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Designer 401k+™ Aggregate Benefits

Health-Care Expenses For An Average American Couple Retiring Today

The average lifetime retirement health-care premium costs for a 65-year-old healthy couple retiring this year and covered by Medicare Parts B, D, and a supplemental insurance policy, will be $266,589. If we were to include the couple’s total health-care costs (dental, vision, co-pays, and all out-of-pockets), their expenses would rise to $394,954. For a 55-year-old couple retiring in 10 years, total lifetime health-care costs would be $463,849.

A Post-Retirement Medical Expense Account can currently accumulate up to $594,000 that can be distributed tax free for post-retirement medical benefits. Employers can create an account and take a 100% deduction, grow the funds tax deferred, and then distribute the funds tax free for post-retirement medical benefits.

Post-Retirement Medical Expense Account

 Contributions to this portion of your plan creates a tax trifecta!  

  • Contributions are Tax Deductible
  • Contributions grow Tax Deferred 
  • Contributions can be used Tax Free 

Examples of Tax-Free Aggregate Health Benefits

  • Acupuncture
  • ADD Counseling and Assistance
  • Airlift Transportation
  • Alcoholism
  • Alternative Healthcare
  • Alternative Medicines
  • Ambulance
  • Artificial Limbs
  • Artificial Teeth
  • Assisted Living Facilities
  • Asthma and Allergy Treatment
  • Braces
  • Braille - Books and Magazines
  • Chiropractors
  • Christian Science Practitioners’ Fees
  • Clinical Care
  • Contact Lenses, Including Examination Fee
  • Co-Pays
  • Cosmetic Surgery (even if not by a Physician)
  • Cost for Care Outside the United States
  • Cost of Operations and Related Treatments
  • Counseling
  • Crutches
  • Deductibles
  • Dental Fees
  • Dentures
  • Dependent Care
  • Dermatologist Care
  • Diagnostic Fees
  • Electrolysis
  • Experimental Care
  • Eyeglasses, Including Examination Fee
  • Fees for Chiropractors
  • Fees for Fitness Programs and Facilities
  • Fees for Healing Services
  • Fees for Licensed Osteopaths
  • Fees for Practical Nurse
  • Flu Shots
  • Hair Transplants
  • Health Club Memberships
  • Health Insurance Premiums
  • Health Maintenance
  • Hearing Devices and Batteries


  • Hospice, In-Home Care
  • Hospital Bills
  • Hospitalization
  • Insulin
  • Laboratory Fees
  • Laetrile by Prescription
  • Laser Surgery for Vision Correction
  • Lasik Eye Surgery
  • Lead-Based Paint Removal, Children with Lead Poisoning
  • Long-Term Care, Nursing Homes, Retirement Home for Medical Care
  • Medical Information Plan
  • Medicines
  • Membership Fees for Medical Services
  • Nurses' Fees, Nurses' Room and Board
  • Obstetrical Expenses
  • Operations (100% of all Costs)
  • Orthopedic Shoes
  • Oxygen
  • Personal Trainers
  • Physical Therapy
  • Physician Fees
  • Premiums for Long-Term Care
  • Preventive Care
  • Prosthetics
  • Psychiatric Care
  • Psychologist Fees
  • "Seeing-Eye" Dog and its Upkeep
  • Social Security Tax (Where Paid by Taxpayer)
  • Spa Facilities, Usage Fees for Facilities
  • Special Care Costs for Disabled Dependents
  • Special Diets
  • Specially Equipped Cars
  • Sterilization Fees
  • Support Groups
  • Surgical Fees
  • Therapy Treatments
  • Transport Expenses for Medical Services Including Preventative Care
  • Tuition at Special School for Handicapped
  • Viagra
  • Vitamins
  • Wheelchair
  • Weight Loss Programs
  • X-Rays