chitownguy

Just like the private insurance market there are different types of Medicare Advantage plans. HMO's, PPO, PFFS (private fee for service) and special needs plans.

You can switch to another Medicare advantage plan or go back to original Medicare every year during the open enrollment period.

Per the IRS the definition of a gift - "the transfer of property (including money or the use/income from property) to another person without receiving something of at least equal value in return". If the exchange of money doesn't meet this standard then it is taxable income to the recipient. Gifts over certain dollar amounts can also be taxable to the person who gives it to you.

Here is an obituary published online today. It doesn't say when or how he died. https://canadianfortress.site/robert-franklin-aka-mr-cali-obituary-legendary-figure-in-black-lgbtq-adult-entertainment-communities-passes-away/

You don't need a SSN to open a bank account. But if you receive interest payments reportable on a 1099 and don't give the bank your SSN the payments can be subject to backup withholding. From the IRS website: When you open a new account, make an investment, or begin to receive payments reportable on Form 1099, you must provide your TIN. For certain types of payments, you must provide the TIN in writing and certify under penalties of perjury that it's correct. In those cases, the bank or business will give you Form W-9, Request for Taxpayer Identification Number and Certification or a similar form. If your account or investment will earn interest or dividends, you must also certify that you're not subject to backup withholding due to previous underreporting of interest or dividends. You may be subject to backup withholding and the payer must withhold at a flat 24% rate when: you don't give the payer your TIN in the required manner

The movie is available to stream on Max. Watched this weekend.

I have been taking injectable PreP for the last six months. I switched when Medicare started paying for it. It is more effective than oral Prep in preventing HIV. It is safe but like oral Prep it can have cause similar side effects. The most serious being kidney or liver problems. As with oral Prep you periodically have to take a blood test to check your liver and kidney functions. Also some people can experience significant soreness/pain at the injection site for several days. For me it hasn't been that bad.

This is why gay men should get a hepatitis vaccine.

I've had a couple of sessions with Cato. He does a great erotic massage. https://rentmasseur.com/CATO

Delay, Deny Defend is the title of a book about how insurance companies deny claims. https://www.amazon.com/Delay-Deny-Defend-insurance-companies-ebook/dp/B086Z2HGWM/ref=sr_1_1?dib=eyJ2IjoiMSJ9.mwpnelaY_vwy8jQDyBmezcPmo1LHE8JCyagaejRV3jU.sKjoLhFTFXcunI_N-EdGRfch7dw01L2-oeEd9hHxa8U&dib_tag=se&keywords=defend+deny+delay&qid=1733416463&sr=8-1

Money received as a gift or from a loan is not taxable.

If you are self employed you are suppose to make quarterly estimated tax payments. You estimated what your income will be for the year and calculate what the tax (federal income tax and self employment tax) would be on that income. Each quarter you send 25% of that estimated tax to the IRS. When you file your tax return if the actual tax you owe is greater than the estimated payments you made you have to pay the difference. And most likely an underpayment penalty. That penalty can be significant. Particularly if you never made any quarterly payments. Taxes can be complicated and confusing. I would advise your friend to seek advice from a good tax accountant.

Yes the pharmacy would have to be a Part B provider. The large national chains Walgreens, CVS etc. are enrolled in Part B. I get mine prescription from Walgreens. If you get injectable Prep from your physician or a clinic, they would have to accept Medicare assignment.

I've have been paying for my PreP prescription out of pocket using a GoodRx coupon. The copay on my Part D plan was $150/month. Yesterday when I picked up my refill the pharmacist told me I no longer have to pay anything since Medicare Part B now pays the total cost. This great news. I'm now considering switching to the injectable form of PreP to avoid taking a daily pill. https://www.hiv.gov/blog/now-medicare-part-b-coverage-pre-exposure-prophylaxis-prep-for-hiv-prevention

It might have been declined because it was flagged by Mastercard as a possible fraudulent charge because it's a foreign charge. I had this happen awhile back when I renewed my membership with a new card. I had to call my bank to let them know I authorized the charge. I then resubmitted my renewal and it went thru.