Who needs Medicare help? Everybody! Financial advisors do. CPA's do. People approaching age 65 do. People over age 65 do. Right, we have a lot of work to do!
Are you confused about Medicare and looking for clear answers to your most pressing questions? In this informative Q&A episode, hosts Cameron Giardini and Joanne Giardini-Russell from Giardini Medicare answer real questions from their audience to help you navigate the complexities of Medicare.Whether you're unsure about enrolling in Medicare Part B, dropping Medigap coverage, or how the IRMAA surcharge impacts your premiums, this episode covers it all. We also dive into topics like:- Returning to Work After Medicare Enrollment: What happens if you enroll in Medicare, but later gain access to employer coverage? Can you drop Part B? What happens when you want to re-enroll?- Medicare Advantage Changes for 2025: Find out about the new rules, including how plans will be required to notify enrollees about unused benefits.- Medigap and Maximum Out-of-Pocket (MOOP): Does Medicare Supplement Plan N have a maximum out-of-pocket limit? Learn about the differences between Medigap plans and how you can protect yourself from high medical bills.- IRMAA Surcharges Explained: How does your income affect your Medicare premiums, and can you appeal if your income drops after retirement? - Medicare Enrollment Timing: Do you need to enroll in a Medicare Supplement or Medicare Advantage plan at the same time as you apply for Medicare?Our hosts break down these important topics with simple, step-by-step guidance. Whether you're a first-time Medicare enrollee or currently re-evaluating your coverage, this episode offers actionable advice that can save you from costly mistakes.Who is this episode for?- Individuals turning 65 and navigating their Medicare Initial Enrollment Period.- People who want to understand their options for Medigap or Medicare Advantage.- Those returning to work after retirement and wondering about dropping Part B.- High-income earners dealing with IRMAA surcharges and wanting to know their options for appeal.- Anyone looking for clear, accurate Medicare advice in an easy-to-understand format.- Leave a review on your favorite podcast app to help others discover this episode.- Visit our website gmedicareteam.com- Follow us on YouTube or TikTok by searching "Giardini Medicare" for more helpful content.- Email us your Medicare questions at info@gmedicareteam.comEpisode Sources: Cancelling Medicare Part BMA Supplemental Benefit NotificationMore MA Extra Benefit InformationIRMAA Information
Are you approaching your transition to Medicare and feeling overwhelmed by all the potential pitfalls and complexities? You're not alone! In this episode of the "Client Scenarios Podcast," we go beyond hypothetical examples and dive into five real-life Medicare scenarios our clients have faced. Learn how to avoid costly mistakes and make smarter decisions when enrolling in Medicare.Join hosts Cameron Giardini and Joanne Giardini-Russell from Giardini Medicare, an independent insurance agency serving clients in over 13 states, as they share real stories—from clients who faced Medicare enrollment traps to those who found unique ways to maximize their Medicare benefits. Whether you're concerned about moving states with a Medicare Advantage plan, navigating COBRA insurance complications, managing Medigap payments, avoiding last-minute Medicare enrollments, or understanding marketplace subsidies and Medicare eligibility, this episode offers practical advice for anyone transitioning to Medicare.Episode Highlights:1. Moving Out of State with Medicare Advantage: Discover how relocating can impact your Medicare Advantage plan and what to do before you move to avoid losing coverage. 2. COBRA Insurance Pitfalls: Learn the hidden risks of relying on COBRA coverage after retirement and how it affects your Medicare Part B enrollment.3. Risks with Medicare Supplement Payments: Understand the critical importance of setting up automatic payments for your Medigap premiums to avoid losing coverage.4. Last-Minute Medicare Enrollments: Why waiting until the last minute to enroll in Medicare could cost you more than you think, and how to avoid these common mistakes.5. Marketplace Subsidies vs. Medicare Eligibility: Find out why keeping your subsidized marketplace health plan after turning 65 could result in significant financial penalties.Who Should Listen?- Individuals approaching age 65 or currently planning their transition to Medicare.- Those currently enrolled in a Medicare Advantage or Medigap plan and considering a move to a new state or county.- Retirees relying on COBRA insurance who need to understand how it affects their Medicare options.- People enrolled in the marketplace (ACA) health plans receiving subsidies who are nearing Medicare eligibility.- Caregivers and family members assisting loved ones with their Medicare decisions.More Content: - Visit our website: gmedicareteam.com- Connect with us on YouTube and TikTok by searching "Giardini Medicare" for more valuable Medicare content.- Send us your questions or feedback at info@gmedicareteam.comEpisode Sources
Feeling overwhelmed by Medicare's Annual Election Period (AEP)? Don't worry, you're not alone! In this episode, Cameron Giardini and Joanne Giardini-Russell are here to simplify the process and guide you through the key changes coming for 2025. Whether you're happy with your current plan or unsure about what's next, we'll help you prepare and make confident decisions for the upcoming year.We'll walk you through:The AEP timeline is October 15 - December 7, 2024. What can you and can't do during this period?Medicare Advantage & Medigap updates: How to know if it's time to switch plans or stay with what you have.What to look for in your Annual Notice of Change (ANOC): We'll explain how to interpret the updates to your coverage and whether your plan still meets your needs.Part D prescription drug coverage: Changes in formularies, premiums, and how to ensure your medications are still covered.What happens if your Medicare Advantage plan is terminated: We'll walk you through your options if you're affected by major plan changes for 2025.Medigap underwriting tips: Learn how to switch to a Medigap plan, and what to know about medical underwriting.Even if you're completely satisfied with your plan right now, we'll show you why taking 15 minutes to review your coverage can save you from surprises next year. This episode is packed with practical advice for navigating Medicare's Annual Election Period, and we'll make sure you feel supported throughout the process.Take control of your Medicare coverage for 2025 with the help of this episode! Whether you're new to Medicare or just reviewing your current plan, we've got you covered. Tune in, and if you have questions, reach out to us at gmedicareteam.com or send an email to info@gmedicareteam.com. Don't forget to subscribe for more helpful tips, and check out our YouTube channel for even more Medicare content. Helpful Links
