Theresa’s Thoughts

    We are long term investors of rational companies around the world

    As always, what we need to remember is that we are not investors in the random markets, but rather we are shareholders of capitalism in a variety of companies that act rationally to grow their profits and dividends.

    Instead of experiencing “stock market” declines as “losses”, we experience them as temporary setbacks in the long upward march of shareholder capitalism.

    The Silver Lining of Equities

    In spite of the negativity we see regarding the markets, there are a few positives to remember.

    2023 New Year Notes

    Happy New Year! Onward and upward in 2023! ~ "Optimism is the only realism" ~ Nick Murray


    What Does Medigap Insurance Cover?

    Medigap, also called Medicare supplement insurance, is a type of optional coverage offered by private insurance companies. It is designed to pay some—or all—of your Medicare Part A and B copayments, coinsurance, and deductible costs.

    What Does Medicare Part D Insurance Cover?

    Medicare did not cover prescription drugs until the Medicare Modernization Act of 2003 added Part D to the program.

    What Does Medicare Part C Insurance Cover?

    Medicare Part C is a Medicare-approved private health insurance plan. Part C, also known as a Medicare Advantage plan, is an alternative to Original Medicare.

    What Does Medicare Part B Insurance Cover?

    Medicare Part B insurance covers doctor services, outpatient services, and durable medical equipment. It provides coverage through Original Medicare and has cost sharing that includes deductibles and copayments.

    What Does Medicare Part A Insurance Cover?

    Medicare Part A insurance covers inpatient care in a hospital or a skilled nursing facility, as well as hospice care. It provides limited coverage for nursing home and home health services.

    What Do I Need to Know About Medicare If I Have Employer-Provided Health Insurance After Age 65?

    As you approach your initial enrollment period, which begins three months before your 65th birthday, you may have several questions about Medicare enrollment if you or your spouse continue to work and have employer-provided coverage. Your specific circumstances, Medicare’s payer rules, and the IRS’s tax rules will determine the answers. Here are common questions and guidance about potential answers.

    Enrolling in Medicare

    The process for enrolling in Medicare is surprisingly easy. But before enrolling, you will need to make a choice about how you want your Medicare delivered. Unlike an employer’s health plan, you may have dozens of options from which to choose.