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  1. J

    Medicare with Medigap or Medicare Advantage?

    Ok-- maybe we can continue to revive this thread occasionally over time in order to compare notes as we progress through our old-age insurance journey. Others might be helped by our findings. Talk to you soon!
  2. J

    Medicare with Medigap or Medicare Advantage?

    You're happy now, but I keep warning you that your current happiness with Advantage in no way guarantees your future happiness with Advantage (when you're older, sicker, and costing your Advantage plan far more money). This is exactly the part that I'm hoping (but am doubtful) that they will...
  3. J

    Medicare with Medigap or Medicare Advantage?

    Wow-- I should add that one to the list of tells I posted above!
  4. J

    Medicare with Medigap or Medicare Advantage?

    Yeah, there's a reason why the insurance industry is the most highly regulated industry in the country. Lots of room for dispute even if all parties are acting in good faith. But since insurance provides great opportunities for profit from bad faith, it means that the regulatory laws have to be...
  5. J

    Medicare with Medigap or Medicare Advantage?

    I addressed that in my first post on this thread (in the OTHER, NON-FINANCIAL ANALYSIS section). There, in part, I wrote: You should read the whole section. Bottom line is that, yes, there is a contract, but it has a loophole in it big enough to drive a truck through. You don't need to...
  6. J

    Medicare with Medigap or Medicare Advantage?

    That's true, but note that Plan F is now a "closed book" plan, meaning that since 2020 there are no new enrollees. That means the pool of enrollees is getting smaller, older, and sicker, which means that rates for that plan are really going up (despite alarmguy's assertion to the contrary)...
  7. J

    Medicare with Medigap or Medicare Advantage?

    Yes, I'm sure you failed to produce the requested independent broker recommending Advantage plans over traditional Medicare in end of life/extended care situations because I failed to use enough "statistics and factual matter" in my arguments. And, in your PS you present yet another cost...
  8. J

    Medicare with Medigap or Medicare Advantage?

    Let me first assure you that your Medicare choices are very low on the list of things that affect my happiness. I can also assure you that I take all discussions as friendly and am rarely provoked into anger by any discussion. So, no problem there. Finally, I can also assure you that I have no...
  9. J

    Medicare with Medigap or Medicare Advantage?

    I already gave examples in my earlier post of the type of catastrophic event that could lead to an Advantage denial. I'll link one again here: Note that were talking about extended care in a skilled nursing facility after a hospital stay, not long-term care. You are correct that neither...
  10. J

    Medicare with Medigap or Medicare Advantage?

    That's great, and the positives you are experiencing truly are the "advantage" in the Advantage plans. Unfortunately, those advantages will almost certainly begin to fade as your healthcare needs move from (relatively) more routine and inexpensive, to more substantial and expensive as you age...
  11. J

    Old oil, LOW miles: The TRUTH please?!

    Not according to the Fram engineering labs as relayed by @dnewton3 here.
  12. J

    Old oil, LOW miles: The TRUTH please?!

    This question has been asked many times by many people (including by me earlier this year). You can do a quick search to review all those threads (as already provided by kschachn), but I think I can save you the trouble as I've not only asked about this but also searched the subject extensively...
  13. J

    3 Pack of Pennzoil Synthetic Euro L 5W-30 5qt. for $43.29 ($2.89/qt) @ Amz

    Amazon just refunded my money on that second box that they said was damaged in shipping. Oh, well-- glad I at least got three jugs at that excellent price!
  14. J

    3 Pack of Pennzoil Synthetic Euro L 5W-30 5qt. for $43.29 ($2.89/qt) @ Amz

    I ordered two of these 3-packs, and one of them just delivered! For some reason, even though it was always just one order of 2 x 3-packs, Amazon has always shown them as two orders. Early this morning, both said there was a problem with shipping, with this information being in the "see details"...
  15. J

    3 Pack of Pennzoil Synthetic Euro L 5W-30 5qt. for $43.29 ($2.89/qt) @ Amz

    Uh oh.... Just got this email: "Unfortunately, a problem occurred during shipping. If you have not received your package in 2 days, please visit Your Orders for an update. We're sorry for the inconvenience." Not a good sign! :(
  16. J

    3 Pack of Pennzoil Synthetic Euro L 5W-30 5qt. for $43.29 ($2.89/qt) @ Amz

    Me too-- just got the email that it's shipped-- also supposed to arrive on Thursday! That's well ahead of the 4/24-5/14 window that they gave me. Now, like you, just gotta hope I get the right stuff!
  17. J

    Anti-drainback valve?

    Yep-- you're right. I got "ADV" and "bypass" mixed up.
  18. J

    Anti-drainback valve?

    I have two 1985 l98 350's, and have used the Wix 51069 (no drainback valve or bypass). On the Corvette Forums, it has been stated that these engines have an ADV built into the block. FWIW, I've never had any issues with either engine taking time to build oil pressure (it's pretty much...
  19. J

    3 Pack of Pennzoil Synthetic Euro L 5W-30 5qt. for $43.29 ($2.89/qt) @ Amz

    I guess I spoke just a little too soon-- just got the email saying that I'm rescheduled for Apr 24 - May 14. (but still not shipped). So, hope is still alive! :)
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