When you are ready to compare coverage and costs, get a copy of the most recent materials from your current health plan to have on hand. In addition to your current premium and deductible, you will need to know what your current coinsurance or copayments are, and your annual maximum out-of-pocket in order to calculate the "actuarial value" of your plan. To learn whether you qualify and how much credit you will get, contact your state's Health.Senior meals: Agencies on Aging often have congregate meal programs and act to coordinate with home delivered meal programs in your area..Wrong answer, Mr. Mulvaney..According to AARP, about 94% of widely-used brand-name drugs that were on the market between 2005 and 2017 nearly doubled in price. And in 2017, the average annual cost of specialty drugs - which treat complex conditions like cancer - was about ,800. In contrast, the average Social Security benefit in 2017 was just ,800..But in the meantime, beware of scams and identity theft attempts. Scammers are taking advantage of the confusion created by the transition, and reports of Medicare card scams are rampant. The two most important things to know: Medicare will not call or contact you for "information about your account," and the new card will not cost you anything..That is not as easy as it might seem but if they Senate is able to accomplish that whatever it passes must then go to a House/Senate conference committee which will have to come up with one bill that must then go back to each house and pass before it goes to the President for his signature. With just three work weeks left before October 1 it will have to be a marathon if they are to finish their work on time..Learn more about your best retirement age using Social Security website's benefit planning tools or call the Social Security Administration toll free at. Many areas of the country hold programs and workshops on retirement and benefits. Find out what is planned in your area by contacting your local senior center, library, community colleges and universities..New IRS medical expense rules for people age 65 and over reduce the amount of medical expenses you can deduct for the 2017 tax year. In 2017, you or - you and your spouse - can deduct the amount of unreimbursed allowable medical expenses that is more than 10% of your adjusted gross income. Last year people over the age of 65 were allowed to deduct medical expenses that were over 7.5% of the AGI..Interest rates fell. Seven percent of Social Security financing comes from the interest earned by the assets held by the Social Security Trust Funds. Those assets are actually non-marketable government bonds, like I.O.U.s from the U.S. Treasury payable to the Social Security Trust Fund. That income stream was reduced because short term interest rates dropped to extreme lows during 2020 and so far in 2021.

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The twenty-nine member budget conference seemed to reach a standstill this week. Three weeks remain before the official December 13th deadline, but House and Senate appropriators requested a top-line spending number before November 22nd the start of the week-long Thanksgiving recess and the conferees failed to deliver..If signed into law, H.R. 4012 would provide Social Security beneficiaries and retired military members with a 3.9 percent COLA in 2016, which would amount to around 1 for the average beneficiary. It would offset the cost of the emergency COLA and extend the life of the Social Security Trust Funds by closing tax loopholes for corporate executives..Recent healthcare reform legislation gradually reduces what beneficiaries must spend when they reach the Part D doughnut hole or gap in coverage. Medicare consumers who hit the doughnut hole receive a 50 percent discount on brand name drugs and a 7 percent discount on generics in 201While that's good news, don't breathe any sighs of relief just yet. Seniors and the disabled who hit the doughnut hole must still spend ,448 in total drug costs in 2011 before they reach catastrophic coverage period. … Continued

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Now it seems that the cancelled policies and the number of people affected by them are beginning to have an effect on the Administration and Members of Congress concerned about the November elections. The Obama Administration recently announced that individual health policies, that were supposed to end in 2014 because they aren't compliant, may remain in force another two years, if states allows it..Much of Wednesday's hearing was focused on the repeal of the ACA. Several lawmakers in the majority party including Committee Chairman Lamar Alexander called for the establishment of a solid ACA replacement plan. He said: "The American people deserve health care reform that's done the right way, for the right reasons, in the right amount of time. It's not about developing a quick fix, it's about working toward long-term solutions that work for everyone." Congressman Price seemed to agree, and he expressed his support for a health system that ensures health insurance access but not a guarantee of coverage for all.."But all bets would be off if the current payroll tax system is eliminated, or changed to something else," Johnson says. Getting rid of the payroll tax raises a great many questions as to how benefits would be calculated. Currently, retirement benefits are calculated on the 35 years of highest earnings. "Because wages tend to grow over time, replacing the current system with something else could mean lower benefits," Johnson points out. … Continued

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