In this episode, Cameron Giardini and Joanne Giardini Russell from Giardini Medicare discuss the major changes coming to Medicare Advantage plans in 2025. With the landscape of Medicare Advantage evolving rapidly, it's more important than ever to stay informed and understand how these changes could impact your healthcare coverage.What we'll cover:- Current State of Medicare Advantage: Learn about the latest enrollment trends, premium changes, and why these plans have been so popular among Medicare beneficiaries.- What's Changing in 2025: We'll break down the upcoming changes, including higher utilization rates, lower-than-expected funding from the federal government, and the impact of the Inflation Reduction Act on Medicare Advantage plans.- Industry Insights: Hear what key players like AHIP, UnitedHealthcare, Aetna, and others are saying about the future of Medicare Advantage and how they are preparing for these shifts.- Potential Impacts on Your Coverage: We discuss the likely impacts of these changes, from potential premium increases and reductions in extra benefits to higher out-of-pocket costs and even some plans exiting certain markets.- Our Expert Takeaways: Get our thoughts on how these changes will affect you and your options for 2025, including alternative choices like Medigap and Part D plans.Whether you're currently enrolled in a Medicare Advantage plan or considering your options for the future, this episode provides a comprehensive guide to navigating the 2025 changes. We'll help you understand what to expect, how to prepare, and how to make the best decisions for your healthcare needs.Don't forget to subscribe and leave us a review so you never miss an episode! For more Medicare insights, search for Giardini Medicare on YouTube, or schedule a one-on-one call with one of our brokers at gmedicareteam.com. If you have any questions or feedback, feel free to reach out to us at info@gmedicareteam.com. Tune in now to stay ahead of the changes and make the most informed choices for your Medicare coverage in 2025!Video Sources: Wellcare Leaving Certain MarketsAetna Medicare Advantage Market ArticleMedicare Advantage Loss RatiosKFF Medicare Advantage Loss RatiosLoss Ratios and Supplemental BenefitsMedicare Advantage LandscapeUHC Utilization Article
In this episode, Cameron Giardini and Joanne Giardini Russell of Giardini Medicare dive deep into the crucial changes coming to Medicare Part D in 2025. With the summer break behind us, we're kicking things off with everything you need to know about how these changes could affect your prescription drug coverage.We'll cover the most critical updates, including:- The new $2,000 cap on out-of-pocket Part D costs and what it means for you.- The introduction of the Medicare Prescription Payment Plan, designed to help spread out your prescription expenses into manageable monthly payments.- The end of the infamous “donut hole” coverage gap—finally!- Increased financial responsibility for insurance companies and how this might impact your Part D premiums.- The new Premium Stabilization Demonstration Program aims to control premium increases and offer more competitive plans.Whether you're already enrolled in a Part D plan or just beginning to explore your Medicare options, this episode breaks down the complexities in a clear and understandable way. We also share our expert insights on what these changes could mean for you, how to prepare, and what to look out for in the coming months.So grab your coffee, sit back, and join us for this essential guide to navigating the 2025 Medicare Part D landscape! Don't forget to subscribe, leave a review, and share this episode with friends and family who might benefit from understanding these upcoming changes.To access our FREE online course, use this link: https://www.gmedcourse.com/ To schedule a call with one of our brokers, use this link: https://gmedicareteam.com/ Don't forget that you can also find more Medicare content from us by going to our TikTok and YouTube channels. Episode Sources: Inflation Reduction Act TimelineMedicare Guidance for Prescription Payment PlanPart D Premium Stabilization ProgramKFF Explaining the Inflation Reduction Act
As we approach the peak of summer, we understand that learning about Medicare often takes a backseat during this time of year. Therefore, we will take a break from releasing our biweekly episodes of the Transition to Medicare podcast for the next few months. Stay Informed This Summer:- Access Past Episodes: Our previous podcast episodes contain relevant information. Feel free to revisit them anytime.- Watch Our Videos: We will continue producing new Medicare-related videos on TikTok and YouTube. Search for "Giardini Medicare" on these platforms for fresh content.- Get Personal Assistance: If you have specific questions, email us at info@gmedicareteam.com or call our agency at 248-871-7756.Enjoy Your Summer, and we look forward to reconnecting with you after Labor Day!
Are you fully protected with your current Medicare plan? In our latest podcast episode, we dive deep into the often-overlooked yet vital insurance options that complement Medicare. Discover how specific plans can shield you against unforeseen expenses related to cancer, hospitalization, travel, and more. Whether you're enrolled in Original Medicare, Medicare Advantage, or Medigap, we've got insights that could save you from unexpected financial burdens.In This Episode, We Explore:Cancer Insurance: Learn how lump-sum cancer policies work alongside your existing Medicare Advantage or Medigap plans, providing financial aid during challenging times.Hospital Indemnity Insurance: Understand how this type of insurance can alleviate out-of-pocket costs associated with hospital stays, especially for those with Medicare Advantage.Short-Term Care/Home Health Care: We discuss options for short-term care insurance that fills gaps left by Medicare in skilled nursing and home health care scenarios.Travel Insurance Needs: With Medicare coverage limitations abroad, find out why travel insurance is crucial for your peace of mind during overseas trips.Contact Us:Need personalized advice? Schedule a consultation with our experts at Giardini Medicare at https://gmedicareteam.com/ or drop us a message at info@gmedicareteam.com. Visit our YouTube channel for more content on making the most of your Medicare coverage.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.You can also connect with and learn more on TikTok and our private Facebook Group. While you're at it, check out our Google Reviews! Please get added to our mailing list so we can stay in touch with you.Sources:Milliman Report about 2024 MOOPMedicare Skilled Nursing CoverageMedicare Home Health ServicesMedigap Foreign Emergency CoverageMedicare Coverage Outside of U.S.GeoBlue Travel InsuranceAmerican Cancer Society Facts and Figures
In this essential episode of the Transition to Medicare Podcast, we break down the key milestones and timelines you need to be aware of to transition into Medicare stress-free. Whether you're a few years away or just months before turning 65, understanding when and how to enroll in Medicare, Medicare Advantage, or Medigap can save you time and avoid unnecessary stress.We'll guide you through different stages—from 10 years before turning 65 to the months immediately preceding your birthday. Learn about the critical periods for enrolling in Medicare Part A and Part B, the implications of the IRMAA based on your income, and the advantages of different plans such as Medicare Advantage or Medigap. Plus, find out how to navigate changes if you're enrolled in employer group health insurance and how to compare it with Medicare options effectively.Don't miss our take on the overwhelming amount of Medicare information out there. Stay tuned for practical advice on handling your enrollment as the big day approaches. Subscribe to stay updated on all things Medicare, and visit our website at gmedicareteam.com for personalized support from our expert brokers. Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at https://gmedicareteam.com/. Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group. While you're at it, check out our Google Reviews! Please get added to our mailing list so we can stay in touch with you.Sources:Average Medicare Advantage Premium 20242024 Medicare CostsMedicare Application FormsHow to sign up for Medicare2023 Medicare Trustees Report
Ever found yourself pondering the complexities of changing your Medicare Supplement (Medigap) coverage? You're not alone. Whether you're eyeing a switch from one Medigap plan to another, considering a transition to Medicare Advantage, or simply looking to update your Part D coverage, this episode of the Giardini Medicare Podcast is your go-to resource. Join Cameron Giardini and Joanne Giardini-Russell as they delve into the nuances of Medigap changes. This episode isn't just about what to do; it's about understanding your options and the optimal times for making changes, underscored by different scenarios and streamlined processes. Whether it's leveraging the Medigap Open Enrollment Period, navigating the waters of Guaranteed Issue Rights, or tackling underwriting challenges, we've got you covered. Plus, for those considering a switch to Medicare Advantage or merely tweaking their Part D plan, we break down the critical timelines and procedures to ensure a seamless transition. Remember, changing your Medigap coverage isn't a decision to take lightly. With the right knowledge and guidance, you can make choices that best suit your health and financial well-being. Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:List of Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf
