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Retirement Healthcare and Medicare

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

Found 310 Articles.
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Understanding Medicare's Star Ratings

January 7, 2015

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. […]

Filling the Biggest Hole in Your Retirement Health Care

January 1, 2015

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 […]

Medicare Enrollment Too Complicated

November 18, 2014

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 […]

Update on Long-Term Care Insurance

November 7, 2014

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 […]


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Medicare Myths and Mistakes

November 1, 2014

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. […]

More on Medicare and Affordable Health Care

October 29, 2014

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 […]

Why Medicare Spending is Slower

October 28, 2014

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 […]

Choosing a Medicare Supplement Plan

October 1, 2014

The limits of Medicare coverage are a surprise to many retirees. Some learn the lesson during their pre-retirement planning. Others don’t find out until they incur medical expenses in retirement. Medicare covers only about half the medical expenses incurred by retirees, according to studies over the years. The specifics vary for each beneficiary, of course. […]

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