Miscellaneous

Doctors	Medicare	Del Webb
Drugstores	Medicare Advantage	Retirement Living
Dental	Medicare Supplemental	Savings
Eyes	Politics	Taxes
Ornish	Real Estate	Tricycles

Return to Index

Doctors

Chiropractor
- Dr. Roger Clifford, D.C. (05/19)
  - 4222 Trinity Mills Rd, Suite #106
  - (972) 934-1660
  - Mon-Thurs: 8:00 am - 1:00 pm, and 3:00 pm - 6:00 pm
  - Medicfusion Patient Login (10/16)
Dentist (Prosthodontist)
- Dentistry for Adults (P. Andrew Benson) (09/19)
  - 6300 W Parker, Suite 223, Plano, TX 75093
  - Medical Office Bldg 2, closest to Midway Road (use parking lot C)
  - 972-981-8653
  - Hours: Mon: 9-5; Tue-Thu: 8-5: Fri: 8-2 (occasionally until 5 pm)
  - We will attempt to maximize your insurance benefits
  - Major credit cards
  - Email: drbenson@denistryforadults.com
  - Dr. Benson is board certified
  - Dental technician (Larry Costin, The Lab Guy)
    - 2828 W Parker, Plano, TX (Parker & Independence)
    - Larry selects the custom shade for your teeth
- Cook Periodontics (Periodontics & Dental Implants) (01/23)
  - Jeremiah B. Cook
  - Phone:469-888-4315
  - Hours: Mon-Thu: 7:30am-4:00pm; Fri-Sun: Closed
  - 5858 Main St, Suite 260, Frisco, TX 75034
  - Trip #1:
    - DNT north to Main St
    - Main St East one block to World Cup Way
    - North on World Cup Way
    - Turn (right) into parking lot north of the building
    - Office is in the center building
    - Building is next door to Toyota Stadium
Eye Doctors
- Ophthalmologists
  - Dr. Kimberly Warren (cataract surgery; 55 years old) (07/24)
    - Key-Whitman Eye Center (07/24)
    - 3060 Communications Pkway Ste 205, Plano, TX 75093
      - (972) 769-2020
      - Mon-Fri: 8:00am-5:00pm
      - NE corner of Wedgewood Dr and Communications Pkway
      - Actually ONE block north of Wedgewood Dr
      - SE corner of Parker & Communications Pkway
      - Actually TWO block south of Parker
      - In the same building as the Texas Heath Neurosurgery & Spine
    - 11445 Dallas Pkwy, Ste 240, Frisco, TX 75033; (214) 220-3937
  - Dr. Lewis Frazee (74 years old) (07/24)
    - Dr. Lewis Jacob Frazee @ northtexaseyecenter.com (07/24)
    - Accepting patients
    - Fri, July 26th 8am; Plano office; 10-15 min early (Frazee)
    - North Texas Eye Center
    - Phone: 972-867-7777
    - 751 Hebron Pkwy, Ste 230, Lewisville, TX 75057
      - Mon-Fri: 8:00am-5:00pm
      - NE corner of Hebron and Lakepointe Dr (just E of 35E)
    - 4100 W 15th, Ste 210, Plano, TX 75093
      - Mon-Fri: 8:00am-5:00pm; Sat: 8:00am-12 noon
      - 972-867-7777
    - Dr. Ellen Ngo (07/24)
    - Dr. James Passmore (07/24)
      - Dr. Ellen Ngo @ northtexaseyecenter.com (07/24)
  - Dr. Marvin Hsiao @ leeeyesurgery.com/ (02/20)
    - GREAT expericence!
    - He removed a scar on the cornea (old wound)
    - He diagnosed cornea edema, and suggested salt eye drops
  - Eye Surgery Center of North Dallas (02/20)
- Glasses Prescriptions
  - How to Read Your Eye Prescription @ warbyparker.com (08/23)
  - Eyeglass Prescription Positive Cylinder Conversion @ aclens.com (08/23)
    - Ophthalmologists write astigmatism prescriptions with positive (+) cylinders
    - Most eyeglass labs cut lenses in the negative (-)
  - Optical Transposition Calculator @ chadwichoptical.com (08/23)
    - SPH CYL AXIS: +1.00 +0.50 180 ==> 2.50 +0.75 80
  - Effective Power (08/23)
  - Diopter Radius Curvature Calculator @ chadwickoptical.com (08/23)
  - Aniseikonia Calculator @ chadwichoptical.com (08/23)
  - Sagitta Calculator (08/23)
- TransVision Eye Care (08/23)
  - 18181 Midway Road, Suite 100, Dallas, TX 75287 (SW corner Midway & Frankford)
  - 972-662-2020
  - Mon, Tue, Thu, Fri: 9:00 am - 5:00 pm; Wed, Sat: 9:00 am - 2:00 pm
  - Huey Tran, OD
  - Has been serving North Dallas for more than 15 years
  - Dr. Huey Tran also enjoys fitting contact lenses for everyone,
    especially those hard-to-fit patients
  - Accepts VSP
  - Patient Forms (08/23)
  - TransVision Eye Care @ yelp.com (08/23)
  - TransVision Eye Care @ reviews.birdeye.com (08/23)
- Our Doctors @ myeyedr.com (08/23)
  - MyEyeDr. Locations near me (08/23)
  - MyEyeDr. @ Trinity Mill Rd (08/23)
    - 2810 E. Trinity Mills Road, Suite 173, Carrollton, Tx
    - 972-416-1270
    - Mon-Fri: 9:00 am - 6:00 pm
    - Sat: 8:00 am - 2:00 pm
    - Dr. Victoria Tran (graduated as valedictorian in 2019)
    - Dr. Philip Stiles (64 years old)
  - MyEyeDr. in Hebron Parkway (08/23)
    - Book an appointment @ Hebron Parkway (08/23)
    - 3012 E. Hebron Pkway, Suite 100, Carrollton, TX
    - 972-307-5000
    - Opens at 9:00 am Monday (not open on Saturday)
    - Dr. Chris(topher) H. Peterson (47 years old; MyEyeDr since Jan 2020)
      - Dr. Christopher H. Peterson @ eyedoctor.io (08/23)
      - Graduated from University Of Houston - College Of Optometry in 2006
    - Dr. Timothy Leach (keratoconus, glaucoma)
    - Dr. Mary Ann Peck (practiced for over 33 years; 66 years old)
  - MyEyeDr. in Plano - Midway Rd (08/23)
    - 3405 Midway Rd, Suite 421, Plano, TX
    - 972-801-2727
    - Opens at 8:00 am Saturday
    - Dr. Morgan Schultz (graduated in 2019 with Summa Cum Laude; sounds good)
    - Dr. Amritha Toppae (age 31)
  - 2313 W. Parker Rd, Plano, TX 75023
    - 972-612-2015
    - Dr. Brian Rast
    - Dr. Parisa Foroutan (bilingual in both English and Farsi; trained in San Antonio)
    - Dr. Bilal Ismail (glaucoma; intense light pulse therapy)
    - Dr. Johnson Ly
  - MyEyeDr. in Prestonwood (08/23)
    - 5495 Belt Line Rd, Suite 160, Dallas, TX
    - 972-980-1773
    - Opens at 8:00 am Saturday
- Donna Haas @ trinityvision.net (03/22)
  - 2765 E. Trinity Mills Road #405
  - Carrollton, TX 75006
  - (NW Corner of Trinity Mills and Marsh)
  - (972) 818-3937
  - Hours: Mon-Thu: 9am-5pm; Fri: 9am-2pm
Podiatrist
- Kellvan Cheng @ elitefootankle.com (08/19)
  - 4222 Trinity Mills Road, Suite 112, Dallas, TX 75287
  - South side of Trinity Mills, east of Westgrove (same building as Chiropractor)
  - 214-710-1028
  - Mon-Fri: 8:00 - 5:00
  - Tuesday, August 20th @ 10:30 am (left big toe, partial nail removal)
  - Friday, October 18th @ 9:30 am (left big toe, total nail removal)
  - Tuesday, November 5th @ 9:15 am (status check)
  - Tuesday, November 19th @ 9:15 am (right big toe and pinky, nail removal)
  - (status check)
  - GREAT doctor!