In this episode, we're tackling a common question among Medicare Advantage enrollees: How do you switch to a new Medicare Advantage plan or transition to Medicare Supplement (Medigap) and Part D coverage? If you're considering a change or want to understand your options, this is for you.Hosted by Cameron Giardini and Joanne Giardini-Russell of Giardini Medicare, we provide clear, actionable information on navigating Medicare changes. Our agency, based in southeast Michigan, assists consumers across 13 states in finding suitable Medicare coverage. For those living outside of these states, we connect you with reliable agents who can help.In This Episode:- An introduction to Medicare Advantage plans and how they compare to Original Medicare.- A breakdown of when and how you can switch Medicare Advantage plans or move to Medigap and Part D coverage.- Real-world examples to illustrate the change process and what to expect.Before you go, consider subscribing for more Medicare insights and visit our website for personalized support. Schedule a call with our licensed brokers at gmedicareteam.com or contact us at 248-871-7756 for direct assistance.Tune in to demystify the process of changing your Medicare Advantage plan and equip yourself with the information needed to make informed healthcare decisions.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Advantage Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periodsMedigap Guaranteed Issue Rights: https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
Ever heard Medicare myths that made you think twice? This episode cuts through the confusion, debunking the most common Medicare myths to help you avoid costly mistakes. From the real costs of Medicare to eligibility misconceptions, we're covering essential truths:- Medicare Isn't Free: Unpack the real costs behind Part A, Part B, and why Medicare Advantage or Medigap might cost you extra.- Not Everyone Needs Medicare at 65: Discover when you can delay enrollment without penalties, depending on your current health coverage.- Medicare Before 65: Learn how disabilities, ALS, or ESRD can qualify you for Medicare earlier than you thought.- No Family Coverage: Medicare coverage is individual—what this means for you and your loved ones.- Enrollment Isn't Automatic: Find out when you need to sign up for Medicare yourself to avoid being left without coverage.- Medicare Advantage vs. Supplements: Clearing up the confusion between these two very different options.- Changing Plans Can Be Simple: Demystifying the process of switching your Medicare or Medigap plans.Tune in for a straightforward breakdown, designed to guide you through the Medicare maze with ease. Subscribe for more insights, and don't hesitate to reach out for personalized assistance. Do you have questions or experiences to share? Drop us a comment below!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Savings Program QualificationsSSA Full Retirement AgeMedicare Card with Medicare Advantage2024 Medicare CostsMedicare Guide for Turning 65Medicare Eligibility Under Age 65
In this episode of our podcast, we delve deep into the intricacies of Medicare Advantage (Part C) plans, a popular choice among Medicare beneficiaries. With many $0/month premium options that offer additional benefits not covered by Original Medicare, many are left wondering, "What's the catch?" Join us as we answer that very question!Key HighlightsUnderstanding Medicare Advantage: A concise overview of how these plans work, their history, and why they're an attractive option for seniors.Funding Insights: Insight into the funding process, including federal budget impacts and the shift in Medicare payments towards these plans.Differences Unveiled: A look at how Medicare Advantage and Original Medicare funding diverge, emphasizing the capitated payments model.Key Terms Explained: Simplified explanations of benchmarks, risk scores, and quality payments, and their roles in Medicare Advantage funding.Challenges Addressed: Discussion on the systemic issues like risk adjustment, coding practices, and their implications for beneficiaries and Medicare's future.Our Take: Reflecting on the balance between offering valuable benefits to beneficiaries and the financial realities facing Medicare Advantage plans.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: We used far too many sources in the making of this episode to list here, but here is a link to a Google doc that includes the sources so you can take a look and do a deep dive on your own! https://docs.google.com/document/d/1kpE8TX-cXcEzVK5FFbZ7EUcgdD3qfdIRLFXxiuHefx0/edit?usp=sharing
Dive into our latest podcast episode where we tackle some of the most pressing Medicare questions asked by our audience! From Medigap enrollment nuances to managing Health Savings Accounts post-65, we've got you covered. This episode is a treasure trove of insights, ensuring you navigate Medicare with confidence and ease.Key Highlights:Medigap Enrollment Post-65: Discover if you're eligible for Medigap after delaying Medicare Part B.HSA and Medicare: Learn how enrolling in Medicare impacts your Health Savings Account.Avoiding the Donut Hole: Strategies to manage medication costs and avoid the Medicare coverage gap.Medicare Advantage for Under-65s: Understand why Medicare Advantage plans are often recommended for those eligible before 65.Switching Medigap Plans: Explore the possibilities of changing your Medigap plan with your current provider.Why Listen:This episode is packed with practical advice, demystifying Medicare and empowering you with the knowledge to make informed decisions. Whether you're just transitioning to Medicare or looking to optimize your current plan, this episode is a must-listen!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:States' unique Medigap underwriting rulesMedigap Pricing Under age 65 in VirginiaMedigap pricing for those under age 65Official Choosing a Medigap Policy HandbookNew 2023 Part B SEPs from BENES act
Whether you're a first-time enrollee or a seasoned Medicare beneficiary, understanding yearly Medicare cost changes is key to managing your healthcare expenses effectively. In this episode, we cover everything from Original Medicare costs to Medicare Advantage, Medigap, Part D, and even unexpected Medicare costs, ensuring you're well-prepared for the year ahead.Original Medicare Costs for 2024:Part A Premiums: $0/month for most, up to $505/month based on work history. Part B Premiums: A base premium of $174.70/month. Part B OOP Costs: $240 yearly deductible, 20% coinsuranceMedicare Advantage Costs:Average Premium: $18.50/month, with 66% of plans offering $0/month premiums.Out-of-Pocket Costs: Maximum in-network MOOP of $8,850Medigap (Medicare Supplement) Costs:Premiums vary by plan letter and geography, with significant differences across states and insurance providers.Out-of-Pocket Costs: Affected by the annual Part B deductible changes.Part D Prescription Drug Plan Costs:Average Premium: $55.50/month, with a wide range of premiums available.Deductibles and Coverage Limits: Maximum deductible of $545, with the initial coverage limit increased to $5,030.Unexpected Medicare Costs:IRMAA: Additional charges for higher-income individuals.Penalties for late enrollment in Part B and Part D.Future Projections for Medicare Costs:Insights from the latest Medicare Trustees' report on expected cost increases in the coming years.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:2024 Original Medicare Costs2024 Max out-of-pocket limitPart D 2024 Landscape FileKFF 2024 Medicare Part D Costs
