The American Retirement Advisor

What the Letter Leaves Out, part 2. The plan letter lists an out-of-pocket maximum. It does not add up what a bad year costs you all in: the premium, Part B, the medical limit, and the drug cap. An engineer does the arithmetic with 2026 and 2027 numbers, for both paths through Medicare.

Read the full article: https://news.americanretirementadvisors.com/wll-whats-your-worst-case-year/

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 1. The plan letter is supposed to show what changed, and this week we read one that did not show either deductible. For 2027, more Advantage plans in Maricopa have a medical deductible, and drug deductibles can reach $700. Where to find your real numbers before October 15.

Read the full article: https://news.americanretirementadvisors.com/wll-did-your-plan-add-a-deductible/

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.

Healthcare in Retirement. Since the 2027 plans went live on October 1, our team has pulled every plan in Scottsdale and Las Vegas to get ready for next week's client workshops. More deductibles, higher out-of-pocket limits, a $700 drug deductible cap, and what Medicare.gov cannot show yet.

Read the full article: https://news.americanretirementadvisors.com/hir-what-we-learned-when-the-2027-plans-came-out/

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.

Take-Home Notes. What yesterday's Medicare workshops taught us. People holding their plan letter still had not caught that things were changing, Medicare.gov is not showing doctor matches for 2027 yet, and the numbers on the screen only help if you know what each one means. Here is what each one means.

Read the full article: https://news.americanretirementadvisors.com/thn-a-bigger-number-is-not-a-clearer-number/

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.

Take-Home Notes, part 5. The workshop's last section sorts the room into three groups: not on Medicare yet, on an Advantage plan, or on a Supplement with a drug plan. What each group does this fall, the six questions to ask anyone who offers to help, and every section of the show in print, in one place.

Read the full article: https://news.americanretirementadvisors.com/thn-which-one-are-you-not-yet-advantage-or-supplement/

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.

Take-Home Notes, part 4. This morning Medicare.gov switched to 2027 plans, and the workshop's live demo walks the search click by click. How to search drug plans and Advantage plans, the notes-sheet grid, what the little tooth means, and what the site does not show yet on day one.

Read the full article: https://news.americanretirementadvisors.com/thn-medicare-gov-live-how-to-search-2027-plans/

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.

Take-Home Notes, part 3. Plan letters are due today, and the workshop's calendar slide answers the next question: which Medicare window is yours, what you can change between October 15 and December 7, what happens if you do nothing, and the one change you can apply for any month of the year.

Read the full article: https://news.americanretirementadvisors.com/thn-your-plan-letter-came-what-can-you-change/

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.

Take-Home Notes, part 2. Copay, deductible, network, and maximum out-of-pocket. The workshop defines these four before anything else, and each one is hiding in the plan letter on your counter. What each means in Medicare's own words, the 2027 numbers, and the one that surprises people most.

Read the full article: https://news.americanretirementadvisors.com/thn-which-four-words-decide-your-medicare-bill/

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.

Take-Home Notes, part 1. The workshop's opening section, in print. Medicare starts with one foundation, there are five ways to build on it, and most people end up on one of two paths. Plus why your mailbox is full: hundreds of companies sell the exact same Supplement plans.

Read the full article: https://news.americanretirementadvisors.com/thn-which-of-medicares-two-paths-are-you-on/

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.

Healthcare in Retirement. Eighteen tricky Medicare situations on one page, sorted by what is going on in your life: still working, served, a letter in the mail, a clock running, a surprise bill, two addresses, AI, and the phone. Find yours, then send the right one to someone who needs it.

Read the full article: https://news.americanretirementadvisors.com/hir-which-medicare-situation-is-yours/

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.