Retirement Healthcare and Medicare

Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options

Found 292 Articles.
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How Much Does Long-Term Care Insurance Cost?

August 31, 2020

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?

August 31, 2020

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, […]

Does Medicare Cover Long-Term Care?

August 31, 2020

Medicare is the primary medical insurance for most Americans ages 65 and over. But does Medicare cover the expensive costs of long-term care? The possibility of needing long-term care, and having to pay for that care, is one of the great fears of older Americans. Understanding exactly which long-term care costs Medicare will cover, and […]

The Retirement Watch Family Caregiver Planning Guide

June 9, 2020

Family caregiver planning has some simple rules… And some not-so-simple rules. For starters, any caregiver agreements involving family members should be in writing. That is, unless the person providing the care is being altruistic (being a friend), and expects nothing in return now or in the future. Often when one family member provides care for […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

10 Medicare Questions Every Retiree and Pre-Retiree Should Know How to Answer

October 11, 2019

Currently, the greatest fear of most retirement-age Americans is how to pay their retirement medical expenses. This is not surprising. We are bombarded with estimates that people need to save $300,000 just to pay their medical fees after they retire. It also isn’t hard to find stories of retirees filing for bankruptcy primarily because of […]

Cut Your Prescription Medicine Out-of-Pocket Costs

September 25, 2019

Prescription drugs are the largest medical expense of most retirees, and their cost usually increases faster than inflation. Yet, many seniors know little about how to reduce their out-of-pocket medicine costs, and important changes are coming to Medicare in 2020. Original Medicare doesn’t cover most prescription drugs. You must take out a Part D Prescription […]

How to Slash Your Out-of-Pocket Retirement Medical Costs

September 24, 2019

Covering the gaps in original Medicare coverage is critical to maintaining your financial security in retirement, and there are some important changes coming in 2020.Many medical expenses aren’t covered by original Medicare, as I’ve discussed in the past, including the September 2019 issue. When you choose original Medicare instead of a Medicare Advantage plan, decide […]

Original Medicare vs. Medicare Advantage: Which is Right For You?

September 17, 2019

One of the most controversial aspects of Medicare is the ability to choose between original Medicare and Medicare Advantage. Some of the controversy is ideological, because some people are philosophically inclined to either favor or oppose Advantage plans. But much of the controversy exists because the right choice depends a lot on individual circumstances and […]

October 2020:

Congress Comes for your Retirement Money

A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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