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Your retirement plans . . .

MIDNJAC

is clara ship
pilot
The whole disease is just super wild.....I never knew it possessed so much magic until I first heard about shingles. Flash back to like 1989, friend's mom came and talked with my mom and said her kids had just caught chickenpox and did I want to come over to get it, since it was summer? I was like "hell no" and then I caught it that fall, fortunately after school was in session so I got a week off :) I won
 

JTS11

Well-Known Member
pilot
Contributor
The whole disease is just super wild.....I never knew it possessed so much magic until I first heard about shingles. Flash back to like 1989, friend's mom came and talked with my mom and said her kids had just caught chickenpox and did I want to come over to get it, since it was summer? I was like "hell no" and then I caught it that fall, fortunately after school was in session so I got a week off :) I won
As I understand it (pre-kid vaccine for chickenpox), it was assumed that your kid would get it at some point, with the preference being the younger the better.

What's crazy is that tthere are still parents doing this at present.

 

JTS11

Well-Known Member
pilot
Contributor
It does seem like the anti-virals they prescribe start doing their job within a few days. It's the type of drug though, that if you saw in the medicine cabinet of someone you just started dating, you'd throw a ninja smoke bomb and exfiltrate the premises (Valtrex). 😆
 

haubby

Well-Known Member
None
Contributor
It does seem like the anti-virals they prescribe start doing their job within a few days. It's the type of drug though, that if you saw in the medicine cabinet of someone you just started dating, you'd throw a ninja smoke bomb and exfiltrate the premises (Valtrex). 😆
I got shingles in my mid 20's prior to meeting my wife. When we moved in together she found the Valtrex bottle with a couple of leftover pills in the shoe box full of old medications. That surely was an interesting conversation as I could see on her face that she immediately questioned her life decisions. It was the definitive "You see what had happened was" type conversation. That was almost 20 years ago and now we sometimes joke about that moment in time.

And shingles sucks big time. Never want to experience that again.
 

JTS11

Well-Known Member
pilot
Contributor
...It was the definitive "You see what had happened was" type conversation. That was almost 20 years ago and now we sometimes joke about that moment in time....
Well, that conversation would certainly be easier to logically walk your way through than trying to explain to your girl why she needs to get a penicillin shot bc you had a "kidney infection".😁
 

Llarry

Well-Known Member
The shingles vaccine is fully covered by TRICARE, and by most other plans. If you ever want to know if a particular intervention is effective, check if it covered by insurance. Health insurance companies live and die by minimizing outlay. If there is solid data that it would cost them less to prevent a condition than to treat it, they will usually make the decision to cover the preventive option (vaccines, bariatric surgery, colon cancer screening).

V/R
My situation may be different, as my Shingrix was NOT covered by Medicare. Accordingly, I assumed (there's that damn word again! that TRICARE for Life would not cover it. AFTER paying $225 cash on the barrelhead for the first of two Shingrix immunizations, I contacted TRICARE for Life and was told that, no Medicare doesn't cover it but TFL will do so with a $150 copay. The rep that I spoke to did not seem too knowledgeable on the subject so I'll be prepared for anything in a couple of months when I get dose number two.
 

Randy Daytona

Cold War Relic
pilot
Super Moderator
Thoughts on Tricare Prime (for retirees) vs civilian health insurance? Evan though our civilian healthcare is very good, it is quite expensive - anyone else want weigh in on how Tricare has worked for themselves and their families?

To amplify the other observations: get your colonoscopies, have your blood drawn and see a dermatologist. Also, statins work. Tried to watch my diet for years to drop LDL and inflate HDL to minimal effect - a combination of statins dropped the bad stuff by over 1/3 and pharmacy grade (not GNC) Omega-3’s helped the HDL.
 

ChuckMK23

5 bullets veteran!
pilot
Tricare Prime is often shunned by the better healthcare systems and I have heard plenty of anecdotes from folks saying they get the run around especially when going to a provider for first time.

