Podcasts about deductibles

Join George and Patrick as they dive into key property insurance concepts, unravel complex terms like deductibles and indemnity, and preview upcoming expert-led webinars. This aftershow covers the … Read More » The post IJA Aftershow: Patrick Wraight appeared first on Insurance Journal TV.

Understanding aircraft physical damage & liability coverage is crucial for every owner and operator. Make sure you're protected with the right policy!

  Medicare Supplement Plans offer many options to cover gaps in your client's coverage. Learn more about plans K, L, M, and N to help your client find the right one for them.   Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Part A and Part B Premiums and Deductibles: https://ritterim.com/blog/2025-medicare-part-a-and-part-b-premiums-and-deductibles/ Events & Webinars with Ritter: https://ritterim.com/events/ Get a FREE Portfolio Review: https://ritterim.com/portfolio/ The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://lnk.to/ASGtedsims   References: “Compare Medigap Plan Benefits.” Medicare, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 29 Jan. 2025. Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, https://www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Market Advisor.” CSG Actuarial, CSG Actuarial, https://csg-actuarial-wordpress.appspot.com/software/market-advisor/. Accessed 29 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Discussing getting my insurance deductible back, badly spraining my ankle, and enjoying my work on the submarine.

In the second part of their conversation about deductibles resetting at the start of the year, Blake Walker (Inbox Health) and Jeff Hillam (Red House Medical Billing) discuss common reasons why patients raise issues with medical bills and how clinicians can be prepared. Let us know what you thought of this week's episode on Twitter: @physicianswkly Want to share your medical expertise, research, or unique experience in medicine on the PW podcast? Email us at editorial@physweekly.com! Thanks for listening!

Drug rate plans for 2025.  Price increases. Co-pays, Caps, Deductibles and Gov't Subsidies. Open enrollment ends Dec 7th.  Medicare Advantage Plan changes coming up.

In the first part of their conversation, Blake Walker (Inbox Health) and Jeff Hillam (Red House Medical Billing) share some practices physicians can adopt to facilitate seamless billing and payment as deductibles reset in the new year. Let us know what you thought of this week's episode on Twitter: @physicianswkly Want to share your medical expertise, research, or unique experience in medicine on the PW podcast? Email us at editorial@physweekly.com! Thanks for listening!

Mala M. Rafik of Rosenfeld & Rafik explores MHPAEA's requirements, practical implications for employees, and key compliance tips for employers, excerpted from MCLE's 3/21/2024 live webcast: Understanding How the Mental Health Parity & Addiction Equity Act Impacts Employer Benefits. The full program is available as an on-demand webcast or an MP3 here.  Get 24/7 instant access to hundreds of related eLectures like this one—and more—with a subscription to the MCLE OnlinePass. Learn more at www.mcle.org/onlinepass and start your free trial today! Connect with us on socials!Instagram: mcle.newenglandBluesky: mclenewengland.bsky.socialLinkedIn: Massachusetts Continuing Legal Education, Inc. (MCLE│New England)Facebook: MCLE New EnglandX (Formerly Twitter): MCLENewEngland

In this episode of the Insurance Producers Podcast, host Cyrus Jaffery sits down with Wesley Pergament to explore innovative solutions in the insurance world. They discuss how solar insurance can help lower homeowner deductibles, the importance of accountable mornings for setting goals and delivering top-tier service, and building affordable natural disaster insurance solutions.Wesley also shares insights on creating insurance companies separate from payouts, utilizing wind and hail monitoring for fast and efficient claim resolutions. They highlight the expansion of tornado coverage across 15 states and into Western regions with the highest hail risk. Plus, learn about the wind and hail deductible process for quick payouts and a streamlined appointment process for insurance agents.This episode is packed with actionable tips and forward-thinking strategies for insurance professionals looking to innovate and excel in the industry. Tune in now!

How are multifamily properties insured? Tenant coverage? Limits? Deductibles? Claims? Service? Premiums? Enough to make your head spin. Join Pat for a discussion of multifamily real estate insurance and how Mara Poling optimizes coverage and costs.

  The Friday Five for November 15, 2024: FOMC November 2024 Meeting Bluesky, Threads, X App Downloads vs. Site Traffic 2025 Medicare Part A/B Premiums & Deductibles NordPass Top Passwords of 2024 List Halfway Through AEP 2025   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   FOMC November 2024 Meeting: “Consumer Price Index - October 2024.” Bls.Gov, Bureau of Labor & Statistics, 13 Nov. 2024, www.bls.gov/news.release/pdf/cpi.pdf. “Consumer Price Index Summary - October 2024.” Bls.Gov, U.S. Bureau of Labor Statistics, 10 Oct. 2024, www.bls.gov/news.release/cpi.nr0.htm. “Meeting Calendars and Information.” Federalreserve.Gov, The Federal Reserve, www.federalreserve.gov/monetarypolicy/fomccalendars.htm. Accessed 13 Nov. 2024. “Personal Income and Outlays, September 2024.” Bea.Gov, Bureau of Economic Analysis, 31 Oct. 2024, www.bea.gov/news/2024/personal-income-and-outlays-september-2024. “Transcript of Chair Powell's Press Conference November 7, 2024.” Federalreserve.Gov, The Federal Reserve, www.federalreserve.gov/mediacenter/files/FOMCpresconf20241107.pdf. Accessed 13 Nov. 2024.   Bluesky, Threads, X App Downloads vs. Site Traffic: “Adam Mosseri (@mosseri) on Threads.” Threads, Meta, 3 Nov. 2024, www.threads.net/@mosseri/post/DB6zNlQSsJN?xmt=AQGzC2OVsSCAHSwTsMzAMlVJzFvTppOz8Np1TG7sEIM3bA. “Bluesky Announces Series A to Grow Network of 13M+ Users.” Bsky.Social, Bluesky, 24 Oct. 2024, bsky.social/about/blog/10-24-2024-series-a. “Social Media Fact Sheet.” Pewresearch.Org, Pew Research Center, 13 Nov. 2024, www.pewresearch.org/internet/fact-sheet/social-media/. “Top Websites in United States - October 2024 Most Visited & Popular Rankings.” Semrush.Com, Semrush, www.semrush.com/website/top/united-states/all/. Accessed 14 Nov. 2024. Kirshner, Alex. “Sick of X and Elon Musk? This App Might Be for You.” Slate.Com, Slate, 12 Nov. 2024, slate.com/technology/2024/11/bluesky-app-twitter-exodus-x-elon-musk.html. Holtermann, Callie. “With Surge in New Users, Bluesky Emerges as X Alternative.” Nytimes.Com, The New York Times, 14 Nov. 2024, www.nytimes.com/2024/11/12/style/bluesky-users-election.html. “Top Apps & Games for Iphone on the IOS App Store in the United States.” Appfigures.Com, Appfigures, appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall. Accessed 14 Nov. 2024. “Top Apps for Android on Google Play in the United States.” Appfigures.Com, Appfigures, appfigures.com/top-apps/google-play/united-states/top-apps. Accessed 14 Nov. 2024. Tenbarge, Kat, and Kevin Collier. “X Sees Largest User Exodus since Musk Takeover.” NBCNews.Com, NBC Universal News Group, 13 Nov. 2024, www.nbcnews.com/tech/tech-news/x-sees-largest-user-exodus-musk-takeover-rcna179793.   2025 Medicare Part A/B Premiums & Deductibles: “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. 2025 Medicare Part A and Part B Premiums and Deductibles: Episode | Post   NordPass Top Passwords of 2024 List: Novak, Matt. “Americans Are Using the Dumbest Possible Passwords (2024 Edition).” Gizmodo.Com, Gizmodo, 14 Nov. 2024, gizmodo.com/americans-are-using-the-dumbest-possible-passwords-2024-edition-2000524147. Kan, Michael. “Here Are 2024's Most Used (and Worst) Passwords: Is Yours on the List?” Pcmag.Com, PCMAG, 14 Nov. 2024, https://www.pcmag.com/news/most-common-worst-passwords-2024-nordpass-is-yours-on-the-list . Hill, Allan Rose. “Here Is the Latest List of Passwords You Should Never Use.” Boingboing.Net, Boing Boing, 13 Nov. 2024, boingboing.net/2024/11/13/here-is-the-latest-list-of-passwords-you-should-never-use.html. Wong, Abel. “The Most Used Passwords of 2024 Are out - and It's 123456 Again.” Technave.Com, TechNave, 14 Nov. 2024, technave.com/gadget/The-most-used-passwords-of-2024-are-out-and-it-s-123456-again-40655.html. Roth, Emma. “These Are the Passwords You Definitely Shouldn't Be Using.” Theverge.Com, The Verge, 13 Nov. 2024, www.theverge.com/2024/11/13/24295543/most-common-passwords-list-2024. “Top 200 Most Common Passwords.” NordPass.Com, NordPass, nordpass.com/most-common-passwords-list/. Accessed 14 Nov. 2024.   Resources: 5 Ways to Generate ACA Leads: https://link.chtbl.com/ASG6287 2025 Medicare Part A and B Premiums and Deductibles: https://link.chtbl.com/ASGN20241113 Apps to Stay Productive This AEP! https://link.chtbl.com/ASGA20241106 Halfway Through AEP: Reflect & Renew Your Medicare Sales Strategies: https://link.chtbl.com/ASG630 How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255 How to Check Medicare Extra Help Eligibility for Your Client: https://link.chtbl.com/ASG630R5 How to Survive AEP: Wellness Tips for Insurance Agents: https://link.chtbl.com/ASG553 KFF 2025 ACA Open Enrollment Report & Tools: https://link.chtbl.com/ASGF20241108 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.  

