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HealthView Services 2016 Retirement Health Care Costs Data Report Released   Retirement Health Care Costs for a 65-Year-Old Healthy Couple to Exceed $288,000 Projected 2015-2016 Retirement Health Care Inflation: 7.3% 66-Year-Old Couple Will Require 57% of Social Security Benefits to Cover Health Care Medicare Surcharges to Increasingly Impact Middle...

A Ringside Seat on Rising Health Care Costs

As a Health Policy Commissioner, I had the opportunity to participate in a two-day public hearing organized by the Massachusetts Health Policy Commission (HPC) in collaboration with the Office of the Attorney General and the Center for Health Information and Analysis. Attendees included the Governor of the State of Massachusetts, Charlie Baker, the Attorney General, representatives from The Urban Institute, Harvard Business School, CEOs of major health care providers and medical...


I am certainly not a scholar on the topic of “virtue,” which the Merriam-Webster dictionary defines as “morally good behavior.” I’ve never read Aristotle’s treatise on what it means to live a good life or The Nichomachean Ethics, his best known work on ethics.  But that won’t stop me from applying ancient philosophy to our 21st century world—because at some point in school I scanned Plato’s classic philosophical dialogue about virtue, the Meno. At the beginning of...
Birthday Cake Healthview Milestones HEalthview


I’ve managed to conquer yet another mini-milestone in the form of a birthday.  Looking back, I remember my father hitting various points in life as he aged, and I can state without any doubt whatsoever that I view those happenings much differently today than in years past. Yesterday, my ten-year-old daughter quizzically shouted, “Wow Dad, you’re really old!” “Compared to you I’m ancient, but much younger than Mickey Mouse and Donald Duck.” My wife Marea ignores my...
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Best Interest

This week’s Update continues my ongoing discussion concerning the changing financial services’ landscape due to the new DoL Fiduciary Best Interest rule. As I’ve stated before, beginning in April 2017, financial professionals will have to disclose all fees that accompany certain investment products, such as IRAs and qualified annuities.  Not only must advisors reveal what they charge, but they are also required to explain why the recommendations are in the client’s best interest –...
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Marea and I went to a Barbra Streisand concert at the TD Garden in Boston on Tuesday evening with our neighbors, Lara and Roland.  While I have enjoyed Barbra’s music over the years, I had little interest in seeing her perform live.  The festivities began with dinner in Boston’s famed North End.  Roland took charge of driving into town, which isn’t easy these days. “We’re going to hit a lot of traffic,” Roland advised. “That’s OK,” I said, attempting to add a little...
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June is a truly beautiful time of year.  Mild weather makes afternoon walks more enjoyable; my golf game continues to decline, and there are plenty of family gatherings to celebrate different events –specifically graduations.  In fact, I have attended multiple parties this month.  Christopher graduated from Suffolk University, and Nicole and Ed Jr. both graduated from high school near the top of their respective classes. While these are certainly joyous times for the students and their...
Managing Oral Health

Managing Oral Health

Peggy Sue: Grandpa, if you had a chance to go back and do it all differently, what would you have changed? Grandpa: Well, I would have taken better care of my teeth. - Peggy Sue Got Married (1986) Words to live by. The Massachusetts Health Policy Commission (HPC) had a board meeting this past week and oral health was on the agenda.1 Why address this issue? Because the Commission’s objective is to develop policies that reduce growth in health care expenses and improve quality of...
The Alarming Cost Of Out Of Network Health Care Services HVS 06 01 2016

The Alarming Cost of Out-Of-Network Health Care Services

While preparing HealthView’s 2016 Data Report, I learned something thought-provoking about out-of-pocket medical expenses. As I was reviewing some data, I uncovered what appeared to be a statistical error: the Report was projecting that pre-retirement out-of-pocket expenses would increase by around 7% annually, compared to an in-retirement rate of 3%-3.5%. Put another way: a 40-year old would pay more than a 70-year-old for the same out-of-pocket medical product or service. And the...
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