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Plan for Retiree Health Care Costs

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Tags: Medicare supplement plans, Retiree health insurance, retirement planning

The good news is that retiree health care costs have stopped the steady cllimb.  The bad news is that on average a couple retiring this year will expct to pay $220,000 on average during their retirement years for health care.  So there is good reason to be smart about buying the right Medicare plan and making sure you understand the plan you have.  Begin with knowing whether a Medicare Supplement or Medicare Advantage plan is better for you.  Then check it every year to make sure it's still right. or if you have a life event or health event that might change your needs.

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Retiree Health Costs Still More Than Most Expect

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Tags: long term care insurance, Longevity Alliance, Medicare supplement rates, Retiree health insurance

Retiree health care costs have dropped slightly, but are still almost four times the most pre-retirees expect.   A new report from Fidelity estimates a 65 year old couple retiring in 2014 will spend about $220,000 on health care costs in retirement.  Three tips from Longevity Alliance on how to cut health care costs in retirement.

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3 Tips for Keeping Retiree Health Care Costs Down

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Tags: Medicare advantage plans, Medicare health plans, Medicare Part D, Medicare supplement plans, Retiree health insurance, senior health insurance

Some good news for retirees about health care costs:  they have dropped about 8% since last year.

But wait before you celebrate. 

The cost is still a jaw dropping $220,000 for a 65 year old couple retiring this year, according to Fidelity Benefits Consulting.  That does not include costs associated with long term care.

Retiree health care is likely the largest expense you will face in retirement. 

Here are 3 tips for helping you control health care costs in retirement.


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Retirement Postponed: Working for Health Insurance

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Tags: Medicare and turning 65, Retiree health insurance, retirment planning

The mounting cost of health care in retirement is leading more people to work longer, according to new research.  More than half of Americans (54%) reported that having access to employer paid health insurance played a big role in their retirement decision, according to research from the Employee Benefit Research institute (EBRI).

Health insurance is a major reason for delaying retirement with 27 percent reporting they would retire earlier if they were guaranteed access to health insurance.  That compares to just 15 percent in 2003.

If you look at the projected costs of health care in retirement, it’s no surprise that health insurance has turned into golden handcuffs keeping baby boomers in the workforce

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What To Do When You Lose Retiree Health Insurance

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Tags: Medicare, Medicare advantage plans, Medicare supplement plans, Retiree health insurance, seniors

This is the time of year when companies review their employee health care plans and when an increasing number of retirees find that their retiree health insurance will no longer be available from the company.

Xerox just announced that beginning January 1, 2013 it will no longer provide health benefits to people who qualify for Medicare. In 2010, the company stopped providing a subsidy, but news reports say that about 20% of the 15,000 Medicare-eligible retirees still get their coverage through the company.  Earlier this month Goodyear Tire & Rubber Co. announced it would drop health care benefits for Medicare-eligible retirees at the end of 2012.

Here are three tips if you are looking to replace your retiree health insurance with a Medicare insurance plan.

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Can Comparing Medicare Supplement Plans Save You Money?

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Tags: Medicare, Medicare supplement plans, Retiree health insurance

Comparing Medicare plans from different companies can save you money. Yes, even if you are looking for a standardized Medigap Plan F policy.  Over the next several weeks we'll share some consumer stories with you about calls that have come into iQuote and how an iQuote.com Health Plan Advisor helped the consumer find a solution for her situation.

This first story involves a woman moving to a new state and seeking replacement for a union retiree health insurance plan.

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5 Tips to Reduce Health Care Cost Surprises in Retirement

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Tags: Medicare, Medicare open enrollment, Medicare supplement, Retiree health insurance, Retirement

No matter how well planned you think you’ve got retirement there are always some surprises.  New research shows that many retirees are caught by surprise by how much health care costs and how hard it is to stay healthy.

When asked what costs more in retirement than they thought, more than half (55 percent) cited health care.  Here are the top five expenses that were higher than they planned:

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What's Health Care Cost in Retirement? Plenty!

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Tags: Medicare, Medicare supplement, Retiree health insurance, Retirement

Ask yourself these two important questions about your Medicare health care costs?

One --Have you included the cost of retiree health insurance in your financial plan?

Two --Are your cost estimates realistic?

Most of you probably answered “yes” to the first question, but may be shocked at medical expense estimates for the future. Here are new estimates from Fidelity Investments.

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