  BREAKING: 2025 Medicare Part A and B premium and deductible numbers are out! Get the details on the cost of Medicare for your clients in coverage year 2025.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 Apps to Stay Productive This AEP! https://link.chtbl.com/ASGA20241106 Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 Does Your Medicare Sales Approach Satisfy Different Budgets? https://link.chtbl.com/ASG628R3 How to Stay Compliant During All Medicare Sales: https://link.chtbl.com/ASG628 REWIND: Unretiring and What it Means for Your Medicare Clients ft. Dan Ford: https://link.chtbl.com/ASG628R5 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024 The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   References: “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. “CMS Fast Facts.” CMS.Gov, Centers for Medicare & Medicaid Services, data.cms.gov/fact-sheet/cms-fast-facts. Accessed 11 Nov. 2024. “Social Security Changes - Cola Fact Sheet.” Ssa.Gov, Social Security Administration, www.ssa.gov/news/press/factsheets/colafacts2025.pdf. Accessed 11 Nov. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

It's that time of year again—open enrollment is here! Don't worry, we're here to help you choose the best health insurance for you and your family. Lacey Varnon from the National Association of Medication Access and Patient Advocacy (NAMAPA) is back with Dr. Gupta and Kortney to discuss everything you need to consider when selecting a health insurance plan. This episode is all about understanding health insurance during open enrollment, from picking the right type of plan to ensuring your coverage fits your specific needs. We cover essential aspects of open enrollment health insurance, including networks, premiums, copayments, and long-term medication coverage, so you can feel confident you're choosing a plan that works for you. What We Cover in Our Episode on Open Enrollment Health Insurance: Key Factors to Consider: Lacey explains the importance of listing your doctors, diagnoses, and medications to ensure they're covered. Understanding Premiums, Deductibles, and Networks: Gain insight into how these elements impact your out-of-pocket costs and access to care. Plan Types – HMO, PPO, EPO, and POS: We break down each type of plan, including pros and cons, to help you decide which suits your healthcare needs. Special Considerations for Pharmacy Benefits and Long-Term Medications: Lacey offers advice on accessing necessary medications through your health plan or alternative methods if they are not covered. Navigating Open Enrollment with Family Needs in Mind: Tips on choosing a plan that considers your family member's medical needs and how you've used insurance in the past. More resources about health insurance:  Health Insurance Coverage in the United States Why was my prescription denied by insurance? Health Insurance for Asthma and Allergies Choosing the Right Health Insurance Plan Navigating Insurance Denials and Filing Appeals NAMAPA: National Association for Medication Access and Patient Advocacy Medication Access Network This episode is made in partnership with the Allergy & Asthma Network and in collaboration the National Association of Medication Access and Patient Advocacy (NAMAPA). We thank Amgen for sponsoring this episode. 

In retirement, healthcare costs can quickly become one of the biggest risks to your nest egg, making it essential to stay informed about changes in Medicare and review your plan annually. As Medicare introduces key changes for 2025, understanding these updates is crucial for making well-informed decisions that protect both your health and financial future. In this episode, we dive into three essential updates to Medicare that will help you navigate these shifts and ensure your coverage aligns with your needs and budget. Key Topics Covered: Change #1: Updates to Prescription Drug Coverage (Part D), including the elimination of the "Donut Hole." Change #2: Adjustments to Medicare Premiums and Deductibles, with potential impacts for higher-income earners. Change #3: Expanded benefits and options in Medicare Advantage Plans for 2025. Ryan Hitchcock Financial Planner High Point Capital Group Direct: 414-253-4611 rhitch@hpcg.com Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through Osaic, Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. 1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600. #retirementplanning #retirement #medicare #openenrollment

