Spiritual Notes II

Augustine - 4 States of Sin in Man

Augustine argued that there are 4 states, which are derived from the Scripture, that correspond to the four states of man in relation to sin: (a) able to sin, able not to sin (posse peccare, posse non peccare); (b) not able to not sin (non posse non peccare);(c) able not to sin (posse non peccare); and (d) unable to sin (non posse peccare).  The first state corresponds to the state of man in innocence (before the Fall); the second state of the natural man after the Fall; the third state is for the regenerate man; and the fourth is the glorified man.     

I Am - Deity of God 

Gary Manning Jr

“I am” (ἐγώ εἰμι), by itself, is not a code for the name of God;

In the New Testament, ἐγώ εἰμι is used by Jesus, Judas (Matt 26:25), Gabriel (Luke 1:19), the blind man (John 9:9), Peter (Acts 10:21) and Paul (Acts 22:3, 26:29, Rom 11:13, 1 Tim 1:15), always to refer to themselves. This matches the use in Greek outside the NT. The Septuagint uses “I am” (ἐγώ εἰμι) in very normal ways. God uses the phrase often, but so does Jacob (Gen 27:32), Deborah (Jdg 5:3), Gideon (Jdg 6:15) and others. As I have searched through other works written in ancient Greek (Philo, the Pseudepigrapha, Plato and other philosophers), I have run across many such ordinary occurrences of ἐγώ εἰμι.

“I am” is only intended to refer to deity in some of Jesus’ sayings;

• “They saw Jesus walking on the sea… and they were frightened. But he said to them, “It is I (ἐγώ εἰμι); do not be afraid.”” (John 6:19-20)
• “Truly, truly I say to you: before Abraham was, I am (ἐγώ εἰμι).” (John 8:58)
• “Jesus said to [the soldiers], “Whom do you seek?” They answered “Jesus of Nazareth.” Jesus answered “I am he (ἐγώ εἰμι).” … when Jesus said to them “I am he (ἐγώ εἰμι),” they retreated and fell to the ground… Jesus answered “I told you that I am he (ἐγώ εἰμι).”” (John 18:6-8)

In each of these three, the context suggests that Jesus’ deity is implied.

Paying too much attention to the “I am” part of the sentence distracts readers from paying attention to the rest of the sentence.

I have often noticed, when listening to sermons or reading student papers about “I am” sayings in John, that there is so much focus on the “I am” part, and its purported reference to deity, that the actual claims found in the rest of the sentence are overlooked. These claims (bread of life, good shepherd, door, life, etc.), while consistent with Jesus’ deity, are usually about some other nuance of Jesus’ identity.

To sum up: the gospels clearly teach about Jesus’ deity. But that doesn’t mean that everything Jesus says is about his deity! “I am” (ἐγώ εἰμι) is such a common phrase that it cannot be taken as some sort of code word that always refers to deity. 

Natural Law

Natural law is the legal theory upon which the Christian West was founded. It holds that a moral code is written on the hearts of men, valid for all peoples and places, providing a basis for moral certainty guiding human action. This moral law in human nature provides the general guidelines upon which all law is based. The Ten Commandments, for example, are often described as a succinct summary of natural law.

 The left is taking the country to chaos through bizarre misinterpretations of the law. No longer relying upon precedent or even the strict lines of the Constitution, just about anything can be legally justified—abortion, assisted suicide, complete sexual license, new “transgender rights,” pronoun tyranny and other practices. Law is fluid and changeable to whatever suits the person’s passions.

Son of Man 

from RC Sproul:

Daniel had a vision in the heavenly court of God.

Daniel 7:13-

“I saw in the night visions

,and behold, with the clouds of heaven
there came one like a son of man,
and he came to the Ancient of Days
and was presented before him.14 And to him was given dominion
and glory and a kingdom,
that all peoples, nations, and languages
should serve him;
his dominion is an everlasting dominion,
which shall not pass away,
and his kingdom one
that shall not be destroyed.