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Drug Stores, etc

Information
- Thyroid USP Porcine Now Available (as of Dec 14, 2022) @ pccarx.com (09/24)
- Thyroid Porcine @ drugs.com (09/24)
  - Brands include: APur Thyroid, Armour Thyroid, Bio-Throid,
    Nature-Throid, Niva Thyroid, NP Thyroid, Westhroid, WP Thyroid
- Armour Thyroid @ pharmacy.amazon.com (09/24)
  - 60 mg (1 grain); 1 tablet; 30 days; $33.22 (with prime)
- Armour Thyroid @ rxabbvie.com (09/24)
  - Armour Thyroid is derived from porcine thyroid glands
  - It is not approved by the FDA
  - Desicated Thyroid Extract (DTE) is called Armour Thyroid, NP Thyroid,
    Nature-Thyroid, and Natural Thyroid
- Armour Thyroid @ pushhealth.com (09/24)
- Naturopathic Doctors
  - Renewed Vitality (thyroid doctor) Dr. Spurlock (09/24)
  - Naturopathic.org (09/24)
    - Dr. Kimberly Wilson (09/24)
Retail Drugstores
- Armour Thyroid @ goodrx.com (60mg tablets; 90 tablets; $99.00) (09/24)
- CVS Pharmacy #7440 (05/23)
  - 17410 Marsh Lane (and Trinity Mills), Dallas, TX
  - 972-306-4931
  - Pharmacy hours: M-F 10-8 (closed 1:30-2:00); Sat 10-6; Sun 11-6
- CVS Pharmacy #7623
  - 4610 Frankford Rd, Dallas, Tx (east of DNT)
  - 972-732-6197
  - Pharmacy Mon-Sun: open 24 hours (closed 1:30-2:00 pm daily for lunch)
Compounding Online
- CSF Pharmacy (NJ) (09/24)
  - Thyroid Porcine 60mg; 90 caps; $79.95 + $4.95 shipping
- Empower Pharmacy.com (Houston, TX) (09/24)
  - Refuse to quote a price without a precription
- ReviveRX.com (09/24)
  - 888-689-2271
  - Houston, TX
  - Thyroid Porcine 60mg; 90 caps @ $101.25; 180 caps @ $202.50
  - Request Presription (09/24)
- Glendale Pharmacy (NP Thyroid) (09/24)
Compounding Drugstores
- Plano, TX
  - Abrams Royal, Plano (09/24)
    - P: 972-599-7700
    - Mon-Fri: 9am-6pm | Sat-Sun: Closed
    - Thyroid Porcine: 30 caps @ 60mg: $43.28; 90 caps for $129.84
  - Texas Star Pharmacy (09/24)
    - 3033 W Parker Rd, Suite 100, Plano, TX
    - Located at Parker & Independence
    - 972-519-8475
    - M-F: 9:00am-6:30pm; Sat: 9:00am-1:00pm
    - Can handle Thyroid Porcine
    - Refuse to quote a price without a precription
  - Spring Creek Pharmacy
    - 4666 McDermott Rd, Ste 200, Plano, TX 75024
- Dallas, TX
  - A&M Drugstore (09/24)
    - 15340 Dallas Pkway, Suite 2630, Dallas, TX 75248
    - Northbound DNT & South of Arapaho (east side)
    - 214-377-8066
    - Mon-Fri: 9am-5pm
    - aandmdrugstore@gmail.com
    - Can compound Thyroid Porcine; about $48 for 30 caps
    - Can compound 90 caps for much less money; talk to Mel
  - Doughertys Pharmacy (good comments) (09/24)
    - New Patients: 214-833-6729
    - info@doughertys.com
    - 12835 Preston Rd, Ste 202, Dallas, TX
    - SW corner of 635 & Preston
    - Yes, they can compound Thyroid Porcine
    - 30 caps: $74.99; 60 caps: $104.99; 90 caps: $134.99
- Lewisville, TX
  - Forumalation Compounding Center @ pharma1rx.com (09/24)
    - Retail arm of the Formulation Compounding Center
    - 469-301-7621
    - Closed at 5pm?
  - Formulation Compounding Center @ formulationrx.com (09/24)
    - 1511 Justin Rd, Lewisville, TX 75077
    - 469-946-6690
    - The compounding pharmacy location
    - Closed at 5pm?

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Dental

Delta Dental (05/24)
- DPO Premium Plan (for two): $84.50/mo
  - Annual deductible of $50
  - Annual maximum of $2,000
  - 11,920 network dentists
- DPO Basic Plan (for two): $39.84/mo
  - Annual deductible of $50
  - Annual maximum of $1,000
  - 11,920 network dentists
- DeltaCare USA TXA70 (for two): $25.00/mo
  - Payment made in one payment of $300; $10 enrollment fee
  - No annual deductible or annual maximum
  - 189 Primary Care Facilities
    - West Plano Modern Dentistry and Orthodontics
    - Westgrove Dental Care Facility

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Eyes

Eye Glasses
- Eyemart Express (05/24)
  - 13800 Senlac Dr, Ste 200, Farmers Branch, TX 75234
  - Hours: Mon-Fri 9 AM - 5:30 PM
  - Phone: (972) 488-2016
  - Military discount: 20% off
  - VSP Claims -- Out Of Network
Vision Insurance
- Best Vision Insurance Companies of May 2024 @ usatoday.com (05/24)
- VSP Insurance Plans @ vsp.com (05/24)
  - Enhanced plan: $56.90/mo for both of us ($682.80/year)
    - $150 frame allowance
    - Exam copay: $15
    - Basic lens copay: $25
    - Scratch resistant: $0
    - Anti-glare: $15
  - Easy Options plan: $47.41/mo
  - Standard plan: $26.80/mo (for both of us) (Visionworks)
- Humana Vision PLUS Plan @ humana.com (05/24)
  - Humana Vision Plus: $14.99/month for one person
  - Humana Vision PLUS Plan (PDF) (05/24)
- EyeMed Quote (2 people) (05/24)

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Dr. Ornish

Ornish.com (05/24)
UnDo It! @ amazon.com ($5.03) (05/24)
Basic Principles
- There’s a growing scientific and medical consensus that lifestyle changes
  can prevent and reverse chronic diseases
- When it comes to lifestyle changes, slow and steady does not win the race
- The underlying causes of chronic illness can be found in, and removed from,
  our modern lifestyles
- A plant-based diet is one of the pillars of maintaining long-term health
- Plant-based foods provide health-boosting substances, while meats and refined
  carbs do the opposite
- Exercise makes you healthier, happier and smarter
- Stress is dangerous but also preventable
- Strong social connections are a fundamental part of a healthy life

