Maximizing Medicare with Paul Sheldon

"Gospel" means Good News.  Medicare and acupuncture.  Part B and when acupuncture is covered.  Plan G and increasing deductible in 2026.  Farxiga.  Useful website: pharmacychecker.com.  Dealing with Social Security.

Thanksgiving special.  God enjoys when we give thanks.  Jesus died for our sins.  Biden Harris Inflation Reduction Act.  Mark Cuban and his website: CostPlusDrugs.com.  Deductible increases coming up.

A look at Medishare.  Individual Health plan rates.  Obama Care price increases.  Whether health good or bad, rates are the same.  Long term care insurance.  Saving real people money.  Retired real estate agent saves over $7000/year.

Cutting commisions on drug plans.  Insurance companies no longer paying to sign people up.  Skin substitue spending is up.  Legal issues and reimbursement schemes.  Why Aetna focusing on provider experience.

Fewer companies offering drug plans.  Price increases coming in 2026, max $50/year.  2027: May not have any drug plans.  Government subsidies going away, Insurance companies may have to subsidize. Medicare Supplement Plan price increases.

Which drug plan is #1 for you?  Open enrollment time.  Biden Inflation Reduction Act spent too much money on Green Energy and Climate change funding.  Drug plans cutting commision to $0.  Client stories: Customer save over 13K/yr.  Rise in cancer possibly due to obesity.

 The Good & Bad of Medicare.  Client email shares their story about Medicare HMOs and they weren't interested in Medicare Advantage plan feeling it was substandard care.  Advantage plans bring in more money but aren't that good for the client.  Special Enrollment period.  HRA: Health Reimbursement Arrangement.  MFN: Most Favored Nation clause.

Paul has trouble with his hearing and shares a story about earwax.  Which companies are selling Medicare Advantage plans?  Kaiser Workers on strike.  New prescription drug website: TrumpRX.com.  GoodRx and generic drugs.  Real life couple suffers from health issues.  

Changes to Drug Plans.  Medicare News: Insurance Commissioner Javier Bacerra.  Effects on Drug Plans because of Biden's Inflation Reduction Act.  Insurance Companies asked to subsidize costs, said no and left CA. Medicare Advantage PPO - no more in 2026.

 PPOs for vision care.  Medicare.  Long term care is not covered.  ETTDBC (Eating, toileting, transfering, dressing, bathing, continence)  Life Insurance - it only gets more expensive as we age.  Long Term care Insurance - may need a minimum of $200/day benefits.  Real life appointment: Couple save over $500/month!

Guest General Surgeon Roland Rodriguez.  Universal Health Care: Is it "right"?  Socialized medicine - leads to rationing and scarcity.  Can also compromise quality.  Competition leads to improved quality and reducing costs.  Medical School.  Big Beautiful Bill.

Guest Chris Graham of Graham Financial Group, insurance agent in Florida.  United American Insurance.  Lapse in coverage could lead to rate increase.  How to keep your policy when you move.  Medicare Advantage Plans: pressure to cut costs.  Financial incentive over care.  

Real life example of couple from Frazier Park and an unexpected job loss, they could work in Medicare.  Skin Substitutes - used to replace damaged skin, led to abusive pricing and fraud.  Article " Social Security Shake Up in 2026 - 3 changes for retirees"

Guest Sam Olsen - owner of Sam Olsen Insurance Agency and friends with Paul's son.  We discuss Medicare, skin substitutes, Medicare Advantage Plans, and what to do about Cancer.

Guest Sam Olsen.  Signa PPO dental plans vs HMOs.  Teens & Diabetes.  Health & Human Services recinds undocumented immigrants access to healthcare.  Medicare Plan D - deductibles rising.  Skin substitutes.

Real life appointment: client retiring from school district saves over $7000 per year.  Frank Becher and the importance of calling back people. Minimum 2 per day.  The importance of advertising correctly.

Guest Mike Lennar of "General Insurance Agency".  The importance of picking the right plan for you.  United American and their automatic claims filing.  Medicare advantage plans and why they're a mistake.

Pharmacy Benefit Managers.  Reimbursements not covering cost of drugs.  Wegovy/Zepbound prices fall but access is still limited.  Bill 242 Medicare Supplements coverage and open enrollment period will doom lower prices.

Medicare at risk due to lobbyists.  Proposed law mandates enrollment in Medicare Advantage.  Top 20 Hospitals in the United States. United American is most stable, including rates.

Hims & Hers companies expand into Canada.  Paul recaps his trip to Greece & Turkey.  Understanding Medicare coverage while incarcerated.  Client savings when switched to Medical.  Medicare Advantage Plans & Fraud.

Paul goes to the DMV.  Why its important to take Medicare.  What to look for when finding a dentist.  Whole Life Insurance.  Long term care expenses.  What does the Federal Gov pay for?