In this latest episode, we dive into the world of Medigap plans for 2024, guiding you through the maze of Medicare Supplements. Perfect for those transitioning to Medicare, we address the vital question: "Which Medigap plan is right for me?"Key Segments:1. Understanding Medigap Plans: A brief yet comprehensive overview of Medigap plans, explaining their role alongside Original Medicare.2. Popular Plans - F, G, N: We examine the pros and cons of the most sought-after plans F, G, and N, helping you identify which aligns with your healthcare needs.3. Exploring Lesser-Known Options: We shed light on other Medigap plans that might be the right fit for your unique situation.4. Long-Term Financial Implications: Understand the long-term cost impact of each plan choice, ensuring your decision is financially sound for years to come.Highlights:Plan F: Coverage details, eligibility, and suitability.Plan G: Ideal candidates for this comprehensive coverage plan.Plan N: Balancing affordability with coverage - is Plan N for you?High Deductible Plans: The pros and cons of plans like high deductible plan G.Geographical Factors: How your location influences plan choice and pricing.Cost Analysis: A concise comparison of long-term costs for key plans.Conclusion:Discover the ideal Medigap plan for your needs in 2024 with our insightful episode. Whether you're considering Plan G's comprehensive coverage, Plan N's value, or other options, we provide the clarity you need for a confident Medicare transition.Join us for a concise, informative exploration of Medigap plans. Tune in now!
Join us in our latest podcast episode as we unravel the critical debate of Medicare Advantage vs. Medicare Supplements in 2024. This episode is essential for anyone on Medicare, providing insights into making the most informed decision for your healthcare needs.Inside This Episode:1. Original Medicare Overview: Quick guide to Part A and B, highlighting the necessity of being enrolled in both parts of Original Medicare before enrolling in MAPD or Medigap coverage.2. Medicare Supplement (Medigap) Coverage: Explore the role of Medigap in filling Original Medicare's coverage gaps, focusing on popular plans like G, N, and high-deductible Plan G.3. Medigap Pros and Cons: Analyze the benefits and drawbacks, including benefits like nationwide provider access and negatives such as potential premium increases.4. Understanding Medicare Advantage Plans: Learn about Medicare Advantage as a private alternative to Original Medicare, including Part D coverage.5. Medicare Advantage Pros and Cons: Discover the advantages of low premiums and extra benefits, balanced against network restrictions and possible higher out-of-pocket costs.6. Making the Right Choice: Insights into long-term planning and choosing between Medigap and Medicare Advantage.7. Enrollment Trends: Current trends in Medicare Advantage and Medigap enrollments, with a focus on future implications.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: 2024 Average Medicare Advantage PremiumsKFF Medicare Advantage LandscapeMedPAC Medicare Advantage Enrollment NumbersTelos Actuarial Medigap Report
Are you overwhelmed by the flood of Medicare advertisements? Dive into our latest episode, where we unravel the complexities of Medicare advertising. We'll dissect the current trends, give voice to consumer opinions, and arm you with essential tips to sidestep misleading advertisements. This episode is a must-listen for anyone navigating the Medicare landscape or seeking clarity in the sea of Medicare marketing.Understanding Medicare Marketing Trends: Explore the dominance of Medicare Advantage plan advertisements, and what this means for you. Consumer Insights on Medicare Ads: Hear what real Medicare consumers think about the advertisements they encounter. We delve into KFF focus group results for authentic consumer perspectivesDecoding Advertisement Promises: We critically analyze the promises made in Medicare ads. Are lower Part B premiums and added benefits as good as they soundIndependent Brokers vs. Big Ads: Uncover the different advertising techniques of independent brokers and how they differ from mainstream ads. Learn how to identify trustworthy brokersEvading Misleading Medicare Ads: Equip yourself with practical tips to avoid falling for misleading Medicare advertisements. We guide you on how to find reliable Medicare informationPlease register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:KFF how health insurers and brokers advertise MedicareKFF Consumer Opinions about Medicare MarketingKFF 2024 Medicare Advantage First Look informationMAPD Enrollment Numbers
In this essential episode, we tackle the vital question for seniors approaching 65: "Do You Need Medicare?" We provide a guide through Medicare eligibility and decision-making, focusing on those turning 65.1. Medicare Eligibility Overview: We start with an overview of Medicare eligibility, particularly for those reaching 65. This includes insights into eligibility criteria for different groups and a link to a detailed Medicare eligibility calculator.2. The Medicare Enrollment Decision: We debunk the myth that everyone must enroll in Medicare at 65, explaining how your current health coverage influences this decision. We'll discuss when Medicare is essential and when it might be optional.3. Current Coverage vs. Medicare: Learn how your existing health insurance, including employer group health coverage, retiree plans, and COBRA, interacts with Medicare and understand the implications of the 20-employee threshold.4. Enrolling in Medicare: Yes or No? We guide you through scenarios where enrolling in Medicare at 65 is beneficial and situations where it might be unnecessary, offering a practical comparison of employer health insurance versus Medicare options.5. Next Steps as You Approach 65: We outline the steps to take whether you decide to enroll in Medicare or delay it, including automatic enrollment details and actively enrolling through SSA.gov.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Eligibility CalculatorCMS Turning 65 Decision GuideCMS Guidelines for Medicare EligibilityMedicare Secondary Payer ManualPre-Tax Employer Insurance
Frustrated with Medicare complexities? We've compiled the most pressing questions from our listeners and social media followers to deliver you the answers you need – no personal information required. From avoiding invasive marketing calls to preparing for interstate moves, and understanding the nuts and bolts of choosing a Medigap plan, we're here to clarify the Medicare maze.Tune in for insightful discussions, including:- Safeguarding Personal Information: Learn how to get Medicare Advantage and Medigap quotes without compromising your privacy, and the truth behind those persistent marketing calls.- Medicare and Moving States: The implications of relocating on your Medicare Advantage, Medigap, and Part D plans, plus the benefits of a Special Enrollment Period (SEP).- Medicare Agent 101: What it takes to become a knowledgeable Medicare agent – beyond the licenses and certifications.- Future-Proofing Your Medicare Knowledge: Understanding the inevitable rise in Medicare Part B premiums and why it's important not to dwell on the specifics too far in advance.- Navigating the Trial Rights: The intricacies of the Medicare Advantage trial period and what it means for your ability to switch to Medigap.- The Medigap Plan G Conundrum: Why prices differ for seemingly identical plans and tips for selecting the right one for you.Remember, we're doing Q&A episodes every few months – so keep your questions coming and stay tuned for more empowering discussions!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: KFF Part D changes for 2024 and 20252023 Medicare Trustees Report2023 Choosing a MedigapMedicare Secondary Payer GuidelinesDNC Registry
Welcome to our comprehensive episode about Medicare Part D. Are you approaching 65 and feeling confused about your prescription drug coverage options? You're not alone. In this episode, we break down everything you need to know about Medicare Part D coverage so you can make informed decisions about your health.
