Every fall in Cape Coral, I see the similar ripple of questions as pals compare notes at farmers markets and HOA conferences. Someone retired in June and wonders in the event that they neglected the best possible time to sign up for Medicare. Someone else continues to be consulting half time and wants to prolong Part B. A couple on the water is weighing a Medicare Advantage plan with dental in opposition to a Medigap coverage that allows them to see their long-time specialist in Fort Myers. The distinctions among enrolling even as you might be totally retired versus still working are factual, and the details in Florida can really feel slippery whenever you only pay attention fragments from buddies.
If you prefer a grounded method, start out along with your personal timeline and company insurance plan repute, then layer in Cape Coral plan concepts, prescription bills, and healthcare professional networks. You usually are not locked right into a single path, yet there are time cut-off dates that bring lifelong penalties and native possibilities which may save you lots of a year.
What Medicare is called in Florida, and what it covers
Medicare is federal, so it really is known as Medicare in Florida. It will not be controlled via the kingdom the way a few persons imagine. The Florida Agency for Health Care Administration and the regional SHINE program present counseling, but the plan benefits and regulations for Parts A, B, C, and D are federal. Medicaid is the country-run program for confined source of revenue and substances. When laborers ask approximately Medicare and Medicaid in Cape Coral, they usally imply “twin eligibility,” that is should you qualify for either.
Original Medicare has two portions you follow for via Social Security. Part A covers inpatient medical institution, restrained educated nursing facility care after a qualifying clinic keep, domicile wellbeing and fitness, and hospice. Most individuals pay no top rate for Part A by reason of paintings heritage. Part B covers medically crucial outpatient products and services, physician visits, imaging, surgeries, preventive care, and durable clinical methods. Part B has a per thirty days top class which could regulate based mostly on profits.
You can get Medicare Enrollment Help Cape Coral Florida drug coverage by way of a standalone Part D plan when you live with Original Medicare, or that you could package medical institution, clinical, and usually drug coverage right into a Medicare Advantage plan, also known as Part C. Advantage plans are run by way of non-public insurers lower than contract with Medicare and come with a described community and laws for referrals or prior authorization. Many Advantage plans in Lee County upload extras like dental, vision, hearing, and health club memberships.
The retirement clock versus the operating clock
You have two various clocks: the retirement clock and the running clock. They outline whenever you needs to act, what penalties you chance, and whether you could delay materials of Medicare.
If you retire close to sixty five and do now not have creditable employer coverage from lively employment, your Initial Enrollment Period is the anchor. That seven-month window starts off 3 months sooner than your sixty fifth birthday month, contains your birthday month, and runs 3 months after. Sign up for Part A and Part B for the period of this window whenever you do no longer have business enterprise assurance thru your personal contemporary activity or a partner’s modern-day activity.
If you hinder working past sixty five with business enterprise insurance plan from a manufacturer that has 20 or extra workers, possible in the main prolong Part B without penalty. Part A is broadly speaking unfastened and grants secondary assurance in sanatorium settings, so many workers enroll in Part A however hang off on Part B. When you or your wife retires or loses company policy cover, a Special Enrollment Period opens. You get 8 months to join Part B devoid of the past due enrollment penalty, and two months to enroll in Part D or a Medicare Advantage plan devoid of penalty.
The most commonly used mistake I see in Cape Coral is mistaking COBRA or retiree policy for active company insurance plan. Those do not depend as creditable policy for delaying Part B. If you rely upon COBRA and don’t enroll in Part B within 8 months of your employment ending, you can be stuck looking forward to the General Enrollment Period in January to March, with protection beginning July 1, and chances are you'll owe a life-time Part B penalty.
When to apply for Medicare in Florida
There isn't any Florida-in simple terms calendar. The national Medicare enrollment home windows practice here as they do in other places.
The handiest time to enroll relies upon in your reputation:
- If you might be retiring at sixty five and dropping supplier future health assurance, join in Part A and Part B in the time of the Initial Enrollment Period. Starting your program three months earlier than your birthday month avoids gaps. If you're still working at sixty five with employer policy cover from a enterprise with 20 or extra workers, sign up in free Part A while you usually are not contributing to a Health Savings Account. If you might be contributing to an HSA, lengthen Part A and Part B to avert your tax reward. Then use your Special Enrollment Period if you happen to stop running or lose the company plan. If you miss both home windows, you'll use the General Enrollment Period from January 1 to March 31. Coverage starts the 1st of the month once you join, and consequences may just apply.