Statins do work - and the side effects have been over amplified on social media.

Our food system sucks and our healthcare system is hyper engineered to extract the maximum amount of cash from you as an individual, and minimize the cost burden by insurers. Insurers and health care systems pay smart people big bucks and you as an individual simply can't outsmart these forces. Staying healthy and free of chronic disease is probably the best and greatest path to financial security as we age. Added to that the rock and a hard place being a professional pilot and needing a FAA Medical puts you in.
 

Griz882

Frightening children with the Griz-O-Copter!
pilot
Contributor
I’ve never had an issue with Tricare Reserve Retiree or, now that I’ve aged out, Tricare for Life. I used Tricare Prime as my retiree option and can’t remember having an outrageous bill - I hurt my neck and had to have surgery and in cost no more than $500. Now that I have the “card,” Tricare becomes secondary and, to date, I haven’t paid a penny for doctor visits or medicine. Unlike @ChuckMK23, I haven’t been turned away from any healthcare office because of Tricare to include Beth Israel, Mass General, INOCA, or Medstar…all leaders major cities. Overall, I’m pleased.
 

JTS11

Well-Known Member
pilot
Contributor
Thoughts on Tricare Prime (for retirees) vs civilian health insurance? Evan though our civilian healthcare is very good, it is quite expensive - anyone else want weigh in on how Tricare has worked for themselves and their families?

To amplify the other observations: get your colonoscopies, have your blood drawn and see a dermatologist. Also, statins work. Tried to watch my diet for years to drop LDL and inflate HDL to minimal effect - a combination of statins dropped the bad stuff by over 1/3 and pharmacy grade (not GNC) Omega-3’s helped the HDL.
Speaking of colonoscopies, do it...but fuck... the shit you have to drink 24hrs prior is gross, but worth it. Also, get a shingles vaccine as soon as you're eligible, bc I got it on my face/scalp and it's not fun.

For retirees, also make sure you know what benefits you rate from the VA vice the Tricare system...I didn't for awhile.
 

ChuckMK23

5 bullets veteran!
pilot
Speaking of colonoscopies, do it...but fuck... the shit you have to drink 24hrs prior is gross, but worth it. Also, get a shingles vaccine as soon as you're eligible, bc I got it on my face/scalp and it's not fun.

For retirees, also make sure you know what benefits you rate from the VA vice the Tricare system...I didn't for awhile.
Ive been doing the Cola - Guard route and my PCP is convinced its the better option. Additionally, once you hit 60, my PCP directs an elective CT Angiogram with AI . Not covered yet by most insurers, but self pay at around ~$300 cash. Gold standard in preventive screening for heart disease.
 

Hair Warrior

Well-Known Member
Contributor
Admittedly did not read all 12 previous pages, but on the original thread topic, my plan is:

Reserve retirement
+ VA disability
+ FERS retirement
+ private sector 401k
+ stock dividends
+ passive income such as from a rental property or business running on autopilot
+ side gig for fun earned income
+ Social Security (edit: forgot about this one)
>= $10k/mo in today’s dollars adjusted for inflation

House will be long paid off. Kids college will be fully paid off by GI Bill/cash/maybe scholarships, no student loan debt.
 
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sevenhelmet

Quaint ideas from yesteryear
pilot
Admittedly did not read all 12 previous pages, but on the original thread topic, my plan is:

Reserve retirement
+ VA disability
+ FERS retirement
+ private sector 401k
+ stock dividends
+ passive income such as from a rental property or business running on autopilot
+ side gig for fun earned income
+ Social Security (edit: forgot about this one)
>= $10k/mo in today’s dollars adjusted for inflation

House will be long paid off. Kids college will be fully paid off by GI Bill/cash/maybe scholarships, no student loan debt.

This is more or less my plan. My passive income game is weak, but I have time at 41 to shore things up a bit.
 
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