To Do List What Should I Do If I'm Worried About Healthcare Costs?				> Back to Article
		Here's a quick list of items you should make sure to address when dealing with your question or concern.

			If you'll be retiring before you turn 65, make sure that you have a health plan, and the money to pay for it, in place to cover the intervening years before Medicare kicks in.
			Consider purchasing long-term-care insurance; you'll get a better deal if you buy this earlier in life. Long-term-care insurance may not be right for you if your retirement assets are less than $100,000 (it's probably not worth paying the cost) or more than $10 million (you can pay for nursing-home care regardless).
			The government will send you the paperwork to apply for Medicare a few months before you turn 65. Make sure you fill it all out and send it in promptly.
			Take a close look at supplementary insurance options like Medigap. The New York State Health Insurance Information, Counseling, and Assistance Program (HIICAP) offers excellent, objective insight on Medigap options and long-term care insurance. Find out more by visiting the useful HIICAP Web site.

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