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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 315 Articles.
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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 […]

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 […]


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.

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. […]

Will Your Children be Required to Pay for Your Long-Term Care?

October 1, 2014

Many Americans worry that long-term care expenses will deplete their estates and cause them to run out of money. People also should worry that their children and estates might be required to pay for their long-term care, even after they are gone. That’s the trend in both federal and state law. A 1993 federal law […]

Some Good News on Medicare

September 4, 2014

While Medicare still has long-term funding problems because of the coming baby boom eligibility, there is some good news. The cost the program spends per beneficiary actually has been declining. This article has the details. The article is short on explanations, and it is difficult to generate them with confidence. But mostly people are using […]

Enhancing Your Medicare Benefits

September 1, 2014

Many people get Medicare wrong. That’s a shame, because it is the main retirement medical insurance for most Americans. Fortunately, you can fix most of the problems, and we’re entering the time of year for shaping up your Medicare benefits. In the last couple of years I’ve seen a lot of research revealing the mistakes […]


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