Kufrol

What is wrong with you that you wish homelessness on someone just for being inexperienced and clumsy in a new environment? OP even said he had a good time, the kid was just green around the gills.
 
What exactly is the "lesson" here? Don't be poor? What was his crime, being new? Do you realize how soul-shatteringly hard it is to be homeless for any amount of time, let alone pull yourself out of it? Have you ever experienced poverty, or even spoken to an impoverished person?
 
Think before you speak next time.

>>The escort flipped out and beat his ass bad. Broke several teeth on his fist/against a wall...
 
Not sure that is the smartest response. Were the police called? A bad check is one thing, assault is another.

He’s a nice guy, definitely green in the escorting biz. I WILL NEVER wish financial devastation or homelessness on any one. Your comment is unwarranted and abusive!!!!

What's the lesson?

Hey thanks for this input!!!

You may not have a porn star dick, but he may've particularly enjoyed something you were doing with other parts of your body. I had an escort contact me the day after to suggest a repeat meetup, and like you, I said it's not something I can afford again that quickly. He said okay, you don't have to pay, let's just do the same thing again. Full disclosure, this has only happened to me once.

As a novice, he probably needs to find the balance between establishing boundaries and a client base. He knows you're safe and you met his financial (and maybe physical) expectations. If he has a Rentmen profile, you can see when he opened the account. He also might figure flattery will get him more business with you, a proven entity. Regardless, you're wise to keep track of what both your budget and time will allow (as you mentioned in your original post). Write a nice review, if warranted, and then he'll expand his clientele.

As a novice, he probably needs to find the balance between establishing boundaries and a client base. He knows you're safe and you met his financial (and maybe physical) expectations. If he has a Rentmen profile, you can see when he opened the account. He also might figure flattery will get him more business with you, a proven entity. Regardless, you're wise to keep track of what both your budget and time will allow (as you mentioned in your original post). Write a nice review, if warranted, and then he'll expand his clientele.

As a novice, he probably needs to find the balance between establishing boundaries and a client base. He knows you're safe and you met his financial (and maybe physical) expectations. If he has a Rentmen profile, you can see when he opened the account. He also might figure flattery will get him more business with you, a proven entity. Regardless, you're wise to keep track of what both your budget and time will allow (as you mentioned in your original post). Write a nice review, if warranted, and then he'll expand his clientele.

As a novice, he probably needs to find the balance between establishing boundaries and a client base. He knows you're safe and you met his financial (and maybe physical) expectations. If he has a Rentmen profile, you can see when he opened the account. He also might figure flattery will get him more business with you, a proven entity. Regardless, you're wise to keep track of what both your budget and time will allow (as you mentioned in your original post). Write a nice review, if warranted, and then he'll expand his clientele.

As a novice, he probably needs to find the balance between establishing boundaries and a client base. He knows you're safe and you met his financial (and maybe physical) expectations. If he has a Rentmen profile, you can see when he opened the account. He also might figure flattery will get him more business with you, a proven entity. Regardless, you're wise to keep track of what both your budget and time will allow (as you mentioned in your original post). Write a nice review, if warranted, and then he'll expand his clientele.

I was unaware of that. Thanks. No wonder it's so easy to work with both.

Once again, thanks. My grandmother used to say, "Honey, nobody ever promised us easy, but I promise you, there are people out there who can help make things easier if you look for them." She was right!

Ive been in HMOs for 40 years....3 of them....they're all kind of the same. You do get rushed through visits and the clinics are big and full.

There's also some other "wrinkle" coming possibly in 2020, I think - something about the insurers are going to stop offering supplemental Plan "F" to new enrollees......folks already with "F" can keep it but because of no more new enrollees entering that plan, monthly premiums might skyrocket.....for that reason alone, many are simply now signing with Plan "G" first or switching over from "F" into "G" if that's an available option with their carrier / in their area.....like I said, I have my parents & other relatives with "F" for now.....I've simply been too lazy or don't care about a premium increase enough yet to have taken some action & consider recommending to them to change from one to the other.....before this change kicks in though, the total costs to the insured (patient) between "F" (having the deductible covered) & "G" (paying the deductible but with lower premium) - that difference albeit still beneficial with "G" should have been relatively minimal.....
 
& also for Part D, I recommended Aetna RX Saver plan....good formulary / good premiums.....but selecting an actual plan can get more complicated / involved than just those 2 factors.....every individual needs to look at a plan's co-pay structure.....for current meds, easy to incorporate into one's calculations....if new meds are initiated during any calendar year, a new evaluation of one's plan might need to be done & might mean changing plans.

Newatthis has some excellent advice.
 
