Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
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The latest research doesn’t have anything to do with the types of food you eat. Instead, it focuses on when you eat. One study found you should only eat in a 12-hour period during the day and fast the other 12 hours. The other study recommended fasting for 16 hours one day a week and […]
Medicare now rates many providers with from one to five starts, with five being the highest rating. It rates Medicare Advantage Plans, Part D Prescription Drug plans, nursing homes, and more. The ratings mean more to you than indications of the quality of care. Five-star Medicare Advantage and Part D plans have expanded enrollment periods. […]
The biggest gap in your retirement medical insurance probably is one you hardly think about and that gets little attention. Among the many needs not covered by Medicare is dental care. You also won’t find dental coverage in Medigap (Medicare supplement) policies. Unless problems with your teeth and mouth are related to an accident or […]
Many people elect to take Social Security retirement benefits before age 65. For them, the transition to Medicare is seamless. They are automatically signed up for Medicare Part B. But that’s not the case for everyone else, according to this report from the Medicare Rights Center. Problems signing up for Medicare are more than an […]
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Things have calmed down the last couple of years in long-term care insurance. Back then, insurers were busy substantially increasing premiums on existing policies, and many exited the market. The latest news is that the largest LTC insurer announced a large charge against earnings because it still has problems with LTCI despite premium increases. This […]
Medicare and medical expenses are among the most misunderstood parts of retirement and retirement spending. Many surveys have documented how ill-informed both financial professionals and individuals are on these topics. It’s no wonder that the leading cause of financial difficulties in retirement often is cited as medical expenses that aren’t covered by insurance or Medicare. […]
Here’s an interesting piece explaining how the Affordable Care Act reduces the growth of Medicare spending over time. According to this essay, it’s a straightforward case of rationing. What will this mean? Seniors will be the least (financially) desirable patients as they attempt to find doctors who will see them and institutions that will admit […]
Spending on government medical programs, especially Medicare, has been slowing for several years. It still is growing, but at a slower rate than in the past. But in the last year spending per beneficiary actually decreased. This provokes a lot of discussion about the causes. This piece argues that most of the growth reductions are […]
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