  The Friday Five for October 25, 2024: Adobe Fresco Now Completely Free for Everyone Amazon and Walmart Announce Pharmacy Delivery Expansions Stride 2025 Open Enrollment Study KFF Analysis on Med Supp Enrollment Data Medigap Deductibles and OOP Costs for 2025   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Adobe Fresco Now Completely Free for Everyone: Foley, Joe. “Adobe Fresco Is Now Completely Free for All.” Creative Bloq, Creative Bloq, 23 Oct. 2024, www.creativebloq.com/art/digital-art/adobe-fresco-is-now-completely-free-for-all. Gan, Jeremy. “Adobe Fresco's Previously Paywalled Features Are Now Free for Everyone.” Engadget, Engadget, 23 Oct. 2024, www.engadget.com/apps/adobe-frescos-previously-paywalled-features-are-now-free-for-everyone-141956420.html. Weatherbed, Jess. “Adobe Made Its Painting App Completely Free to Take on Procreate.” The Verge, The Verge, 23 Oct. 2024, www.theverge.com/2024/10/23/24277533/adobe-fresco-painting-app-free-availablility-procreate. “Digital Painting and Drawing App | Adobe Fresco.” Adobe.Com, Adobe, www.adobe.com/products/fresco.html. Accessed 24 Oct. 2024.   Amazon and Walmart Announce Pharmacy Delivery Expansions: Accelerating Convenience: Walmart Launches Nationwide Same-Day Pharmacy Delivery, Helping Customers Live Better, 22 Oct. 2024, corporate.walmart.com/news/2024/10/22/accelerating-convenience-walmart-launches-nationwide-same-day-pharmacy-delivery-helping-customers-live-better. “Amazon Pharmacy Plans to Expand Same-Day Delivery of Medications to Nearly Half the US in 2025.” Amazon.Com, Amazon, 9 Oct. 2024, www.aboutamazon.com/news/retail/amazon-pharmacy-expands-same-day-prescription-delivery-united-states. Dr. Sai Balasubramanian, M.D. “Amazon Pharmacy's Rapid Growth Will Soon Make Instant Access to Medication the New Normal.” Forbes.Com, Forbes, 16 Oct. 2024, www.forbes.com/sites/saibala/2024/10/14/amazon-pharmacys-rapid-growth-will-soon-make-instant-access-to-medication-the-new-normal/. Palmer, Annie. “Amazon Same-Day Prescription Delivery Expanding to Nearly Half of U.S. in 2025.” Cnbc.Com, CNBC, 9 Oct. 2024, www.cnbc.com/2024/10/09/amazon-same-day-prescription-delivery-expanding-to-half-of-us-in-2025.html. Tong, Noah. “Walmart Offers Same-Day Prescription Delivery with Plans to Reach 49 States.” Fiercehealthcare.Com, Fierce Healthcare, 22 Oct. 2024, www.fiercehealthcare.com/retail/hlth24-walmart-simplify-online-pharmacy-orders-49-states. Gibson, Kate. “Walmart Plans to Deliver Prescriptions Nationwide in as Little as 30 Minutes.” Edited by Alain Sherter, Cbsnews.Com, CBS, 22 Oct. 2024, www.cbsnews.com/news/walmart-prescription-delivery-amazon/.   Stride 2025 ACA Open Enrollment Study: “2025 Annual Open Enrollment Survey - A New Report from Stride.” Blog.Stridehealth.Com, Stride Health, 17 Oct. 2024, blog.stridehealth.com/open-enrollment-2025survey. Popke, Michael. “Almost 75% of ACA Buyers Will Not Compare Plans for 2025.” Benefitspro.Com, BenefitsPro, 21 Oct. 2024, www.benefitspro.com/2024/10/21/almost-75-of-aca-buyers-will-not-compare-plans-for-2025/.   KFF Analysis on Med Supp Enrollment Data: Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Medicare Supplement Enrollment Down Slightly in 2023.” Markfarrah.Com, Mark Farrah Associates, 28 May 2024, www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-down-slightly-in-2023. Freed, Meredith, Nancy Ochieng, et al. “Medigap May Be Elusive for Medicare Beneficiaries with Pre-Existing Conditions - Issue Brief - 10506.” KFF, KFF, 18 Oct. 2024, www.kff.org/report-section/medigap-may-be-elusive-for-medicare-beneficiaries-with-pre-existing-conditions-issue-brief/.   Medigap Deductibles and OOP Costs for 2025: “F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 23 Oct. 2024. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 23 Oct. 2024.   Resources: ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 Helping Clients with Marketplace Eligibility Appeals: https://link.chtbl.com/ASG624 How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623 KFF 2025 Medicare Part D Snapshot Report: https://link.chtbl.com/ASGF20241018 The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

IRMI's Joel Appelbaum interviews Peter Johnson, chief actuary at Spring Consulting Group, about insurer collateral obligations for large deductible and captive reinsurance programs. They discuss how collateral protects insurers financially while enabling organizations to self-insure and reduce market premiums. Peter emphasizes the importance of actuarial expertise, detailing methodologies to calculate collateral requirements and the need for accurate loss development patterns and reserve analyses. The conversation includes case studies showing how to reduce collateral obligations by challenging industry assumptions and using company-specific data. It also covers managing loss development over time, especially for long-tail lines such as workers compensation.

Clever ways to “Eat Deductibles…” Stop trying to outsmart the system. But no matter how you spin it, it's illegal.Don't believe me? Watch this. There are better ways to help homeowners. That is legal and valuable. Like offering financing. Using ACV money (as long as you aren't filing for depreciation and the homeowner understands the consequences). And the most profitable of all? Offering Roof With Solar. Which usually means cheaper monthly payments for homeowners. Do it the right way. Wow homeowners. Make more money. Together, we can truly transform the industry.Join value-aligned companies inside RSRA: https://www.rsra.org/join/=============FREE TRAINING CENTERhttps://theroofstrategist.com/free-training-centerJOIN THE ROOFING & SOLAR REFORM ALLIANCE (RSRA)https://www.rsra.org/join/ GET MY BOOKhttps://a.co/d/7tsW3Lx GET A ROOFING SALES JOBhttps://secure.rsra.org/find-a-job CONTACTEmail: help@roofstrategist.comCall/Text: 303-222-7133FOLLOW ADAM BENSMANhttps://www.youtube.com/channel/UCSVx5TWX-m2dl6yuUVF05Dwhttps://www.facebook.com/adam.bensman/   https://www.facebook.com/RoofStrategist/ https://www.instagram.com/roofstrategist/ https://www.tiktok.com/@roofstrategist https://www.linkedin.com/in/roofstrategist/#roofstrategist #roofsales #d2d  #solar #solarsales #roofing #roofer #canvassing #hail #wind #hurricane #sales #roofclaim #rsra #roofingandsolarreformalliance #reformers #adambensman

In this enlightening episode, we sit down with Jennifer S. Then, my very own sister who is a Registered Nurse and Certified Professional Coder, to unravel the complexities of insurance language and billing. The purpose of this episode is to  listeners to navigate the system with confidence and clarity.Jennifer brings her wealth of knowledge and expertise to the table, providing invaluable insights into understanding insurance which promises to be an indispensable resource for anyone seeking to gain a deeper understanding of insurance billing.Key Points to Expect:

With Mashi Epting, you can break through the barriers you're facing in your business and get expert guidance on tax preparation and tax management through this 1-to-1 mastermind! Find out more at: https://whoismashi.com/ Mashi Epting LLC City: Monroe Address: 1011 N 9th Street Website: https://www.whoismashi.com/ Phone: +1 318 538 4761 Email: mashi@whoismashi.com

People ask us all the time, what is the cost of Medicare? In this video we spell all of that out including Medicare Part-A premiums and Medicare Part-B premiums as well as deductibles for 2024. Please keep in mind, these numbers can changes from year to year and are current for 2024. Christian Brindle Insurance Services is a Medicare specialized agency located in Sandy Utah. Christian hosts the most popular Medicare podcast on the internet called The Everything Medicare Podcast, written and published two books about Medicare, and is the founder of his own company that is dedicated to helping people on Medicare everywhere. Don't forget to like and subscribe for more videos! Helping people in 46 states! Call us to see if we can help you! 801-255-5340 Visit our website for more information: www.christianbrindleinsuranceservices.com #Medicare#Medigap#Insurance #HealthInsurance #Health#Healthcare#Medicaresupplement#MedicareAdvantage #Medicare2024#Medicarehealthplan#InsuranceAgent#MedicarePodcast Medicare, Medigap, Medicare Supplement, Insurance, Health Insurance, Health, Healthcare, HAS, Retire, Retirement, Social Security, Christian Brindle, FICA, Medicare Podcast, Medicare Advantage, Medicaid, Medicare Part A, Medicare Part B, FICA, FICA Tax, Retirement, Retire

For the lowdown on healthcare coverage for all you 80s and 90s kids, check out Wealth Building Way's new guide for millennials. More details at https://wealthbuildingway.com/guide-to-the-best-health-insurance-policies-for-millennials-top-options-for-a-secure-future/ Wealth Building Way City: Austin Address: 16238 Highway 620 N Website: https://wealthbuildingway.com/ Phone: +1-512-677-7448 Email: Info@wealthbuildingway.com

