Retirement Healthcare and Medicare
Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
Found 299 Articles.
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Today’s Long Term Care (LTC) Crisis Has a Solution [Our 2021 Strategy]
It’s estimated that more than 72% of older Americans (65 and over) will require long-term care (LTC). And there’s a 91% chance that, if you are married and over age 65, one of you will experience a long-term care event. What’s more, the average lifetime cost of their long-term care will range between $250,000 and […]
Stop Spending Too Much on Prescription Drugs: Part 2
In last week’s issue of Retirement Watch Weekly, I presented part 1 of Stop Spending Too Much on Prescription Drugs. Let’s recap where we left off. The majority of policies have a tier system, usually consisting of at least three tiers. Your coverage and out-of-pocket costs vary based on a drug’s tier. For the most […]
Retirement Savings Tip: Stop Spending Too Much on Prescription Drugs!
In last week’s issue of Retirement Watch Weekly, I presented What You Need to Know About the Prescription Coverage Gap. We’ll continue on that track this week, with the best ways to save money on your prescription drugs. Prescription drugs are a major spending item for many retirees, and the cost of prescription drugs is […]
What You Need to Know About the Prescription Coverage Gap
It’s something Medicare beneficiaries often have trouble understanding. I’m talking about the prescription drug coverage gap, also known as the “doughnut hole” or “donut hole.” The coverage gap was part of the original Part D prescription drug program, but it has been changed several times since its inception in the 2000s. There were additional changes […]
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Alternatives to Buying Traditional Long-Term Care Insurance
Long-term care (LTC) is expensive, but the cost of traditional long-term care insurance (LTCI) has increased at an even faster rate in the last few decades. Traditional LTCI became less attractive following the financial crisis. Insurers found they were paying more in claims than they had estimated and were receiving less income on […]
What is a Long-Term Care Facility?
A long-term care facility is any place long-term care (LTC) is provided, and LTC can be provided in a number of different locations depending on the extent of care that is needed. Long-term care consists of a range of services and systems that help meet medical and personal needs of people who have […]
How Much Does Long-Term Care Insurance Cost?
Long-term care is a system of personal services and medical care provided to someone who is cognitively impaired or can’t perform two or more of the six activities of daily living (ADLs). The ADLs are dressing, bathing, eating, walking, toileting, and transferring (such as moving from a bed to a chair without help). Despite the […]
Is Long-Term Care Insurance Worth It?
As an individual ages, a decision must be made about whether or not to buy long-term care insurance (LTCI). Long-term care is the provision of personal services and medical care to someone who is cognitively impaired or can’t perform two or more of the six activities of daily living (ADLs). The ADLs are dressing, bathing, […]