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Medicare

Contact Medicare
- Call 1-800-633-4227
- Sign Up for Part B Only @ ssa.gov (06/24)
  - Call 1-800-772-1213
  - Medicare Part B Online Application @ secure.ssa.gov (06/24)
  - Lower IRMAA @ ssa.gov (05/24)
- Dallas SSA
  - 10824 N. CENTRAL EXPWY, DALLAS, TX 75231
  - Southeast corner of I-75 and Royal Lane
  - Phone: 1-800-772-1213
  - Fax: 1-833-515-0513
  - Hours: M-F 9:00am-4:00pm
  - Offices are busiest on Monday, the morning after a Federal holiday,
    and the first week of the month
- Manage Your Medicare Benefits @ ssa.gov (06/24)
  - You'll sign up for Part A and Part B through Social Security.
  - Once enrolled, you'll manage your benefit plans through Medicare.
    - View/pay your Medicare bill
    - Get the Medicare handbook
    - Compare and choose Medicare Advantage and prescription drug plans
- How to Check Your Medicare Application Status Online @ medicreinsuranceaz.com (06/24)
  - How to check the status of your Medicare application
    - Through your online Medicare account
    - Online through your Social Security account
    - Calling the Social Security Administration at 1-800-772-1213
    - Visit your local Social Security office branch
  - Check Enrollment Page on your Online Medicare Account
    - Medicare.gov (06/24)
    - Click "Log in/create an account" in the top right
    - Create an account if you don't already have one
    - Log in to your account
    - Click the "Check enrollment" page
    - You should see the status of your application and any other information
      about your benefits
  - Check your application on your online Social Security Account
    - SSA.gov (06/24)
    - Click "Check application or appeal status" in the top central banner
    - Sign in or follow the steps to create an account
    - Select "Your benefit application"
    - Click on "View Details"
Information
- You can Appeal a Medicare Premium Surcharge @ kiplinger.com (05/24)
  - Seniors who enroll in a Medicare Advantage plan that includes drug coverage
    are also subject to a surcharge
  - For purposes of calculating the surcharge, MAGI consists of your adjusted gross
    income
  - The most common life change that leads to a reconsideration of the surcharge is
    retirement
  - Social Security recalculates your income every year (but with a two-year lag)
  - If a drop in income is due to retirement, include a copy of the tax return
    for the year your income declined, along with a letter from your former employer
    stating that you've retired.
  - You can mail or fax the form and supporting documents to your local Social Security
    office, or take it there in person
  - Medicare beneficiaries contesting their IRMAA typically visit a Social Security
    office to file an appeal or supply supporting documents
- When Does Medicare Coverage Start @ medicare.gov (05/24)
  - Special Enrollment Period (IF you have coverage from an employer) OR
  - 8 months after coverage ends for Parts A and B
  - 63 days after coverage ends for Parts C and D
  - You will pay STIFF PENALTIES if you enroll late
- Avoid Late Enrollment Penalties @ medicare.gov (08/24)
  - You may be able to ask for a "reconsideration"
  - Your drug plan will send you information about how to request a reconsideration
  - You must complete the form, and send it within 60 days from the letter's date
  - Also send any proof that supports your case, like a copy of your notice of
    creditable prescription drug coverage from an employer
  - In general, Medicare's contractor makes a reconsideration decision within 90 days
  - By law, the late enrollment penalty is part of the premium, so you must pay the
    premium even if you don't agree with it
  - You must also pay the penalty even if you've asked for a reconsideration
  - IF Medicare's contractor decides that your late enrollment penalty is correct,
    the Medicare contractor will send you a letter explaining the decision, and you
    must pay the penalty.
Part A
- Pays for hospital stays
- Deductible is $1,632 in 2024
Part B
- Sign up for Part B only
  - Sign Up for Part B Only @ ssa.gov (05/24)
  - Form CMS 40B Application for Enrollment in Medicare Part B (pdf) (05/24)
- Medicare premiums for 2024
  - Medicare Premiums 2024: IRMAA for Parts B and D @ kiplinger.com (05/24)
    - Earning < $206,000: Part B (+$0.00); Part D (+$0.00)
    - Earning < $258,000: Part B (+$69.90); Part D (+$12.90)
    - Earning < $322,000: Part B (+$174.70); Part D (+$33.30)
    - Earning < $386,000: Part B (+$379.50); Part D (+$53.80)
    - You should submit a Medicare IRMAA Life-Changing Event Form (PDF)
  - 2024 Medicare Parts B Premiums and Deductibles @ cms.gov (05/24)
    - Medical insurance component of the Medicare program
    - Pays for doctor's office visits, medical equipment, and outpatient procedures
    - Deductible is $240 in 2024
    - BASE Monthly premium is $174.70 for 2024
  - Premiums for high earners
    - High earners may pay significantly more
    - Medicare uses your Modified Adjusted Gross Income to determine your premiums
    - Earning < $206,000: $174.70
    - Earning < $258,000: $244.60
    - Earning < $322,000: $349.40
    - Earning < $386,000: $454.20
    - Earning < $750,000: $559.00
  - Medicare Premiums @ ssa.gov (06/24)
    - Use Form Medicare Income-Related Monthly Adjustment Amount -
      Life-Changing Event to report a major life-changing event
    - If your income has gone down, you may also use Form SSA-44 to request a
      reduction in your income-related monthly adjustment amount
    - The fastest and easiest way to file an appeal of your income-related monthly
      adjustment amounts is online
  - Appealing a Higher Part B or Part D Premium (IRMAA) @ medicareinteractive.org (06/24)
- How to pay for Part A & Part B Premiums
  - How to Pay Part A & Part B Premiums @ medicare.gov (06/24)
    - Most people don't get a premium bill from Medicare because they get
      their Medicare Part B (Medical Insurance) premium deducted automatically
      from their Social Security benefit payment
    - If you pay for Part B only, you will get a bill every three months
    - If you applied for Medicare to start in August, you'll receive a bill
      in July for your August, September, and October Part B premiums
    - If you also pay for Part A or a Part D IRMAA surcharge, the bill you
      receive in July will be for August's premium
    - If you pay for Part D IRMAA, you will get a bill every month
    - All Medicare bills are due on the 25th of the month
    - You are always paying your premiums in advance (Medicare A, B, C, and D)
    - Social Security benefits are paid in ARREARS (the benefit check you
      receive is for the previous month). Medicare premiums are paid in
      ADVANCE of coverage.
  - Medicare Premium Bill (CMS-500)@ medicare.gov (06/24)
    - It is a bill for people who pay Medicare directly for their Part A premium,
      Part B premium, and/or Part D IRMAA
    - Your bill will arrive around the 10th of the month
Part D
- Medicare Care Part D - Prescripton Plans @ ehealthinsurance.com (05/24)
- Medicare Part D Plans @ ehealthmedicareplans.com (05/24)
- How to Get Prescription Drug Coverage @ medicare.gov (05/24)
  - There are two ways to get Medicare drug coverage
    - Medicare drug plan
    - Medicare Advantage Plan (Part C)
  - 6 Tips for Choosing Medicare Drug Coverage @ medicare.gov (05/24)
- 2024 Projected Medicare Part D Premium @ cms.gov (05/24)
- If you go 63 days without drug coverage, you will pay a late enrollment penalty
- Average nationwide monthly premium for 2024 is $55.50
- Highest deductible is $415; lowest deductible is $0
- Medicare uses your Modified Adjusted Gross Income to determine extra cost of your premiums
  - Earning < $206,000: $55.50 + $0.00
  - Earning < $258,000: $55.50 + $12.90
  - Earning < $322,000: $55.50 + $33.30
  - Earning < $386,000: $55.50 + $53.80
  - Earning < $750,000: $55.50 + $81.00
- Monthly Premium for Drug Plans @ medicare.gov (06/24)
  - Most people only pay their Part D premium
  - If you have a higher income, you might pay more for your Medicare drug coverage
  - You'll also have to pay this extra amount (Part D-IRMAA) if you're in a
    Medicare Advantage Plan that includes drug coverage
  - Social Security will contact you if you have to pay Part D IRMAA, based on
    your income
  - You pay your Part D IRMAA directly to Medicare, not to your Advantage plan
  - How to Pay Part A and Part B (and D) Premiums @ medicare.gov (06/24)
    - All Medicare bills are due on the 25th of the month
- Coverage gap (the "Donut Hole")
  - Medicare Donut Hole @ smartasset.com (05/24)

