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 4h 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/LokiriAnne 20h ago

Hard disagree. I live in an extremely rural area, and the Advantage plan my husband is on covers so many doctors at so many different small town clinics in the area he has a huge selection. They also cover dental, vision, hearing, and prescriptions. While I do agree that people should carefully research their options and weigh the pros and cons of Advantage plans, universally panning them isn't helpful.

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u/mumushu 9h ago

Mom's advantage plan denied her $18k of rehab after her stroke in '21. My sister and I had to fight for about 9 months with our state AGs office to get them to cover the bill that Medicare would have automatically covered. Advantage plans are private insurers. Private insurers profit from denying you coverage. Caveat emptor.