This HR Party of One episode breaks down the difference between deductibles, copays, coinsurance, and out-of-pocket maximums—and, how you should defer questions about these benefits to your benefits broker. Payroll + HR + Benefits in an all-in-one solution. Request a BerniePortal demo today! https://offer.bernieportal.com/bernieportal-employer-demo-hrpo1/Find us at https://www.bernieportal.com/hr-party-of-one/BerniePortal: The all-in-one HRIS that makes building a business & managing its people easy. http://bit.ly/2NEQ5QbWhat is an HRIS?https://bit.ly/what-is-an-hrisBernieU: Your free one-stop shop for compelling, convenient, and comprehensive HR training and courses that will keep you up-to-date on all things human resources. Approved for SHRM & HRCI recertification credit hours. Enroll today!https://bernieu.bernieportal.com/Join the HR Party of One LinkedIn Group!https://www.bernieportal.com/community/▬ Contents of this episode ▬▬▬▬▬▬▬▬▬▬00:00 Intro00:31 What Is a Copay?01:00 What Is a Deductible?02:37 What Is Coinsurance? 03:10 What Are Out-of-Pocket Maximums?04:54 An Example Using the Terms06:42 Your Role as HR07:41 Final Thoughts▬ Episode Resources & Links ▬▬▬▬▬▬▬▬▬▬Benefits Administration Made Easy https://www.bernieportal.com/benefits-administration/Guide to Providing Healthcare Benefits to Employeeshttps://blog.bernieportal.com/guide-to-providing-healthcare-benefits-to-employeesAvera: What's the Difference Between Family and Individual Deductibles?https://www.avera.org/balance/health-insurance/whats-the-difference-between-family-and-individual-deductibles/▬ Social Media ▬▬▬▬▬▬▬▬▬▬▬► LinkedIn: https://www.linkedin.com/company/bernieportal▬ Podcast▬▬▬▬▬▬▬▬▬▬▬▬► Apple Podcasts: https://podcasts.apple.com/us/podcast/hr-party-of-one/id1495233115► Spotify: https://open.spotify.com/show/5ViQkKdatT40DPLJkY2pgA► Amazon Music: https://music.amazon.com/podcasts/1874beb8-2a68-4310-8816-e704e6850995/HR-Party-of-One► iHeartRadio:

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

For a full transcript of this episode, click here. This show today is for physicians or other clinicians or providers who are still taking insurance—those who are going about their day being pretty normal ... but at the same time, they're noticing one and/or two things potentially going on. Here's thing one: They may be seeing patients struggling to afford care, especially patients with commercial insurance and huge deductibles. And/Or thing two: They may have patients actually coming in and asking to pay cash. It's definitely becoming known in some circles that about half the time the cash price for something is actually cheaper than the “negotiated” rate with an insurance carrier. And this has really become an actionable insight for patients who haven't yet met their deductible, and some high percentage of patients—maybe upwards of 90% of patients—won't meet their deductible in any given plan year. So, all of this is probably some pretty obvious foreshadowing, but let's run through two maybe quick reasons why a practice might want to contemplate ways to make it easier for patients to pay cash when it is, in fact, cheaper for that patient to pay cash than it is for them to go through their insurance. Now, a clarifying point here: We are not talking here about that patient always paying cash heretofore … like, never using their insurance ever again, even if they get hit by a bus. No. We're talking about the patient coming in for some office visit or service, and today, they want to pay with a wad of money they take out of their wallet and hand you. That is the end of the transaction that we're talking about here. So, here's the first of let's just say two reasons that a practice might want to entertain taking cash from insured (technically, at least) patients. First reason: We have a situation in this country where 48% of insured commercial patients say that they are delaying or forgoing care due to cost or fear of cost. Sometimes I say this 48% number to a clinician, and they will reply, “Well, that's not in my practice or in my hospital; our patients show up.” To which I reply, “Yeah, because the patients abandoning care are not the patients that are coming in. They are abandoning care.” Now, the second reason a “normie” practice might want to be thinking about how to help patients get the best possible price here is maybe less intuitive, but it's a financial motivation for the practice. I just saw Eric Vanderhoef. He wrote on a Listserv recently, and this is what he wrote: Patient no-shows and cancellations cost healthcare providers as much as $7500 per month. That's a loss of $375 per patient. Hmmm … okay. Keep this in mind: The whole cancellations costing providers upwards of $7500 a month would help reduce this. Coincidentally, I was talking to Paula Muto, MD (she's the founder of UBERDOC) about this exact same topic the other day—just the crazy no-show rates that many practices experience—and she made some really good points, which are exactly in line with the Tebra report Eric Vanderhoef referenced above. She said that if a patient knows exactly how much a physician visit is going to cost—because they're paying cash and the price is set between the doctor and the patient, so the price is the price, the end—no-shows will go down, and this is especially true when the appointment is tomorrow and not six months from now when appointments are booking these days. It's kind of not normal for anybody to know what's gonna be happening in lives six months from now, so no wonder patients fail to show. Dr. Muto is recommending maybe having a couple of slots open every day for patients who want to pay cash. Doing this could help improve some—not all, for sure, but some—practice cash flow issues which are caused by the no-show thing or the getting paid by the insurance carrier net whatever months later after a billing fight kind of thing. And it's also a win-win for patients with high-deductible plans, especially those patients who are coming in asking to pay cash. In the conversation today, Marshall Allen, my guest, explains how to, in a simple enough way, operationalize the ability of a practice to take cash. There's a form that you'll need for insured patients. You'll actually need a cash price. It's also a marketing opportunity. For example, you can get listed with entities that connect consumers to practices that take cash, like UBERDOC, but there's also a growing movement of employers, especially in some parts of the country, who are looking around for providers who will do direct contracting or cash prices. In fact, I just saw a study the other day: “New polling conducted by Marist … found that 94 percent of adults agreed that hospitals, insurance companies and doctors should ‘be legally required to disclose all of their prices, including discounted prices, cash prices, and insurance negotiated rates across hospitals and across plans in an easily accessible place online.'” Alright, if I know you, you are thinking right now about all of the reasons why this won't work. So, let me head you off at the pass. My guest today, Marshall Allen, solves for the most common issues that everybody brings up, including the big kahuna issue, the “I am contractually forbidden by a health plan to allow patients to pay cash.” You will need to listen to this podcast for the answer. Now, there are, of course, other hairballs to untangle that we do not address today. As Marshall Allen says, there are layers of dysfunction here. One bit of weirdness is something that David Schreiner, PhD, told me about the other day. David is CEO of Katherine Shaw Bethea Hospital in Dixon, Illinois; and he's also the author of a new book entitled Be the Best Part of Their Day: Supercharging Communications With Values-driven Leadership. David said that sometimes hospital payer contracts have the payer reimbursing the hospital for a percentage of overall charges. Yes, you heard that right. The hospital totes up, using their charge master rates, the total amount of billings for the entire year; and the carriers pay a percentage of that total. So, the hospital has a big incentive to keep charge master rates as high as possible. If some patients pay lower cash amounts, then their carrier reimbursement (the hospital's carrier reimbursement) will drop. Probably some math there, I guess, because if it's determined that patients aren't actually showing up for services due to cost, then they might be getting paid a percentage of zero by the carriers; but point taken still. There are, for sure, considerations to be thought through; and, for sure, having contracts like this is one of them. I was talking to Lauren McAteer the other day, and she told me when she worked for a hospital and went to meetings, sometimes she'd bring in a hospital gown and hang it over a chair in the conference room to make it harder to not consider the patient perspective and think about how decisions impacted patients. Good idea, because where there's a will, there's often a way. My guest today, Marshall Allen, probably needs no introduction. But I ask Marshall for the skinny on how he started Allen Health Academy, and you will hear him introduce himself. So, in the interest of eschewing redundancy, let's do this thing. Also mentioned in this episode are Eric Vanderhoef; Paula Muto, MD; David L. Schreiner, PhD; Lauren McAteer, CCXP; Benjamin Jolley, PharmD; David Scheinker, PhD; William Shrank, MD; Jerry Durham; Leon Wisniewski; Cristin Dickerson, MD; and Dutch Rojas. You can learn more by signing up for Marshall's newsletter at marshallallen.substack.com. You can also go to Allen Health Academy or to Marshall's site.     Marshall Allen has spent more than 17 years investigating the healthcare system as a journalist. He is the founder of Allen Health Academy and the author of Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win. His book and his health literacy videos, The Never Pay Pathway, are helping working Americans save hundreds and thousands of dollars—per healthcare encounter. Marshall is a two-time finalist for the Pulitzer Prize and winner of the Harvard Kennedy School's Goldsmith Prize for Investigative Reporting and dozens of other journalism awards. For more information, visit allenhealthacademy.com and sign up for his newsletter at marshallallen.substack.com.   07:04 What Allen Health Academy is doing. 11:01 What's the problem with the system now? 14:19 EP363 with David Scheinker, PhD. 14:27 EP413 with Will Shrank, MD. 14:34 What's the hack Marshall Allen shares for insured patients paying cash? 15:06 How can patients cite HIPAA to pay cash instead of using their insurance? 19:00 What's the first recommendation Marshall Allen has when dealing with healthcare billing? 21:26 EP297 with Jerry Durham. 21:48 What are the other benefits of a clinic accepting cash payments? 25:36 Why do we need to have more direct pay happening? 26:36 How should a medical provider set a cash price? 27:12 Research tools for fair pricing: fairhealthconsumer.org, BILLY, colonoscopyassist.com, Jason Health, Green Imaging. 32:36 How do you find the win-win between a patient and a doctor? 32:51 What's the final tier of partners in creating more direct-pay opportunities? 34:30 What's Marshall Allen's opinion on having to pay credit card fees?   You can learn more by signing up for Marshall's newsletter at marshallallen.substack.com. You can also go to Allen Health Academy or to Marshall's site.   @marshallallen discusses operationalizing cash payments for #clinicalpractices on our #healthcarepodcast. #healthcare #podcast #pharma #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Stacey Richter (INBW39), Peter Hayes, Joey Dizenhouse, Benjamin Jolley, Emily Kagan Trenchard (Encore! EP392), Cora Opsahl (Encore! EP372), Jodilyn Owen, Ge Bai, Andreas Mang, Karen Root (Encore! EP381)  