As "newatthis" has stated, the Medicare Part B deductible is $183 and the difference in premiums for Plan F (which has no deductible) is greater than just paying the deductible of Plan G (which does not cover the $183 deductible). That is why I have Plan G.
 
I went to a private Insurance broker and purchased a policy from a company that you have never heard of but is highly rated by Consumer Reports and by a cursory review of online comments. I have only had a couple of instances of using my Medicare Supplement and have had no problems with this company.
 
One consideration in getting a Medicare Supplement is that there are three ways in which the premiums are figured: 1)Community Rated; 2)Issue-Age policy; 3)Attained-Age policy. My policy is "Community Rated" which means that I pay a higher rate (everyone in the plan pays the same rate regardless of age) but will not see drastic increases as I get older. You could get a policy that is "Attained Age" which would be lower initially but would see much higher rates as you age.
 
For a good explanation of these three ways in which premiums are set see:
 
https://www.medicare.gov/find-a-plan/staticpages/learn/how-insurance-companies-price-policies.aspx?AspxAutoDetectCookieSupport=1

There's an important "gotcha" with the premiums- they're means-based, so if you are on Medicare and still working, you may have to pay a higher premium. I feel like I'm paying three times for Medicare-I've been paying into it for my entire life, a portion of my self-employment tax goes to medicare and I pay an increased monthly premium because of my income.

Assuming you do traditional medicare + a Part B supplement ("medigap") + a drug plan ("Part D"), there are some important points which may reduce your anxiety.
 
1. For Part D (drugs), medicare has a personalized search at https://www.medicare.gov/find-a-plan/questions/home.aspx?AspxAutoDetectCookieSupport=1 which allows you to input the medications you currently use and then spits out a list of plans in your area sorted by lowest total annual cost. This can and should be done every year during open enrollment, since the drug plans change. In my case, my standard meds are all tier 1 generics and my plan, which costs about $17/month, covers them free of any charge. Of course, this helps only with the drugs you already take.
 
The interface is a little clunky, but well worth the time to learn to use it.
 
2. All medigap policies come in standard packages (A, B, ...., G) and all plans with the same letter designation have exactly the same benefits no matter who the insurer is. The most comprehensive is "F"; "G" is the same as "F" except you have to cover the yearly Part B deductible (currently around $180) out of pocket. In the plans I looked at, the annual premium difference between "F" and "G" was more than the deductible, so I went with "G".
 
Your choice of insurer thus comes down to how financially solid the insurer is and the quality of their customer service. See #3.
 
3. You are guaranteed acceptance into a medigap plan without a physical exam only in the first 6 months of eligibility; you are locked into your choice after that (I'm glossing over some exceptions and details here). I found that frightening. In the end, I worked with an insurance broker (they are paid by the companies, not you) who was very knowledgeable about the various companies. Most importantly, he knew that in my area, Blue Cross/Blue Shield (one of the most expensive plans) had guaranteed acceptance, period, which meant I could always switch to them if my first choice didn't work out. So I went with the cheapest medigap plan offered by a financially stable company and so far they've been fine.
 
4. Finding a good insurance broker might not be so easy, but it's worth the search -- they also handle all of the paperwork for you. I found mine through recommendations from friends. I did cold call a few I found online, but my initial interactions with those did not inspire confidence.

UHC and OptumRx are part of the same company.

This says that the donut hole is going away
 
https://www.aarp.org/health/medicare-qa-tool/does-the-doughnut-hole-go-away/

I belonged to Kaiser when I worked in Oregon and have friends who have their supplemental insurance. They've experienced no hassles as Washington (state) residents who have had minor and somewhat major out of state emergencies, using non Kaiser facilities and physicians ... I'd go with them if I could.

There's so much at stake that you're stuck.

And that donut hole is based upon the actual price of the prescription and not the co-pay. If a person has expensive meds they can reach the donut hole quickly.
 
Obamacare did a lot of good like allowing coverage without regard to pre-existing conditions but I wish that it had done away with the donut hole!

I'm in Kaiser so they very much exist. Kaiser is only in California and a few other parts of the country. Everyone praises Kaiser (and they get the best reviews), until they're in it. Then you end up constantly complaining about it. I have no other Medicare reference to compare it to. I guess my Part D is through Kaiser also. With Kaiser you don't have to make choices or decisions. There are none. I've been in HMO's for 40 years so it would be scary to switch.
 
Isn't the donut hole supposed to go away? I don't know if I have one in Kaiser since I have few meds.

My experience overall with Medicare has been A+. I have only paid my yearly deductible of $100 and no more.
 
My only problem has been Rx chemo - $3300 the first month put me into and out of the donut hole in one fell swoop! Now my copay is 750 per month and I will be screening the plans specifically for this medication. Unfortunately, it is what it is.
 
Otherwise, goodrx.com can save a lot of mo