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Paying Too Much for Your Medicare Supplement Plan?

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Tags: Medicare, Medicare supplement, Medigap Plans

If you have a Medicare Supplement plan chances are you are paying more than you have to for coverage.   Medigap policyholders are not choosing the cheaper plans offered in their state, despite the fact that benefits are identical across all insurers, according to new research from the Kaiser Family Foundation.

There is little evidence that consumers are selecting Medigap plan based on price, say the researchers.

So why are people paying so much more for a Medicare supplement plan than they have to?

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Who Benefits Most from Medicare Drug Plans

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Tags: drug costs and seniors, Medicare, Medicare Part D

If you are a senior with chronic health conditions chances are a Medicare drug plan has saved you hundreds of dollars per year as you entered the coverage gap, also known as the donut hole.

In 2012, more than 3.5 million people with Medicare Part D coverage received $2.5 billion in discounts on brand-name prescription drugs.  On average beneficiaries saved $706 according to Medicare.  When it came to generic drugs for people in the donut hole, savings totaled $105 million for 2.8 million beneficiaries.

Drugs managing chronic conditions such as high blood sugar, blood pressure and high cholesterol accounted for almost 33% of the saving, according to the Centers for Medicare and Medicaid.

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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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Are the Empty Nest Days Gone?

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Tags: aging parents, Long Term Care, long term care insurance

How many people nearing or in retirement do you know that still have responsibility for an adult child?  Or have new responsibility for an aging parent?

Seems like almost everyone.  Between the challenging economy and increased longevity, middle-aged adults are getting squeezed.

A new study by researchers at Oregon State University (OSU) warns that the “empty nest” of past generations where a new life stage offers freedom, options and new opportunities, has pretty much vanished.

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