The premiere time to enroll in Medicare Advantage or Part D drug policy cover is for the period of your Initial Enrollment Period when you are commencing Medicare at sixty five, or all the Medicare Supplement Plans Cape Coral way through the 2-month window after wasting agency drug insurance plan. You may also exchange plans at some point of the yearly Medicare Open Enrollment duration, which locals call Medicare Open Enrollment Cape Coral or Medicare Open Enrollment Cape Coral FL. That runs from October 15 by using December 7. Changes for the period of that window take effect January 1.
How do I check in for Medicare when I turn 65
If you're already receiving Social Security or Railroad Retirement reward no less than four months earlier than you turn 65, you're in most cases enrolled in Parts A and B immediately. Your Medicare card arrives within the mail, and rates are deducted out of your Social Security test.
If you should not receiving Social Security yet, you need to sign on. You can observe online at ssa.gov, which is the best possibility. That is essentially your Medicare enrollment Cape Coral online route, considering that Medicare enrollment flows by using Social Security. You might also name Social Security on the nationwide number 800-772-1213, or contact the Fort Myers Social Security administrative center that serves Cape Coral. Appointments guide in busy months like October and November. People occasionally ask for a Medicare enrollment Cape Coral range. For Medicare-targeted questions, possible call 800-MEDICARE (800-633-4227), however to enroll in Parts A and B, Social Security is your enrollment gateway.
For people that decide on in-man or women lend a hand, commence with the SHINE program, Florida’s free, unbiased counseling line: 800-963-5337, then ask for SHINE. For plan comparisons or a Medicare Quote Cape Coral, autonomous Medicare brokers in Cape Coral can train you merits and provider lists throughout varied insurers. Choose human being who represents a few groups, now not just one. If you need a Medicare Consultation Cape Coral that consists of drug prognosis, deliver your healing listing and doses.
Documentation required for Medicare in the United States
The utility shouldn't be forms heavy, but accuracy concerns. Have your Social Security range, evidence of age, and citizenship or lawful residency documentation in a position. For maximum, a U.S. start certificate or passport covers both id and citizenship. Naturalized voters use a certificates of naturalization plus picture ID. Immigrants with five years of steady lawful presence can qualify and want to offer their immigration paperwork.
If you might be enrolling using a Special Enrollment Period after leaving business enterprise protection, predict to complete model CMS-L564, which is the Request for Employment Information, inclusive of style CMS-40B to use for Part B. The organization fills out component to the L564 to make certain months of protection. If HR is gradual, you could carry pay stubs and your plan ID card, however Medicare prefers the accomplished style.
Many americans ask “What documentation is required for Medicare?” and the answer is fairly quick. Identity, age, citizenship or lawful presence, and evidence of previous organisation protection in case you are making use of a Special Enrollment Period. Everything else, like banking info for top class funds and your selected mailing deal with, is simply logistics. If you prefer computerized deductions, have your routing and account numbers at hand.
Is Medicare loose in Florida for seniors
Part A is broadly speaking top rate-unfastened for other folks with as a minimum 10 years, or 40 quarters, of work background, or for spouses of somebody who meets that threshold. Part B has a per 30 days premium. In 2025, such a lot americans pay a typical Part B top class inside the ballpark of two hundred funds consistent with month. The detailed discern adjusts every year, and top-profits beneficiaries pay greater less than IRMAA. Drug plans and Medicare Advantage plans would have added rates, copays, and deductibles. There are Advantage plans in Lee County with zero-buck charges, but 0 premium will not be zero payment. Look at copays, specialist visits, imaging expenses, and out-of-pocket maximums.
People with restrained source of revenue and assets can get assistance. The Medicare Savings Programs would possibly pay your Part B premium, and Extra Help can curb your drug bills. If your salary and elements are very limited, you possibly can qualify for Medicaid as neatly, which sets up Medicare and Medicaid Cape Coral dual eligibility. Dual-eligible residents can enroll in specialised twin-eligible Medicare Advantage plans that coordinate benefits and decrease settlement sharing.
What is the sales limit for Medicare in Florida
Medicare eligibility isn't revenue-founded, however your cash influences premiums and your eligibility for help.