The Son of Man was given authority to judge the world
The Son of Man is a heavenly person who descends to this world whose principal role
is His visitation to this earth is that of the heavenly judge. And then He returns to the presence
of God in His ascension. Jesus said "No one ascends to the Father except He who has first descended from Him. Jesus claim of the Son of Man was not of humility but a claim to divine authority. Ex. He said to His enemies when Jesus healed on the Sabbath, "I did this that you may know that the Son of Man is Lord of the Sabbath. Again and again, the title "Son of Man" that Jesus uses for Himself is a highly exalted title.

Son of God - someone who does the will of the Father

How do you know the Bible is True? (John MacArthur)

The most foundational question of all.
1-The person of Jesus Christ
The presentation of the person of Jesus Christ is beyond comprehension.
It says in the Bible about Jesus “This man has never spoken like any other man before”
He is not some person from someone’s imagination.  How can you explain Resurrection?
There were 500 eyewitnesses to the Resurrection, who did not expect it.
How do you explain the 12 apostles who were scared of their own shadow and went out to hide
become the trumpet for Christ and changed the world?

2-The Old Testament has more than 324 prophecies about Jesus Christ that have been fulfilled.  There are other prophecies that have not been fulfilled yet (not until the end times). The Bible is full of Messianic prophecies. Mathematician Peter Stoner counted the probability of one person fulfilling even a small number of them. And he concluded, the chance of a single man fulfilling “just” 48 of the prophecies found in the Tanakh (Old Testament) would be one in (10 followed by 157 zeros)!

Micah 5:2

“But you, Bethlehem Ephrathah,
    though you are small among the clans[a] of Judah,
out of you will come for me
    one who will be ruler over Israel,
whose origins are from of old,
    from ancient times.”

16 

Psalm 22:16

Dogs surround me,
    a pack of villains encircles me;
    they pierce[e] my hands and my feet.
17 All my bones are on display;
    people stare and gloat over me.
18 They divide my clothes among them
    and cast lots for my garment.

3-Science – when people were saying the world is flat, the Bible says it’s a sphere(round)(Isa 40:22).  When people are saying that the earth floats in space, the Bible says that it turns on an axis (rotates on its own axis) Job 38:12-14.

4-Archeology-Ancient writings, ancient lands and events and structures have been found presented in the Bible (The Dead Sea Scrolls)

5-The Word of God does what it says it will do… it transforms lives.

Heidelberg Catechism - Divided into 3 parts:

Guilt, Grace, Gratitude

Biblical Interpretation -

Hermeneutics is the theory and principles of interpretation, while exegesis is the practical application of those principles to a specific text to extract its meaning

Hermeneutics - the science and art of Biblical interpretation.

(Gr. Hermeneutike “interpretation”)

The rules one uses for searching out the meanings of writings, particularly biblical texts.

Exegesis

Exegesis literally means, “to lead out of.” Exegesis means that the reader starts with the text and draws conclusions, about the meaning, based on historical-cultural and grammatical analysis. When you follow this line of thought, God`s word remains authoritative.  You can grasp what God is trying to teach you rather than beginning with your own ideas and twisting God`s word to make it fit your own opinions.

Gr. Exegesis, “interpretation,” from

exigeisthai, “to draw out or to explain”

Eisegesis literally means “to lead into.” Studying Scripture with this approach doesn’t do the text justice because it often leads to open-ended misinterpretation. “Eisegesis is concerned only with making a point, even at the expense of the meaning of words (Gotquestions.org).” The Eisegetical method places man`s word above God`s Word.

"Usage has restricted the meaning of hermeneutics* to the science of Biblical exegesis, that is, to the collection of rules which govern the right interpretation of Sacred Scripture. Exegesis is therefore related to hermeneutics, as language is to grammar, or as reasoning is to logic." 

*Exegesis is the practice of carefully analyzing a text to discover its original, intended meaning, while hermeneutics is the broader theory and philosophy of interpretation that provides the principles and methods for how to conduct exegesis

Romans 11:25-26 One True Israel

25 Lest you be wise in your own sight, I do not want you to be unaware of this mystery, brothers:[d] a partial hardening has come upon Israel, until the fullness of the Gentiles has come in. 26 And in this way all Israel will be saved, as it is written, 
“The Deliverer will come from Zion,
he will banish ungodliness from Jacob”;

Romans chapter 11 is often used as a key argument against dispensationalism because it suggests that the eventual salvation of "all Israel" will happen within the current church age, not in a future distinct dispensation, contradicting the dispensational view of a separate future plan for Israel distinct from the Church. 

