For the last few years before I retired (in 2018), my wife and I were enrolled in the GEHA HDHP. We invested the maximum amounts into our respective HSAs and haven't yet touched them. At present, our combined HSA balances are >$50,000 and are invested in Fidelity's zero expense US and international equities index funds. I maintain very detailed records of our healthcare expenditures (including dental, prescriptions, devices, and OTC purchases).
In retirement, I enrolled us into the GEHA standard option plan (self + one). We're both over age 65 and have both opted out of Medicare Part B -- in large part because we're making substantial Roth conversions each year and because we live overseas six months each year and therefore are ineligible for Medicare coverage while outside the USA.
Medical and dental expenses are far lower in Europe than in the USA. In addition, we've both found that the quality of dental care here is higher than what we've experienced in the USA.
MichDad
In retirement, I enrolled us into the GEHA standard option plan (self + one). We're both over age 65 and have both opted out of Medicare Part B -- in large part because we're making substantial Roth conversions each year and because we live overseas six months each year and therefore are ineligible for Medicare coverage while outside the USA.
Medical and dental expenses are far lower in Europe than in the USA. In addition, we've both found that the quality of dental care here is higher than what we've experienced in the USA.
MichDad
Statistics: Posted by MichDad — Tue Jun 11, 2024 2:48 am — Replies 58 — Views 2276