Retirement Healthcare and Medicare
Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
Found 311 Articles.
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Looming Medicare Deadlines
Medicare is the main medical expense insurance plan for retirees, and it’s also among the most complicated programs. Most retirees and pre-retirees don’t know much about the program, which is revealed in many surveys. The enrollment rules trip up many people. Mistakes here trigger extra premiums for the rest of their lives. Others miss the […]
Expanding Medicare Coverage
Medicare coverage is about to expand, perhaps substantially, for people with chronic conditions and disabilities. The rule for a long time has been that skilled nursing and therapy services were covered by Medicare only if there was a likelihood that the care would result in a medical or functional improvement. Care that simply helped people […]
Managing, Planning for Retirement Medical Costs
Paying for medical care is the greatest fear of retirees and pre-retirees. Curiously, most of them aren’t doing much about it. The same surveys that report Americans are concerned about retirement medical expenses also report that only about 12% take account of medical costs in their retirement planning. More than half admit to knowing very […]
Planning for Higher Medicare Premiums
Means-testing was introduced into Medicare premiums a few years ago. Higher-income beneficiaries pay higher premiums than others. That’s going to continue and expand, regardless of who wins the election or how Medicare is reformed (or not). Most people don’t incorporate medical expense planning sufficiently in their retirement spending plans. They think their medical expense will […]
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Debating Medicare
The future of Medicare is a big part of this year’s elections. You’re going to hear a lot of sound bites and arguments about Medicare and various proposals to change it. I think it’s important to do research yourself before hearing the incomplete and sometimes distorted comments in the media. Here are a few facts […]
Health = Wealth in Retirement?
A high percentage of American seniors die having few or no financial assets and depending on Social Security for their income. Of those with few assets, a high percentage of those are single and don’t live as long. These are the conclusions from a new study published by professors from MIT, Dartmouth, and Harvard. The […]
Long-Term Care Insurance Made Easy
The question of whether or not to buy long-term care insurance perplexes many people. They don’t know how to approach the issue and don’t want to be led around by an insurance agent seeking a commission. If you’re in that situation, or simply want a decent road map to analyzing the decision, consider this post. […]
Finding the Best Long-Term Care Insurance Deal
Too many people aren’t receiving enough long-term care coverage for the premiums they’re paying. Some are paying twice what they should be. It’s not surprising. Insurance is an inefficient market. It’s tough for consumers to find prices and other details, and it’s something they don’t want to do to begin with. So, when people buy […]