Key points from Romans 11 against dispensationalism:

·        "Fullness of the Gentiles":

Dispensationalists interpret this phrase in Romans 11:25 as referring to a large number of Gentile converts, but not the complete inclusion of Gentiles, leaving room for a future restoration of Israel. However, critics argue that the context indicates this refers to the current era of Gentile salvation, leading to the eventual salvation of all Israel. 

·        "All Israel will be saved":

This verse (Romans 11:26) is central to the argument against dispensationalism, as it suggests that all of Israel (both Gentiles and True Israel) will eventually be saved, not just a remnant, during the current church age. 

·          No distinction between Israel and the Church:

Critics argue that Romans 11 presents a unified picture of God's plan for salvation, including both Jews and Gentiles, without a clear separation between the "Church Age" and a future "Israel Age" that is central to dispensationalism. 

·        I Interpretation of "Blindness in part":

They argue that the "blindness" referred to in Romans 11:25 is not a permanent state for Israel, but a temporary hardening that will eventually be lifted as the fullness of the Gentiles comes in. 

·          Emphasis on the present work of the Spirit:

Critics point out that Romans 11 highlights the work of the Holy Spirit in bringing salvation to both Jews and Gentiles in the present time, not a future, distinct plan for Israel. 

Our Justification is outside of us.

It is outside of our birth and death.

It has been paid for 2000 year ago by a righteous man.

So nothing in our lifetime can get us into heaven. 

Martin Luther Dikaiosune vs Justificare

Romans 1:

16 For I am not ashamed of the gospel, for it is the power of God for salvation to everyone who believes, to the Jew first and also to the Greek. 17 For in it the righteousness of God is revealed from faith for faith,[e] as it is written, “The righteous shall live by faith.”

“These words ‘righteous’ and ‘righteousness of God’ struck my conscience as flashes of lightning, frightening me each time I heard them: if God is righteous, he punishes. But by the grace of God, as I once meditated upon these words in the tower: ‘The righteous shall live by faith’ and ‘the righteousness of God,’ there suddenly came into my mind the thought that if we as righteous are to live by faith, and if the righteousness of faith is to be for salvation to everyone who believes, then it is not our merit, but the mercy of God. Thus my soul was refreshed, for it was the righteousness of God by which we are justified and saved through Christ. These words became more pleasant to me. Through this word the Holy Spirit enlightened me in the tower.”

Martin Luther's distinction between dikaiosune and justificare highlights a crucial shift in understanding justification. While the Latin term justificare implied "to make righteous," Luther interpreted the Greek dikaiosune as "to declare or count as righteous," emphasizing God's gracious imputation of Christ's righteousness rather than a transformation of the individual. This understanding was pivotal for his sola fide (faith alone) theology and his critique of the Catholic Church's emphasis on works righteousness.

Elaboration:
Dikaiosune (Greek):
Luther focused on the Greek term dikaiosune in the New Testament, finding that it meant "to be declared righteous" or "to be accounted righteous" by God. He understood this to mean God declares a sinner righteous not because of their own righteousness, but because of Christ's righteousness imputed to them.
Justificare (Latin):

The Latin term justificare was understood by the church fathers as "to make righteous," implying a process of transformation or becoming righteous through works and sacraments.
Luther's Breakthrough:
Luther's reinterpretation of dikaiosune was a pivotal moment in his religious journey. He realized that justification was not a process of becoming righteous, but rather a declaration of righteousness by God, based solely on faith in Christ.
Sola Fide:
This understanding of justification by faith alone (sola fide) was central to Luther's theology and a major point of contention with the Catholic Church.
Alien Righteousness:
Luther referred to the righteousness of Christ as an "alien righteousness," meaning it is not our own but is given to us by God.
Critique of Works Righteousness:
Luther rejected the idea that good works were necessary for justification, arguing that they were a consequence of faith, not a means of obtaining it. He emphasized that while good works are important, they do not contribute to our salvation.