Navigating Medicare can sometimes feel like a maze, and that's exactly what we're unpacking in our latest podcast episode about the ins and outs of Medicare coverage. In this comprehensive episode, we explore:- Medicare Part A: What does it mean by "room and board" in a hospital?- Medicare Part B: From doctors to preventive services, we discuss the medical insurance part of Medicare.- Medicare Advantage: A bundled alternative to Original Medicare—what does it really offer?- Medicare Part D: Navigating the labyrinth of prescription drug coverage.- Medigap Coverage: How to fill the gaps left by Original Medicare.- What Medicare Doesn't Cover: Knowing the limits can save you from unexpected costs.IMPORTANT: Be aware that coverage does not mean zero cost to you. Coinsurance or out-of-pocket costs often apply. Also, you must use Medicare-approved providers for coverage.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Definition of Medical NecessityMedicare Coverage DatabaseMedicare MAC'sMedicare and You HandbookMedicare Benefit Policy ManualSkilled Nursing 3 Midnight RuleDrugs not covered by MedicareUnderstanding Medicare AdvantageOIG Prior Authorization Report
This episode provides the A-Z Guide to Picking Your Medicare Part D Plan!Confused about how to pick the perfect Medicare Part D plan? You're not alone! In today's episode, we're breaking down the maze of Part D coverage in simple, easy-to-understand language. Get ready to become a savvy consumer of prescription coverage!
Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:Milliman Urban vs. Rural ReportKFF 2023 Medicare Advantage LandscapeKFF 2023 Part D LandscapeExample Medigap Underwriting GuideLIS Income and Resource LimitsSPAP Availability ChartKFF 2023 Medicare Advantage Enrollment Trends
In today's episode, we unlock the secrets to a seamless transition to Medicare for those approaching 65. Dive deep with us as we delve into these crucial topics: Understanding Medicare Options Early: Time it Right! Begin your exploration about a year before turning 65. Familiarize yourself with topics, terminology, and even the nitty-gritty of Medicare Advantage vs. Medigap coverage.Parts of Medicare Decoded: From Original Medicare (Part A and B) to the differences between Part C (Medicare Advantage) and Part D (prescription drug coverage), we break down the complex world of Medicare for you.Medicare Advantage vs. Medigap: It's the pivotal decision every Medicare enrollee grapples with. We guide you through the specifics so that you can choose wisely.The True Costs of Medicare: Get the lowdown on what you'll pay for Medicare. We discuss Original Medicare costs, Medicare Advantage, Medigap, and the vital programs that offer financial assistance.Tackling Lesser Known Medicare Scenarios: Medicare's interaction with COBRA, HSAs, and the Marketplace can be intricate. We demystify these scenarios for you, ensuring you don't miss out on crucial details.Join us as we also share invaluable tips on when and where to gather information about Medicare, highlight the importance of consulting independent brokers, and emphasize the pitfalls to avoid. We've got everything covered to ensure your transition to Medicare is as smooth as possible. Tune in now!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources:2023 Average Part D PremiumKFF Ranges of Part D Premiums2023 Part B Premiums and IRMAAMedicare and Marketplace guide
Join us in this new episode of the "Transition to Medicare Podcast," where we unravel the intricacies of Medicare, VA coverage, and the synergy between the two. We're diving deep into VA health benefits, from eligibility and priority levels to copays and coordination with Medicare. Discover how programs like Tricare for Life and CHAMPVA function alongside Medicare, and learn why "when in doubt, fill it out" is a mantra for VA health benefits. Should you enroll in Medicare Advantage or Medigap coverage if you have additional coverage through the VA, Tricare for Life, or CHAMPVA? Find out in this episode. Whether you're a veteran seeking guidance or want to understand the landscape of healthcare options, this episode is packed with insights and essential resources. Don't miss out; tune in now to learn more about navigating the vast Medicare and VA coverage world!
