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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 300 Articles.
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Evaluating the New CLASS Program

October 1, 2010

One of the many little-known facets of the new health care law is the CLASS program. This is intended to be a voluntary long-term care assistance program that will pay at least a minimum amount for participants to purchase community living assistance services and supports (CLASS). Participants will receive cash so they can hire home […]

Avoiding the Latest Medicare Scams

September 1, 2010

The Medicare open season, officially called the Annual Coordinated Election Period, is coming up. From Nov. 15 – Dec. 31 those eligible for Medicare can enroll, disenroll, and switch Medicare plans. Following that is the General Enrollment Period from Jan. 1 – March 31 when anyone eligible for Medicare can enroll. Medicare fraud is around […]

Finding the Best Long Term Care Insurance Policy

August 1, 2010

Many people in or near their silver years know they should own long-term care insurance, but there are several hurdles the policies haven’t cleared with them. Fortunately, there is a short cut solution to clearing most of these hurdles. There are several common reasons people don’t buy LTCI: Policies have a history of sharp premium […]

Preparing for Medicare Advantage Changes

August 1, 2010

Medicare Advantage members soon will feel direct effects from the new health care law. This fall they may need to shift their coverage, and they should begin preparing now. Medicare Advantage plans are run by private insurers. The insurers receive a fixed amount per member from Medicare, and the payment is higher than the cost […]

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estate planning

Exchanging Other Policies for Long Term Care Insurance

July 1, 2010

Consumers can exchange tax free old life insurance policies or annuities for long-term care insurance (LTCI) policies, under a 2006 law that became effective Jan. 1, 2010. Unfortunately, few people have been able to take advantage of the law. The idea behind the law is to give another option to people with cash value life […]

Estate Planning

Buying Life Insurance & Long Term Care Insurance Together

July 1, 2010

Consumers are finding ways to protect their wealth from long-term care expenses without buying long-term care insurance (LTCI). Consumers seeking these alternatives, however, need to know some details to ensure they buy the best coverage for them. LTCI sales should be booming. The big Baby Boomer generation is in the prime years for buying LTCI. […]

Knowing When Long Term Care Insurance Will Pay

June 1, 2010

Will a long-term care insurance policy (LTCI) pay benefits when you need them? Uncertainty about the answer to that question keeps many people from purchasing LTCI. Media reports, rumors, and data also confuse or create uncertainty among potential buyers. In the early days of LTCI reports and anecdotes indicated that insurers made their money by […]

Reviewing the New Medigap Policies

June 1, 2010

All the hoopla over health care reform overshadowed a change in Medicare Supplement Plans. The biggest changes in years for these plans took effect in June 2010 but have received little notice. Participants in traditional Medicare often buy Medicare Supplement plans, or Medigap policies, to cover some of the costs not covered by Medicare, such […]

April 2021:
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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