This Is Us (Medically)

cindi computer

My computer

The other day, as I was walking past my AND my husband’s computer, I noticed both computers had the same thing next to the screens. We each had our daily bottle of heart healthy pills that we must take every day in order to stay alive.

 

Now, wasn’t that a pleasant thought?

At my husband’s last appointment with his cardiologist, he asked specifically how soon can he get off his meds? Without blinking an eye, the cardiologist said “NEVER! These pills are keeping you alive. I saved your life! You need to be on these pills for the rest of your life.” My husband just gasped. Up until that point we had no idea how sick he really was. DH’s doctor’s response was a game changer.

 

nick computer

DH’s computer & daily blood pressure gadget

I’m no better. The drugs I am on are to prevent a future heart attack. The cardiologist (DH and I are using the same doctor) also prescribed a statin to help reduce my cholesterol BUT I don’t do well on statins. Within two days I was vomiting. I’m going to just change my diet and hope for the best. High cholesterol is hereditary in my family.

 

One of the biggest expenses in retirement (other than housing and food) are medical costs. Financial experts advise that a couple, aged 65, will spend at least $260,000 over the next twenty years just to cover Medicare co-pays and deductibles for general basic health care. If you are still in the throes of saving for your retirement, put that amount of money away as your minimum starting figure. I’m on Medicare and have drug supplemental insurance (Part D) through Humana. It costs me $17 a month and I can only fill my prescriptions at a Wal Mart pharmacy. My monthly pills, without insurance would cost me $32. With my insurance, my pills only cost $4 for a thirty-day supply. That’s a savings of $28 BUT when you add back the insurance premium of $17, I’m only saving $11 per month or $132 a year. Nonetheless, in retirement every little bit helps.

DH is still under personal medical insurance, as he is not 65 years old yet. His monthly drug cost, without insurance would run him about $64 per month. Thankfully, with his insurance, his co-pay is only $6.26 a month, which totals out to a savings of $57.74 a month or $692.88 annually. DH gets his prescriptions filled at CVS Pharmacy.

No matter where we are in The United States (as we start to travel more) we can always find a Wal Mart or a CVS and get our prescriptions filled. Both pharmacies use national data software, so no matter where we are in the country, the pharmacy will always have our medical records on hand. You may want to think about this one saving feature when choosing a pharmacy. Sometimes your local pharmacy may not be your best choice.

It’s very fair to say that DH and I are in the midst of making some broad sweeping changes to our lives. We’re prioritizing what’s really important to us. We are hell-bent on eliminating anything in our lives that brings on any smidgen of stress. That means downsizing to a less stressful life AND getting rid of any toxic people inside our family and/or friend circles. If you don’t have the same values as DH and I do, we’re not wasting our breath arguing with you guys anymore. You’re free to roam about the cabin. We release you!

DH and I have carved out a very nice life for ourselves. I’m currently enjoying living back up in the mountains and am delighting in the peacefulness of it all. As the weather gets warmer DH and I will get back to swimming in a local lake not far from our home. Eventually, as the weather turns cooler and colder, we’ll head back down to the warmth of the south and those tropical beaches. It’s all good.

As soon as DH wraps up this last work project he is involved in (most of this income will pay off ALL the recent credit card debt we accumulated) we are going to sell his car (we don’t need two cars anymore because we are always together) and buy another smallish RV.  Yes, yes, yes, I know I swore off all RVs but after doing all my extensive research, in order to adequately see the National Parks on my Bucket List, an RV is the best way to go. First stop: The Grand Canyon (finally!). We also want to go to Zion National Park, see The Hoover Dam, hang out in Las Vegas for a few days, ramble through Sedona, drive down Route 66………well, you get the idea. We have a plan BUT there is no set plan, if you know what I mean.

Different priorities and different mindset. It’s all good.

Live well and prosper, my friend. Live well and prosper.