Death could not hold Him.  Because death is only reserved for sinners.

Faith

Faith 

The assurance of things hoped for, the conviction of things not seen
The substance of things hoped for, the evidence of things not seen
 is a gift from God but if we don't exercise it, God is not pleased. Hide faith under a bushel?

Oh my God!! Am I missing the true meaning of FAITH!  I truly don't have faith. I'm a weak-minded sinner... so arrogant thinking that I have faith.  Talking the big talk.  Oh God forgive me!!

Help me Lord to turn my life around and not squander the gift you have given.
EPIPHANY - Relying and trusting God in His promise.  Just like Abraham, Noah, Enoch, Abel.  
FOR THEIR FAITH THEY WERE REWARDED  (GOD'S FAITHFULNESS TO HIS COVENANT WITH THEM.) 
Hebrews 11 - the heroes of the faith.  KR says that these OT saints had faith in the object, Jesus Christ.
They had faith that their sins will be forgiven because of Christ.
Still working through it.

Faith is trusting God

God gives us faith, a gift.

But we squander it, or we don't exercise it or we pick and choose  what to trust.

We limit God and His power.

"I believe He can handle this, so I'll have faith in this area."

"I think this is too hard for Him so, I won't fully trust that He can do this, or we don't expect that He will do it"

Or we trust or trust less so we dismiss that God can't do this.

Abraham trusted fully, nothing was too hard or impossible.

Noah trusted, Abel trusted, Enoch trusted.

And they were greatly rewarded.

What is God's covenant promise to me?

If we trust, will we be blessed?  What does it matter?  Do we trust in God's will.  Is it in line with His decretive will.

Is there a covenant answered if we trust God, or when we trust God?  

Leon Morrisey "It is not necessary to have great faith; even a small faith is enough as long as it is  faith in a Great God.

Who is the object of our faith! Who is the object of MY  faith!

Dear God, you are the God of the impossible.  I am so weak and frail, but you are all powerful. Thank you that my hope doesn't rest in the strength of my own faith, but in you strength.  However small it is, keep my faith focused on you alone.  Convince and comfort me with your character and promises.  Help me align my will with yours.  Keep me in your word so that my faith is rooted in a firm foundation.  In Jesus name, Amen!   (author unknown)

From The Grace of Godliness (Canons of Dort)

In other words, the Arminian defines faith in such a way that it is a gift but only in the sense that it is offered so that whether or not it becomes actual is man's choice, not God's.  To the contrary, faith is a gift that God wills to implant within the dead, lifeless sinner so that upon granting the dead sinner new life he believes necessarily. As Dort states, God produces "in man both the will to believe and the belief itself. Peter Toon correctly concludes that , on the basis of article 14, Dort taught "that regeneration precedes faith and is the cause of faith."

True faith, by Christ's definition, always involves surrender to the will of God - John MacArthur.

!=====================================================================

We are given a measure of faith but faith is a gift from God.  If God has given us faith, why do we walk by faith and not by sight.  If God gives faith, why are there passages that says you must have faith?

And whatever you ask in prayer you will receive if you have faith (God's gift)

Because you know the testing of your faith (God's gift) produces perseverance.  God gave us enough faith to be saved but when it gets tested and our faith becomes more solid, so we don't fall into apostasy.  When we are new Christians, our faith is like clouds. we believe but it is the belief of the heart or emotion.  Once we mature in Christ, our faith is in the mind (the object), a more solid faith.

Saving faith is first and foremost faith that is in Jesus Christ. - Westminster Shorter Cat

Growing in faith requires both time and effort.  God ultimately cause the growth, yet He expects us to follow His ways and seek to grow, becoming mature followers of Jesus who can help make disciples of others.  (Matt 28:19-20, 2Tim 2:2)

How God creates and sustains faith

Faith (God's gift) comes by hearing and hearing through the word of Christ. (Rom 10:17)

Old testament believers didn't have the Word, they had God's audible voice.

Regeneration preceded faith

We can't even see faith or touch or smell faith until the Holy Spirit quickens us and makes us receptive to accept faith.

