Greater Depression

Stormin’

• https://www.lewrockwell.com/2025/10/doug-casey/the-single-wisest-thing-you-can-do-with-your-money/
• https://www.lewrockwell.com/2025/10/doug-casey/the-single-wisest-thing-you-can-do-with-your-money-2/
  • It’s more important to liquidate counterproductive attitudes, approaches, and methods of dealing with problems. The results that someone gets in life are an indication of how sound his approach toward life is. A sound philosophy of life gives good results. People with chaotic, unproductive, unhappy lives usually don’t have anyone to blame but themselves. They rarely have a strategy for living and thus have no foundation on which to build a strategy for investing.
  • One of the important things about the Greater Depression is that it will give you a chance to put your philosophy of life to the test.
  • Tilt the odds in your favor by developing pro-survival attitudes, and the law of large numbers will take care of the rest.
• https://ancestors.familysearch.org/en/LZ54-H7C/isaac-benjamin-lamm-1900-1952

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Here’s a quick, Tampa-specific look at Dual-Eligible Special Needs Plans (D-SNPs) in ZIP 33629 (Hillsborough Co.) from UnitedHealthcare (UHC) and Humana. These plans are for people who have both Medicare and Medicaid and typically add extra benefits on top of Original Medicare.

Exact amounts can vary by the specific plan ID and your Medicaid level, but these are the current, published extras for plans offered in Florida that show Hillsborough availability. (Always confirm your exact ZIP and Medicaid category at enrollment.)

UnitedHealthcare (UHC) — D-SNP options in FL

UHC Dual Complete FL-D002 (HMO-POS D-SNP)

• Plan type: HMO-POS D-SNP
• Typical extras:
  
  • Monthly flex credit: $264/month that can be used for OTC items, healthy food, and utility bills. (UnitedHealthcare)
  • Dental allowance: Up to $3,500 (routine/expanded dental). (UnitedHealthcare)
  • $0 Rx for covered Part D drugs (with dual eligibility). (UnitedHealthcare)
  • Transportation, routine vision & hearing included; coordinates with Florida Medicaid. (uhcprovider.com)

UHC Dual Complete “One” FL-Y001 (HMO-POS D-SNP)

• Plan type: HMO-POS D-SNP
• Typical extras:
  
  • Monthly flex credit: $418/month for OTC/food/utilities (single combined wallet). (UnitedHealthcare)
  • $0 Rx for covered Part D drugs (dual eligible). (UnitedHealthcare)

UHC Dual Complete FL-D003 (PPO D-SNP) (in some FL counties)

• Plan type: PPO D-SNP (broader network option where available)
• Extras: Similar D-SNP extras; check your exact ZIP for the flex amount and dental. (UnitedHealthcare)

Where to verify availability for 33629 and view your specific copays and networks: UHC’s Florida D-SNP page lets you plug in your ZIP and see which of the above plans (D002, D003, etc.) are offered in Hillsborough along with their benefit amounts. (UnitedHealthcare)

Humana — D-SNP options in FL

Humana Gold Plus SNP-DE (HMO D-SNP) — example: H1036-314 (Hillsborough-area plan ID)

• Plan type: HMO D-SNP
• Typical extras:
  
  • Humana Healthy Options Allowance™: $225/month on a prepaid card for OTC, groceries/healthy foods, and eligible utilities/phone/rent (allowance amount varies by plan; this plan’s Summary of Benefits lists $225). (Medicare Advantage)
  • $0 Rx for many covered prescriptions with dual eligibility. (Humana)
  • Dental, vision, hearing benefits; allowance specifics appear in each plan’s SB/EOC. (Humana)

HumanaChoice Florida SNP-DE (PPO D-SNP) — example: H5216-394 (Central/North FL; may appear in plan finder by ZIP)

• Plan type: PPO D-SNP
• Typical extras:
  
  • Healthy Options Allowance: $200/month (as listed in the 2025 EOC for this PPO D-SNP; amounts vary by plan). (Medicare Advantage)
  • Similar D-SNP extras (dental/vision/hearing, transportation, fitness) per plan materials. (Humana)

Where to verify availability for 33629 and your exact amounts: Humana’s D-SNP pages and plan PDFs list the monthly Healthy Options dollar value, dental allowances, and transportation details for the specific plan ID that serves your ZIP. (Humana)

Side-by-side — the big extras you asked about

• OTC / Healthy Food / Utilities “Flex”
  
  • UHC: commonly $264/mo (FL-D002) and $418/mo (FL-Y001) in Florida, depending on the plan; amount is a single wallet usable on OTC, food, and utilities. (UnitedHealthcare)
  • Humana: $200–$225/mo shown in current Florida D-SNP materials; loaded to a Humana Spending Account Card; eligible categories include OTC, groceries/healthy foods, utilities, phone, and sometimes rent; many plans allow rollover month-to-month within the plan year. (Medicare Advantage)
• Dental
  
  • UHC: examples show up to $3,500 dental allowance on FL-D002 (routine + comprehensive). (UnitedHealthcare)
  • Humana: dental included; specific allowances/procedures vary by plan and county (see plan SB/EOC). (provider.humana.com)
• Vision/Hearing
  
  • Both carriers include routine eye exams, eyewear allowances, and hearing aids on their D-SNPs; check the plan’s SB for dollar caps and frequency. (uhcprovider.com)
• Transportation
  
  • Both carriers include non-emergency medical transportation (number of one-way rides varies by plan). (uhcprovider.com)
• $0 Rx (Part D)
  
  • D-SNPs typically feature $0 copays on covered drugs for full duals (LIS/Extra Help); confirm formularies. (UnitedHealthcare)

What to do next (so you get the right one for 33629)

1. Check exact availability by ZIP & Medicaid level (FBDE/QMB/SLMB etc.), since benefit amounts can change with eligibility:
   • UHC Florida D-SNP finder (enter 33629) to see FL-D002 / FL-Y001 / FL-D003 availability and the exact flex and dental amounts for Hillsborough. (UnitedHealthcare)
   • Humana D-SNP pages and the H1036 plan PDFs for Hillsborough to confirm your Healthy Options amount and dental details. (Medicare.org)
2. Confirm networks (your doctors and hospitals) and transportation vendor for your address. (UnitedHealthcare)
3. Compare your priorities:
   
   • Want the largest flex wallet for food/OTC/utilities? Look at UHC FL-Y001 ($418/mo) vs Humana plan amounts ($200–$225/mo on the examples above). (UnitedHealthcare)
   • Need bigger dental? UHC FL-D002’s $3,500 is among the higher published amounts; compare to the specific Humana plan for 33629. (UnitedHealthcare)

If you want, tell me your must-have doctors, prescriptions, and whether you’re full or partial Medicaid, and I’ll map which exact plan IDs in 33629 match you best (including copays, ride counts, dental codes covered, and formulary hits).

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