The American Retirement Advisor

Eight true-or-false questions from a busy week: charitable giving, the income surcharge on $0 plans, long-term care, three Medicare rumors, and Social Security's 2027 raise. Every answer links back to the article it came from.

Read the full article: https://news.americanretirementadvisors.com/can-you-beat-eddie-at-this-weeks-quiz/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

Social Security's 2027 cost-of-living adjustment is 3.6%, about $75 more a month for the average retiree. What lands in your January deposit depends on a few numbers that are not out yet, plus some that are. A short household check before the year ends.

Read the full article: https://news.americanretirementadvisors.com/your-2027-raise-is-set-what-will-you-keep/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

The Annual Enrollment Period opens today, and three claims are making the rounds that are wrong or out of date: a new escape hatch when your doctor leaves, a $2,000 drug cap, and a rule that you must re-enroll every year. What the official sources actually say.

Read the full article: https://news.americanretirementadvisors.com/three-medicare-rumors-to-ignore-this-fall/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

As people compare 2027 Medicare plans, the biggest late-life cost is not on any plan summary. Medicare and Medigap do not pay for long-term care. What Medicare does cover runs out fast, what care costs today, and the questions a couple can settle calmly, before either of them needs it.

Read the full article: https://news.americanretirementadvisors.com/will-any-medicare-plan-pay-for-long-term-care/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

Plan shopping starts Thursday, and plenty of plans show a $0 premium. For about 1 in 12 people with Medicare, that is not the whole bill. The income-based Part D surcharge follows you to any plan, so here is how to shop around it instead of into it.

Read the full article: https://news.americanretirementadvisors.com/why-a-zero-premium-plan-can-still-bill-you/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

Starting in 2026, the first slice of every itemizer's charitable giving is no longer deductible, and top-bracket households see their deductions trimmed. If you are 70½ or older, there is a cleaner route straight from your IRA, and it has to happen by December 31.

Read the full article: https://news.americanretirementadvisors.com/giving-to-charity-the-rules-changed/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

Our website got a new look this week, and so did the two voices from our podcast. Eddie and Betty now live in 1950s pen and ink: on americanretirementadvisors.com, in a new library of one-page guides at the office, and starting now, right here in these articles.

Read the full article: https://news.americanretirementadvisors.com/meet-the-new-eddie-and-betty/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

What the Letter Leaves Out, part 5. Dental, vision, and hearing are the extras people notice first, and the plan letter rarely shows their limits. On Medicare.gov, the dental flag read 'not specified' for every plan we pulled. Where the real limits live, and why the extras belong last on your list, not first.

Read the full article: https://news.americanretirementadvisors.com/wll-what-do-the-extras-really-cover/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

What the Letter Leaves Out, part 4. The plan letter can say the network changed. It cannot say whether your doctor left. And as of October 4, Medicare.gov still had no 2027 doctor information loaded for any of Maricopa's 52 standard Advantage plans. How to check, and the one phone call that settles it.

Read the full article: https://news.americanretirementadvisors.com/wll-is-your-doctor-still-in-your-plans-network/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.

What the Letter Leaves Out, part 3. The plan letter can list changes to the drug list. It cannot tell you what your own prescriptions will cost at your own pharmacy in 2027. Fewer stand-alone drug plans in Maricopa, a $700 deductible ceiling, a $2,400 cap, and the ten-minute search that answers it.

Read the full article: https://news.americanretirementadvisors.com/wll-is-your-drug-plan-still-the-right-one/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.