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6 thoughts on “This Is Us (Medically)

  1. Happy Sunday, I thought you were going to go the Thrifty way of RVing and convert Nick’s truck backend into a sleeping traveling compartment. I was really impress with that option. And It would still allow Nick to change his mind on doing another job in the future. What would be the cost comparison with getting a smallish RV or keeping the truck since its already paid off. One of the blogs I followed uses 24 hour Walmarts for parking when traveling which is offered free. A friends Mother converted her minivan to travel and she would use truck stops shower facilities which some are free and others charge five dollars. She liked Truckstop of America the best. She used Dunkin Donuts password protected free wifi to keep in touch. RV Sue and her canine crew has an antenna and solar panel setup so she boondoggles in the ares you are talking about visiting.
    I also keep forgetting to mention joining the American Horticulture Society with your NY address for Either $15 or $25 dollars annually and the Botanical Gardens in Sarasota is a participating museum of free admission if your legal address is over ninety miles away. In your travels you would have other opportunities to visit other participating sites. Visiting the places you mention after the kids go back to school in early September is so much less congested and fun.
    Do you like celery? I read somewhere that statins use the celeron in celery in its formulary. Maybe do some research on this since statins cause you such problems.
    Sincerely, Lara

    Liked by 1 person

    • Hi Lara. How have you been?
      We can sleep in the back of Nick SUV for a few days at a time. But we’d like to be out traveling a month at a time. Especially if we go to the Grand Canyon as it will take us 10 days just to get there. That much traveling entitles us to at least some creature comforts. Staying in hotels is totally out of the question.
      If we sell Nick’s work sedan, it would be another even exchange for an RV. We’ve been looking at new 16 to 17 footers but would rather wait for a used on to come in. We’re not in any rush. Time is on our side….we just have to bide it.
      Those truck stops to take showers in? I’ll pass. Not comfortable getting naked and showering in those places.
      Our newish RV will come solar ready and yes, we will be boondocking. You can save a lot of money that way!
      I’ll check out the Botanical Garden fees.
      I do like celery as it doesn’t affect me. As for statins, they weaken my legs. Not a good thing.
      Thanks for all these tips! I’ll def check them out!

      Like

      • Life is so so good, I pinch myself just to make sure it’s not a dream. After checking out over 55 communities and the crazy over $12,000 increase to the yearly bottom line to change just the roof over my head I decided to stay in my large house and do things I have wanted to do here. There are too too many other things to spend that yearly 12,000 on that brings so much more joy and FUN! It’s also been fun spending the stock market gains from the change in Presidents.
        I decided to get a travel credit card to pay for my flight to a family reunion and I started with the comparison chart at the blog mad fientist. He is one of those young early retirees that I enjoy reading for ideas. There are some great travel hackers with loads of tips.
        You tube is great for artistic inspiration for me too. And it is amazing what great renovations ideas with how to do it videos are there too. Also, So much easier to find Thrifty ways and to find like minded individuals who have goals of being retired early and pursuing life away from corporate America.
        Hope your new life changes bring you much joy and happiness. The diverse adventures possible when you are retired and done with the responsibility of raising your kids is awesome. My Freedom! And even harder was letting them be free to make their own way as adults! in fact sometimes I still bite my tongue to stop myself from giving my advice. Sincerely, Lara

        Liked by 1 person

      • Lara, sounds like you have some great things going on. Good for you!
        AS I said to Sharon, my new question of the day is: Do you want to be right or do you want to be happy. I want to be happy. That means my mouth stays shut! So not worth it anymore.
        Thanks for sharing. Yes, life is good right now. YAY! We deserve it!

        Like

  2. Sounds like a doable plan for sure.You are smart to be aware of where your stress is coming from and just get rid of it. Health comes first. It’s very hard to convince someone of a different opinion anyway, so why bother? Smile and realize that someday they will be in your position and realize you weren’t as ‘dumb’ as they thought. I’ve been biting my tongue an awful lot these days. Just not interested in arguing.

    Can’t wait to see some great upstate NY pics that I just know you will be taking. I LOVE me some upstate summer photos! 🙂

    Liked by 1 person

    • Hi Sharon.
      The new question I have been asking myself lately is “Do you want to be right or do you want to be happy?” Naturally of course, I want to be happy. So, in order to accomplish that I have to walk away. Which I have been doing. Each day gets better than the previous one.
      That’s what its all about! Thanks for your comment.

      Like

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