Hosted by DRCOG/SHIP Program and Lumen Knowing the facts about Medicare and how it may factor into your future is important to your overall retirement plan. Join these quarterly 60-minute Medicare webinars […]
2025, Issue 1, Retiree Guardian
The latest issue of the Retiree Guardian has been posted to the front page of our website. You can also find it directly by clicking on the image, below.
CLEC VERSUS ILEC
Originally published in issue 3, 2024 of the Retiree Guardian By Clyde Just In the last issue, I wrote an article that explained the key issues that impacted the eight companies that […]
Volunteer Opportunities
YOU Could Become a SHIP Counselor Barbara Wilcox, SHIP Counselor If you have been reading The Retiree Guardian, you know that I am a SHIP Counselor. You know that I write articles […]
2025 HRA UPDATE
The vast majority of our (Post-90 retirees) readers receive an HRA benefit from Lumen. This benefit was implemented for management in 2012 and was initially guaranteed until April 2017. It has been […]
All About IRMAA (Income-Related Monthly Adjustment Amount)
All About IRMAA By Barbara Wilcox, SHIP Counselor People who are in higher income brackets have to pay more for their Medicare Part B and Part D premiums than people who are […]
What Happened to the Bell System after Divestiture?
What Happened to the Bell System after Divestiture? By Clyde Just In the first issue of our newsletter this year you read an article by Cindy Hadsell concerning the happenings of the […]
DO YOU HAVE QUESTIONS ON YOUR CONCESSION SERVICE?
DO YOU HAVE QUESTIONS ON YOUR CONCESSION SERVICE? By Clyde Just Recently, I have received several calls regarding Telephone Concession service. I have pursued finding more information on this subject and I […]
Update: Medicare Coverage of COVID-19 Vaccines, Tests, and Treatments.
Medicare Coverage of COVID-19 Vaccines, Tests, and Treatments. By Barbara Wilcox, SHIP Counselor The COVID-19 Public Health Emergency ended May 11, 2023. Even though the emergency is over, the disease is still […]
Untangling the multiple parts of Medicare
By Barbara Wilcox and Greg Snyder Medicare is complicated! It is especially complicated for anyone signing up for the first time. Traditional Medicare? – Original Medicare? – Which parts should I get? […]



