The American Retirement Advisor

Well it could be that there are 40 carriers each offering the EXACT SAME Federally Standardized Medicare Supplements (Medigap), but via advertising trying to differentiate themselves from their competitors. You would never know that Medicare standardized the Medicare Supplements into 10 plans in ...

  Many of us select a brand of product and assume that brand contains all the products in its line of services. Not so fast with Health Networks!!! Many major Health Brands have separate networks within their brand, within the same geographic location. You might think that since you have, for exa...

If you need PROOF of your Entitlement to Medicare: 1)      Call Social Security @ 800-772-1213. 2)      Request an appointment at their office (not on-line or over the phone!!). 3)      At your appointment, tell Social Security staff you want an “ENTITLEMENT DOCUMENT” 4)      You do not want the ...

  A recent question presented to me:   “I have several savings bonds in my name that I wish to transfer to a trustee (still myself) through a revocable trust. What must I do?” The answer can be found on www.treasurydirect.gov,  specifically, http://www.treasurydirect.gov/indiv/planning/plan_estat...

  Obamacare or the Affordable Care Act was supposed to make it possible for people with pre-exsisting condions to get affordable healthcare.  For a while it did just that and then without any public notice....   “Based on program experience and trends since the start of the program. PCIP enrollee...

Medicare Part B Premiums for 2013 According to MEDICARE.gov on November 19th, 2012 Part B Monthly Premium You pay a Part B premium each month. Most people will pay the standard premium amount. However, if your modified adjusted gross income as reported on your IRS tax return from 2 years ago is a...

  Medicare Supplement “Medigap High Deductible Plan F”   VS   Medicare Advantage HMO       David P. Schaeffer   Author of “Medicare Made 123 Easy”       Best Case  -  Moderate Case  -  Worst Case       The premise of this case study is to illustrate estimated Medicare Plan Costs for a Medicare be...

New changes have occurred since you may have purchased your Medicare plan, and what was called an Annual Physical Exam then, is now called an Annual Wellness Visit!  This is a new benefit Medicare has that will help you make a plan with your healthcare team for how to stay healthy.  Be aware of ...

Bankers Life and Casualty Company Center for a Secure Retirement recently released a report entitled “Retirement Health Care for Middle Income Americans”.  The report outlines the findings of a study that revealed a large number of Baby Boomers about to become eligible for Medicare had little or ...

How many times have you heard stories about the mess left behind when a will was outdated?   An estate plan is something that should be regularly maintained, in order to make sure your final wishes are carried out the way you want them to be.     Marriage – A spouse does not automatically become ...