Two sales thresholds rely:
- IRMAA: If your transformed adjusted gross income from two years ago exceeds positive thresholds, you pay an profits-relevant per month adjustment on suitable of your Part B and Part D premiums. The brackets switch every year. For a frame of reference, singles with earnings above roughly 103,000 cash and couples above kind of 206,000 dollars beginning paying IRMAA in 2025. The surcharge scales up in several tiers. If you retired just lately and your revenue dropped, one could charm IRMAA utilising kind SSA-forty four, reporting a existence-changing adventure resembling work reduction or cessation. Medicare Savings Programs and Extra Help: These classes do have cash and asset limits, and the bounds modification once a year. If your per thirty days salary sits near or less than the low two-thousands for a single man or women, you could qualify for at the very least partial guide with the Part B premium and decrease drug fees. The SHINE counselors can verify this for you briskly.
Working beyond 65 in Cape Coral: avoid or drop enterprise coverage
Southwest Florida has a whole lot of residents who keep a toe in the work force. The rule of thumb hinges on corporation dimension and your HSA status.
If your organization has 20 or greater staff, that insurance policy is widely used. You can delay Part B and Part D devoid of penalty. Many nevertheless sign up in unfastened Part A for health facility secondary protection. The one exception is whenever you make contributions to a Health Savings Account. You won't be able to fund an HSA even as enrolled in any a part of Medicare. Since Part A retroactively starts offevolved up to six months lower back, prevent HSA contributions no less than six months prior to you enroll in Part A or Part B.
If your business enterprise has fewer than 20 personnel, the corporation plan is sometimes secondary, and Medicare is critical. You should sign up in Part A and Part B at sixty five to hinder being stuck with unpaid claims. Your HR division may not have an understanding of this element, so insist on written confirmation of your plan’s coordination of blessings.
Self-employed experts broadly speaking juggle Marketplace plans and Medicare. Once you turn 65, the Marketplace does not protect you from Medicare consequences. You need to join Part B throughout the time of your Initial Enrollment Period or chance penalties unless you will have creditable coverage from energetic employment. Marketplace coverage is absolutely not viewed creditable for delaying Medicare.
Retired in Cape Coral: Original Medicare with a Supplement or Medicare Advantage
Once you are retired, the selection almost always narrows to Original Medicare plus a Medigap policy and a Part D plan, or a Medicare Advantage plan with prescription insurance plan built in.
Original Medicare with a Medicare Supplement Insurance coverage gives you the broadest get admission to to companies. Most authorities in Lee County be given Medicare. If you break up time among Cape Coral and one more nation, this flexibility supports. The Medigap plan will pay the part of Part A and Part B bills that Medicare leaves to you, based on the letter plan you decide upon. In Florida, the in style standardized preferences contain Plan G and Plan N. Plan G has top premiums however lessen predictable out-of-pocket prices. Plan N has moderately reduce premiums but charges copays for a few visits and does not canopy special extra premiums, which might be uncommon in our facet. With Medigap, you purchase a separate Part D plan for prescriptions. In Lee County, a number of Part D plans sit down within the 20 to 40 money consistent with month selection for reasonable drug wishes, nevertheless the appropriate choice relies upon thoroughly on your specific drugs.
Medicare Advantage in Cape Coral comes with managed care networks, both HMO or PPO. HMOs require staying in community, and PPOs enable some out-of-community use at bigger value. Advantage plans more often than not include extras like dental, imaginative and prescient, listening to, gym memberships like SilverSneakers, and over-the-counter allowances. For many retirees who see regional docs, these plans would be less luxurious month to month. The change-off is network and authorization policies. If you wish to see a specialist on the Mayo Clinic or a snowbird issuer in one more state without referrals or community questions, Original Medicare with a Supplement can even fit you more effective.
If you might be looking for the Best Medicare Plans in Cape Coral, look at extra than the advertising and marketing. Ask for the network checklist and make sure your imperative care healthcare professional and key consultants with the aid of title. Check the clinic affiliations, which include Lee Health or HCA. Pull the plan’s earlier authorization record for well-known approaches it's possible you'll desire. Review the plan’s Part D formulary to your medicinal drugs. For insulin customers and people on GLP-1 capsules, seem to be closely at tiering and wellknown pharmacies. Advantage plan copays for imaging and outpatient surgical procedure could make a massive distinction in case you have an orthopedic method planned this year.