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Medicare Advantage

Good or Bad?
- 10 Reasons Why Medicare Advantage Enrollment is Growing and Why it Matters @ kff.org (07/24)
  - Medicare Advantage enrollment has more than doubled since 2010 and is projected
    to grow from 54% of the eligible population in 2024 to 60% by the end of this decade
  - Medicare will pay Medicare Advantage plans an estimated 123% of the cost of
    similar beneficiaries in traditional Medicare, on average, in 2024
  - People with Medicare are drawn to Medicare Advantage for the extra benefits
  - Medicare Advantage enrollees are required to pay the Medicare Part B premium,
    but unlike beneficiaries in traditional Medicare, they typically do not pay a
    separate premium for additional coverage or for Part D prescription drug premium
    because Medicare Advantage rebate dollars cover these costs
  - Premiums for Part D stand-alone prescription drug plans that supplement traditional
    Medicare are rising rapidly.
  - People with Medicare are attracted to the financial protection that comes with
    an annual out-of-pocket limit that Medicare Advantage plans are required to provide.
  - Beyond financial benefits, people with Medicare are attracted to the simplicity
    and convenience of Medicare Advantage
  - Insurers are marketing Medicare Advantage aggressively
  - Brokers have a financial incentive to encourage enrollment in Medicare Advantage plans
  - A growing share of large employers are shifting their Medicare-age retirees into
    Medicare Advantage plans for both Medicare and supplemental benefits
  - Medicare beneficiaries may be reluctant to switch from Medicare Advantage to
    traditional Medicare if they run the risk of being denied a Medigap policy due to a
    pre-existing condition
  - Beneficiaries may not be familiar with potential tradeoffs in choosing Medicare
    Advantage over traditional Medicare
- Sources of Coverage @ kff.org (07/24)
  - Medicare Advantage enrollment has surpassed 50% of total Medicare enrollment
    as of 2023
- Why are Medicare Advantage Plans Considered Bad @ askchapter.org (07/24)
  - On Original Medicare, you can see any doctor who accepts Medicare (which is
    about 90% of doctors across the US)
  - Medicare Advantage plans, however, have provider networks
  - Unlike Original Medicare, Medicare Advantage plans do have out-of-pocket maximums
  - But when you compare out-of-pocket costs to those paid by Medigap enrollees,
    you might just faint
  - Most Medigap plans don’t have an out-of-pocket max
  - On Plan G, once you've met your Part B deductible (which is $240 in 2024),
    you don't owe anything else for covered services in that year
  - Medicare Advantage plans can require plan holders to get prior authorization
    before receiving a service
  - Original Medicare does not have prior authorization requirements
  - Prior authorization denials are on the rise
  - Advantage plans change each year
  - Original Medicare (Part A and Part B) has its downsides; it doesn't pay about
    20% of costs and there's no out-of-pocket maximums
  - Original Medicare also doesn't cover prescriptions
  - Consider current and future needs
  - Medicare Advantage premiums are lower than Medigap premiums
  - One of the catches with Medigap plans is that you aren't guaranteed acceptance
    into the plans outside of your Medigap Open Enrollment Period, which occurs during
    the first six months that you have Part B coverage
  - If you want a Supplement plan that doesn't require prior authorizations,
    has no network limitations, and significantly reduces your out-of-pocket costs
    as you get older, you should enroll in a Medigap plan when you first sign up for Medicare
- What are the Advantages and Disadvantages of Medicare Advantage Plans @ healthline.com (07/24)
  - Original Medicare only offers two types of coverage: hospital insurance and
    medical insurance. If you want additional coverage, you’ll need to purchase
    Medicare Part D for prescription drug coverage and Medigap for supplemental coverage.
  - With a Medicare Advantage plan, all your coverage options are in one convenient plan.
Basic Information
- Special Enrollment Periods @ medicare.gov (05/24)
  - Starting January 1, 2024, if you sign up for Part A and/or Part B because of an
    exceptional situation, you'll have 2 months to join a Medicare Advantage Plan
    (with or without drug coverage) or a Medicare drug plan (Part D). Your coverage
    will start the first day of the month after the plan gets your request to join.
- You must have Medicare Parts A & B to join a Medicare Advantage plan
- Understanding Medicare Advantage Plans @ medicare.gov (05/24)
  - If you're in a plan that doesn't offer drug coverage, and you don't have a
    Medicare drug plan or other creditable prescription drug coverage, you may have to
    pay a late enrollment penalty if you decide to join a Medicare drug plan later
- Compare Original Medicare & Medicare Advantage @ medicare.gov (05/24)
- Medicare Advantage Plans @ medicare.gov (05/24)
  - HMO = must use doctors in network
  - HMOPOS (HMO Point of Service) = MAY allow you to get some services out of network,
    for a higher copay
  - PPO (Preferred Provider Organizations)
    - You can generally go to out-of-network providers, but you'll pay more
    - You can use any doctor or hospital that accepts Medicare
    - You don't have to choose a primary care doctor
    - You don't need a referral to use a specialist
  - Compare Types of Medicare Advantage Plans @ medicare.gov (05/24)
- Medicare Part C @ smartasset.com (05/24)
- Compare Types of Medicare Advantage Plans @ medicare.gov (05/24)
Joining a Plan
- CMS Medicare Online Enrollment Center @ medicare.gov (06/24)
- Joining a Plan @ medicare.gov (06/24)
  - You need your Medicare Number and Part A and/or Part B coverage start dates
  - Starting Jan 2024, if you sign up for Part B during a SEP, you'll have 2 months
    to join a plan
  - Coverage usually begins the first of the month after the plan gets your request
  - Talk to a trusted agent or broker
  - Contact the plan to join -- call them or visit their website
    - Request an Apointment with a Licensed Humana Sales Agent @ plans.humana.com (06/24)
    - Plans @ humana.com (06/24)
    - Select "Enroll" for the plan you want to join
- HumanaChoice (PPO) H5216-358 ($60 giveback)
  - Summary of Benefits @ humana-medicare.com (06/24)
  - Provider Directory @ finder.humana.com (06/24)
  - Pharmacy Finder @ finder.humana.com (06/24)
  - List of Covered Drugs for Medicare @ humana.com (06/24)
  - Your 2024 Evidence of Coverage @ humana-medicare.com (06/24)
  - 2024 Medicare Star Ratings @ humana-medicare.com (06/24)
- HumanaChoice (PPO) H5216-352 ($0 giveback)
  - Your 2024 Evidence of Coverage @ humana-medicare.com (06/24)
Our Doctors
- Find a Doctor @ humana.com (06/24)
- Personal doctors
  - Dr. Roger Clifford, chiropractor (in network H5216-358)
  - Dr. P. Andrew Benson, prosthodontist (not in database or network)
  - Dr. Jeremiah B. Cook, periodontist (not in network)
  - Dr. Lewis Frazee, ophthalmologist (in network H5216-358)
  - Dr. Donna Haas, optomitrist (not in network)
  - Dr. Marvin Hsiao, cornea (in network)
  - Dr. Kellvan Cheng, podiatrist (in network at another location)

Specific Plans @ ehealthmedicareplans.com

Medicare Advantage Plans @ eHealthmedicareplans.com (05/24)

Plan	H5216-352	H5216-358	H1278 013 (AARP)
Giveback	$0	$60	$0
$Max in-network	$5,800	$7,500	$6,300
$Max out-network	$9,550	$12,850	$9,550
Primary Dr in-network	$0	$0	$0
Primary Dr out-network	$25	$25	$25
Specialist in-network	$35	$45	$0-$35
Specialist out-network	$65	$65	$65
Dental	$2,000	$1,500	$1,000
Glasses	$200	$150	$250
Eye Exams	$75	$75	$0 for 1 visit
Hearing	Covered	Covered	Covered
Chiropractor in-network	$20	$15	$15
Chiropractor out-network	$20	50%	65%
Hospital Deductible	$0	$0	$0
Hospital Stay	Unlimited	Unlimited	Unlimited
Hospital Stay in-network	Days 1-5: $290	Days 1-7: $320	Days 1-6: $325
Ambulatory Surgery Center in	$0-$255	$0-$250	$0-$275
Ambulatory Surgery Center out	40%-45%	40%-45%	40%
Diagnostic Tests in-network	$0-$90	$0-$175	$50
Lab Tests in-network	$0-$55	$0-$55	$0
Drug Deductible	$0	$395	$260
Drug Donut Hole	$5,030-$8,000	$5,030-$8,000	$5,030-$8,000

