If you want to take a serious approach to your long-term healthcare costs, Heritage Wealth Retirement Planning offers a thoughtful and practical approach to help you prepare.
From understanding Medicare options to building a plan for future care needs, we guide you through it all with honest conversations, not complicated jargon.
Our team takes the time to explain what matters most and how your choices today can affect tomorrow. Whether you’re a working professional, nearing retirement, or already retired, we help create a strategy that fits your life and budget.
Let’s talk about what’s possible. Contact us at (630) 868-9127 to begin your healthcare planning in Chicago.
Why Healthcare Planning in Chicago Should Be Part of Your Financial Roadmap
For many families, healthcare planning doesn’t feel urgent until it suddenly is. In a city like Chicago, where living costs can be high and medical bills add up quickly, having a healthcare plan in place isn’t a luxury. It’s a smart step that can make a big difference over time.
Healthcare planning in Chicago means being prepared. Whether it’s routine care, future surgeries, long-term care support, or understanding Medicare coverage options, we work with you to create a plan that makes sense for your current life stage.
We don’t push products or overcomplicate the conversation. Instead, we focus on practical steps to help you feel ready for whatever comes next.
What Healthcare Planning Includes
At Heritage Wealth Retirement Planning, we break healthcare planning into manageable parts. This helps make sure you’re covering the essentials without being overwhelmed. Our approach includes:
Reviewing Medicare and Supplemental Insurance
Original Medicare doesn’t cover everything. We help you understand what’s missing and how to fill the gaps.
Organizing Healthcare-related Documents
Advance directives, power of attorney forms, and medical instructions are essential. We’ll walk you through what’s needed.
Estimating Future Healthcare Costs
We help you get a realistic picture of what healthcare might cost during retirement or as you age.
Building Healthcare Expenses
Your savings and income strategies should take into account future care needs.
Discussing Long-term Care Solutions
We talk about potential care options like assisted living, in-home support, and how to plan.
Every conversation we have is grounded in your goals and preferences. We want your healthcare strategy to reflect the way you want to live, not just check boxes on a list.
How We Help People Plan for the Future
Whether you’re 45 and still working or already enjoying retirement, it’s never too early or too late to start healthcare planning in Chicago.
Our clients come from diverse backgrounds, and their goals vary accordingly. Some want to make sure their spouse or family isn’t burdened later on. Others are focused on making their retirement dollars stretch further.
Here’s how we help people in different stages of life:
Working Professionals
Planning for retirement healthcare expenses alongside retirement savings
Looking at employer healthcare plans and future Medicare eligibility
Making informed choices about Health Savings Accounts (HSAs)
Retirees
Understanding what Medicare does and doesn’t cover
Reviewing prescription drug coverage options
Considering long-term care insurance while still eligible
Families with Aging Parents
Coordinating care costs across generations
Discussing care facility options, Medicaid eligibility, and asset protection
Each situation calls for a different mix of strategies, but they all benefit from planning ahead.
Why Chicago Families Need to Think About Healthcare Costs
Healthcare costs are rising everywhere, but in a central metro area like Chicago, those numbers can feel even steeper. From hospital stays to specialist visits, the bills can add up fast.
Here’s what many people don’t realize:
Even with Medicare, you’ll likely still face out-of-pocket expenses. This includes deductibles, co-pays, medications, and potential long-term care costs.
Without a plan in place, these costs can eat into retirement funds or strain loved ones. By incorporating healthcare planning into your broader retirement strategy, you give yourself more flexibility and control over how your future unfolds.
MEET THE TEAM
Areas We Serve
Based in Naperville, Heritage Wealth Retirement Planning helps clients throughout the greater Chicago area. We proudly serve:
For more information about local services and support in the city, visit the official City of Chicago website.
Who Benefits From Healthcare Planning?
You don’t need to be wealthy or on the verge of retirement to benefit from healthcare planning in Chicago. In fact, the earlier you start, the more flexibility you’ll have later on.
Healthcare planning can help:
Pre-retirees make sense of Medicare choices
Couples coordinate benefits and avoid gaps
Single adults plan for care without relying on family
Parents build multi-generational care strategies
Individuals with chronic conditions map out future care support
Ready to Talk About Healthcare Planning?
Whether you’re starting from scratch or want a second opinion, talking with a professional can bring the clarity you need.
At Heritage Wealth Retirement Planning, we’re here to help you create a healthcare plan that works for your life, your income, your health, and your family needs.
There’s no one-size-fits-all answer. But there is a place to begin, and that’s a conversation.
Call (630) 868-9127 to schedule your healthcare planning consultation.