I learn something new everyday. I've been getting letters from my insurance provider urging me to switch to one of their 'preferred pharmacies' so I could save more on my prescription co-pays. I've been reluctant to switch, since I've been going to this pharmacy forever and I like the people there. Today I decided to see how much I would save if I switched. Would you believe nothing. Absolutely nothing. Insurance hasn't even been paying for my prescriptions since the retail price for these generic drugs is less than the co-pay. Evidently, if the retail price is less than the co-pay, you just pay the retail price and insurance pays nothing. All this time I've been thinking that my prescriptions were a lot more expensive than they actually were. I thought I was getting a bargain, but I was just paying retail.
So why do I even have Part-D coverage if the insurance is paying nothing? I guess the answer is pretty simple. It's insurance. When I was being treated for Hepatitis C, one of the drugs I was taking was horrendously expensive. A lot of cancer drugs are extremely expensive as well. As I was told today, you don't have Part-D coverage to pay for common Tier-1 medications. You have it so you don't get wiped out if your doctor prescribes some life saving but hugely expensive drug. Fair enough. I just never realized that I'd been paying retail for my pills. I guess I could save a little by switching to a mail order pharmacy, but it isn't worth the trouble. I'll just leave things alone.
My taxes are ready to submit. I was still confused why I owed more than I did during my peak earning years, so I called my accountant again. I'd glad he's a patient guy. To make a long story short, social security payments, plus required IRA distributions, plus the art sales and the fact that I had nothing withheld this year put me in a higher bracket than I was before. "You're doing OK," the accountant told me. "Then why do I feel so poor," I asked?
Dash continues to seem a little stronger on his walks while simultaneously appearing a little weaker around the house. I would think he'd be stronger around the house but tire quickly on walks, but the opposite is happening. I'm just glad that he's still interested in something. Dash still seems to love his daily walks. Unfortunately, he doesn't seem to love the special food we've been cooking for him anymore. Why? This special stew is so good that I could eat it myself. Dash has gone back to preferring dog food though. Go figure.
My dentist called today to remind me of an upcoming appointment. I need to remember to ask him if I need a new Essix retainer. My old retainer broke in half a few months ago, so it is basically worthless. I'm hoping that the dentist will say I don't need the retainer anymore, but I imagine he'll recommend fitting me for a new one. Dentists never recommend less dental care. Maybe I do need the retainer. My teeth seem to be shifting a little. I wonder if old people ever need orthodontia? I'd feel weird wearing braces at my age.
I'm hoping that Dash will let me sleep tonight. We didn't do so well last night. I'm probably doomed to feeling perpetually tired.
Bubba is today's Dalmatian of the Day |
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