The popular thread “How much do YOU think YOU need to retire…and at what age will you and your spouse retire?” has other offshoot ideas - health is a key one, along with preserving the nest egg during retirement years. Some may feel they need to relocate for better retirement health, and also some make changes to be in a community of retirees as one either slows down or wants to find others who have same interests and activities. Cousin and spouse retired and changed to retirement community with single family homes and also enough savings in new place to continue to balance off RV experiences - they looked in various states, and found one not too far from DD/SIL.
So beginning a thread to get discussion going.
DH retired Nov 2020 and I retired 1 year ago. We are both now 66 and have stayed in current home - primarily with great house and community, DH’s local hobbies, and great medical care; also central to travel to family N and S of us. Once on Medicare and me away from my job - we started 2022 with much closer examination on PCP and Specialists visits, testing, medical procedures. DH had a cardiac ablation procedure to get rid of Paroxysmal A Fib which developed/was noticeable right after his 2nd Covid shot (and he has had no more COVID vaccinations, while I did do one booster). He began a name brand via Cardiologist - drug that he will need to continue (to prevent stroke in event that A Fib does occur again plus a composite risk assessment) - and so experienced increased pharmacy costs under his Medicare D drug plan. Just re-analyzed our plans and we both will switch drug plans for 2023. I will make sure after Oct 1 the Medicare data base pricing was correct on the comparisons – and we can use the open enrollment period for our Medicare D drug plans. The change with my plan was a savings of over $800/year, and his $230/year. The one name brand drug has a pharmacy costs of $565/month - and the plan we had turns out to have handled it OK; DH was just on inexpensive medications so once he was prescribed this drug, we had the $480 deductible, cost sharing at lower level, and then cost sharing at higher level (currently $126/mo).
I keep separate vaccination records, and was surprised when I was informed there are 4 different Pneumonia – Pneumococcal Polysaccharide Vaccine 230-Valent Injections. Walgreeen Pharmacist gave me a print out. Called MD office to find out DH and I both received Pneumovax 23 mid-2017. So we can ‘update’ with Prevnar 20 this week.
We got our flu vaccines last week - FLUAD 65+ Quad PF.
I keep a one page summary sheet where I list our immunizations - and have a folder with that information. At the time we had the Pneumonia Vaccinations, I had just assumed there was only one (which may have been the case in 2017) - but the Walgreen’s Pharmacist said they recently received their vaccine comparison on this.
Found out TDAP (tetanus you want every 10 years) plus it has pertussis - often insurance before Medicare pays better on these vaccinations/100%, as it also does for shingles – current is Recombinant Zoster RZV (given in 2 doses). MD wrote a prescription for TDAP so it did run through Medicare D drug plan at pharmacist/injection – but before on private insurance we would have paid $0. DH and I both had the shingles shots (prior one and the 2 dose RZV) under private insurance.
Pharmacy in most cases seems to be the new go to place for immunizations. Medicare covers the flu shot and whatever COVID vaccination you want, as they continue to roll out additional COVID vaccinations.