u/240221

Hope I have those terms right. I know how shy Redditors can be about pointing out error, but if I have them wrong let me know.

I'm switching providers. Was all set to go with one, when another -- with a higher premium -- told me to be sure to check whether they use issue-date pricing or attain-date pricing. So far, everyone I've spoken with other than that guy uses attain-date.

Here's the difference, as I understand it. (Again, feel free to educate me. I'm just regurgitating stuff I've read.) First, all providers may change their rates from year to year, to take into account inflation and increased yacht usage by executives. But, while those who use attain-date pricing will look at your then-current age each year at renewal time, those who use issue-date will always use your age at the date of issuance.

As an example (again, as I, duh, understand it), If you are 65 when you buy the policy in 2026, both attain-date and issue-date pricers will charge you what they charge other 65 year olds based on their 2026 pricing. However, in 2027 the attain-date pricer will charge you what it charges other 66 year olds but the issue date pricer will charge you what it charges 65 year olds because of your age at the time the policy was first issued. In 2036 the attain-date pricer will charge you what it charges other 75 year olds, but the issue-date pricer will still charge what it charges other 65 year olds.

So:

1. Do i have that right?

2. Does anyone know if that really makes a significant difference? (The one company I found that says it uses issue-date pricing is $40 more/month for Plan G and more than $100 more/month for Plan F.

3. Do you know of any issue-date provider that carries N, G or F in Arizona?

(Damn. They should have taught this stuff in college.)

(Never mind, I wasn't paying attention in college.)

I've been on Plan F for seven years and am making a switch. Back when I signed up, I didn't know nuthin bout nuthin and my agent wasn't much help. Suggested F and I took it. Now I'm switching providers and saving about $100/m. I'm also thinking about whether I should go to Plan G now or, more likely, in January.

My understanding is the only difference between G and F is that F pays your an annual Medicare deductible of about $280. With G, I'd have to pay it myself. If I switch to G now, I'd have to pay that deductible for 2026. Because G is $38/m cheaper, I'd save $266. So it makes sense to stay on F until January, then switch.

Is there any other disadvantage to G as compared to F?

Man, so many fools being victimized by the SS scandal. Dimwits being convinced by scam artists that if they say magic words and capitalize the right letters they can ignore the rules of society.

Why doesn't the IRS seek these people out, prosecute, and publicize? Not doing it -- letting some of these folks go for years without penalty -- leads others to believe there is something to it.

Why don't judges cut he nonsense short and sentence them high for their offenses, rather than cutting them slack? Why don't prosecutors spend a little time on these and not cut deals? A few well publicized convictions -- the modern day equivalent of heads on spikes -- would deter the weak minded.

Why don't police pull folks with these cereal box toy license plates over more often? Car gets towed.

By being lenient, they are giving the hype artists room to convince others.