Prescription technique round Cape Coral’s pharmacies
Pharmacy festival in Lee County helps if you plan in advance. Many Medicare Part D and Advantage plans use favored pharmacy networks. CVS, Walgreens, Publix, and Walmart both take turns as appreciated or popular in alternative plans. A 47-greenback per 30 days cholesterol drug may cost 3 dollars whilst filled at a fashionable vicinity with a ninety-day give. If you stay in northwest Cape Coral, pharmacy get right of entry to and site visitors at distinct times of day can nudge your collection, so plug proper addresses into the plan’s pharmacy finder.
For top-fee drugs, ask about mail order. Many plans shrink value-sharing with the aid of their mail companions. If you cut up time up north, assess even if a plan’s pharmacy network travels. Some let national hottest charges at chain pharmacies, which is available when you spend September in Michigan and winter in Cape Coral.
Avoiding lifetime penalties
Three consequences day out up retirees:
- Part B past due enrollment penalty: If you go 12 full months with no Part B in case you may still have it, add 10 p.c. of the normal Part B premium for each full 12-month era, everlasting provided that you retain Part B. Part D late enrollment penalty: If you cross sixty three days or greater devoid of creditable drug assurance, add 1 % of the nationwide base beneficiary top rate for every month you lacked insurance. This could also be everlasting. IRMAA surcharge: Not a penalty, but it feels like one. If your revenue two years again was better attributable to a one-time tournament, charm with SSA-44 after you retire or your profits drops.
To forestall these, mark your calendar sooner than you retire, get the CMS-L564 capable, and payment whether or not your organization protection is creditable for both clinical and drug policy cover.
What is the best Medicare plan
There isn't any single optimal plan in Cape Coral. There is a nice are compatible to your health practitioner record, drug listing, and tour behavior. If you see more than one consultants at Lee Health and choose the curb per 30 days top class of a regional HMO, a Cape Coral Medicare Advantage plan could fit your needs. If you stopover at circle of relatives up north for months at a time and desire the freedom to exploit any Medicare company with out community hurdles, do not forget a Medigap Plan G with an effective Part D plan.
Spend one night time creating your two lists: companies and prescriptions. Then examine 3 nearby selections area via part: a amazing HMO Advantage plan, a PPO Advantage plan, and Original Medicare with Medigap Plan G and your most desirable Part D plan. Keep an eye on general annual cost. A zero-top rate Advantage plan with forty funds professional copays and a 5,500 buck out-of-pocket greatest may cost more in a surgery yr than a Medigap plan with a larger monthly top rate however minimum payment-sharing.
Cape Coral specifics: networks, seasonal dwelling, and typhoon prep
Cape Coral’s issuer panorama is dominated by Lee Health and a handful of autonomous companies. Many Advantage plans build round these networks. If you wish get admission to to specified cardiology or orthopedic practices, make sure inclusion. For seasonal residents, PPO Advantage plans offer a middle flooring, letting you spot snowbird companies out of community with top copays. Original Medicare with a Supplement remains the maximum flexible for interstate use. If you keep a place of abode handle exclusively in Florida and spend most of the 12 months here, nearby HMOs can be very rate positive.
Hurricane season adds a wrinkle. Check how your plan handles early refills when a typhoon ways. Part D and Advantage plans normally lift replenish regulations beneath an emergency announcement. Mail order is usually not on time in a typhoon week, so retailer one month of cushion on persistent meds because of the autumn.
How to touch Medicare in Florida, and native help
For regular questions, call 800-MEDICARE. For enrollment into Parts A and B, Social Security is general: ssa.gov on-line or 800-772-1213 with the aid of phone. If you need to find your neighborhood Medicare place of business in Cape Coral, the verifiable truth is there may be no Medicare place of business as such. Medicare operates nationally. You will use the Fort Myers Social Security administrative center for in-particular person enrollment concerns if necessary. For independent counseling, achieve SHINE by means of the statewide Elder Helpline at 800-963-5337. For plan comparisons and Medicare Enrollment Help Cape Coral Florida, self sufficient agents can meet regionally or truely. Search for Medicare Enrollment Near Me Cape Coral to in finding licensed advisors who cowl assorted vendors.
