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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 313 Articles.
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The Struggles Of Social Security And Medicare

June 7, 2018

The latest annual report from the Trustees of Social Security and Medicare is out, and it generated a lot of negative headlines. The big news from the report is that this year the income of the program will exceed the benefits it pays out, so it will have to dip into its reserves or trust […]

How to Save Money on High Prescription Drug Costs in Retirement

June 1, 2018

As you might expect, medical care will be one of your highest expenses during retirement. And prescription drugs will be among your highest medical expenses. Now consider this… A 65-year-old couple today that has median prescription drug expenses for the rest of their lives will need $165,000 of savings to have a 50% chance of covering their health expenses in […]

Rising Cost Of Retiree Health Care

May 25, 2018

Fidelity Investments is out with its latest annual estimate of retirement medical expenses. The latest study estimates the cost over the next 30 years for a married couple currently aged 65 at $280,000. That includes a wide range of out-of-pocket expenses, but doesn’t include long-term care and some other expenses. As this article points out, […]

The Family Caregiver Planning Guide

May 1, 2018

Many estate plans fail, and often not because of any flaws in the documents or the plans. Estate plan failures frequently occur in the implementation and execution. Especially important are actions taken by others, often your children. They’re likely to be the ones putting key parts of the plan into action, not you. To ensure […]


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.

How to Incorporate Medical Care Decisions into Your Estate Plan

April 27, 2018

My last report  covered all the medical care documents you’ll need, such as your HIPAA Authorization, health care power of attorney (HPOA), living wills and advance directives.  Today we lay out some working guidelines for making important medical care decisions. Do not resuscitate/hospitalize It’s common for older patients, especially frail ones in nursing homes, to […]

Estate Planning Strategy: Planning for Medical Care in Retirement

April 20, 2018

Your estate plan should be about a lot more than finances. An estate plan isn’t complete, for example, without the medical care documents. In fact, I always recommend making this a priority. Have the medical care documents finalized while you’re still considering the other issues in the estate plan. Also understand that medical care documents […]

Medical Bills And Bankruptcy especially among Older Americans

March 29, 2018

A widespread belief is that medical bills cause a large number of bankruptcies, especially among older Americans. That belief is based on some studies that have been widely criticized. Here’s a review of a new study that comes to a very different conclusion. The key distinction between the studies is how many bankruptcies had medical […]

Changes Are Coming to Medicare

March 26, 2018

The recent budget deal in Congress included some changes in Medicare that haven’t received enough attention. The two-year budget deal in early February included a bill called the Creating High-Quality Results and Outcomes Necessary to Improve Chronic Care Act, also known as CHRONIC. The bill had passed the Senate in October and was rolled into […]


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