Going broke during retirement doesn’t scare Americans as much as racking up high medical expenses.

According to a 2015 survey from Bankrate.com, 28% rank high medical expenses as their chief retirement concern, while 23% worry most about running out of savings. One-third of people over age 50 are anxious about expensive illnesses or injuries.

Couples who retired in 2014 at age 65 can expect to incur $220,000 in health-care costs on average during retirement, according to Fidelity Investments. This excludes long-term care, which almost 70% of those who reach age 65 will need for an average of three years, projects the U.S. Department of Health and Human Services.

The good news is more financial advisors, including three-quarters of those responding to a survey conducted last year by FA, say they’re providing health-care advice as part of their retirement planning for clients.

Their efforts run the gamut, such as comparing insurance policies, drafting advance health-care directives, exploring health-compatible housing and accompanying clients to the doctor. How they broach the topic of health with clients also varies.

“They don’t ask us, we ask them,” says Carolyn McClanahan, founder and director of financial planning at Life Planning Partners Inc. in Jacksonville, Fla. The former emergency medicine and family medicine physician, who still volunteers in the medical clinic of a homeless shelter, is comfortable leading these conversations. She also educates other financial planners on how to have these discussions.

A standard question she asks clients to open up conversations is, “What do you do to take care of your health?” She also asks: What is your general health status? Do you have a family history that should worry us? What is your past medical history?

Michelle Rand, founder and president of Cascade Investment Advisors Inc. in Oregon City, Ore., has had health-care discussions with 50% to 60% of her 150 clients. Most have been initiated by clients or are event-driven.

She and her team are asset managers who spend the bulk of their time analyzing investments. “There is no way we can be experts in health care and we don’t even try,” she says. “But we can do math.” So they analyze the costs associated with clients’ likely health-related needs and build them into the financial projections they use to determine what the clients’ asset allocations should be.

Health care is especially high on her radar, she says, because in recent months three clients and a client’s younger brother died. One of the clients had cancer and related health issues for several decades. “He was wildly expensive,” she says, noting that the charges for his last hospital stay were $143,000.

Fortunately, his medical bills were virtually all covered because he had very good health insurance through his job and later through his wife’s job. Rand helps clients with less generous benefits compare supplemental insurance plans.

Another client’s husband had Parkinson’s disease. They maintained separate assets and the wife was using her assets to cover his care. Rand encouraged her to talk to her husband. He started paying for his in-home care and the couple split the cost of renovating their home to accommodate his infirmities.

After an elderly client repeatedly fell at home, skimped on physical therapy and refused to move, her children asked Rand to speak with her. She complained to Rand about what she could no longer do and then agreed to try home health care. When this care proved insufficient, Rand held a family conference and the client conceded she was ready to move to an assisted-living facility.

Rand crunched the numbers to see the type of apartment the client could afford. She also determined the client could keep her house if she rented it out. The client was happy because it gave her a way to think of her move as temporary, even though it didn’t turn out that way. “I think that was the most important part about keeping the house,” says Rand.

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