RC Sproul  - Faith Defined  

The Protestant Reformers recognized that biblical faith has three essential aspects: notitia, assensus, and fiducia.

Notitia. Notitia refers to the content of faith, or those things that we believe. We place our faith in something, or more appropriately, someone. In order to believe, we must know something about that someone, who is the Lord Jesus Christ.

Assensus. Assensus is our conviction that the content of our faith is true. You can know about the Christian faith and yet believe that it is not true. Genuine faith says that the content — the notitia taught by Holy Scripture — is true.

Fiducia. Fiducia refers to personal trust and reliance. Knowing and believing the content of the Christian faith is not enough, for even demons can do that (James 2:19). Faith is only effectual if, knowing about and assenting to the claims of Jesus, one personally trusts in Him alone for salvation.

Coram Deo

Do you know the Lord Jesus Christ? Do you know about the sinless life He led and the work He did on the cross? Do you believe that He is who He says He is and does what He says He does? Have you trusted in Him alone to save you from the wrath of God? Take some time to ask yourselves these questions today. If you have never believed in Christ, believe today. If you have been a Christian for some time, ask God to increase your faith in our all-sufficient Savior.

Repentance

Repentance is not a condition that we must meet suffic

Revelation

Revelation

4 Views of on how to interpret the book:

Futurist

    - Most popular view with many coming from a sub-view know as 

         Dispensationalism.  John Darby developed the Dispensational view in 1830 and it 

         was carried forward by C.I. Scofield.

    - Most literal view of Revelation

    - Views most of Revelation prophesies on finding fulfillment during a 7-year tribulation

    - Interprets the 1000-year reign of Christ as a literal time prior to the final judgement.

    - Antichrist / beast will rise to power and make a covenant(peace) with Israel including 

        the plan to rebuild the temple.

     - In this view the rapture could occur before, during or after the 7-year tribulation

    - They see these prophecies as so severe that they must only describe the end of the world.

        Revelation 16:20 Every island fled away and the mountains could not be found.

RC - The book of Revelation is a blueprint for a series of events that will precede the future return of Jesus. The events in the book have not yet taken place (from chapter 6 to the end)

Preterist

    - Almost all are "Partial Preterists" recognizing that most of Revelation concerns the events of the

        Jewish and Roman war of 3 1/2 years (A.D. 66 - A.D. 70)

            They note that the Greek word "Ge" can be translated "Earth or "Land" and more frequently     

            be "Land" in Revelation.

    - Luke 21:20 But when you see Jerusalem surrounded by armies, then know that the 

       desolation is near.       

    - Revelation 1:1a, 3b 1 The Revelation of Jesus Christ which God gave Him to show to His bond-                   servants, the things which must soon take place.  3. Blessed is he who reads and those who 

        hear the words of the prophecy, and heed the things which are written in it; for the time is near.

        Revelation 22:6 And he said to me, "These words are trustworthy and true.  And the Lord, the God            of the spirits of the prophets, has sent his angel to show his servants what must soon take place.

        Daniel 8:26 "And the vision of the evenings and mornings which was told is true; Therefore 

         seal up the vision. for it refers to many days in the future.

         Revelation 22:10 He also said to me, "Don't seal the prophetic words of this book, because the                 time is near.

    - Some recognize the Preterist view being developed in the 16th century.

    - Using Hebrew numerology, Nero Caesar(as seen as the beast) in Hebrew and Aramaic - adds up to

       666.

    - Some see 1000 years as symbolic of Christ's church expanding His kingdom while others see

        Christianity nearly taking over the earth to bring an extended time of peace.

    - Rapture of the church and Jesus' return occurs at the same time.

RC - Interprets the book of Revelation as being already fulfilled in the past

Interprets the events close at hand around the 1st century.

Most chiefly the destruction of Jerusalem in 70 and with dispersion of the Jews to all the earth

Historicists

     - Developed and held by most of the reformers including Martin Luther and John Calvin. 

    - Interprets Revelation as predicting the church's history from 1st Century to the end.

         For example seeing Revelation 9(the locust horde) as dawning the rise of Islam and 

             the chapter continuing with the Muslim conquests (7th to 8th centuries A.D.)

