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.
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.