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Most seniors that I have spoken to believe that Medicare pays for long-term care. What do you think? On one hand, Medicare is so complete, it seems to pay for almost everything the elderly require, health-care-wise. Most of us know someone who has had a nursing home stay or in home care paid for by Medicare, so it must pay for long-term care, right? On the other hand, maybe you’ve overheard a friend talking about their parents being cleaned out by a nursing home. Which is true?

If I click on a website that uses the general term “boomer” in their marketing vernacular, and the products they sell are anti-aging creams and serums, which age group are they targeting? In my 40’s I may have bought up every anti-aging cream on the market, but folks in their 60’s may be not as interested in anti-aging lotions and more interested in moisture and sun protection.

The second part of the question is a pre set appointments final expense leads plan (our example at $1500 annually) versus advantage plan which may have low or no cost. We addressed the comparison of Medigap versus Advantage in a whole separate article since we’re not comparing apples and oranges. Hopefully, we showed where the risk/reward lies between Medigap and just having traditional Medicare.

If you can co-opt the physicians and hospitals to cut out the insurance companies, who wins? Well, not the insurance companies, but frankly if the guys who represent 52% of healthcare costs like this bill, doesn’t that make you a bit suspicious? Are you sure the insurance companies are the real enemy on your enemies list?

You may want to compare medicare supplements vs. Medicare Advantage plans too. You may face some pros and cons either way. It is time to figure out which one will be right for you. There is not one perfect answer for everybody, but there are a lot of choices. Finding the right retirement health plan may take some research. We can find many great resources to aid us. In fact, the US Medicare program website is a great place to start looking for answers.

It’s enough to choke anybody especially since, for most of us, our retirement income is just a fraction of what we made when we were working. I have met a lot of people who’ve said to me that they simply cannot retire because they cannot afford it. There is no savings, no retirement plan, no 401k, just work. For such people, dreams of travel, golf courses, leisurely reading or writing, and spending more time with the grandchildren go unnoticed. There simply isn’t time, energy or money to do them, and life is so expensive and so demanding that they just have to keep on working.

I decided that I should go to work at home writing articles like this one and helping others like me on their own journeys to reach their goals. Whatever you choose to do, remember this. Don’t be caught off guard. Take action. Take control.