    - They see the beast /antichrist as the position of the papacy allied with the state: Latin Vicarius 

        Fillii Dei when reduced to the Roman numerology adds up to 666.

    - 1260 days of tribulation represents 1260 years of papal authority from the 6th through 19th 

        century.

    - Seventh Day Adventists represent the majority to still hold the view and see that the mark of the

       beast is when Christians are forced to worship on Sunday rather than Saturday.

    - Interpret a literal 1000 year reign before final judgement. 

RC - The book of Revelation starts in the 1st century with the local churches that have been established from chapter 6 to the end of the book and we see a pattern of a description of events that take place at various period throughout history. You have a schematic approach to the whole of church history

Idealist

    - This views Revelation as using symbolism to reflect the experience of the church from the 1st

        to the new creation

    - Views majority of prophecies as being symbolic and not literal fulfillments.

    - Some Idealists see revelation as representing wars and injustice in general while

        others see it depicting cyclical aspects of church history such as the beast/antichrist being 

        represented  first in Nero, again and again with Hitler being the recent example. 

    - Interpret 1000 years as being symbolic as Christ expands His church while reigning in heaven or as 

        Christianity taking over most of the earth leading to the 1000 years of peace.

    - They still recognize the literal letters to the 1st century churches, a literal return of Christ, 

        final judgement and new creation coming.

RC- The book is symbolic and talks about periods and conflicts and resolution that take place all the time.  The book is not designed to to give us a chronology of specific events that will take place at specific times but rather to communicate the fundamental message of the triumph of the Gospel and Christ's kingdom in the time of conflict and resolution.   

    -    

the seven trumpets

1 Hail and fire with blood

        Tribulations of the Roman empire

                100-313

                1/3 vegetation destroyed

2 Mountain into the sea

        Barbarians overcome Rome

                313-476

                1/3 ocean destroyed

3 Star fall from heaven

        The Church yeilds to compromise

                313-538

                1/3 water destroyed

4 Heavenly bodies darkened

        The Church plunges into apostasy

                538-1798

                1/3 luminaries darkened

5 Locusts from the bottomless pit

          For 150- years, the apostate Church loses it's power and influence

                1798-1948

                Demon's released

6 Angels of destruction

            The apostate Church is attacked by the spiritually wandering nations.

                 1948-end

                  1/3 humanity destroyed

7 Inauguration of the kingdom of God

             Seven bowls are poured out, the nations are destroyed by Jesu's return

                    Return of Jesus

                    Legal transfer announced

Seals / Trumpets

1 Victorious Church / - No apostacy, no trumpet

2  Great persecutions / 1&2 Earth in fire, sea in blood

3 Spiritual famine / 3 Water's poisoned

4 Generalized Apostasy / 4 Heavenly bodies darkened

5 God's martyrs require justice / 5 The locusts attack the oppressor of God's people

6 Distress of nations and wrath of the Lamb / 

        6&7 Spiritually wandering nations and wrath of God

7 Silence in Heaven / - No apostacy, no trumpet

Retirement Notes

Why do I want to retire now?  Main reason is my health, Not sure how much time I have left.

Timeline

    2022  November 01-06  (Done)

        Enroll in Medicare Part A & B

        Withdraw 20,000 (16,,000 after taxes) from annuity

    2022 November - Dental and Vision for Both of us (Done)

    2023 June 06 

        Apply for Social Security

Apply Social Security - January 2023

Apply for ACA - Donna November

Pre-plan after retirement

    Lolo - replace Century Link

    Lolo - Wells - POA

    Get Honda fixed

    Get roof fixed

    Air conditioner check up

    Lolo - fix plumbing

    Lolo - clean patio

    Finish coffee table Steph/Sarah

    

    

            

What's the plan for retirement?

Pay off the house with IRA. 

    Current balance $109,000

    Will be taxed as ordinary income

    Hopefully use extra money 

        Air conditioner/hvac 

        New roof

Fixed income annuity - add an income rider, lifetime income riders LIFO

Took out 10% of annuity (16000 after taxes)

    

Add term life insurance  (too expensive)

Voya 401k

    $5000 

        add to new roof

        car maintenance / new tires?

        mini vacation

  

What will I do?