During the October to December rush, use the Medicare Plan Finder at medicare.gov for a baseline assessment. Then make certain info with a native Medicare Agent Cape Coral FL in case you prefer a walkthrough. Always verify your medical professionals and tablets on the exact plan’s portals earlier you hit join.
Special situations: HSAs, Tricare, and market transitions
If you adore your HSA, time your Medicare delivery conscientiously. Stop HSA contributions six months earlier your Part A strong date to hinder tax matters. Some couples hold the younger companion on the HSA-eligible supplier plan whilst the older wife enrolls in Medicare. That can work, but coordinate drug insurance plan to sidestep Part D consequences.
Tricare for Life pairs good with Medicare. You want each Part A and Part B. Tricare acts as secondary. In this setup you continually do not want a Part D plan. If a plan marketing consultant pushes Part D to a Tricare beneficiary, ask why and ensure that it does not battle.
If you might be on a Marketplace plan and turning sixty five, do no longer look ahead to the Marketplace open enrollment cycle. The Marketplace does no longer look after you from Medicare penalties. Enroll in Medicare during your Initial Enrollment Period and cancel the Marketplace plan to circumvent paying for redundant assurance.
Medicare Advantage Enrollment Cape Coral and switching rules
From January 1 to March 31, the Medicare Advantage Open Enrollment duration we could people already enrolled in a Medicare Advantage plan transfer to some other Advantage plan or drop it and go back to Original Medicare with a Part D plan. This seriously isn't just like the autumn open enrollment window. If you favor to add a Medigap plan after leaving Advantage within the iciness window, Florida has valuable regulations. Florida legislations offers an annual birthday rule for Medigap modifications, enabling some beneficiaries to modify Medigap insurance policies devoid of new underwriting round their birthday. Even so, in case you are shifting from Advantage to Medigap for the first time after your preliminary six-month Medigap window, it is easy to face medical underwriting. If your well-being is steady, underwriting may also be soft, yet it isn't very computerized. Talk to a Medicare Advisor Cape Coral sooner than you put up a swap, particularly in case you have principal ongoing circumstances.
Two tight checklists for Cape Coral residents
Pre-retirement Medicare timeline at sixty four and six months:
- Confirm enterprise size and no matter if policy cover is creditable for clinical and medicinal drugs. If the usage of an HSA, set the discontinue date for contributions at the least six months prior to Medicare. Make provider and prescription lists and run plan comparisons for Cape Coral. If delaying Part B through work, queue up types CMS-40B and CMS-L564 with HR. Schedule a SHINE counseling name or a Medicare Consultation Cape Coral in the event you choose a 2d set of eyes.
First-time enrollment steps at 65 in Cape Coral:
- Apply for Parts A and B at ssa.gov approximately three months earlier than your birthday month. Choose Original Medicare with Medigap plus Part D, or a Medicare Advantage plan. Check docs, hospitals, and pharmacies in opposition t the precise plan ID. If retiring, submit organisation verification in your Special Enrollment Period. Save copies of your functions and plan confirmations, then set autopay.
Costs to border your budget
Expect three layers of quotes: month-to-month charges, copays and coinsurance, and worst-case out-of-pocket ceilings. In Lee County, many Medicare Advantage plans include 0-buck premiums, universal care copays in the zero to ten greenback diversity, professional copays starting from 35 to 60 cash, and maximum out-of-pocket limits among approximately 4,000 and eight,500 cash for in-network care. PPOs sit greater, with no-of-community caps above that. Original Medicare with Plan G sometimes has a higher monthly dedication simply by the Medigap top class, yet your annual unpredictables scale back to the Part B deductible plus small incidentals.
For Part D, the traditional benefit makes use of stages, deductibles that might observe merely to bigger stages, and a policy cover gap which is much less punishing than it was once but nevertheless impacts these on brand-title medications. The designated influence depends in your treatment checklist. If you take minimal prescriptions, a low-premium Part D plan with a restricted network will probably be fantastic. If you operate prime-expense brands, choose a plan with higher tier placement on your exact meds no matter if the per thirty days top rate is larger.
Local nudges that make a difference
Cape Coral’s boom has delivered new clinics and urgent care features. If you want identical-day major care get entry to, seek for plans that partner with staff practices offering prolonged hours. If you significance telehealth, examine the virtual go to copays and blanketed systems. Some Advantage plans contain beneficiant over the counter allowances redeemable at express agents. If you already retailer at one of those merchants, one can in fact use the improvement. If not, it turns into a nice suggestion that gathers mud.
