For many baby boomers, retirement also means moving from private insurance to Medicare for medical wants. At the age of retirement, several men and women have pre-existing conditions which make getting supplementary coverage hard or prohibitively expensive. While Medicare is a great boon, it is not free for Part B which comes with non-hospital expenses, and it only pays 80% of expenses that it takes care of at all. For those surviving on Social Security Retirement advantages solely or generally, even that Part B premium may be unpleasant. So, boomers and retirement do have problems to solve.
Even for people who can afford supplemental policies to help cover medical expenses, there are concerns about the capacity of the system to meet the medical needs of an aging populace. The amount of geriatric specialists is not sufficient to meet the rising numbers of aging Americans and this provider shortage cannot help but have a harmful impact on the quality and delivery of care. In addition, cutbacks in Medicare payoff schedules have meant many physicians who are not taking part in Medicare or who are threatening to give up.
As for everyone who is aging, boomers at retirement age and beyond may well have to adjust to changes in their lifestyles and quality of life that are merely part of the growing older process. Chronic disease become more common in the aging and these can worsen such essentials as mobility, self-care and nutrition. Cognitive changes can additionally have a devastating effect on function.
The good news is that advances in medicine have meant longer and more functional lifespans. Improvements in the treatment of arthritis and other bone and joint conditions mean much better chances to retain mobility longer in to life. Worn out joints can now often be replaced restoring almost normal function and liberty from pain. Knowledge that keeping the mind active can delay or even prevent cognitive decline additionally improve the quality of life. As long as we can make the advancements of medicine available, boomers can truly hope for a long life in retirement that is enjoyable and functional.
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