HumanaChoice H5216-352 (Local PPO) (05/24)
- Part B give back: none
- Out-of-pocket maximum: in-network: $5,800; any provider: $9,550
- Prescription drugs
  - Tier 1 (preferred generic): $0 (30-day supply)
  - Tier 2 (generic): $5.00 (30-day supply)
  - Tier 3 (preferred brand): $45.00 (30-day supply)
  - Tier 4 (non-preferred brand): $99.00 (30-day supply)
  - Deductible: $0
- Dental: $2,000 allowance every year
- Vision: eyewear: $200/year; eye exams: $75/year
- Specialist visit: in-network: $35 copay; out-of-network: $65 copay
- Eyeglasses: in-network: $0; out-of-network: $0
- Yearly dental exam; two free cleanings/year; dental X-rays once every 5 years
- Annual eye exams; glaucoma screenings; diabetic eye exams
- HER940 mandatory supplemental hearing benefit
- DEN374 medicare-covered dental
- VIS692 mandatory supplemental vision benefit
- Summary of Benefits (PDF) (05/24)
HumanaChoice H5216-358-0 (Local PPO) (05/24)
- Non-members: 1-800-833-2364; Members: 1-800-457-4708
- Humana sales agent: 1-800-967-1591
- Schedule an appointment: 1-866-991-2293
- Request Appointment @ plans.humama.com (08/24)
- Website: Plan website (08/24)
- Part B give back: up to $60 every month
  - Part B Giveback Benefit @ humana.com (06/24)
- Out-of-pocket maximum: in-network: $7,500; any provider: $12,850
- Prescription drug
  - Tier 1 (preferred generic): $0 (30-day supply)
  - Tier 2 (generic): $5.00 (30-day supply)
  - Tier 3 (preferred brand): $47.00 (30-day supply)
  - Tier 4 (non-preferred brand): $100.00 (30-day supply)
  - Deductible: $395 (Tier 3, 4, and 5)
- Pharmacy Plan:
- Dental: $1,500 allowance every year
- Vision: eyewear: $150/year; eye exams: $75/year
- Specialist visit: in-network: $45 copay; out-of-network: $65 copay
- Eyeglasses: in-network: $0; out-of-network: $0
- Yearly dental exam; two free cleanings/year; dental X-rays once every 5 years
- Annual eye exams; glaucoma screenings; diabetic eye exams
- DEN365 mandatory supplemental dental benefit
- VIS751 mandatory supplemental vision benefit
  - Eyewear (post cataract surgery) $0 copay (in network); $0 copay (out of network)
- HER937 mandatory supplemental hearing benefit
- Summary of Benefits (PDF) (05/24)
- 2024 Evidence of Coverage @ ehealthmedicareplans.com (06/24)
- Humana Medicare Plan Documents @ plandocs.humana.com (06/24)
- Find a Doctor @ humana.com (06/24)
- Humana Dental Medicare Network
  - Humana.com > Find a doctor > Dentist icon >
    From the Distance drop down select the preferred distance >
    Enter Zip code > All Dental Networks > HumanaDental Medicare
- Humana Medicare Insight Network (Vision)
  - The provider locator for the Humana Medicare Insight Network for
    routine vision can be found at Humana.com > Find a Doctor >
    select the Vision Care icon > select Medicare >
    select Medicare Advantage plans
  - Network: Insight Network @ humana.com (06/24)
  - LensCrafters is a PLUS Provider (glasses) - $150 allowance
  - Out of network provider (glasses): $100 allowance
AARP Medicare Advantage from UHC TX-0005 - H1278 013 (05/24)
- Part B give back: none
- Out-of-pocket maximum: in-network: $6,300; any provider: $9,550
- Prescription drug deductible: $260

Top of Page

Medicare Supplemental

Supplemental Plans (Medigap)
- Medigap Basics @ medicare.gov (07/24)
  - You get a 6-month "Medigap Open Enrollment" period, which starts the first month
    you have Medicare Part B and you're 65 or older. During this time, you can enroll in
    any Medigap policy and the insurance company can't deny you coverage due to
    pre-existing health problems. After this period, you may not be able to buy a Medigap
    policy, or it may cost more. Your Medigap Open Enrollment Period is a one-time
    enrollment. It doesn't repeat every year, like the Medicare Open Enrollment Period.
  - All Medigap policies are standardized.
  - Policies with the same letter offer the same basic benefits no matter where you
    live or which insurance company you buy the policy from
  - There are 10 different types of Medigap plans offered in most states, which are
    named by letters: A-D, F, G, and K-N
  - Price is the only difference between plans with the same letter that are sold by
    different insurance companies
  - If you have a Medicare Advantage Plan, you can't buy a Medigap policy. If you
    want to switch to Original Medicare and buy a Medigap policy, contact your Medicare
    Advantage Plan to see if you're able to disenroll.
  - If you enroll in Medigap for the first time, it won't include drug coverage.
    If you want prescription drug coverage, you can join a separate Medicare drug plan
    (Part D).
- Compare Plan Benefits @ medicare.gov (07/24)
  - The Medigap policy will only pay your coinsurance after you've paid the
    deductible (unless the Medigap policy also covers your deductible).
- Your Medigap Open Enrollment Period @ medicare.gov (07/24)
- Buying a Medigap Policy @ medicare.gov (07/24)
- Find a Medigap Policy that Works for You @ medicare.gov (07/24)
  - Use AARP United Medical, Blue Cross Blue Shield, AARP (not Aetna or Humana)
  - Use PPO, not HMO
  - For 72 year old female, non smoking
    - Plan A: AARP UnitedHealthcare = $132/mo
    - Plan F (high deductible of $2,800): BlueCross Blueshield = $78/mo
    - Plan G (high deductible):
  - For 81 year old male, non smoking
    - Plan A: AARP UnitedHealthcare = $197/mo
    - Plan F (high deductible of $2,800): BlueCross Blueshield = $114/mo
    - Plan G (high deductible): BlueCross Blueshield = $105/mo
      - Premiums are low for younger buyers, but go up as you get older
        and can eventually become the most expensive.
    - Plan K: AARP United Healthcare = $118/mo
      - Premiums are the same no matter how old you are.
      - Premiums may go up because of inflation and other factors.
- Why are Medicare Advantage Plans Considered Bad @ askchapter.org (07/24)
  - On Original Medicare, you can see any doctor who accepts Medicare (which is
    about 90% of doctors across the US)
  - Medicare Advantage plans, however, have provider networks
  - Unlike Original Medicare, Medicare Advantage plans do have out-of-pocket maximums
  - But when you compare out-of-pocket costs to those paid by Medigap enrollees,
    you might just faint
  - Most Medigap plans don’t have an out-of-pocket max
  - On Plan G, once you've met your Part B deductible (which is $240 in 2024),
    you don't owe anything else for covered services in that year
  - Original Medicare does not have prior authorization requirements
  - Original Medicare (Part A and Part B) has its downsides; it doesn't pay about
    20% of costs and there's no out-of-pocket maximums
  - Original Medicare also doesn't cover prescriptions
  - Medicare Advantage premiums are lower than Medigap premiums
  - One of the catches with Medigap plans is that you aren't guaranteed acceptance
    into the plans outside of your Medigap Open Enrollment Period, which occurs during
    the first six months that you have Part B coverage
  - if you want a Supplement plan that doesn't require prior authorizations,
    has no network limitations, and significantly reduces your out-of-pocket costs
    as you get older, you should enroll in a Medigap plan when you first sign up for Medicare
Add-ons
- Humana MyOption OSB (optional supplemental benefits)
  - Medicare Dental Benefits @ humana.com (05/24)
Pharmacy Savings Cards
- Comparisons
  - Best Prescription Discount Cards @ verywellhealth.com (05/24)
    - Best overall: GoodRx
    - Best for future savings: SingleCare
- GoodRX (05/24)
  - Discount Card (05/24)
    - While the Prescription Savings Card will often help you save at the pharmacy,
      it may not always provide you with the most current listed coupon price
    - To receive the coupon price listed on our website or mobile app, you must
      present the most current online coupon to the pharmacist
  - GoodRx Gold (05/24)
    - Individual plan: $9.99/mo
    - Family plan: $19.99/mo
  - Amoxicillin, 500mg, 21 count
    - CVS pharmacy: retail $11.71; GoodRx: $8.99
    - Kroger: retail: $10.31; GoodRx: $7.30
    - Target: retail: $12.80; GoodRx: $10.41
    - Tom Thumb: retail: $20.38; GoodRx: $10.75; GoodRx Gold: $3.25
    - Walgreens: retail: $14.58; GoodRx: $8.10; GoodRx Gold: $3.10
    - Walmart: $13.86 (1-61 days)
- SingleCare (05/24)
  - Use the card at CVS, Walgreens, Walmart, Kroger, Tom Thumb, etc
  - Save up to 80% on your presciption medications
  - Search prescriptions, choose a free coupon, and show it to your pharmacist
  - Amoxicillin, 500mg, 21 count
    - $4.34: Walgreens, Tom Thumb
    - $4.81: Kroger
    - $8.99: CVS
    - $13.49: Walmart
    - Generic Amoxicillin: $13.38
    - SingleCare Generic Amoxicillin: $8.35
  - You can use SingleCare even if you have Medicare
  - Some pharmacies (Walgreens, Walmart, and CVS) feature signature SingleCare
    cards that will maximize your savings at those pharmacies
    - CVS SingleCare Discount Card (05/24)
    - Kroger SingleCare Discount Card (05/24)
    - Walgreens SingleCare Discount Card (05/24)
    - Walmart SingleCare Discount Card (05/24)