Snowbirds could test journey policy. Advantage HMOs sometimes cover emergencies nationwide, but recurring care out of nation is constrained. PPOs offer greater flexibility, however pay attention-of-community coinsurance. Medigap shines right here, as any Medicare-taking part supplier in some other kingdom can see you.
Finding and evaluating Cape Coral plans quickly
Start with medicare.gov’s Plan Finder. Enter your Medicare Enrollment Agency Cape Coral ZIP code, your medication and doses, and your widespread pharmacies. Note the prime three plans for overall estimated annual payment, not simply premium. Then visit each one plan’s website online to ascertain your medical doctors and hospitals. If you desire guided lend a hand, seek Medicare Expert Cape Coral FL or Medicare Enrollment Agency Cape Coral for local advisors. Ask no matter if they characterize assorted vendors, how they get compensated, and the way they care for submit-enrollment service like billing themes or previous authorizations.
If you choose an self sustaining overview, call SHINE. They do not sell plans, and they may be exact at catching hidden charges like tier exceptions or mail-order quirks.
Common questions from Cape Coral residents
How do I touch Medicare in Florida? Call 800-MEDICARE. For enrollment in Parts A and B, use Social Security: ssa.gov or 800-772-1213. For nearby counseling, name SHINE at 800-963-5337.
How do I uncover my local Medicare place of work? Medicare does not function storefronts. Use the Fort Myers Social Security workplace for in-human being enrollment disorders and regional marketers or SHINE for plan assist.
Is it mandatory to join Medicare at age sixty five? Not strictly, yet when you do not have creditable business enterprise policy cover from energetic employment, you needs to enroll to hinder consequences and insurance policy gaps. If you have qualifying supplier insurance, which you can extend Part B and Part D.
How do I check in for Medicare for the first time? Apply on-line due to Social Security, with the aid of smartphone, or with an appointment at the local administrative center. If you want Medicare Advantage or a Part D plan, enroll thru medicare.gov or without delay with the insurer after your Parts A and B are set.
What is the excellent Medicare plan? The foremost plan is the only that matches your doctors, drugs, and commute conduct. Compare at the very least three alternate options, and run the numbers for a common 12 months and a poor year.
What documentation is required for Medicare? Identity, age, and citizenship or lawful presence paperwork, plus corporation verification kinds whenever you are by using a Special Enrollment Period.
The Cape Coral process: operating as opposed to retired
If you might be nevertheless working for an business enterprise with 20 or greater staff, hold your organization plan if it is ideal, enroll solely in Part A for those who should not with the aid of an HSA, and delay Part B. Set reminders to sign up within eight months of retirement applying the Special Enrollment Period with forms CMS-40B and CMS-L564. Before you retire, price both a strong regional Advantage PPO and a Medigap Plan G plus Part D, then maintain that alternative all set so you can begin insurance policy the first day after supplier insurance coverage ends.
If you might be retired at sixty five, enroll during your Initial Enrollment Period. If you notice distinct professionals and worth freedom, contemplate Original Medicare with a Supplement. If you most commonly use native providers and prefer to shrink charges, focus on a Cape Coral Medicare Advantage plan with right ratings and your docs in community. In either cases, choose a pharmacy strategy that suits your plan’s favored community and your riding patterns across the Cape.
If your earnings is high in your ultimate operating 12 months, predict IRMAA first of all and plan to report an SSA-forty four as soon as your retirement income drops. If money is tight, ask SHINE to reveal you for Medicare Savings Programs and Extra Help. If you're dual eligible, inspect Medicare Dual Eligibility Cape Coral treatments that coordinate the two classes.
Most missteps I see start out with assumptions. People anticipate COBRA protects them, that Marketplace policy postpones Medicare, that a favourite health care professional is “in every part,” or that zero top rate ability 0 charge. A two-hour investment in verification avoids these complications. The superb news is that Cape Coral has enough plan possibilities, available counseling, and a neighborhood of carriers used to Medicare patients. With the appropriate timing and a clear-eyed view of your ordinary care and your worst-case year, you may line up policy cover that suits, even if you're winding down your career or already playing the sunrise over the Caloosahatchee with a fishing pole in hand.