Smart Wealth and Retirement

Healthcare in Retirement 101


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In this episode of the Smart Wealth & Retirement Podcast, financial advisor and retirement planner Casey Bibb of Martin Wealth Solutions is joined by special guest Theresa Martin to discuss one of the most underestimated parts of retirement planning — healthcare costs.

Together, they unpack what retirees often overlook when it comes to planning for rising medical expenses. Casey and Theresa dive into the differences between Medicare Parts A, B, C, and D, the gaps that can catch retirees off guard, and how to prepare for both routine and unexpected healthcare needs. They also explore long-term care options, the benefits of HSAs, and how proactive planning can help protect your nest egg from medical surprises.

If you’ve ever wondered how much to budget for healthcare in retirement — or how to make sure your plan covers more than just the basics — this conversation offers practical insight and clarity.

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Timestamps:

00:00 Introduction & Episode Setup
00:35 Meet the Hosts — Casey & Special Guest Theresa Martin
01:20 Why Healthcare Costs Matter in Retirement
03:05 Medicare Basics: Parts A, B, C & D
05:10 Coverage Gaps & Supplemental Options
07:05 Long-Term Care: What to Know & When It Makes Sense
09:00 HSAs & Tax Angles Before/After 65
10:35 Building a Healthcare Budget Inside Your Plan
12:20 Real-Life Example & Lessons Learned
14:10 Action Steps & Common Pitfalls to Avoid
15:30 Final Takeaways & Where to Get Help

Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

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Smart Wealth and RetirementBy Jim Martin & Casey Bibb

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