    Buy and install new cooler (or fix old one)

    Wood projects

     Resurface both all bathroom counters

    Paint the inside of house

    Maybe resurface the kitchen cabinets

     Maybe resurface the kitchen counters

    Backsplash

    More time for church stuff

    Support Donna while she works

        All cleaning, laundry, cooking

    Spend more time with Lolo

        Clean his house

    Take woodworking classes

    Babysit when needed

    Remove Pool heater (need dumpster)

    Play WoW

Social Security

    How much per month - as of now it's $2448 month

                                     +8.7%

64.11 = 2494

65 = 2510

65.6 =2610 

65.8 =2641

66 = 2703

66.6 = 100 = 2804

Option A:

    Use IRA to age 70, then draw SS

            If cola is lower 3%, this loses

            If you live past 84, this wins

Option B:

    Draw SS at 62, use 401k to supplement

            If interest is higher then 5% then this wins

            If you live less than 84 this wins

Medical Insurance

    ~$400 monthly 

        Med Supplement looks good

        Donna will get insurance from Lowes (no)

        We will get ACA medical insurance around 350/month

        Will add me on dental and vision

   

Donna

    Lowes

       ??full time

    Home insurance  $1400 yearly

    Property Tax    $1100 yearly

    Car insurance

    

Medicare

Enroll 

    ssa.gov/medicare    

        create ssa account (if you don't already have one)

        It will ask you to also apply for Med Part B

        Enroll 1st week of November for both Part A and B

        If you enroll in November, coverage starts when 

            you turn 65.

        If you enroll when your 65, you're cover starts the following

            month

    Med Part A - Hospital coverage, skilled nursing care, 

            hospice, home health care

        No premium

        $1408 Deductible per plan period (every 60 days)

         After deductible, Part A covers 1st 60 days, 61- 90 days $352/ day co-insurance amount    

        Part A covers 1st 20 days in skilled nursing facility, 21 -100 days $176/day

        Note - some Medigap insurance cover the above deductibles at 100%

         Limits on coverage

     Med Part B - Medical Coverage

        Doctor, Outpatient, Urgent Care, Ambulance, Durable Medical Equipment, Preventative care,

            Many non-self administered medications

        $148 monthly

        $198 deductible / year

            then 20%  there's no cap on charges       

        You have 3 months before and 3 months after birthday to enroll

        You have 8 months after you leave employment to enroll in Part B

        General enrollment period Jan 1st- Mar 31st, but coverage won't start until July 1st

        

    Med Part D - Prescription Drug

        $34 monthly

        SilverScriptRx

             $435 Deductible

            But $0 Deductible for generic Tier 1 drugs

            Brand name or Tier 3 or higher drugs will pay full price until deductible

        Donut Hole

                If you reach $4020 threshold, then you have to pay $25 percent of retail price

                    if drug = $400, then you will pay $100

        Catastrophic phase

                If you reach $6350, then you pay only 5% or $3 for Tier 1 drugs.

    

    Medigap supplement Policy 

        Travel abroad - pay 20% of emergency care abroad

        $200 monthly

    

        No dental, vision, hearing

                                            Total $368 monthly

    Medicare Advantage

        Covers A - B - C - D

        $170 monthly

        But no out of country coverage

        Only 1 teeth cleaning / year

    

Part B - Regular Medical coverage

    Part D - Prescription Drug

    Part C - All of the above - Medicare Advantage

                                             Total $ 170 monthly

If preexisting condition then sign up promptly.

    

Medical Supplement Plans - MediGap

        Med Part A & B (sometimes add Part D)

        No doctor networks, can go anywhere

        You won't be hit with a really huge bill

            Will cover almost all of out of pocket costs

        Has a monthly premium on top of Part B that you're already paying

        $80 - 150 monthly depending on area

        Doesn't include vision or dental or hearing

Medical Advantage Plans Part C

        Dental, Vision, Prescription Drugs

        Private Insurance carriers

        Covers all services by Med A & B

        Also covers Part D (prescription)

        Managed care plan - HMO/PPO don't bill Medicare, they bill the insurance co.

