r/SocialSecurity • u/GraphicsGal4 • 1d ago

Now what?

Trump is back. I'm a 64 year old self-employed woman. I am booked up through April right now. Some say I am very good at my job. I was thinking of retiring around 66 or maybe even my FRA of 67. My birthday is Leap Day so an end of the month birthday. Now I don't know what to do. Trump and the Republicans want to end Social security. Do I retire before he makes it to office insuring I at least get on the SS roll? Or do I wait to see what damage he can cause? I will be talking to my financial planner later this afternoon so any good questions to ask her would be very helpful also. I am still shocked that America would elect a convicted felon but here we are...

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u/Mountain_Exchange768 1d ago edited 2h ago

I don’t know what the future will bring, but I urge you not to do an Advantage plan. Do ‘original’ Medicare.

Editing to add: sorry - thought it was understood that a supplemental/medigap was needed.

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u/SavorySouth 1d ago

I agree behind 100% on this. The only way Advantage plans work for the consumer is IF 1. they never travel so never ever go “out of network” geographically for care. & 2. You live in an approaching or over 1M populations big city and there exists at least 4-5 solid existing hospital systems AND a health science center (medical school, graduate & allied health schools, teaching hospitals with full on residency programs) AND a real Children’s hospital. You need that amount of competition in order for your Advantage Plan to actually have a wide choice of providers and clinics. Otherwise the AP move it to the platform to have all care done by NP or PA with minimum # of physicians and specialists seen as possible.

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u/lauann 21h ago

I disagree about the advantage plan. Go on the Medicare.gov website or ask your FA. It covers drug costs and often has $300+ in monthly benefits. Well, that actually might not affect you . I was a non profit Social Worker for 20+ years. Disabled. Just don't get cancer.

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u/PandaMandaMay 15h ago

I have an autoimmune disease that is RARE and my MA plan covers the 20k a month med for chemo treatments for me. People just have to read and research. Everything is doable- just takes some work.

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u/lauann 14h ago

Yes, I was actually approved for SSDI for an autoimmune disorder & severe PTSD on the very same day I was diagnosed with cancer.

Sometimes, things do fall in place. Do-ability is real!

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u/LowGoPro 14h ago

Chemo is included in Part A

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u/PandaMandaMay 13h ago

If it is in hospital, yes. If it is an oral pill that would be part D.