Friday October 17, 2008 - Snowbirds: Healthcare

[0:03] ..." we thought we take a week off from examining the gyrations on Wall Street and analysis. Looking at. Somebody else -- self. Snow birds this snow -- but there's a real issue about snow birds and"...

[0:20] ..." Medicare reaches age 65 they shouldn't have any problems with doctors and health care facilities accepting their health insurance. On they should check their Medigap to see if they're going to be covered for out of state emergencies. It's the younger retiree they're really need to do some planning. If you're retired early in to save money you got the least expensive HMO which is what I'm seeing people do. You can find out that it does not cover many routine procedures if your out of state and emergency. It probably will be have every high deductible if you walk into an emergency room. But the routine things notes of blank check your health insurance carefully before heading south for any expect extended period of time okay prescriptions. Can you get a three month supply before you"...

[2:06] ..." head to Florida for a month and -- son having -- in Massachusetts Health Care proxies fine but if you know if you're going to be there for six months. He wants to think about doing a"...

[0:00]" Here on WBZ news radio 1030 with certified financial planner -- we thought we take a week off from examining the gyrations on Wall Street and analysis. Looking at. Somebody else -- self. Snow birds this snow -- but there's a real issue about snow birds and what they have to deal with -- this is healthcare."

[0:19]" Yet they've reached the magic age of Medicare reaches age 65 they shouldn't have any problems with doctors and health care facilities accepting their health insurance. On they should check their Medigap to see if they're going to be covered for out of state emergencies. It's the younger retiree they're really need to do some planning. If you're retired early in to save money you got the least expensive HMO which is what I'm seeing people do. You can find out that it does not cover many routine procedures if your out of state and emergency. It probably will be have every high deductible if you walk into an emergency room. But the routine things notes of blank check your health insurance carefully before heading south for any expect extended period of time okay prescriptions. Can you get a three month supply before you leave can use of pharmacy where you're staying. Major drugstore chains no problem because it got a common database. On mail order pharmacies may be helpful here because you just have it shipped to a different address consider establishing relationships with health care providers in both states. There's always going to be an emergency in our lives and as we age they seem to increase. Have a doctor you can call on in the emergency. You know walking into the emergency room only works well on TV. For most of us you are going to get that personal care that follow up you may end up waiting there for hours and our only triage you could be here for five or six hours and then just give you know people give up and go home. So you know establish. Com health care providers and -- dinner with your dentist. You want one in both placed kick your teeth cleaned in both places. Something simple I mean I cracked tooth literally broke off. Now -- virus you know 3000 miles away in I would be in deep trouble say you want someplace you can go to. If you have any emergency so build those relationships early right as part of your health care planning be sure -- taken time to implement and signed. A health care directive for each state to plan to spend time in. The head to Florida for a month and -- son having -- in Massachusetts Health Care proxies fine but if you know if you're going to be there for six months. He wants to think about doing a Floridians living will and naming a proxy was in the will. Do you think you so much check the website for all over information wbz1030.com. We'll have more tomorrow on WBZ news radio 1030."