Welcome to our latest podcast episode! In this episode, we delve into the intricacies of applying for Medicare past the age of 65. Whether you've delayed due to active employer coverage or other reasons, we've got you covered. We'll discuss why you might delay Medicare, the process of applying for Part B only or both Part A and Part B and what to do if you've delayed without active employer coverage. We'll also explore the General Enrollment Period (GEP) and the new Special Enrollment Periods (SEPs) for 2023. Tune in to learn about the Medicare application process, avoid penalties, and make informed decisions about your healthcare coverage. Don't forget to subscribe for more episodes and check out our free online course at gmedcourse.com for a comprehensive guide to Medicare.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Source: New Part B Special Enrollment PeriodsPart B Special Enrollment PeriodEvidence if you can't get an L564Online Part B Special Enrollment LinkOnline application to enroll in Part A and Part BMedicare Guidelines for 20 EmployeesCMS L564CMS 40B
Navigate the complex Medicare and COBRA insurance world with this informative episode. We dive deep into the intricacies of COBRA and Medicare, highlighting key points of eligibility, costs, and their nuanced interactions. Avoid common mistakes, understand their impact on your coverage, and make informed decisions for your health insurance needs. Tune in to empower yourself with critical knowledge, avoid costly missteps, and transition smoothly to Medicare. A must-listen for anyone dealing with healthcare decisions, preparing for retirement, or simply wanting to understand the perplexing world of health insurance. #Medicare #COBRA #HealthInsurance #Podcast #Informative #RetirementPlanning #HealthcareDecisionsPlease register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: What is COBRA? Information about COBRA from CMSDOL Guidebook for Employers with COBRADOL Guidebook for Employees with COBRALength of COBRA EligibilityMedicare Secondary Payer ManualUHC COBRA and Medicare billing issuesCMS Medicare Secondary Payer Guide
Welcome to the "Transition to Medicare" podcast, your ultimate guide to all things Medicare. Our upcoming episode explores the lesser-known terrain of high-deductible Medicare Supplement plans - High Deductible Plan F and High Deductible Plan G. Dive into an enriching discussion that deciphers Medigap plans and their intricacies. We illuminate how high-deductible Medigap plans operate, their appeal to specific consumer groups, and the key differences between common Medicare Supplements and their high-deductible versions.We'll decode the often-misunderstood healthcare deductible concept and explain how it applies to high-deductible Medigap plans. Discover the actual financial impact of these plans, including potential rate increases over time and why these plans can sometimes be the better economic choice.To ensure a comprehensive understanding, we will compare the costs of these high-deductible plans with other popular Medigap plans, such as Plan G and Plan N. We also examine the eligibility criteria, the essential role of your personal health and risk tolerance, and how to gauge the appropriateness of high deductible plans for your unique circumstances.Lastly, we highlight critical future considerations when choosing these plans, addressing common misconceptions and what to remember if you try to switch to a Medigap plan with more coverage in the future.This episode is a must-listen if you're looking to cut through the clutter and get the real scoop on high-deductible Medigap plans.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: High Deductible limits over the yearsAARP Out of pocket spending studiesOfficial 2023 Medicare and You Handbook
This comprehensive episode starts with the basics, clearly stating what Medicare truly is and who is eligible to benefit from it. We'll explore the complexities of costs, diving deep into the specifics of premiums, deductibles, copayments, and out-of-pocket limits. Understand how and when to enroll without falling into the late enrollment penalty trap. We'll delve into the essential coverages of Original Medicare, specifically Part A (hospital insurance) and Part B (medical insurance), so you know what's covered and what's not. And it's not just about the available plans – we'll also guide you on how to make informed choices that fit your healthcare needs and lifestyle. Moving away from the usual debate between Medicare Supplement (Medigap) and Medicare Advantage, this episode is about equipping you with the knowledge to navigate Medicare's labyrinth easily. Prepare to enhance your healthcare literacy, make informed decisions, and steer your Medicare journey with conviction. Don't miss out on this opportunity to empower your healthcare journey!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources for the episode: Medicare Eligibility CalculatorDefinition of MedicareMedicare Creation HistorySSA Source about Medicare Basics99% of people get premium-free Part AWhat Medicare CoversSpouses work history for Premium-Free Part ASSA regulation for using a spouse's work history
In this episode of the Transition to Medicare podcast, we demystify the often misunderstood topic of Medigap premium increases, offering listeners comprehensive insights into the complexities of Medicare Supplement plans. As you approach 65 and consider your Medicare options or continue on your Medicare coverage, it's crucial to understand what factors into Medigap premium increases. This episode uncovers key aspects such as 'loss ratio' and the practice of insurance companies opening and closing blocks of business. We debunk common myths and present clear explanations, helping our listeners make well-informed decisions about their Medigap plans. Our podcast is designed to make the transition to Medicare less daunting, giving you the confidence to navigate your way toward suitable coverage. Tune in for an indispensable discussion, and leverage these insights to help strategize for your future healthcare needs."Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: How Medigap plans are ratedBlock of business definitionHistorical Medigap Rate Increase DataLink to document with different Medigap underwriting rules per state
Are you curious about how Medicare brokers earn their living and how this may impact you, the consumer? In this enlightening episode, we pull back the curtain on the commission structures for selling Medicare products, shedding light on the often-misunderstood world of Medicare commissions. We unravel how brokers are paid, from selling Medicare Advantage and Medigap plans to hidden incentives that add to their earnings. Learn the distinction between initial and renewal plans and how commission rates differ for various products. Get an in-depth understanding of the Medicare Advantage and Medigap commission structures, backed by real-world examples and precise calculations. We'll also compare these two plans to see which is more lucrative for brokers. Additionally, we'll expose the hidden incentives, including new carrier bonuses, underwritten bonuses, and reward trips, and discuss how they affect a broker's decision and earnings. Join us as we debunk the mysteries of this industry, fostering transparency for Medicare beneficiaries.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.Sources: Senator Warren Hidden Incentives ReportCMS Broker Compensation DataMore Broker Commission DataAgent Commission Impacting Consumer ChoicesExample of Medicare Broker Incentive Reward Trips
