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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 310 Articles.
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Key Retirement Advantages of Health Savings Accounts (HSAs)

November 27, 2017

The Health Savings Account (HSA) could be the best retirement planning vehicle available. Only the Roth IRA comes close. People are catching on to the advantages. There now are over $40 billion in HSAs, and the number of HSAs increased 16% over the last year. Much of the increase is because employers are switching to […]

Don’t Forget To Shop Around for Medicare

November 17, 2017

Each year I encourage Medicare beneficiaries to use Open Season to shop around and compare the options in their plans. This article makes many of the same points. While Medicare plans are regulated, there still is a lot of difference between plans. You easily could spend twice as much for coverage as you need to, […]

The Biggest Retirement Fear of Most Americans

November 15, 2017

It’s the biggest retirement fear of most Americans, and it makes or breaks most retirement plans. But you don’t have to worry about long-term care expenses depleting your nest egg or taking your legacy from your family. After viewing the latest seminar in the Retirement Watch Spotlight Series, you’ll avoid the mistakes and misunderstandings that […]

Protecting Your Nest Egg from High Prescription Drug Bills

October 23, 2017

Medical care will be one of your highest expenses during retirement, and prescription drugs will be among your highest medical expenses. 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 retirement, according to the Employee Benefits Research Institute. To […]

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7 Ways to Compare Long-Term Care Insurance

October 13, 2017

I’ve found that long-term care is, without question, one of the most difficult aspects to handle in retirement planning. In Part 1 of our LTC piece last week, we covered some of the basics of long-term care, such as costs, elimination periods, and types of payouts. In today’s story, we’ll “cut through the sales talk” […]

The Workout Cure

October 11, 2017

This article presents the latest research to argue that there’s not much that can’t be cured or prevented by exercise, including depression and disease. It also points out that it’s important to do a variety of exercise. Most people focus on the cardio or aerobic exercises. You also need to do some weight-bearing and flexibility […]

Long-Term Care Insurance in Review

October 10, 2017

This article explores the brief history of private long-term care insurance in the U.S. You’ll learn how the number of insurers offering the policies has diminished, and in response fewer consumer are buying the policies. LTC carriers have traditionally been relatively small subsidiaries of large life insurers, many of them publicly traded. And shareholders are […]

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Insurance Solutions to Retirement’s Long-Term Care Question

October 6, 2017

Long-term care expenses are one of the great retirement fears. For many people, the cost and uncertainty of long-term care are only one reason for the anxiety. Even more anxiety is triggered by trying to sort through the options to fund potential long-term care expenses. Comparing the choices baffles even many financially savvy people and […]

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