If you haven’t been really, really sick in the last few years, you may not have ever heard of the “donut hole” in Medicare Part D prescription drug plans. This is the common name in the medical field for a quirky coverage gap where, if you incurred $3,750 worth of drug costs in any […]
Many people wait too long to create advance health directives and designate a health care surrogate, and the results can be tragic. A recent article, by a physician who is also a financial planner, illustrates a not-uncommon situation that nobody wants to find themselves in. The story begins with a woman suddenly becoming acutely […]
If you’ve looked at your portfolio performance statements, line-by-line, you might have noticed that your U.S.-based stock ETFs and mutual funds are doing really well, but your overall portfolio is not showing quite the same generous returns. Are you the only one? The answer is no; we are coming off of a remarkable decade […]
Flexible Powers When a person comes down with any of various forms of dementia, it means he or she requires additional amounts of care. It also means eventually taking away the checkbook and access to credit cards, to prevent the person with diminishing capacity from responding to Nigerian email pitches or late night infomercials. For […]
Medicare’s Future Several items that everybody seems to be overlooking in the recent budget deal signed by President Trump are potentially-significant changes to how Medicare is administered. First on the list is the elimination of Medicare’s independent payment advisory board, authorized under the Affordable Care Act to serve as a check on higher […]
Don’t Miss Open Enrollment Each year, the Affordable Care Act—popularly known as Obamacare—creates a period when health insurance policyholders can buy or change their coverage through state exchanges or the government website. This year, many locations will feature fewer carriers bidding for your business, but virtually every county in America still has coverage options. But […]