        You still have to pay the Part B premium

        Can be inexpensive

        All in one plan.

        You can only use provider doctors, may be limited

        Has Out-of-pocket cap $ 750 /year

        May need authorization for medical procedures

        Enrollment period - every fall

Medicare Part G (supplement - google a chart with Part G)

        Med A coinsurance & hospital costs

        Med B coinsurance

        Blood (first 3 pints)

        Part A hospice care coinsurance or copayment

        Skilled nursing facility care coinsurance

        Med A deductible

        Med B excess charge

        Foreign travel emergency first 60 days pays 80%

        Med B deductible must be payed first - $203/year

        Cost $100 - 150 monthly and are subject to rate increases

 

Medicare Part N (supplement)

        Med A coinsurance & hospital costs

        Med B coinsurance & copayment

        Blood (first 3 pints)

         Part A hospice care coinsurance or copayment

        Skilled nursing facility care coinsurance

        Med A deductible

        Foreign Travel Emergency (up to plan limits)

        Have to pay Med B copay after meeting deductible ($20 office / $50 emergency room)

        Doesn't cover Med B excess charges

Aetna - Dental Savings + Rx

        15% -- 50% - dental services general dentistry, root canals, crowns, etc

        10$ - 40% - generic or brand name prescription drugs like Rite-Aid

        Save eyeglasses, sunglasses, contact lenses

        Save 40% on hearing aids, hearing services

        $ 159 / year

Nevada Medigap Plan G

    Aetna  

    Avg cost $140.91                  1690.92/yr         Deductible amount 233

      High deducti $52.76            624.00/yr       Deductible amount 2490

                                                 < 1066  >  * 5 YEARS =  5330

 

ABT Insurance

Wednesday 09/14/22  6 am

Questions

How much Part G in Nevada

    Low deductible

    High deductible

     

Is Part N viable you'll be responsible for excess charges

        also have copay for Drs or ER

What's the difference between Part G and Part N

    Guaranteed issue right plan (will have to go through medical underwriting if 

                you miss the Plan B enrollment period. within 6 months of Plan B enrollment)

How much Part B in Nevada

How much to add Part D

    get a plan that has all your medication

Can I add vision and hearing at any time, not just on enrollment period.

Best to have best company with modest raises of premiums

    How about Aetna?

For example

    I have to have a stress test in the summer. I'm assuming medigap is better.

How do I enroll / when

Is there a medicare supplement card.  Do I show both Medicare card and supplement card.

How do agents make their money

I have included rates below for two of the most popular Medigap Plans, Plan G and Plan N.

As you know, Medicare Supplement Plans are always exactly the same no matter which insurance company you buy from. However, pricing can vary from one company to another. You want to be sure you're choosing a company with a good price, financial stability, and an overall good rate increase history as well. 

Here are some of the top companies I would recommend:

Plan G

(Only out of pocket expense is the annual Part B deductible of $233)

$141.83/mo, Accendo (A CVS Co. & Aetna Affiliate)
$143.91/mo, Mutual of Omaha 
$151.52/mo, Aetna

Plan N

(Out of pocket expenses are the annual Part B deductible of $233 followed by $20 copays at dr/specialist; $50 - ER, waived if admitted)

$95.70/mo,  Accendo (A CVS Co. & Aetna Affiliate)
$99.59/mo,  Mutual of Omaha 
$114.20/mo, Aetna

--------------------------

Based on your 3 medications, I would recommend the SilverScript Smart Rx Plan at $7.30/mo. Each of your meds is a $1 copay at CVS. Your next best option is the Wellcare Value Script Plan at $12.00/mo and all meds are $0 copays. The monthly premiums for each of these plans will most likely change in January of 2023. 

!=========================

Jake called 10/31/2022 Set up Medicare part N

On December 1st will be charged 95.70 (premium) + 25 one time charge by Aetna

The automatic withdrawal will be Jan 15th (or the15th of every month).

Medicare part B premium will be billed via mail.  It will be billed quarterly (164.90/month).

494.70 every quarter.

Prescription-Silver Script Well Care plan 11.10 per month but 0 co-pays.