Wesley is CEO and Co-Founder of Sola Insurance based in Atlanta, GA. Wesley comes from a tech background and jumped into the insurance industry at a flood insurance startup where he was tasked with working on the data side with private and FEMA flood maps. Realizing this data was telling us exactly where the damage is, Wesley became obsessed with how data can be used to automatically trigger an insurance claim payout. Sola is starting with supplemental tornado coverage for homeowners but plans to expand into every type of natural disaster to help people cover their deductible and immediate expenses. Sola has already been approved in 15 states as the first ever admitted personal lines parametric product, is fully reinsured through Lloyd's of London, and has partnered with hundreds of insurance agencies across the Midwest and Southeast. Highlights from the Show Sola Insurance is a new class of financial insurance products that helps homeowners cover their deductible and immediate expenses after natural disaster events Sola is developing new products that pay period faster and more transparently so they can get back on their feet Right after a disaster, there's an immediate need for assistance while you wait for a traditional claim to get handled (even if it's handled quickly) Deductibles have increased across many lines of insurance, with homeowners choosing $2,500 deductibles twice as frequently just over four years ago, which is more than most Americans have saved for emergencies Many homeowners policies or coverages within them have significantly higher deductibles, like for wind or quake The pressure to increase deductibles is only getting worse, as discussed in this WSJ article we mentioned The cost of capital and providing insurance for carriers is going up, with 30% increases in reinsurance The initial product is a Tornado parametric coverage, which is the first time a startup has launched an admitted parametric product They have capacity from Beazley and fronting from Spinnaker They've just had their first two claims after the Hendersonville tornado outside of Nashville, Tennessee, and paid both within 60 hours of the tornado touching down They see this as complementary to existing coverage, and have seen a lot of interest and support from independent agents who are looking for ways to create coverage to fill in for increasing deductibles to keep insurance affordable With the original HO policy developed in the 1950s, Sola is trying to create solutions for what risk looks like today Their next priority is Wind & Hail, which is segmented out on traditional HO policies and is a frequent cause of loss Wesley started Sola in the Global Insurance Accelerator in 2021 and is young, along with his co-founders, and they haven't let that stop them or slow them down in an industry where tenure and tradition continue to carry weight Wesley credits a two things with their success despite their age: An innate sense of curiosity, which helped him to really get into the issues at hand and stay open to learning People can't deny the work that you've done, so the team has ensured they keep delivering and proving themselves, balancing the need to spend time building relationships with delivering tangible milestones and results This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

For a full transcript of this episode, click here. For a deep dive into the way back backstory here, listen to the show with Dea Belazi, PharmD, MPH. That's episode 293, and it's entitled “Game Theory Gone Wild,” because gone wild is what has happened with pharma manufacturer co-pay assistance programs. Don't forget that the original intent of the first chess move here was by pharma manufacturers to circumvent basically PBM (pharmacy benefit manager) formulary restrictions, because the leverage PBMs have is access and patient out-of-pocket costs—and let's focus on the out-of-pocket costs right now. If a drug is on formulary, patients can get said drug for a lower relative price. Drugs not on formulary are abandoned at the pharmacy counter quite often because patients cannot afford them, and this is by design. This patient abandonment of their prescriptions is what gives the PBM leverage when negotiating with Pharma. If Pharma doesn't play by PBM rules, they get kicked off the formulary; and then patients can no longer afford to get their meds and pharma market share tanks. So, the original intent of co-pay cards was for Pharma to say, “Ha ha, talk to the hand, you PBMs. You can not put us on formulary if you want, but I'm gonna lower the out-of-pocket costs all by meself with me co-pay cards. If you, PBM, force a $300 co-pay or whatever, which is way too high for most patients, I, Pharma, will pay $275 of that (or maybe all $300) a month on the patient's behalf with my co-pay card program. So, patients are now left with a reasonable amount that they should be able to afford, and my pharma drug's market share is unhindered.” I think one thing to keep in mind here as we evaluate the net impact is that not all situations are the same. Let's say there's two main scenarios—and keep both of these in mind during the conversation that follows with Joey Dizenhouse as you consider the impact on plan sponsors and patients vis-à-vis their premiums and also on patients/members in the short term. Scenario #1: Let's say there's one drug out there for a particular condition. One drug. And on some plan, that one drug has a ridiculously expensive out-of-pocket cost, say, $8000 or something like this, whatever their deductible or the max out-of-pocket is for that particular member on that particular plan. And this is $8000 every year if this is a chronic condition, which makes it different than someone hitting their deductible this year because they had a knee replacement or whatever. In this first scenario, we're talking about patients or their kids who in perpetuity need a drug and who effectively just had their salary reduced year over year by $8000 or whatever. If they want the med, they have no other option than this huge out of pocket. That's one situation. Scenario #2: Let's say there's another really expensive drug, but in this scenario, there's a generic equivalent or there's some other brand that costs $70 and works for most patients. So, yeah … now we have patients who get a co-pay card and are thus incented by their low or no out of pocket to get a drug that is effectively a rip-off. So, now the plan is paying something upwards of $8000 instead of $70. And it's not like the patient got a better product. It's upwards of 8000 wasted plan dollars that really don't accrue any better health. And so, this is really where our story begins. A couple of definitions here: Maximizer refers to the entity running a maximizer program. It's a noun. It's a who. Oftentimes the maximizer is the PBM, but not always. Joey talks about two kinds of maximizer programs: One is what Joey calls a spread model, and then there's also the transparent model. We also in the podcast that follows talk about a scheme which is often pitched to plan sponsors that I'm going to call the “the drug's not covered” approach. At the end of the show, we come up with three bits of advice. And here they are, spoiler alert: 1. Buyer beware. If you are a self-insured employer or some other entity who is purchasing these maximizer programs, purchasing due diligence is required. If your vendor makes more money the more a drug costs, yeah, you have misaligned incentives and the chances of you (the plan sponsor) and all of your members getting screwed is on the high side. (Eric Bricker, MD, shows how this could work in this video about the Cigna “transparent” CostVantage offering.) 2. As Lauren Vela said also in episode 406, everybody always thinks that their contracts are amazing. It's everybody else's contracts that suck. You ask a roomful of HR folks if their PBM contracts are above average, and the whole room raises their hands. This ain't Lake Wobegon, folks. Don't kill the messenger. 3. Get on the ground and actually talk to plan members who are taking these drugs or who have kids taking drugs that are covered by these maximizer programs or covered by the “it's not covered” alternative funding programs. I certainly hope no one listening is taking the word of the program sponsor on how satisfied plan members are, especially with all these class action lawsuits afoot. My guest today, as aforementioned, is Joey Dizenhouse, FSA, MAAA. He is an actuary by background. He serves as CEO of SlateRx, which is a pharmacy benefit experience provider, or a PBX, as they call it. He is also head of HealthTrust IHP. Also mentioned in this episode are Dea Belazi, PharmD, MPH; Eric Bricker, MD; Lauren Vela; Andreas Mang; and Kollet Koulianos, MBA. You can learn more at SlateRx.   Joey Dizenhouse, FSA, MAAA, has spent more than 25 years in the healthcare industry, serving in a number of strategic, leadership roles. As president and chief executive officer at SlateRx, Joey is responsible for driving the organization's mission of revolutionizing the pharmacy benefit experience. With a key focus on servant leadership and innovation, he seeks value for SlateRx's clients and their covered lives across the complex pharmacy supply chain. He also provides strategic guidance for partner organization HealthTrust. At HealthTrust, Joey led the Insurance, Human Capital, and Pharmacy (IHP) business segment, managing more than $15 billion in annual drug purchasing. Prior to HealthTrust, Joey spent 15 years at a large professional services consulting firm in a number of health and welfare leadership roles, serving many organizations during his tenure, including several from the Fortune 100. Joey is a frequent public speaker on subject matter related to pharmacy insurance, benefits strategies, and the US healthcare landscape. He is a fellow of the Society of Actuaries, member of the American Academy of Actuaries, and a licensed life and health insurance agent across all 50 states.   06:21 How was the first iteration of maximizers conceived? 10:59 “I'd always encourage you to come back to the underlying incentives.” 11:18 What does maximizer acceleration look like? 12:24 What are the two kinds of maximizers? 12:43 What is the spread model for a maximizer? 13:02 What is the transparent model for a maximizer? 15:26 “Ask the questions: How do you make money? Prove it!” 15:56 EP419 with Andreas Mang. 16:25 How might Pharma be making more money with maximizers? 26:14 What is the “it's not covered” approach? 32:29 “The right kind of program has been properly narrowed.” 33:51 Is there a purpose that some of these programs can serve, issues aside? 35:57 How does a free drug program actually cost money?   You can learn more at SlateRx.   Joey Dizenhouse discusses #pharmacybenefits, #employer #costsavings, and #outofpocket costs on our #healthcarepodcast. #healthcare #podcast #pharma #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Benjamin Jolley, Emily Kagan Trenchard (Encore! EP392), Cora Opsahl (Encore! EP372), Jodilyn Owen, Ge Bai, Andreas Mang, Karen Root (Encore! EP381), Mark Cuban and Ferrin Williams, Dan Mendelson (Encore! EP385), Josh Berlin  