Medicare supplement plans can be a great way to fill the gaps in your Medicare coverage, but there are common mistakes that can have costly consequences. In this episode, we'll cover mistakes such as not considering Medigap coverage during your open enrollment period, not considering the cost of the plan, choosing the cheapest plan, not understanding the coverage, and not comparing plans when you are first enrolling. In this episode, we will provide valuable insights and tips for avoiding these mistakes and making informed decisions about your Medicare supplement plan. If you're looking for ways to optimize your Medicare coverage, tune in to this episode for valuable information that can save you time and money. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources:Issue vs. Age vs. CommunityMassachusetts Medigap CoverageChoosing a MedigapMedicare and You 2023Humana: What is Part D?Links to different states with unique Medigap underwriting rules: Washington, Oregon, California, Nevada, Idaho, Illinois, Missouri, Louisiana, Maryland,
In this podcast, we will be discussing the top five biggest mistakes people make when choosing a Medicare Advantage plan. Medicare Advantage plans can be confusing, and making the wrong choice can have costly consequences. We will cover common mistakes such as not checking if your doctor is in-network, not comparing plan costs, not reviewing prescription drug coverage, not taking advantage of additional benefits, and not reviewing the plan annually. We will provide tips and strategies for avoiding these mistakes and making the most out of your Medicare Advantage plan. If you or someone you know is considering a Medicare Advantage plan, this podcast is a must-listen!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources: KFF Medicare Advantage Extra Benefits: https://www.kff.org/medicare/issue-brief/extra-benefits-offered-by-medicare-advantage-firms-varies/CMS "What's a Medicare Advantage plan?": https://www.medicare.gov/sites/default/files/2018-07/11474.pdfWhy do Medicare Advantage plans have narrow networks?: https://www.urban.org/sites/default/files/publication/99414/why_do_medicare_advantage_plans_have_narrow_networks.pdfKFF Medicare Advantage Landscape: https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2022-enrollment-update-and-key-trends/
Are Medicare Advantage plans as bad as people on social media make them seem? Should you just enroll in a Medicare Supplement plan instead?Some of the "pros" of Medicare Advantage plans include:- They often provide extra benefits that are not covered by Original Medicare- Low monthly premiums (often $0/month)- Prescription drug coverage is typically included in Medicare Advantage coverage- Maximum out of pocket that Original Medicare does not have- Ability to change from one Medicare Advantage plan to another Medicare Advantage plan without health questionsSome of the "cons" of Medicare Advantage plans include:- Prior Authorization- Potential referrals to see in-network specialists- Networks of providers- Potentially higher medical costs compared to Medigap plans- Yearly contracts with benefits that can and will change every year*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources: Understanding Medicare Advantage Plans PDFHow does Medicare Advantage plans work?Services covered by Medicare AdvantageKFF Medicare Advantage in 2022 StudyOfficial CMS Medicare and You HandbookKFF Study about Medicare Advantage Prior AuthorizationMedicare.gov things to know about Medicare Advantage
Are Medicare Advantage plans more popular and better than Medicare Supplement plans now? Should you still consider enrolling in a Medicare Supplement plan?Some of the "pros" of Medigap plans include:- Freedom to see providers across the country that accept Original Medicare- Low out-of-pocket medical costs- Prior authorization is very rarely ever needed- Plans are guaranteed to renew as long as you pay your monthly premiums- Premium increases are not determined by your individual claimsSome of the "cons" of Medigap plans include:- Medigap plans rarely cover services not covered by Original Medicare (like routine physicals)- Higher monthly premiums than Medicare Advantage plans, and premiums increase over time- Prescription coverage is not included and must be purchased separately- You may not be able to change to a new Medigap plan in the future*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources: Medicare and You Official HandbookOfficial Choosing a Medigap Policy Guide
*Sources are at the bottom of the show notes*Medication prices seemingly continue to increase year over year, so we want to provide as many solutions as we can to help you save money on your regular prescriptions. Part D and Medicare Advantage coverage are just one small part of the puzzle when it comes to what you might pay for prescriptions while on Medicare. Make sure you look at all options outside of your insurance coverage if you are prescribed expensive medications. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources for this episode (click on the link): 340B Pricing ProgramFormulary ExceptionsApplication for Low-Income SubsidyDefinition of Low-Income SubsidyWaiver of Part D Penalty for those with LISKFF impacts of Inflation Reduction Acts on prescriptionsOverview of the 340B program2023 income and resource limits for LIS qualificationsMedicare Interactive LIS OverviewAmazon RxPass eligible medicationsPharmaceutical assistance information from CMSList of states with prescription assistance programs340B Facility Location FinderPharmacychecker.com
You may have already heard that Medigap plans are "standardized" which means that Medigap plans with the same plan letter provide the same basic medical coverage. But then, the question you may be asking is, "which Medigap plan letter is right for me?". This is exactly what we took the time to answer in today's episode. Plan N and Plan G have both become the most popular Medigap plans in the past few years. But which one is better?Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources for this episode: Medicare and You 2023 HandbookNAIC Plan N Official GuidanceMedicare Interactive's definition of excess chargesPsychiatry.org non-participating vs. participating providersLearn about MOM States that don't charge excess chargesKFF how many providers have opted out of MedicareKFF financial protections for Medicare patientsAPA guide to participating vs. non-participating providers
One of the biggest questions we are often asked when people are making their transition to Medicare is "what about dental coverage?". Many people mistakenly think that Medicare provides coverage for routine dental services and procedures, only to be shocked that this isn't actually the case. This doesn't mean you won't have any options for dental coverage once you start Medicare, but we will use today's episode to help you better understand what your options may be. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources:Medicare Interactive, Medicare and Dental Care: https://www.medicareinteractive.org/get-answers/medicare-covered-services/limited-medicare-coverage-vision-and-dental/medicare-and-dental-careTelos Actuarial Dental Loss Ratio Data: https://www.telosactuarial.com/blog/individual-dental-market-snapshot-2022NAIC Accident and Health Report: https://content.naic.org/sites/default/files/publication-ahp-lr-accident-health-report.pdfKFF 2023 Medicare Advantage Spotlight: https://www.kff.org/medicare/issue-brief/medicare-advantage-2023-spotlight-first-look/#:~:text=In%202023%2C%2040%25%20of%20all,2019%20to%201%25%20in%202023.KFF Medicare and Dental Closer Look: https://www.kff.org/medicare/issue-brief/medicare-and-dental-coverage-a-closer-look/MAC vs. UCR Dental: https://www.beambenefits.com/post/mac-vs-ucr-dental-plans-whats-the-difference
When it comes to your Medicare insurance options, we often point out the fact that your choices essentially come down to a Medicare Advantage plan or a Medicare Supplement (Medigap) plan. With millions of Medicare beneficiaries making this same decision, we are often asked, "which option do most people choose?". Ultimately, that choice will be based on your individual budget, wants, and needs but in today's episode, we will break down national trends and talk about the data to find out whether Medicare Advantage or Medigap plans are the most popular choice for those on Medicare. See our sources for today's episode at the end of this description (there are a lot!). Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.Sources:2022 Medicare Trustees ReportASPE Medicare Enrollment TrendsCMS Medicare Monthly Enrollment Data2022 Telos Actuarial Future of Medicare Supplement ReportKFF 2023 Medicare Advantage SpotlightCMS 2023 Average Medicare Advantage and Part D PremiumKFF 2022 Medicare Advantage Enrollment TrendsKFF 2023 Part D Data2022 AHIP State of Medicare Supplement Coverage2021 NAIC U.S. Health Insurance Industry Analysis Report
