Retirement Healthcare and Medicare
Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
Found 324 Articles.
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Strategies to Pay for Long-Term Care
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 […]
Medicaid Nursing Home Rules Toughen
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. […]
Important Medicaid Update for Heirs
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 […]
The Overlooked Retirement Time Bomb
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 […]
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Medicare Prescription Drug Program – Answering 2 Key Questions
Two questions frequently are generated by the Medicare Prescription Drug Program. Where can I learn more about my options? There are numerous sources of help for the new drug plan. Start with the free publication, Medicare and You. The 2006 edition was mailed recently to all Medicare beneficiaries and is available on the Medicare web […]
How to Quantify the Financial Effects of Prescription Drug Plans
The new Medicare Part D program is under way. In past visits we reviewed the key factors to consider when comparing plans for the new prescription drug benefit option. Of course, the bottom line financial costs and benefits also are important. This month we look at how to quantify the financial effects of different plans. […]
Making the Medicare Prescription Drug Decision
The promotions for the Medicare prescription drug program are starting and will become intense for many of you over the next few months. Take your time to analyze the choices. If you are eligible for Medicare now, you are eligible for the prescription drug program. Sign ups for the plans can start Nov. 15. The […]
Prescription Drug Plans Ready to Roll
It is getting close to the time when Medicare beneficiaries must decide whether or not to sign up for a prescription drug plan. Promotions are being rolled out. The enrollment period begins Nov. 1, 2005, and closes on May 15, 2006. The government has announced some good news about the program. (See the September 2005 […]
