The American Retirement Advisor

The American Retirement Advisor

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The American Retirement Advisor episodes

  • Seven Ways In, Part 5: He Turns 65. She Is 62 and on His Plan. Nobody Asks About Her.
    Part five of Seven Ways In, a seven-part series on how seven very different people arrived at the same program, and the one detail that decided each case.
    Today: he turns 65 and she is 62, on his employer plan. Medicare is an individual program. There is no family version and no spouse rider. Eddie and Betty walk through what actually happens to the younger half of a couple when the older half ages into Medicare, the three ways to bridge those years, and the rule about voluntarily dropping coverage that can quietly close a door she needs.
    Read the full article: https://news.americanretirementadvisors.com/nobody-asks-about-her/
    Next in Seven Ways In: she chose Medicare Advantage three years ago, wants a supplement now, and is about to meet medical underwriting for the first time.
    17 min
  • Seven Ways In, Part 4: Everyone Called It Excellent Retiree Coverage
    Part four of Seven Ways In, a seven-part series on how seven very different people arrived at the same program, and the one detail that decided each case.
    Today: he retired from a city job with the retiree health plan everyone in the building envied. What nobody explained is that retiree coverage and employer coverage are two different things under Medicare rules. Eddie and Betty walk through the sentence in Medicare guidance that decides what that excellent plan is actually worth, the three questions to bring to a benefits office, and why this catches careful people who did nothing wrong.
    Read the full article: https://news.americanretirementadvisors.com/excellent-retiree-coverage/
    Next in Seven Ways In: he turns 65, she is 62 and on his plan, and nobody asks about her.
    16 min
  • Seven Ways In, Part 3: He Was Told He Did Not Need Part B Because He Had the VA
    Part three of Seven Ways In, a seven-part series on how seven very different people arrived at the same program, and the one detail that decided each case.
    Today: a veteran turns 65 and someone he trusts tells him he does not need Medicare Part B because he has the VA. It is offered kindly, it sounds like common sense, and it quietly assumes something that is not true. Eddie and Betty walk through what the VA says on its own website about using both, why having Medicare does not reduce your VA benefits at all, and what declining Part B actually costs if you change your mind years later.
    Read the full article: https://news.americanretirementadvisors.com/told-he-didnt-need-part-b/
    Next in Seven Ways In: a public sector retiree with coverage everyone called excellent, and the sentence in Medicare guidance that decides what it is really worth.
    16 min
  • Seven Ways In, Part 2: She Had Two Years of COBRA Left. She Had Two Months of Medicare Left.
    Part two of Seven Ways In, a seven-part series on how seven very different people arrived at the same program, and the one detail that decided each case.
    Today: she was let go at sixty-eight after decades with the same company, and handed two years of COBRA. It felt generous, and it was. What nobody mentioned is that a completely separate clock had started the day her employment ended. Eddie and Betty walk through the sentence in Medicare's own guidance that catches careful people, why COBRA can be worthless for Part B and still protect you on Part D, and whether she made it in time.
    Read the full article: https://news.americanretirementadvisors.com/two-years-of-cobra/
    Next in Seven Ways In: a veteran who was told he did not need Part B because he had the VA.
    19 min
  • Seven Ways In, Part 1: He Turned 65, Kept the Company Plan, and Medicare Was Already First in Line
    Part one of Seven Ways In, a seven-part series on how seven very different people arrived at the same program, and the one detail that decided each case.
    Today: the business owner. There is a line in the Medicare rules drawn at twenty employees. On one side, your group plan pays your bills first. On the other side, Medicare does, whether or not you ever signed up for it. Eddie and Betty walk through what that means for anyone who owns a business and is anywhere near 65, why the answer is sometimes to change nothing at all, and the eight-month window that starts sooner than almost everyone thinks.
    Read the full article: https://news.americanretirementadvisors.com/already-first-in-line/
    Next in Seven Ways In: a woman let go at sixty-eight, handed two years of COBRA, who came in six months later.
    17 min
  • I Have Been Reading the Mail the Carriers Send Us. You Should See It Too.

    Four things happened in the last ten days that change what your 2027 Medicare decision looks like. All of them are public. None of them were announced to you. Here is what came into our advisors' inboxes this summer, and what it means for your family.

    Read the full article: https://news.americanretirementadvisors.com/the-mail-the-carriers-send-us/

    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.

    16 min
  • The Door That Closes at 65, and the Gap Sixty-One Years Never Filled

    All week we followed a promise that took fifty-three years to win. Today, the two things about it that matter most to your family: a one-time enrollment window that does not repeat, and the one expense Medicare has never covered. That gap is doing to families today exactly what hospital bills did in 1960.

    Read the full article: https://news.americanretirementadvisors.com/the-door-that-closes-at-65/

    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.

    14 min
  • The Three Things Medicare Did That Almost Nobody Gives It Credit For

    In the spring of 1966, roughly seven hundred federal workers fanned out across the country to inspect two thousand hospitals in three months. They were not checking the medicine. They were checking whether Black patients were admitted, because no hospital that discriminated could take Medicare money. That is one of three things this program did that are missing from the popular story.

    Read the full article: https://news.americanretirementadvisors.com/what-nobody-credits-it-for/

    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.

    15 min
  • Sixty-One Years Ago Today, a President Flew to Missouri to Finish Someone Else's Fight

    On July 30, 1965, Lyndon Johnson did not sign Medicare in Washington. He flew to Independence, Missouri, walked into the Truman Library, and signed it in front of the man who had lost this fight twenty years earlier. Then he handed Harry Truman the first Medicare card ever issued. Bess got the second.

    Read the full article: https://news.americanretirementadvisors.com/sixty-one-years-ago-today/

    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.

    14 min
  • The Man Who Blocked Medicare for Years, Then Built It in One Night

    By 1965 there were three rival health bills in Congress, and two of them existed to make sure Medicare never happened. The chairman who had strangled the idea for a decade looked at all three, said maybe we should put them together, and told a staffer to have it drafted by morning. That is why your card has a Part A and a Part B.

    Read the full article: https://news.americanretirementadvisors.com/the-three-layer-cake/

    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.

    16 min

About The American Retirement Advisor

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Retirement should feel like freedom, not a puzzle. The American Retirement Advisor is your daily dose of straight talk on the three decisions that shape every retirement: your healthcare, your…