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Kicker: Getting There

Demographic assumptions:

- The couple retires this year at age 65

- The husband will live 15 years and the wife will live 20 years

- The couple has no employer-sponsored health coverage

What that figure includes:

- Premiums for Medicare Part B coverage, which pays for outpatient care and physician services

- Premiums for the new Medicare Part D prescription drug benefit

- Typical costs for copayments, coinsurance, deductibles and benefits exclusions

- Out-of-pocket costs for prescription drugs

The $190,000 figures doesnot include the cost of:

- Over-the-counter drugs

- Dental services

- Long term care

Source: Fidelity Investments, Boston