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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 299 Articles.
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Estimating Retirement Medical Expenses

April 1, 2010

The spending wildcard in most Retirement plans is medical care. For many years, we were largely on our own when estimating these costs. Recently, detail-ed estimates of retiree medical spending have been issued to guide our planning. The latest estimate is that the typical married couple, with each spouse each 65 today, jointly will spend […]

estate planning

Dealing With Increases in Long Term Care Insurance Premiums

March 1, 2010

Increases in premiums on many long-term care insurance (LTCI) policies are coming. Some of you already received notice of them. Others will receive notices soon. You need a plan for dealing with these increases (and likely future increases), and policyholders who don’t face the increases now should learn lessons from them. The increases generally are […]

Writing Off Long-Term Care

March 1, 2010

At least some of the expenses of a nursing home or assisted living facility usually are deductible. The amount of the deductions depends on the circumstances. You have to know the rules to maximize your deduction. When the primary reason for residing in a nursing home is one’s physical condition and the availability of medical […]

Estate Planning

Knowing When Long Term Care Insurance is for You

January 1, 2010

Insurers and insurance agents often are mystified at the numbers. Despite their efforts to sell long-term care insurance policies, only a small percentage of the potential buyers own LTCI. I’m not bothered when insurers miss profit opportunities. But I am concerned when people don’t protect themselves by purchasing insurance they should have. Let’s take a […]


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.

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 […]

February 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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