Originally Posted by stocktrader
1) What do you think about these estimates? Too high or low?
2) Should I factor in a major expense (like $20,000) every 5-10 years based on a major health event?
The Medigap premium looks low. Is this based on a quote or were you using an average? I'd use a quote for low deductible Medigap F coverage where she lives.
$20k is a lot when you have good coverage. An emergency fund covering twice this should be more than enough to cover most contingencies, especially if assisted living is funded separately.