Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
Your health care options are steadily shrinking. Federal rules deterred many health care providers from offering the new Medicare options described in my September 1998 issue. And other rulings caused many HMOs to either stop participating in Medicare or to substantially increase the fees charged. For many of you, the only option now is the […]
Medicare recipients are in for a big shock this fall. The 1997 Balanced Budget Act enacted some major changes in Medicare that begin taking effect in 1999. You’ll be expected to make more choices. Yet a recent AARP survey found that only about 11% of Medicare participants know enough to make an informed choice. Perhaps […]
The number of retirees in “health care limbo” is rising, and could rise quite a bit over the next few years. Health care limbo is that period when a retiree is not covered by an employer or other private health plan and is too young to apply for Medicare. People get in health care limbo […]
I have a friend who still is jealous of Malcolm Forbes. The owner and publisher of the magazine bearing his name died in his sleep of a heart attack, apparently never feeling any pain or knowing he was dying. Most people prefer that kind of death with dignity and say they definitely don’t want a […]
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Sometimes a tax break costs more than it is worth. That just might be the case with the breaks for long-term care insurance that were enacted in 1996. All the questions still aren’t answered, but so far it looks like you might be better off taking a pass on these tax benefits. Congress meant well […]
There’s a bit of trouble in paradise for some northern snowbirds who migrate to warm weather states for the winter. That trouble is health care. It is especially bad if you belong to a health maintenance organization, but also affects those covered by one of many private insurance and medigap plans. HMOs tend to be […]