuff, like surgeries or hospital stays, plus you have to stay in their network. There is a very good website I've been on for months called Medicare Q&A with Boomer Benefits. I've learned a lot from that site, and in fact I decided to use Boomer Benefits to help me determine the best plan for me rather than going to someone local.They even help you with claims or bills that don't seem right and will deal with the insurer or Medicare so you don't have to. And it's free!

    The other important thing to remember is that while you can switch from one plan to another during open enrollment, if you first go with an Advantage plan cus you think you're pretty healthy, and maybe 10 years from now you have some health concerns so you decide to move to traditional medicare, you will have to go thru underwriting, and if you have any pre-existing health conditions, you might not even qualify for their plan. So that's definitely something to think about.

    I am in pretty good health but i am willing to spend on a quality health plan as your health is the most important thing.

  3. LivingAlmostLarge Says:

    Awww the skunks are so stinking cute! LOL. But wow once they sprayed my husband and the dogs at night walking.

  4. Dido Says:

    That's interesting about the Medicare failure to cover "real" physicals and that that wellness check is mostly a mental status exam.

    That's a nice printout on your credit history. Do you recall which site produced that report?

  5. PatientSaver Says:

    I don't remember offhand, but it was one of my credit card issuers. If I can find it, I will let you know.

  6. PatientSaver Says:

    Dido, I just checked my checking acct register to see which credit cards I recently paid, and I found it. It was from my Capital One credit card. The logo at top said CreditWise. Not sure if that's some other company they use to do these reports or if they've just branded their summary with that.

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