Many Medicare beneficiaries are surprised to learn that there are more enrollment periods than just the Annual Election Period from October 15th - December 7th. If you are currently enrolled in Medicare coverage that you are considering changing sooner than later, this is the episode for you!Sources for today's episode: Part D costs moving if you move plans: https://q1medicare.com/faq/FAQ.php?faq=Will-Part-D-TrOOP-transfer-if-I-switch-plans-midyr&faq_id=369Medicare Special Enrollment Periods: https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan/special-circumstances-special-enrollment-periodsMedicare Advantage costs if you change plans: https://q1medicare.com/faq/FAQ.php?faq=Will-MOOP-transfer-if-I-switch-Medicare-Advantage&faq_id=609States with unique Medigap underwriting rules: https://www.medicareresources.org/medicare-eligibility-and-enrollment/the-birthday-rule-a-gift-to-medigap-enrollees/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
In today's episode, we discuss the key provisions of the BENES act that were passed back in late 2020 as part of the year-end spending bill. This new law is designed to limit Medicare enrollment mistakes that have previously harmed seniors. Here are some of the links to the sources we talked about during this episode: Link to the entire Consolidated Appropriations Act: https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdfLink to new Part B Special Enrollment Periods being created: https://www.cms.gov/newsroom/fact-sheets/implementing-certain-provisions-consolidated-appropriations-act-2021-and-other-revisions-medicare-2 BENES Act 2.0: https://www.medicarerights.org/medicare-watch/2022/02/24/senators-introduce-the-bipartisan-benes-2-0-act-to-further-simplify-medicare-enrollment760,000 exposed to Part B penalty: https://www.pennlive.com/news/2019/07/why-medicares-late-fees-mean-a-lifetime-of-higher-costs.htmlAll other sources: http://nahu.org/membership-resources/medicare-portal/legislative-informationhttps://www.medicarerights.org/medicare-watch/2022/11/03/important-rules-implement-key-benes-act-provisions-to-simplify-medicare-enrollmenthttps://www.govinfo.gov/content/pkg/FR-2022-11-03/pdf/2022-23407.pdfGiardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
The Medicare Annual Election Period (AEP) is coming to an end on December 7th. Now is the time to start finalizing your decisions for your 2023 Medicare coverage. In this episode, we will remind you what you should do to find the right coverage for next year. There are also some important changes coming to Medicare for 2023, and here are the links so you can learn about those changes in more detail: Link to the 2023 Medicare premiums and out-of-pocket costs: https://www.cms.gov/newsroom/fact-sheets/2023-medicare-parts-b-premiums-and-deductibles-2023-medicare-part-d-income-related-monthlyLink to an overview of the BENES Act that will be implemented for the first time in 2023: https://www.cms.gov/newsroom/fact-sheets/implementing-certain-provisions-consolidated-appropriations-act-2021-and-other-revisions-medicare-2Link to the prescription drug benefits being implemented by the Inflation Reduction Act starting in 2023: https://www.kff.org/medicare/issue-brief/explaining-the-prescription-drug-provisions-in-the-inflation-reduction-act/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
When it comes to Medicare, Prescription Drug coverage (also called Part D) is often the most confusing and misunderstood piece of coverage that you will encounter. There are only a few different "phases" of Part D coverage, but each one can and likely will impact you financially when you go to the pharmacy to fill prescriptions. Because this topic can be hard to understand without visual information, here are some links to articles that can help you visualize what we talked about in today's episode: four phases of Part D coverage: https://www.medicareinteractive.org/get-answers/medicare-prescription-drug-coverage-part-d/medicare-part-d-costs/phases-of-part-d-coverageUnderstanding the True out-of-pocket cost (Troop): https://q1medicare.com/PartD-WhatIs-TheTrueOutOfPocketExpense.php#:~:text=TrOOP%20costs%20are%20those%20prescription,the%20Donut%20Hole%20is%20%247%2C400.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
When we help our clients with their transition to Medicare, we often hear people ask "will my pre-existing health conditions stop me from getting the Medicare coverage I want?" This is the exact question that we answer in this episode. There is a misconception that pre-existing conditions no longer matter when it comes to choosing Medicare coverage and that is not always the case!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
Medicare brokers are independent insurance agents that contract with many different insurance companies offering both Medicare Advantage plans and Medicare Supplement (Medigap) plans. Especially during the Annual Election Period from October 15th - December 7th it is important to compare your Medicare options for the upcoming year. This is exactly where a good independent Medicare broker can help! Instead of calling dozens of insurance companies, they can compare the plan options available in your location and eventually enroll you in a plan that is right for you. If you want to connect with our agency or another independent broker in your area, click this link!: https://gmedicareteam.com/mapGiardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
It's that time of year again! The weather is getting colder, the days are getting shorter, and to make it all just a little bit worse; Joe Namath and JJ Walker are constantly reminding you to "CALL NOW"But what are these commercials actually trying to sell you? That is exactly what we discuss in this episode. Learn about the extra benefits "you deserve". Discover how you can "get money back in your Social Security"... Are these commercials flat-out scams, or is there an element of truth to what they are pitching?Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
The Annual Election Period of time is fast approaching. October 15 through December 7 is a time period that allow you to make certain changes to your Medicare coverages. What changes can you make?What changes might you want to consider and why?What is your timing for things should you want to make a change?Don't let this window go by if there's something you'd like to change. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
If you know that you want to enroll in a Medicare Supplement (aka Medigap) plan when you become eligible for Medicare, the next step is figuring out which plan is actually right for you!You can use the process that we discuss in this episode so that you can confidently narrow down your plan options to enroll in the Medigap plan that fits your needs and lifestyle. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
Some pretty significant changes are coming to Medicare. Listen in to see what might affect you. Please share with family and friends that might find the information helpful as well. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
If you know that you want to enroll in a Medicare Advantage plan when you become eligible for Medicare, the next step is figuring out which Medicare Advantage plan in your area is actually right for you!Medicare Advantage plans each come with unique benefits, networks, prescription coverage, and more! You can use the process that we discuss in this episode so that you can confidently narrow down your plan options to enroll in the Medicare Advantage plan that fits your needs and lifestyle. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews! And, please get added to our mailing list so that we can remain in touch with you.
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