We explain the origins and purpose of deductibles in health insurance plans. #insurance #deductibles #premium #copay #underwriting #risk #health

Every year there are changes and adjustments to Medicare premiums and deductibles. These impact Medicare Part A and Part B and Part D. The Donut Hole coverage limit is also impacted. Toni's podcast today addresses changes that you will experience in 2024. Need more information? Take advantage of Toni's webinars available at www.tonisays.com - there you can have a private prerecorded webinar session with Toni and gain information to make your Medicare experience the proper one for you!  Remember - with Medicare it's what you don't know that will hurt you!  There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and www.tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at www.Tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguGSpotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind.  Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments!  Blessings!See omnystudio.com/listener for privacy information.

Hans and Robby are back again this week with a brand new episode! This week, they discuss 2024 medicare parts A & B premiums & deductibles. Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Navigating the healthcare payor system in the United States can be a complex and sometimes overwhelming task. Understanding the intricacies of in-network and out-of-network insurance, as well as co-pays and deductibles, is crucial for making informed decisions about your healthcare. Here's a guide to help you through this labyrinth. Understanding Your Insurance Plan 1. In-Network vs. Out-of-Network: In-Network: These are the healthcare providers that have a contract with your insurance company. Visiting these providers generally means lower costs for you because they have agreed to charge negotiated rates. Out-of-Network: These providers do not have a contract with your insurer. Visiting them often results in higher charges and less coverage from your insurance. In some cases, insurance may not cover these visits at all. 2. Co-Pays and Co-Insurance: Co-Pay: This is a fixed amount you pay for a healthcare service, like $30 for a doctor's visit. It's typically paid at the time of the service. Co-Insurance: This is a percentage of the cost of your healthcare service that you pay after meeting your deductible. For example, if you have 20% co-insurance, you pay 20% of the cost of the service. Deductibles and Out-of-Pocket Maximums Deductible: This is the amount you pay for covered healthcare services before your insurance plan starts to pay. For instance, with a $1,000 deductible, you pay the first $1,000 of covered services yourself. Out-of-Pocket Maximum: This is the most you have to pay for covered services in a plan year. After you spend this amount on deductibles, co-payments, and co-insurance, your health plan pays 100% of the costs of covered benefits. Tips for Navigating the System Know Your Network: Always check if a provider is in-network before scheduling an appointment. Understand Your Benefits: Familiarize yourself with your plan's details, including co-pays, deductibles, and out-of-pocket maximums. Plan Ahead for Out-of-Network Care: If you must see an out-of-network provider, understand the costs and coverage limitations. Keep Track of Your Expenses: Monitor your out-of-pocket expenses, so you know when you've reached your deductible or out-of-pocket maximum. Appeal Denials When Necessary: If a claim is denied and you believe it should have been covered, don't hesitate to appeal the decision. Clinical care in private physician offices and hospital-owned practices can differ in several key aspects. Private physician offices are typically owned and operated by individual doctors or small groups of physicians. These settings often provide a more personalized experience, as the physicians may have a smaller patient base and can offer more individualized attention. The administrative processes in private practices are usually more straightforward, potentially leading to a quicker and more efficient patient experience. On the other hand, hospital-owned practices are part of larger healthcare systems. They often have access to more extensive resources, including specialized equipment and a broader range of healthcare professionals. These practices can offer a more integrated approach to care, especially for patients with complex health needs, as they have direct links to the hospital's services and specialists. However, this can sometimes come with a less personal touch and potentially more bureaucratic processes due to the larger system's structure. Conclusion Navigating the U.S. healthcare payor system requires patience and a good understanding of your insurance plan. By being proactive and informed, you can make choices that suit your healthcare needs while also managing your financial obligations. Remember, when in doubt, reaching out to your insurance provider for clarification can help alleviate confusion and ensure you make the most out of your healthcare plan.     Your feedback is essential to us! We would love to hear from you. Please consider leaving us a review on your podcast platform or sending us an email at info@maternalresources.org. Your input helps us tailor our content to better serve the needs of our listeners. For additional resources and information, be sure to visit our website at Maternal Resources: https://www.maternalresources.org/. You can also connect with us on our social channels to stay up-to-date with the latest news, episodes, and community engagement: Twitter: https://twitter.com/integrativeob YouTube: https://www.youtube.com/maternalresources Instagram: https://www.instagram.com/integrativeobgyn/ Facebook: https://www.facebook.com/IntegrativeOB Thank you for being part of our community, and until next time, let's continue to support, uplift, and celebrate the incredible journey of working moms and parenthood. Together, we can create a more equitable and nurturing world for all.

