Retirement Healthcare and Medicare

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

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Understanding Medicare Supplement Plans

December 1, 2009

You’ve been inundated with advertising for the array of Medicare-related programs, for it is annual enrollment time. In recent months we reviewed Medicare Advantage plans, original Medicare, and Part D prescription drug coverage. In this visit, we review Medicare Supplemental coverage (or Medigap) policies. Many people who are covered by original Medicare also select a […]

Examining Part D Prescription Drug Plans

November 1, 2009

Open enrollment for Medicare’s Part D prescription drug pro-gram is almost here. Marketing has begun, and you can sign up from Nov. 15 – Dec. 31. Only entering its fourth year, enrollment grows each year, and surveys show satisfaction among enrollees. One constant about Part D so far is change. Premiums, other costs, and coverage […]

Updating Medicare Advantage

November 1, 2009

Earlier this year we told you to expect changes in Medicare Advantage plans, because Congress was reducing reimbursements to insurers and making other changes. The plan offerings for 2010 are in, and you do indeed face changes in Advantage plans. Almost all Medicare beneficiaries have an Advantage plan available to them. But about 7% of […]

Choosing from Medicare’s Options

October 1, 2009

Medicare enrollment season is almost upon us. Every year, Medicare beneficiaries have a six-week period beginning Nov. 15 to select their medical plans. New Medicare members face the same choices when they enroll. Many of you have decisions to make. Even if you are happy with your Medicare plan, it is a good idea to […]


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.

When Medicaid Will Pay for Long-Term Care

July 1, 2009

Many people still expect that government programs will pay for their long-term care needs. They do not understand the limited assistance government programs provide for long-term care needs. Medicare, the program for those 65 and older, has restricted coverage for stays at long-term care facilities. The coverage generally is only for brief periods of rehabilitation […]

Estimating the Cost of Long-Term Care

July 1, 2009

The cost of long-term care is a mystery to many Americans. They hear the cost is high, and occasionally they hear quotes of national averages of the cost. But that does not help an individual plan for the cost or decide whether to buy long-term care insurance or how much to buy. A valuable tool […]

Changes Coming to Medicare Advantage Plans

June 1, 2009

The Medicare Advantage plans have been one of the more popular innovations in Medicare. Enrollment is up to 10.5 million, from only 5.4 million in 2005. But these plans will see some changes later this year, and that could increase costs or decrease benefits for enrollees. Traditional Medicare is a fee for service program that […]

Critical New Trends in Long-Term Care

May 1, 2009

Many people do not realize that long-term care insurance has been a mainstream product only since the 1980s. It still is evolving, and insurers are learning more all the time. Also, there are dramatic changes occurring in the population and in medical care that affect the pricing and terms of long-term care insurance. In this […]

November 2020:

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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