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AARP Dental Insurance


I’m going to look into the AARP Dental Insurance plan. If you saw my article where I just joined the AARP, you know that I saved ½ on my car insurance just by joining AARP. When I retired on October 1st, 2009, I took the whole medical/ dental package, since I didn’t know how my expenses and my medical/dental coverage was going to all work out. So I got the whole package combined.

My dental premiums are banded and based on age. Band or banded is a term that means people are grouped into a rate category by age. Think of the band like a group. The band I am in is for the 51 to 60 years old. The next band goes from 61 to 65. Then from 66 to 70.

My dental premiums are the same as they were when I worked full time. That’s because the company was not paying half for the dental insurance – they were only paying for ½ of the medical. My medical is twice what I used to pay since the company is not paying half like they used to. But I knew that was going to happen. Continue reading AARP Dental Insurance


May 6th, 2010 | Tags: , , , , , | Category: Insurance, Planning | 4 comments

I Just Joined the AARP


Please don’t laugh. I’m over 50 and for the past two years, the only people that know this is the AARP. I’ll bet I get a letter from them, about joining the AARP, about every three months. I’m not sure I like their political leanings, but I have to admire the benefits of membership.

I joined because the price of my car insurance is going to be ½ of what I was paying before. I don’t know if I made that clear enough – I’m paying ½ of what I was paying before. I signed up for a 10 year membership, so my AARP renewal will come due shortly after I am eligible to start collecting Social Security – if it is still around in ten years.

I have always been careful with my car and how I drive. I don’t get tickets and don’t get into accidents, and every year the cars get one year older and my premium goes up and I pay more money for what amounts to be less insurance. Continue reading I Just Joined the AARP


May 4th, 2010 | Tags: , , , , , | Category: Insurance, Planning | 3 comments

The Importance Of Early Retirement Health Insurance


If you are considering early retirement, there are three kinds of health you need to be concerned about – Physical, Financial and Mental.

Obviously, the most important health you need to have are the financial resources needed to implement a retired lifestyle. Your financial health is your first concern. Many people have this as their first stumbling block to overcome.

In addition to financial health is the consideration of physical health.  Therefore, an individual should look into early retirement health insurance. If you have considerable financial resources, then you might want to consider a Major Medical policy. This is otherwise known as a catastrophic policy. It picks up medical expenses after you pay a significant deductible and covers you so you don’t get wiped out during a health crisis.

Specifically, when looking at early retirement health insurance it is important Continue reading The Importance Of Early Retirement Health Insurance


January 14th, 2010 | Tags: , , , , , | Category: Planning | Leave a comment