Dental & Vision Plans.  Dental coverage explained.  July 4th and USA.  Inflation Reduction Act.  Rising Deductibles.  Co-pay VS Co-Insurance.  Lobbyists and their role.  United Healthcare Fraud Case.

Salvation is a person - Jesus.  Room & Board Rates. Medicare Payment Advisory Commission.  Why Medicare Advantage Plans are not efficient.  Explanation of Medicare HMOs.

Difference in premiums with Medicare Supplements. Importance of Callbacks.  Rite Aid closures.  Cuts to Medicare.  Spousal discounts.

Salvation through Jesus.  Contact Paul 3 months before turning 65.  MEDPAC - Medicare Payment Advisory Commision.  Breakdown of Medicare Advantage Plans.  Not efficient.  HMOs.  Role of Lobbyists.

Getting rates, which are tentative on exam.  Whole life insurance with dividends.  Medicare Supplement Premiums.  The effect of inflation on rates.  Plan G comparisons.  Real life example - Canyon Country couple.

Client story Retired from Kern Co.  HMOs vs PPOs.  Tehachapi Couple retiring.  Medicare Supplement C and why not recommended.  Inflation Reduction Act and difficulty finding medications.  

Social Security Act with FDR.  Lyndon B. Johnson amended so that it includes Medicare.  School district retirees, helped save them $21K per year.  Medicare late enrollment penalty.

Client who's husband passed away, importance of life insurance.  Beware of commercials for Medicare and dental. 5 recommended PPO plans.  Getting rid of Medicaid??

Taxes - filing married or separately: check your Medicare Rates and ask you CPA.  Loss Ratio: Money received vs claim payouts. Medicare Part D.

Beck Jones joins Paul as well as a special Easter message.

Diabetes treatments sky rocket.  Drug prices up.  Patients up 142K to 1.5 million.  Hairloss and ED meds not covered.  "Upcoding" beware of fraud (United Healthcare says accusations are false)  Agentic AI - Using AI as agents to help the customer.  23 and me files for bankruptcy.

When to contact Paul for Medicare - 3 months before turning 65.  Cataracts: various surgeries, Medicare doesn't cover elective surgeries, patient pays the difference.  Dr. Oz and the Center for Medicare and Medicaid.  VA & Tricare.

Discusses Screening, billing cycles, preferred pharmacy and prescriptions.  Business is more than just the bottom line.  Paul helps a client save over $10K a year.

 Ryan's story into self-employment. Selling Medicare Supplement Insurance.  Personality gets you leads. Listen & hear clients. Make friends then sell

Plus-  Owner can sell Term Insurance before it ends.

Plus Appealing late enrollment penalty

Plus  Did United Healthcare put patients at risk.

Plus no more walk ins at local Social Security office.

Plus Hospitals are opting out of Medicare Advantage Plans

Plus Doctors incentives set by Medicare Hikes

 Parents should plan for the time when unable to do daily activities.  Nursing homes, wheelchairs, scooters, etc.  Long Term Health Care Insurance. Life Insurance Policy for kids.  Dividend paying.  Whole Life Policy.

Ridin bikes with pea shooters when young and buying records. DOJ sues CVS over opioid crisis.  CMS states Health Care Spending up - alot to do with anti obesity drugs.  Medicare Advantage Open Enrollment Jan 1 to Mar 31

 Happy New Year.  Biden Inflation Reduction Act. Insulin max $35 co-pay. Dollar Cap $3300 - in 2025 $2000.  Real life example - Man recently divorced - boss will pay Medicare currently $900/mo will be $231/mo saving over $8K a year.  CMS sunsets Medicare Advantage because too costly.

Christmas. Trump and Health Insurance. 2 Most important prepositions in the Bible.  I Peter 1 vs 1-12 - Inheritance imperishable & Galatians 3 - All one in Jesus Christ.

Costs per area - Kern Co lowest.  We prefer United American not about commission. Ex-Retired photographer from $515 to $295 month & drug plan from $170 to $1.80 month.  Inflation Reduction Act and Trump.

Last day for changes to Medicare - can still do online.  Real life appointment - Neighbor's Mom - Plan went from $1170 to $174 per month. PPO mo Medicare VS Medicare Supplement

GEM Care partners with Blue Shield. Gov wants you to pay Medicare Part B premium.    

Thanksgiving Episode, GEM Care Jan 1st move to BFMC.  Medicare Supplement B, Jesus "It is finished". Forgiveness.  Call Paul after Nov. 30th.  

Inspirational Couple with positive attitude save 7K/year, Compare Wegovy prices in US $1350/mo in Germany $100/mo. Medicare Advantage - use caution - client rejected at ER.