Top of Page

Politics and Government

Driver's License & Real ID
- Official Texas Driver License Renewal @ texas.gov (06/24)
- How to Apply for a Texas Identification Card @ texas.gov (06/24)
- Driver License/identification Card and REAL ID Checklist @ texas.gov (06/24)
- What to Bring when Applying for a Texas Driver License or Identification Card @ texas.gov (06/24)
  - Proof of US Citizenship (need one document)
    - Birth certificate
  - Proof of Residency (need two documents)
    - Current monthly mortgage statement
    - Current homeowner's insurance policy
    - Current water bill
    - Valid Texas voter registration card <==
  - Proof of Identity
    - Primary ID
      - Texas DL
    - Secondary ID (need two documents)
      - Birth certificate
    - Supporting ID (need two documents)
      - Voter registration card (actual card) <==
      - W-2 or 1099 form
      - Current Texas motor vehicle registration or title
      - Marriage certificate
      - DD-214 <==
      - Medicare card (actual card) <==
      - Social Security card (actual card)
    - Proof of Social Security Number
      - Social Security Card
      - SSA-1099 form
      - Paystub containing your legal name and SSN
      - W-2
      - DD-214 with SSN <==
      - Health insurance card with SSN
- Texas Schedule Appointment (06/24)
  - 4600 State Hiway 121, Carrollton, TX 75010; (972) 394-4530
  - 2925 E Belt Line Rd, Suite 100, Carrollton, TX 75006; (972) 478-5200
  - 825 Ohio Dr, Plano, TX 75093; (972) 867-4221
  - 400 N Valley Pkway #2072, Lewisville, TX 75067; (972) 221-8081
  - 4020 E McKinney St, Denton, TX 76208
- DL-14A - Texas Driver License or Identification Card Application @ texas.gov (PDF) (06/24)
- DL-174 - Surrender Form @ texas.gov (PDF) (06/24)
Elections
- Elections in Denton County (02/20)
  - Voter Lookup (02/20)
  - Precinct Maps (220) (02/20)
  - Voting Results (02/20)
Politics
- Congress.org (02/20)
- Dallas City Hall (02/20)
- Denton County (02/20)
National Do Not Call Registry (02/20)
NTTA Customer Service Center (tolltags) (02/20)
Texas Two Step
- Guide to the Texas Electoral Two-Step (02/20)
Your Voters' Guide @ www.vote411.org (02/20)

Top of Page

Real Estate

Sell My Home Fast
- 3644 Amber Hills Drive @ zillow.com (06/24)
  - Zestimate: $577,500
  - Estimated net proceeds: $492,649 (closing costs of $49,851)
- Homebuyers
  - Secrets to Selling Your Home Faster @ realestate.usnews.com (06/24)
  - I Need to Sell My House Fast @ homelight.com (06/24)
  - These 3 Cash Buyers are Waiting @ fool.com (06/24)
  - DH Home Solutions (06/24)
  - Homelight.com (06/24)
  - Legacy Home Buyers.com (06/24)
  - Northkey Homebuyers (06/24)
  - Opendoor
    - Opendoor charges a 5% fee plus closing costs (1% to 3%),
      so you're really not paying any less than working with a
      real estate agent
  - We Buy Ugly Houses (25+ years of experience (06/24)
    - If your home is worth $300,000, but needs roughly $15,000
      in repairs, We Buy Ugly Houses might offer you between
      $142,500 and $199,500 in cash
  - Zillow (06/24)
Information
- Helpful Information
  - Google Maps (06/24)
  - Zip Code Map (06/24)
  - Zillow.com (06/24)
- Builders
  - David Weekley Homes (06/24)
  - D R Horton (06/24)
  - Grand Homes (06/24)
  - Meritage Homes (06/24)
  - Pulte Homes (06/24)
- New Homes
  - Hot On Homes (06/24)
  - NewHomeSource (02/20)
- Search Engines
  - Buy Owner (02/20)
  - Coldwell Banker DFW (02/20)
  - Realtor.com (02/20)
  - Zip Realty (02/20)

Top of Page

Del Webb

Frisco Lakes (Frisco) Union Park (Little Elm)

Legacy Hills (Celina) Trinity Falls (McKinney)

9 Things THey Wish They Knew Before Moving to at 55+ Community @ youtube.com (06/24)
Pros and Cons of Del Webb Communities @ educationalwave.com (06/24)
- The homes are customizable with a 10-year transferrable warranty
- Del Webb is part of the PulteGroup
Del Webb @ Frisco Lakes (75034 and 75036)
- Directions and Maps
  
  Directions using Josey Lane
  
  North on Josey Lane (which turns into Main Street north of 121)
  Continue north past S Colony Blvd, N Colony Blvd, Lone Star Ranch Blvd,
  Lebanon Rd, and Aspen Lane
  Turn left (west) at Del Webb Blvd
  
  Directions using Midway Lane
  
  North on Midway Lane to Spring Creek Pkwy
  North on Tennyson Pkwy (name change from Midway Lane)
  Left onto Corporate Drive
  Left onto Legacy Drive
  North on Legacy Drive to Lebannon Rd
  Right (west) on Lebannon Rd to FM 423 (Main St)
  North on FM 423 to Del Webb Blvd
  
  Maps
  
  Frisco Lakes Overview Map 2016 (PDF) (06/24)
  Frisco Lakes 2023 (06/24)
  Neighborhood 1 Lazy Rock Lane (06/24)
  Neighborhood 2 (06/24)
  Neighborhood 3 Fish Hook Lane; Trout Lane (06/24)
  Neighborhood 4 Shore Shadows Lane (06/24)
  Neighborhood 5 (06/24)
  Neighborhood 6 (06/24)
  Neighborhood 7 Honeybee Lane (06/24)
  Neighborhood 8 Honeybee Lane (06/24)
  Neighborhood 9 (06/24)
  Neighborhood 10 (06/24)
  Neighborhood 11 Dexter Lane (06/24)
  Neighborhood 14 Celebration Drive (06/24)
  Neighborhood 15 (06/24)
  Neighborhood 18 Faldo Court; Birmingham Forest Drive (06/24)
  Neighborhood 19 (06/24)
  Neighborhood 21 Hogan Court (06/24)
  Neighborhood 22 (06/24)
  Neighborhood 23 (06/24)
  Neighborhood 24 (06/24)
  Neighborhood 25 (06/24)
  Neighborhood 26 Montague Lane (06/24)
  Neighborhood 27 Oakmont Drive (06/24)
  Neighborhood 28 (06/24)
  Neighborhood 29 (06/24)
  Neighborhood 31 Marble Ridge (06/24)
  Neighborhood 33 (06/24)
  Neighborhood 35 Marsh Point Drive (06/24)
- Grocery stores
  - Tom Thumb (5550 FM 423) near SE corner of Main St and Lebanon Rd
  - Walmart on SE corner of Main St and W Stonebrook Pkway
  - ALDI and Kroger on Main St and Little Elm Pkway (further north)
  - Walmart on NE corner of Main St and Eldorado Pkway (further north)
  - HEB on north side of Frisco Main Street (King Rd --> Frisco Main Street)
  - Sprouts on northwest corner of Eldorado and Teel Pkway
  - Target at Eldorado and Dallas North Pkway
  - 99 Ranch on NE corner of Preston and Warren Pkway
    (take Lebanon Rd east to Preston; then south to Warren Pkway)
- Information and Floor Plans
  - Information
    - Frisco Lakes Demographics @ point2homes.com (06/24)
    - Frisco Lakes @ 55places.com (06/24)
      - Construction dates: 2006-2020
      - Is NOT gated
  - Floor Plans
    - Floor Plans @ thestacygoup.com (06/24)
- Search All Homes for Sale in Frisco Lakes, TX (06/24)
- 55+ Community Homes for Sale @ realtor.com (06/24)
Del Webb @ Union Park
- Information
  - Basic information
    - 945 Freedom Lane, Little Elm, Texas 76227
    - Single-family 2-3 bedroom homes
    - Pricing: $333,900-$498,990
    - Construction dates: 2017-present
    - Gated
    - HOA: $396 quarterly; $132/mo
    - HOA fee covers the front and back yard
    - No golf course
    - Del Webb at Union Park @ zillow.com (06/24)
    - Moving to Del Webb Union Park @ youtube.com (06/24)
      - Residents of Del Webb Union Park can use all the facilities of Union Park
    - Union Park in Little Elm @ youtube.com (06/24)
      - Union Park by Del Webb is INSIDE Union Park
      - Multiple catch-and-release ponds
      - Fitness park
  - Directions using Josey Ln
    - Josey Ln north => FM 423 north
    - At 380 either
      - Continue north on Gee Rd => west on Fishtrap Rd => FM 1385 north => Union Park Blvd
      - West on 380 => FM 1385 => Union Park Blvd
    - Del Webb Blvd north to Freedom Ln
  - Shopping
    - ALDI west on 380; 2.8 miles
    - Walmart west on 380; 4 miles
    - Kroger at 380 and FM 423
    - Home Depot at 380 and FM 423
    - Academy Sports at 380 and FM 423
- Floor plans
Del Webb at Legacy Hills (Celina)
- Del Webb @ Legacy Hills (06/24)
- Opening Fall 2024
- Legacy Hills @ dallsnews.com (06/24)
Del Webb at Trinity Falls (McKinney)
- Directions
  - 901 Cormorant Drive, McKinney, TX 75071
  - Northeast of McKinney; east of Melissa
- 55+ Community Homes for Sale @ realtor.com (06/24)
Silverado by DR Horton
- H133 Violet @ Silverado (06/24)