  In the modern workforce and the fast-paced insurance industry, adaptability is key. Learn best practices for opening your mind and adapting to whatever comes your way.     Ask the Agent Survival Guide Podcast! Fill out the form: https://bit.ly/askasg Email us at asgpodcast@ritterim.com  or call 1-717-562-7211 and leave a voicemail.     Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources: 2024 CMS Compliance Regulation Updates for Agents ft. Alyson Seighman: https://link.chtbl.com/2023AlysonSeighman   2024 Medicare Part A and B Premiums and Deductibles: https://link.chtbl.com/ASGN20231013   Cultivating Growth in Your Insurance Agency and Life: https://link.chtbl.com/ASGM20230410   Improve Your Customer Service with This Soft Skill: Negotiation: https://link.chtbl.com/ASG536   The 2024 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20231017   Ways to Stay Productive on the Go: https://link.chtbl.com/ASG543      References: Emotional Intelligence: How We Perceive, Evaluate, Express, and Control Emotions: https://www.verywellmind.com/what-is-emotional-intelligence-2795423 What Are Cognitive Abilities? (Definition and Types): https://www.indeed.com/career-advice/career-development/cognitive-ability   Why cognitive agility matters - BetterUp: https://www.betterup.com/blog/why-cognitive-agility-matters

In this video, I talk about the new 2024 Medicare Part-B premiums and deductible for 2024 and give my reactions. Christian Brindle Insurance Services is a Medicare specialized agency located in Sandy Utah. Christian hosts the most popular Medicare podcast on the internet called The Everything Medicare Podcast, written and published two books about Medicare, and is the founder of his own company that is dedicated to helping people on Medicare everywhere. Don't forget to like and subscribe for more videos! Helping people in 46 states! Call us to see if we can help you! 801-255-5340 Visit our website for more information: www.christianbrindleinsuranceservices.com Pick up Christian's Medicare Guidance book and learn everything you need to know to make a good choice: https://www.amazon.com/Medicare-Guida... Follow us on social! Facebook: https://www.facebook.com/christianbri... Instagram: https://www.instagram.com/christianbr... Twitter: https://twitter.com/C_E_Brindle #Medicare#Medigap#Insurance #HealthInsurance #Health#Healthcare#Medicaresupplement#MedicareAdvantage #Medicare2021#Medicarehealthplan#InsuranceAgent#MedicarePodcast Medicare, Medigap, Medicare Supplement, Insurance, Health Insurance, Health, Healthcare, HAS, Retire, Retirement, Social Security, Christian Brindle, FICA, Medicare Podcast, Medicare Advantage, Medicaid, Medicare Part A, Medicare Part B, FICA, FICA Tax, Retirement, Retire

  Stay up to date on industry news to keep your clients informed. In this episode we've got the details for the 2024 Cost of Living Adjustment, listen to find out more! Read text version   Ask the Agent Survival Guide Podcast! Fill out the form: https://bit.ly/askasg Email us: asgpodcast@ritterim.com Or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance   Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Resources: 2024 CMS Compliance Regulation Updates for Agents ft. Alyson Seighman: https://agentsurvivalguide.podbean.com/e/2024-cms-compliance-regulation-updates-for-agents-ft-alyson-seighman/ 2024 Medicare Part A & B Premiums and Deductibles: https://agentsurvivalguide.podbean.com/e/2024-medicare-part-a-and-b-premiums-and-deductibles/ 5 Things Medicare Beneficiaries Report About Their Coverage in 2023: https://agentsurvivalguide.podbean.com/e/5-things-medicare-beneficiaries-report-about-their-coverage-in-2023/ Do's and Don'ts of Medicare Compliance: https://agentsurvivalguide.podbean.com/e/do-s-and-don-ts-of-medicare-compliance-2023/ Register with Ritter, Get Access to Our Full Suite of Tools: https://app.ritterim.com/public/registration/ Thrive Tomorrow Kits: https://www.ritterim.com/kit-thrive/   References: 2024 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles CMS Fast Facts: https://data.cms.gov/fact-sheet/cms-fast-facts Here's how much more you'll pay for Medicare Part B in 2020: https://www.cnbc.com/2019/11/11/heres-how-much-more-youll-pay-for-medicare-part-b-in-2020.html Social Security Fact Sheet: https://www.ssa.gov/news/press/factsheets/colafacts2024.pdf U.S. Bureau of Labor Statistics Consumer Price Index: https://www.bls.gov/cpi/

  THIS JUST IN: 2024 Medicare Part A and B premium and deductible numbers are live! Listen for details on the cost of Medicare for your clients in CY2024… just in time for the beginning of AEP.   Read text version   Ask the Agent Survival Guide Podcast! Fill out the form: https://bit.ly/askasg Email us: asgpodcast@ritterim.com Or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance   Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Resources: 4 Ways to Calculate Your Clients' Life Insurance Needs: https://www.ritterim.com/blog/4-ways-to-calculate-your-clients-life-insurance-needs/ 5 Things Medicare Beneficiaries Report About Their Coverage in 2023: https://agentsurvivalguide.podbean.com/e/5-things-medicare-beneficiaries-report-about-their-coverage-in-2023/ Do's and Don'ts of Medicare Compliance: https://agentsurvivalguide.podbean.com/e/do-s-and-don-ts-of-medicare-compliance-2023/ Rules for Hosting a Compliant Medicare Educational Event: https://agentsurvivalguide.podbean.com/e/rules-for-hosting-a-compliant-medicare-educational-event-2023/ Rules for Hosting a Compliant Medicare Sales Event: https://agentsurvivalguide.podbean.com/e/rules-for-hosting-a-compliant-medicare-sales-event-2023/ The 2024 COLA Increase & How It Affects Your Clients: https://www.ritterim.com/blog/the-2024-cola-increase-how-it-affects-your-clients/ Thrive Tomorrow Kits: https://www.ritterim.com/kit-thrive/ Ways to Stay Productive on the Go: https://agentsurvivalguide.podbean.com/e/ways-to-stay-productive-on-the-go/ What Are Agents Responsible for Under HIPAA? https://www.ritterim.com/blog/what-are-agents-responsible-for-under-hipaa/ What Beneficiaries Value Most in Medicare Advantage Plans: https://www.ritterim.com/blog/what-beneficiaries-value-most-in-medicare-advantage-plans/   References: A Snapshot of Sources of Coverage Among Medicare Beneficiaries: https://www.kff.org/medicare/issue-brief/a-snapshot-of-sources-of-coverage-among-medicare-beneficiaries 2024 Social Security Changes - COLA Fact Sheet: https://www.ssa.gov/news/press/factsheets/colafacts2024.pdf 2024 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles CMS Fast Facts: https://data.cms.gov/fact-sheet/cms-fast-facts Social Security cost-of-living adjustment will be 3.2% in 2024, well below this year's record-setting increase: https://www.cnbc.com/2023/10/12/social-security-announces-the-cost-of-living-adjustment-for-2024.html

Diving into Deductibles: Untangling the Complexity of Health Insurance PricingDeductibles are an important, yet often misunderstood factor in the American health insurance system. I recently got asked a question from someone wondering if we truly have our health insurance if it doesn't kick in until our deductible is paid. That's why this week on The Amplify OT Podcast, I am breaking down the reasons deductibles are incorporated into our health insurance plans!Join the Amplify OT MembershipAs an exclusive bonus for podcast listeners, you can join the Amplify OT Membership at any time! Join today to take control of your career! It's time to become your own best resource on Medicare and advocacy.In this episode, I cover:The difference between a premium and a deductible. The moral hazard and financial hazard arguments as to why we must pay a deductible on our health insurance.The current and ongoing debate over deductibles happening in Congress.Amplify OT ResourcesWant to keep learning about how insurance and reimbursement impact you? Then head to AmplifyOT.com/Services to see what resources we have available!CLICK HERE to save 40% off Medbridge Today! CONNECT WITH AMPLIFY OT:WebsiteServicesFree NewsletterInstagramLinkedInFacebookTikTok ©Amplify OT

Imagine a future where health plans come with no deductibles and no copays, doesn't it seem like a fantasy? But what if it's not? In our enlightening conversation with James Millaway, the CEO of Zero Health, we unpack the concept of health plans without the burden of deductibles and copays. We trace the history of these cost-sharing measures and their effect on overall healthcare costs. We also highlight the idea of insurance and how it should be a guard against catastrophic risks, not everyday events. Moving onto the second half of our discussion, we delve into the realm of efficient healthcare purchasing and its potential for significant cost savings. We ponder on how employers and brokers can enable their employees to make informed decisions about their care. The talk also covers the integration of care management and the potential savings in medical expenditure. Our discussion reaches its peak as we talk about the future of healthcare and the vital role of trust. We explore Zero Health's impact on this future, and the importance of creating a trustworthy product. Don't miss out on this insightful conversation where we reimagine the future of healthcare.

