Way too funny! I found many, many things that apply to me lol! I especially like the one where you are driving down the road and almost crash into a tree because you are trying to see other peoples gardens! lolololol! That definitely describes me! I almost back ended someone while trying to turn my head 360 degrees to see someones garden! lol You know you are addicted to gardening when you sit outside at work during a break and think about what else needs to be done in the garden that day and week. And, yes my bathroom has lots of reading material of the gardening type! My hubby thinks I'm nuts!

We also went with Plan F...and the Part D for prescriptions. Then BC/BS for supplemental. Yes, there are cheaper plans than "F" but, once you choose a plan, you can't buy "up" if you need more...you can buy "down" to the cheaper plans, but you can't buy up...So...I feel the best way to go in Plan "F"...Part "D" and BC/BS. That sort of puts it in a nutshell. If you don't take the Part D when you go on medicare, you are penalized something like a percent a month for not having it. Then, if you have a need for it later, it is cost prohibitive. We thought the Part D was mainly to protect lower income people, but have been pleased with the savings it has provided with our medications.

Wow-this great news! I'm so happy that your Ds & Dh are beginning to develop a true bond and enjoy each other. Yes, it is amazing how sneaky kids can be but it seems in this case he had his own bio dad putting negative thoughts & behaviors in his head. That is truly disgraceful of him to cause such problems for his own son. I'm so happy things are really looking up for you & your family. And congrats on the lil peanut :0) _Cat

Gosh, I hate this whole procedure. I'm also seeing that medicare supplements are hugely more expensive for 2016. We've had Plan F high deductible in 2014 and 2015, paying under $100/month. Looks like more than DOUBLE for the same coverage next year -- and very little difference in premiums between high deductible and the comprehensive straight Plan F. I'm wondering if we will even GET a supplemental plan next year. I have yet to meet the deductible ($2800) after my hospital stay for pneumonia. (Medicare paid almost everything.) I'd have been better off not paying premiums! We have to do Part D (drug plan). Fun and games running the numbers of who will charge you less for any maintenance meds -- two for DH and one for me (Adviar, at $300/mo. retail). This is a cockamamie system we have in the US.