Top of Page

Retirement Living

Information
- Types of Senior Housing Options
  - An Overview of Senior Living Options @ actsretirement.org (01/24)
- 10 Best Independent Living Communities in Carrollton, TX @ aplaceformom.com (05/24)
- 55places.com (05/23)
- After55.com (gives actual prices and models) (05/24)
  - Atlas Point at Prestonwood, 55+ Apartments
Carrollton, TX
- Atlas Point @ Prestonwood (Carrollton, TX) (05/23)
  - 3033 E. Hebron Pkway, Carrollton, TX 75010
    - NW corner of Hebron and Marsh Lane
  - 469-998-4988
  - Apartment homes and townhomes
  - 1-3 bedrooms; 1-2 baths; 667-1649 sq ft; $1,632-$3,225/mo
    - Highland - B2; 2 bed/2 bath; 1082 sq ft; $2,210/mo (07/24)
    - Stanbridge - B4: 2 bed/2 bath; 1401 sq ft; $2,475/mo (07/24)
    - Palisades - B7: 2 bed/2 bath; 1434 sq ft; $2,675/mo and $2,825/mo (07/24)
    - Nottingham - C1: 3 bed/2 bath; 1450 sq ft; $?,???/mo
    - Nottingham - C1: 3 bed/2 bath; 1649 sq ft; $3,225/mo (07/24)
  - Built in 2017; 183 units/4 stories
  - Furnished
  - Curtesy van
  - Pets allowed: 2 pets/apartment; pet rent is $20/monthly
  - Attached and detached garages are also available
- Avenida Carrollton (55+ Apartments and Villas) (05/24)
  - 1875 Arbor Creek Drive, Carrollton, TX 75010
    - North of Josey and Hebron
  - Non-smoking community; pet friendly
  - Floor Plans (01/24)
  - B3 apartment: 2 bed/2 bath; 1255-1344 sq ft; starting at $2,475/18 mos
  - C1 Villa floor plan: 2 bed/2 bath; 1247 sq ft; starting at $3,500/18 mos
  - C2 Villa floor plan: 2 bed/2 bath; 1343 sq ft; starting at $3,631/18 mos
  - C3 Villa floor plan: 2 bed/2 bath; 1373 sq ft; starting at $3,635/18 mos
  - C4 Villa floor plan: 2 bed/2.5 bath/den; 1497 sq ft; starting at $3,677/18 mos
  - Villas have 1-car garage
- Lakeview at Josey Ranch (05/24)
  - 2105 North Josey Lane Carrollton, TX 75006
  - SW corner of Josey and Keller Springs Road
  - 1-, 2-, and 3-bedroom apartment homes
  - Built in 2010; 180 units/4 stories
  - NO PETS ALLOWED
  - Voted best of 2024
  - Residents can prepare their own meals if they prefer
  - Prices start at $2,725/mo
  - Floorplans
    - Bandera: 2 bed/2 bath; 950 sq ft
    - Bowie: 2 bed/2 bath; 1022 sq ft
    - Brazos: 2 bed/2 bath; 1,145 sq ft (maybe)
    - Canyon: 3 bed/2 bath; 1439 sq ft
    - Caprock: 3 bed/2 bath; 1428 sq ft
- Orchard Pointe at Creek Valley (05/24)
  - 4320 Creek Valley Blvd, Carrollton, TX 75010
    - Hiway 121 and Creek Valley; north of Hebron
  - Opening in early 2024
  - Independent Living: starting at $3,295/mo
  - Small pets welcome
  - Don't like the floorplans
Plano, TX
- Preston Place Active Adult Living (06/23)
  - 5000 Old Shepard Place, Plano, TX 75093
  - Off Preston Road between Park and Plano Parkway
  - 972-931-1123
  - Monthly rates start at $1860
  - B1 plan: 1,035 sq ft; $2,345-$2,799/mo
  - B2 plan: 1,300 sq ft; $2,799 to $3,345/mo
  - Direct exterior access to your apartment
  - Some units have high speed internet and are smoke free
  - Negligence Lawsuit Due to Murders (Feb 5, 2020) (06/23)
  - Trial Set for Serial Killer of Women in Senior Living Facilities @ tampabay.com (06/23)
- The Legacy @ Willow Bend (Plano, TX) (05/24)
  - 6101 Ohio Dr, Plano, TX 75024
  - Opened in 2008
  - Pet friendly
- The Outlook at Windhaven (05/23)
  - Information Center: 972-996-3887
  - Opening in 2024 (already 80% reserved)
  - Continuing Care Retirement Community
  - Flexible dining plan
  - Non-profit community
  - Apartment and cottages
  - Cottage has 2-car garage
  - 90% Refundable Entrance Fee: $350,000 (for the condo)
  - Monthly Service Fee: $3,795 + $1,095 for a second person
Other Locations
- Del Webb Active Adult Communities (05/23)
  - Del Webb at Union Park - Little Elm, TX (05/23)
- Highland Spings (05/24)
  - Erickson Living-managed community
  - 8000 Frankford Road, Dallas, TX 75252
  - 972-632-5361
- Presbyterian Village North (01/24)
- Robson Ranch, Denton, TX (05/23)
  - Liberty - Villa Home Series (1404 sq ft; nice layout)
  - Heritage - Villa Home Series (2 bedrooms, Den, 2.5 baths, 1747 sq ft)
- Ventana by Buckner (01/24)
  - A high-rise, luxury senior living community in Dallas, TX
  - 8301 N Central Expressway, Dallas, TX, 75225

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Savings

On March 2018, dozens of US banks under a $250B asset threshold were
exempted from the Dodd-Frank banking regulations
Largest Banks in the United States @ wikipedia.org (05/24)
- Bank of America (#2): $3,181 B
- Citigroup (#3): $2,412 B
- Marcus (Goldman Sachs, #5): $1,642 B
- PNC (#8): $562 B
- Capital One (#12): $478 B
- American Express (#16): $261 B
- CIT (First Citizens BancShares, #20): $214 B
- Discover Bank (bad reviews, #32): $152 B
- MyBankingDirect (Flagstar Bank; New York Community Bancorp, #35): $114 B
- Brio Bank (Webster Bank, #41): $74.88 B
- Western Alliance (#43): $71 B
- Bask Bank (Texas Capital Bank, #73): $28.31 B
- Forbright Bank (must open savings account at physical branch, #219): $6.82 B
Bank Reviews @ depositaccounts.com (05/24)

