Regarding insurance, TVA is the red-headed stepchild of the federal government. Possibly the least government-ish of government behemoths, but only because there are competitors out there (Louisville Gas & Electric, Georgia Power, Duke Energy, etc.) that keep us somewhat in check.
Anyway, we are stuck with BCBS of TN as our provider, regardless of which plan we choose individually. I’m starting to look at the Medicare side of things as I’ll be “of age” next year and will also be retiring. No gold-plated plans for us and we pay out of pocket on retirement, though I think we’re better off than someone that is stuck with Obamacare. Will definitely be looking at supplemental too.
Interestingly, when I first came to TVA, there were 4 or 5 companies that had plans from which we could choose. BCBS, Cigna, couple of others - but no more. I went the cheap route with the HSA and high-deductible insurance, since it costs me less. I remember the good old days when health insurance was fully covered by the employer - back in the 80s and 90s at a previous employer. Even that company doesn’t do that any more.
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I suppose those of us in the 24 states who are stuck with ERIC better slog through this critically informative but wordy column, with Jim Hoft:
~~~
https://www.thegatewaypundit.com/2023/04/must-read-the-eric-false-narrative/
I hope you can get a good supplemental plan through TVA. You can say a lot of things about P&G but they do take care of their retirees. I hope TVA does as well for you!
This plan we have now combines Medicare with P&G sponsored UHC. We can see any doctor in or out of the network. We still pay our Medicare premiums but my P&G plan covers both of us for medical, dental, vision, Silver Sneakers, and telehealth. My premium for that is $180 a month but my Gillette pension is enough to pay it.
PM’ing you something more private.
I planned for early retirement. LOL I stayed for almost 40 years in a job I sometimes hated to save all I could save and retire debt free with good benefits. I let P&G pay for my college. I drove the same vehicle for 20 years. We’ll never be rich, travel, or have a lot extra but we are debt free, have a farm, and get by.
I worry about young people just starting out that don’t save and don’t give a thought to getting old.
“I remember the good old days when health insurance was fully covered by the employer - back in the 80s and 90s at a previous employer.”
I remember when employers didn’t have to cover health plans. Medical costs were a lot lower and Drs didn’t have to have a office person to handle all the paperwork. Don’t get me started on the lawyers roll in the “Medical Industry”...