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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 298 Articles.
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medicare-premium-hikes-coming

Medicare Premium Hikes Coming

October 1, 2006

Medicare beneficiaries with higher incomes face higher premiums in 2007 and thereafter. We have better estimates of those premiums now, and beneficiaries can factor these higher costs into their financial plans. The higher premiums, called surtaxes, are imposed on a sliding scale. They begin rising for single beneficiaries whose incomes exceed $80,000 and for married […]

get-set-for-the-new-medicare-surtax

Get Set for the New Medicare Surtax

June 1, 2006

Medicare beneficiaries are used to annual premium increases to go along with the rising cost of medical care. But in 2007 many will be surprised by the new means-tested premiums. Higher income beneficiaries will pay higher premiums. The amount of the increase in premiums will depend on the beneficiary’s income. The higher premium is called […]

medicare-drug-deadline-draws-near

Medicare Drug Deadline Draws Near

May 1, 2006

The deadline for Medicare beneficiaries to sign up for the new prescription drug plan is drawing near. To avoid penalties, seniors who are in Medicare must sign up for a plan under Part D of Medicare by May 15, 2006. The penalty, if you sign up for a plan later, is an increase in the […]

Strategies to Pay for Long-Term Care

April 1, 2006

Are consumers doing the right thing by not purchasing long-term care insurance? Insurers long have been frustrated by the small number of people purchasing LTC insurance. Though more people enter the target age group for the policies, few buy. In 2004, 326,000 new policies worth $700 million were sold. That was a 25% decline from […]

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important-medicaid-update-for-heirs

Important Medicaid Update for Heirs

March 1, 2006

The new uncertainty over Medicaid eligibility is not the only reason Medicaid should not be the centerpiece of your long-term care plan. Another concern is that your heirs might receive an unpleasant surprise from the state. When Medicaid decides someone is eligible for it to pay for nursing home care, the individual is told that […]

medicare-premiums-to-increase

Medicare Premiums to Increase

March 1, 2006

The deficit reduction law signed by the President in February also accelerated the higher Medicare Part B premiums that were scheduled to take effect over the next five years. You might recall from our August 2005 issue that premiums are scheduled to rise for Medicare Part B. Through 2006, each beneficiary pays the same premium, […]

medicaid-nursing-home-rules-toughen

Medicaid Nursing Home Rules Toughen

March 1, 2006

People who plan to have Medicaid pay for their nursing home care are in for some big surprises. A new law that has not received much publicity changes the rules. Medicaid is the program that pays the medical expenses of the nation’s poor. Medicare is the program that pays some medical expenses of older Americans. […]

retirement-time-bomb

The Overlooked Retirement Time Bomb

February 1, 2006

My file of articles about retiree medical expenses is filling rapidly with unpleasant headlines. One sample sums up the group: “How Safe Are Your Retiree Health Benefits?” Numerous surveys and my own experience lead to one conclusion: Most retirees and pre-retirees greatly underestimate how much medical expenses will be during retirement and are mistaken about […]

January 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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