Retirement Watch Lighthouse Logo

Retirement Healthcare and Medicare

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

Found 311 Articles.
Get access to our full article archive by subscribing to Retirement Watch and Retirement Watch Spotlight Series.

Act Now To Avoid Higher Medicare Premiums

October 28, 2019

You could pay almost four times the regular Medicare premium in two years if you don’t take action soon. Back in 2003, Congress began means-testing Medicare by putting in place the Medicare premium surtax or surcharge. It’s known formally as IR-MAA, Income-Related Monthly Adjustment Amount. IRMAA is one of the Stealth Taxes I warn retirees […]

10 Medicare Questions Every Retiree and Pre-Retiree Should Know How to Answer

October 11, 2019

Currently, the greatest fear of most retirement-age Americans is how to pay their retirement medical expenses. This is not surprising. We are bombarded with estimates that people need to save $300,000 just to pay their medical fees after they retire. It also isn’t hard to find stories of retirees filing for bankruptcy primarily because of […]

Cut Your Prescription Medicine Out-of-Pocket Costs

September 25, 2019

Prescription drugs are the largest medical expense of most retirees, and their cost usually increases faster than inflation. Yet, many seniors know little about how to reduce their out-of-pocket medicine costs, and important changes are coming to Medicare in 2020. Original Medicare doesn’t cover most prescription drugs. You must take out a Part D Prescription […]

How to Slash Your Out-of-Pocket Retirement Medical Costs

September 24, 2019

Covering the gaps in original Medicare coverage is critical to maintaining your financial security in retirement, and there are some important changes coming in 2020.Many medical expenses aren’t covered by original Medicare, as I’ve discussed in the past, including the September 2019 issue. When you choose original Medicare instead of a Medicare Advantage plan, decide […]


In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more. 

Original Medicare vs. Medicare Advantage: Which is Right For You?

September 17, 2019

One of the most controversial aspects of Medicare is the ability to choose between original Medicare and Medicare Advantage. Some of the controversy is ideological, because some people are philosophically inclined to either favor or oppose Advantage plans. But much of the controversy exists because the right choice depends a lot on individual circumstances and […]

Don’t Be Scared By Those Estimates of Retirement Medical Spending

September 17, 2019

The biggest financial worry of retirement happens to be among the most manageable and easiest to conquer. Surveys routinely show that Ameri-cans are most concerned about retirement medical expenses. Even high net worth individuals say they’re worried post-career medical care will deplete their assets. It’s no wonder. Every year we’re faced with fresh estimates of […]

An Answer To Today’s Long-Term Care Crisis

May 22, 2019

My favorite long-term care protection plan has been improved and has become attractive to more people than before. You have more options than ever to help pay for future long-term care, and these newer options are significantly more appealing and rewarding than traditional long-term care insurance. I’ve covered in the past the many troubles in […]

Bob’s Journal for 5/16/2019

May 16, 2019

The latest annual report from the Trustees of Medicare and Social Security sparked a lot of discussion, but many of the conclusions people made are wrong. Every year, the trustees of Social Security issue a report to Congress and the public on the financial status of the program and its trust funds. You can find […]

Log In

Forgot Password