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Taxes

Quarterly Tax Payments
- AARP 1040 Tax Calculator @ aarp.org (05/24)
- Basics of Estimated Taxes for Individuals @ irs.gov (05/24)
- What are Quarterly Tax Payments @ cnbc.com (05/24)
  - Quarterly tax payments are due every 3 months
  - Due dates:
    - April 15: income earned from Jan 1 to March 31, 2024
    - June 15: income earned from April 1 to May 31, 2024
    - Sept 15: income earned from June 1 to Aug. 31, 2024
    - Jan 15: income earned from Sept. 1 to Dec. 31, 2024
  - You can pay smaller sums weekly, monthly, etc
  - irs.gov/payments (05/24)
  - Form 1040-ES (05/24)
- Estimated Tax Payments Calculator @ bench.co (05/24)
Taxes on Social Security
- Is Social Security Income Taxable @ smartasset.com (05/24)
  - You will never pay taxes on more than 85% of your Social Security income
  - If your combined income is more than $34,000, you will pay taxes on up to 85% of
    your Social Security benefits
  - To withhold taxes from your Social Security benefits, you will need to fill out
    Form W-4V (Voluntary Withholding Request). The only withholding options are
    7%, 10%, 12%, or 22% of your monthly benefit.
  - If you prefer to pay more exact withholding payments, you can choose to file
    estimated tax payments instead. These are tax payments that you make each quarter
    on income.
  - You can switch strategies.
Tax Brackets
- Federal Income Tax Brackets for 2024 @ nerdwallet.com (05/24)
  - 10%: $0 -> $23,200 (jointly)
  - 12%: $23,201 -> $94,300 (jointly)
  - 22%: $94,301 -> $201,050 (jointly)
  - 24%: $201,051 -> $383,900 (jointly)
  - 32%: $383,901 -> $487,450 (jointly)
- Example (taxable income = $200,000)
  - 10%: ($23,200 * 0.10) = $2,320
  - 12%: ($71,099 * 0.12) = $8,532
  - 22%: ($105,699 * 0.22) = $23,254
  - Total tax = $2320 + $8532 + $23,254 = $34,106 (~17% tax rate)
  - Monthly taxes = $34,106 / 12 = $2,842
Capital Gains
- Capital Gains Tax Exemption for Seniors @ unbiased.com (05/24)
  - Capital gains are the profits you make by selling an investment asset – the
    difference between the price you originally paid and any increase that has
    accrued at the point of sale.
  - If your tax filing is married and filing jointly, your threshold for avoiding
    capital gain rises to $500,000.
- Capital Gains Exemption for People Over 65 @ learn.valur.io (05/24)
  - The capital gains tax over 65 is a tax that applies to taxable capital gains
    realized by individuals over the age of 65.
  - The tax rate starts at 0% for long-term capital gains on assets held for more
    than one year and 15% for short-term capital gains on assets held for less
    than one year.
  - However, these tax rates may vary depending on the individual’s filing status
    and income level.
- Capital Gains Tax on Real Estate @ bankrate.com (05/24)
  - The long-term capital gains tax rates are 15 percent, 20 percent and 28 percent,
    depending on your income.
  - The tax is only assessed on the profit itself.
  - If you purchased a house five years ago for $250,000 and sold it today for
    $500,000, the profit would be $250,000.
  - For 2024, if your taxable income is between $89,251 and $553,850 (married
    and filing jointly) you would pay 15 percent on the $250,000 profit.
  - However, you can exempt a certain amount of the profit — up $500,000,
    (married and filing jointly) — from the tax if you meet certain conditions.
  - You can sell your primary residence and avoid paying capital gains taxes
    on the first $500,000 if married and filing jointly.

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Tricycles

ADJUSTABLE TRAINING WHEELS
- Bike Stabilizers
  - CyclingDeal Adjustable Bicycle Stabilizers @ amazon.com ($129.98) (06/24)
    - For 24-inch wheels; black; STEEL
    - Won't fit if the bike has dual suspension, a chain guard, or if the frame's
      upper rear stays are wider than 26mm or the lower rear stays are wider than 30mm
    - Quality rubber tires and steel wheelset
    - CyclingDeal Adjustable Adult Training Wheels @ youtube.com (06/24)
    - SM-906 @ cyclingdeal.com.au (what we bought on amazon.com) (06/24)
      - Fits 24"-29" including 700c bikes
    - SM-905 @ cyclingdeal.com.au (we did not buy this one) (06/24)
  - Adult Stabilizer Wheels Installation @ youtube.com (06/24)
OZONE 26" MOUNTAIN BIKES
- Are Ozone Bikes Good? @ bikerhype.com (06/24)
  - Dynacraft BSC makes the Ozone bike
  - Ozone bikes are made in Taiwan and China
  - Dynacraft Mountain Bike Owner's Manual @ shopify.com (06/24)
  - How to Assemble a 24" Mountain Bike @ dynacraftwheels.com (06/24)
- "They're really designed to be shiny and ride around on the road,
  maybe the odd bike path and that's about it, but with some TLC they'll
  do quite a bit."
- Ozone 500 Men's Black Canyon 26" Bike, Light Gray @ academy.com ($199.99) (06/24)
  - This is more a riding bike than a mountain bike
  - Shimano TZ rear derailleur; 7 speed twist shifter
  - Comfort riser handlebars
  - Aluminum frame
  - Linear pull brake
  - Dual suspension and steel fork
  - Seat with a quick-release clamp
  - Bike weighs 33 pounds
  - NW Plano: limited stock; may require 48 hours for assembly
BIKE SHOPS
- CFB Bike Shop (06/24)
  - 14026 N Stemmons Frwy, Farmers Branch, Texas 75234
  - Email: info@cfbbike.com
  - 469-828-1626
  - Hours: Mon-Sat: 10am-7pm; Sun: 12pm-5pm
  - West side of I-35; south of Valwood Pkway
  - Basic Tune-up: $90
- Ride-On Mobile Bicycle Repair @ rideon.bike (05/24)
  - Chip Tredo
  - 214-646-4906
ACCESSPROES
- Ammo Crate
  - Plano 16 Qt Storage Crate @ homedepot.com ($19.98) (05/24)
    - W Plano Home Depot: Aisle 08, Bay 007
    - Water and element resistant O-ring seal
    - 16.25" W x 13" D x 9.5" H
- Bike Lights
  - WORKPRO Bike Lights @ amazon.com ($15.99) (05/24)
- Bike Pedals
  - Walmart
    - Ozark Tail Aluminum Mountain Pedals, Black @ walmart.com ($14.96) (06/24)
      - Fits 9/16" threads
      - Stable wide platform
      - "They are big and wide to have more foot room on them."
      - "These bike pedals have large, sharp studs lining the outside of both pedals.
        If your shoes are flimsy or your feet slip off the pedals extreme pain/skin damage
        is caused."
    - Snafu Dominator Black Bike Pedals with 9/16" Axle Adapter @ walmart.com ($14.96) (06/24)
      - Out of stock in the warehouse; pick up at Dallas or Carrollton Super center (really?)
      - Dimensions: 2.50 x 5.50 x 7.75 Inches
      - 9/16 inch axle adapters now included
      - Boron hardened steel axle
  - Amazon
    - Mongoose Bike Pedals, 1/2" and 9/16" Adapters @ amazon.com ($15.99) (07/24)
      - Platform: 3.875" x 3.75"
      - Alloy metal
      - Good reviews
    - ODYSSEY Twisted PC 1/2 Pedals Red @ amazon.com ($19.95) (06/24)
      - Dimensions: 5"L x 4.5"W
      - Intended use: Downhill & Freeride
      - "I like the traction without having to get pinned pedals that can destroy your shins"
    - Sunlite Barefoot Cruiser MX Pedals @ amazon.com ($20.99) (06/24)
      - Dimensions: 6 x 5.35 x 2.85 inches
      - "Can be screwed in/out via Allen wrench socket on the outside of pedal,
        which I find easier to deal with than pedal wrench"
    - Sunlite Comfort Grips ABS Pedals with Rubber Surface @ amazon.com ($15.97) (06/24)
      - Dimensions: 6.1 x 5.1 x 2.5 inches
      - "These are slightly oversized and the color scheme matched my black/grey bike perfectly"
      - "I needed something that would distribute my foot pressure over a larger,
        flatter/softer surface, and with indentations along the peddle's axle housing.
        And these do the trick quite nicely."
    - YBEKI Exercise Bike Pedals with Straps @ amazon.com ($22.99) (06/24)
      - 1/2" threads
      - Dimensions: 4.72 x 5.51 inches; Straps size: 32 cm long
      - These are great large size exercise bike pedals for barefoot use
      - Wide pedal easily fits my wide tennis shoes
- Bike Seat
  - Schwinn Cruise Noseless Foam Bicycle Saddle, Black @ walmart.com ($19.96) (05/24)

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Bonnie's Links
created by Bonnie Lee Hill,

bonniehill@verizon.net

last modified on September 7, 2024

URL: http://www.bonniehill.net/pages/misc.html

Frisco Lakes (Frisco)	Union Park (Little Elm)
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