I'm not the kind of guy who welcomes
covering the same ground twice. It runs counter to my nature. I am
such a slacker at heart, I can barely stand to do something the first
time; let alone, go back and do it again.
This goes double for sending off an
e-mail to an editor to make a correction in a story that I've already
filed or, heaven forbid, one that has already posted. I found myself
doing that twice in the past week with two different first-drive
reviews that I had to knock out over a 36 -hour period. It's even
worse when the error is pointed out to me by the carmaker, as one of
my recent errors was. Ouch.
One of the best things about writing
for dot-coms is that errors are easily fixed. It doesn't alleviate
the embarrassment; but it does mean that, if caught in time, most
readers will never be aware of the initial foul up. Unlike print
media where the error remains for eternity, only mildly mitigated by
a correction in the next issue, online mistakes can be erased. It's
still not fun to go hat in hand to an editor bearing the evidence
that you are an idiot. Not to mention, it's wasting time that
shouldn't have been wasted.
I hate covering the same ground twice.
In that vein, here's a bit of advice:
Don't turn 65 if you can avoid it. Here endith the lesson for the
day.
Sprinkled within my parade of personal
and business trips the past six weeks – and there have been a bunch
of them – were all-too-brief periods at home during which I was
faced with addressing all the nonsense involved in turning 65, which
I will officially do this Sunday. Gasp!
My dad died at age 52 and my mother at
55. Those who know me are aware that I always believed I'd be dead by
age 60. Had I known what a pain in the ass it would be to turn 65, I
might have worked harder to make that age-60 end date a reality.
At the top of the turning-65-BS-hit
list is making the transition from Obamacare to Medicare. I didn't
want to participate in Obamacare to begin with. In fact, I didn't its
first year, opting instead to pay the $95-or-so fine – and yes my
civics-challenged friends it's a fine and not a tax – rather than
be just another leech on the butt cheek of society. However, when
that fine grew to more than my piddly income dictated I would have to
pay in premiums, sadly, I capitulated.
Because I did the math and decided the
best way to maximize my Social Security benefits over the long haul
was to begin accepting payments at age 62, I didn't have the choice
as to exactly which month Medicare would kick in. Without wading too
far into the weeds, anyone not already accepting SS benefits at age
65, has a four or five month window in which to sign up for Medicare.
Those already accepting SS benefits when they turn 65 are
automatically signed up for Parts A & B in their birthday month.
See, you've learned something else
today.
Once I was aware that that the Feds
were going to enroll me in Medicare this month, I had to take some
action. I had a small three-day window the end of July to meet with
an independent insurance agent to discuss my Medicare options. There
is a lot to digest in this arena.
I met with Marvin Carter of the Carter
Agency in Mauldin, SC on the Thursday morning of July 21st.
Marvin gave me the basic 411 on my options using an automotive
metaphor. Yes, he dumbed it down for me. He sent me home with a
hearty handshake and an armload of research materials.
I occupied myself through most of
Friday pouring through my Medicare homework and considering my
options. Having come to a decision, mid afternoon I called Marvin. I
had already discussed with him my jammed-up schedule that had me
flying out to a Nissan program on Sunday that was backed against a
personal trip to see my family in New Mexico that carried me through
the end of the month. He volunteered his wife Bonnie to come in on
Saturday morning to meet with me and sign all the paperwork.
The issue was an appointment with Doc
Budelmann, scheduled five months earlier that was to take place on
August 19th. I wanted to have all my ducks in a row, so to
speak, so there weren't any insurance issues in paying for that
visit.
Sometimes I make myself laugh.
Then began my quest to cancel my
Obamacare policy. What a shit show. I won't bore you with the details
of this fool's errand, but it required nearly two weeks to finally
determine the agency responsible for processing my cancellation
request. Any sane person would think that it's the insurance provider
carrying your policy, right? Wrong. Nope. You've got to go the
Obamacare exchange. Because it's government, and that this government
agency has to sift through the layers and finally notify the
insurance provider, my Obamacare policy remains in effect until
August 30th.
“So what?” you ask. So what,
indeed.
My gut told me to postpone my doctor's
appointment until September when all of this would be resolved, but I
pressed ahead anyway. Arriving at the doctor's office, my shiny, new
Humana Medicare Advantage card in hand, I explained to the doctor's
assistant that I was changing insurance providers. After clicking
away on her laptop for a while, she reported that both insurance
providers were listed as my primary insurance and I needed to choose
between them. Despite having to fork over a $15 copay with the
Medicare insurance – office visits were free with my Obamacare
policy – I opted for Medicare.
Once I got into see the doc, we agreed
I would have a couple of tests Medicare requires, as well as a couple
of immunizations that Medicare pays for in full. As I cooled my heels
waiting to get into the in-house lab to have blood drawn, the doc's
assistant tracked me down to double check on my insurance-provider
decision. Totally confused, I hemmed and hawed for a few seconds. She
said I could have the weekend to think about it. I was to call her on
Monday.
Calling, I left a message on her
voicemail that I would stick with Medicare. Thinking all was right
with the world, I went my merry way. Later that day, I received a
call from her that the insurance clerk at the office reported that
she couldn't file the insurance-claim request with both insurance
companies still designating themselves as my primary insurance. I had
to go to my Obamacare provider and get them to designate themselves
as my secondary insurer.
Knowing the carrier would just pass me
off to the government, I called the Obamacare agency. A 15-minute
phone call produced virtually no results. Although the person with
whom I spoke was very accommodating, the long and short of it is that
they could make themselves the secondary insurer, but it would
require about two weeks. Let's see, it's August 23rd and
the policy was already scheduled to officially cancel on the
30th....carry the one.... So what good would that do me?
Calling back the doc's office I
explained the time issue and offered that if the insurance clerk
simply waited until September 1st to file the claim, there
(fingers crossed) shouldn't be an issue. Three days later I haven't
heard anything more about it. I have no clue if the problem is
solved. If not, round three.
Did I mention I hate covering the same
ground twice. I really hate it a third time!