My Website Agency Launch training. Agency Launch Podcast. Music by Roger Clyne and the Peacemakers Simply Explaining Insurance on ITunes Simply Explaining Insurance on Spotify. On Stitcher On Android use Podcast Addict and search for Simply Explaining Insurance. The post Simply Explaining Insurance #274- What deductibles should I carry? appeared first on Dietz Agency.

The guys discuss Jim's shoulder, deductibles for health insurances, expats, why Portuguese people are great and Lionel Messi's first months in the US. podcast@germany-vs-usa.com

Providers sometimes waive patients' cost‐sharing amounts (e.g., copays or deductibles) as an accommodation to the patient. However, doing so may violate fraud and abuse laws and/or payor contracts. From a payor's perspective, waiving cost‐sharing amounts creates two problems. First, payors often contract with providers to pay based in part on the provider's usual charges. The […] The post Waiving Co-Pays and Deductibles appeared first on Terry Fletcher Consulting, Inc..

Providers sometimes waive patients' cost‐sharing amounts (e.g., copays or deductibles) as an accommodation to the patient. However, doing so may violate fraud and abuse laws and/or payor contracts. From a payor's perspective, waiving cost‐sharing amounts creates two problems. First, payors often contract with providers to pay based in part on the provider's usual charges. The […] The post Waiving Co-Pays and Deductibles appeared first on Terry Fletcher Consulting, Inc..

The status quo insurance scam that exist in America needs to be completely reevaluated. Deductibles are too high, coverage is too limited and your insurer has too much control over your healthcare journey. Wendy Scipione from MPowering Benefits joins us to explore all the advantages of a healthcare plan that you control. Hit subscribe everywhere you get your shows and never miss an episode! Wendy Scipione-720-259-1555 wendys@mympb.com --- Support this podcast: https://podcasters.spotify.com/pod/show/matthew-dark/support

  Why should you register with Ritter Insurance Marketing? What perks do Ritter agents get? We answer those questions and more in this explainer episode! Discover the tools, resources, and advantages you get when partnering with Ritter Insurance Marketing!   Have questions about working with Ritter Insurance Marketing? Email us for answers! ASGPodcast@RitterIM.com   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources: 2023 Medicare Part A & Part B Premiums and Deductibles: https://agentsurvivalguide.podbean.com/e/2023-medicare-part-a-b-premiums-and-deductibles/ 4 Perks of Being a Part-Time Insurance Agent: https://agentsurvivalguide.podbean.com/e/4-perks-of-being-a-part-time-insurance-agent-2023/ 5 Things About CallVault (Compliant Medicare Sales Call Recording: https://agentsurvivalguide.podbean.com/e/5-things-about-callvault-compliant-medicare-sales-call-recording-the-friday-five/ 5 Tips for Selling Medicare Advantage Plans: https://agentsurvivalguide.podbean.com/e/5-tips-for-selling-medicare-advantage-plans-2022/ Apps to Make Your Small Business More Efficient: https://agentsurvivalguide.podbean.com/e/agent-apps-apps-to-make-your-small-business-more-efficient/ Best Practices for Training Downline Agents: https://agentsurvivalguide.podbean.com/e/best-practices-for-training-downline-agents/ Effective Marketing Strategies for Insurance Agents: https://agentsurvivalguide.podbean.com/e/effective-marketing-strategies-for-insurance-agents/ Free eBooks and Guides: https://www.ritterim.com/guides/ Insurance Agents as TPMOs: What 2023 Compliance Regulations Mean for You: https://agentsurvivalguide.podbean.com/e/insurance-agents-as-tpmos-what-2023-cms-compliance-regulations-mean-for-you/ Knight School Online Learning Resource: https://www.ritterim.com/knight-school/ Meet Your Sales Team: https://www.ritterim.com/meet-your-sales-team/ Medicareful: https://www.ritterim.com/agent-tools/medicareful/ Ritter Docs Site: https://docs.ritterim.com/ The Ritter Platform: https://app.ritterim.com/ The Ritter Platform Launches New eScope, FastTrack App, & Profile Features: https://www.ritterim.com/blog/the-ritter-platform-launches-new-escope-fasttrack-app-profile-features/ The Ritter Platform Launches New Drug Cost Estimator and Prefilled Applications: https://agentsurvivalguide.podbean.com/e/the-ritter-platform-launches-new-drug-cost-estimator-and-prefilled-applications/ The Ritter Platform Launches 3 New Tools & Shared Client Records: https://www.ritterim.com/blog/the-ritter-platform-launches-3-new-tools-and-shared-client-records/ The Ritter Platform Launches CallVault for Compliant Medicare Sales Call Recording: https://www.ritterim.com/blog/the-ritter-platform-launches-callvault-for-compliant-medicare-sales-call-recording/ We're Rebranding Medicareful for the 2024 AEP: https://agentsurvivalguide.podbean.com/e/we-re-rebranding-medicareful-for-the-2024-aep/   References: Integrity Marketing Group Website: https://www.integritymarketing.com/

Taxes are always at top of mind in April of every year. However for Camari, this is his daily grind. As an Enrolled Agent he's seen his fare share of tax mishaps, so he's here to share ways to do better with your taxes. In this show you will be informed about:  - Tax Season.  - IRS issues.  - How People Can lower their tax bills More of Camari:  https://www.phillytaxteam.com  Youtube:  @TheFinanceRebel   IG: https://www.instagram.com/thefinancerebel/  =|| Books mentioned ||= How Money Works  https://amzn.to/3VfHQvB  Be sure to subscribe on iTunes, Spotify or wherever you listen to podcasts.  THANK YOU FOR LISTENING!  #ROTHIRA #retirement  #readytoroth #aboutthatwallet #retirementplanning Continue to support the show by subscribing, sharing and leaving comments on your favorite platforms. This help others like yourself find me.   ________ AFFILIATES/SPONSORS: DISCLAIMER: these are sponsored links in which I get paid and you can benefit for being a listener to the podcast. Start your investment journey with free stocks!  https://aboutthatwallet.com/webull  Gain access to over 5,000 training videos to increase your skillset: https://shopakanundrum.com/?ref=atw  Shop on Amazon: https://amzn.to/3tiWXW8  Get Amazon Prime: https://amzn.to/3ORzaHl   Read books on Kindle Unlimited: https://amzn.to/3OBcOdu   My equipment:  Rode Caster Pro - https://amzn.to/3i596tF   Streamyard - https://streamyard.com?pal=4718936395612160  SHURE SM7B Dynamic Microphone - https://amzn.to/3AbV040  Microphone Stand - https://amzn.to/3NIeBfz  Listen to the show on Audible:  Try Audible and get 2 free books - https://amzn.to/3tWuDdJ  _______ Follow Me: Main page: https://www.aboutthatwallet.com  Instagram: https://www.instagram.com/aboutthatwallet  Listen to the podcast on your favorite listening platforms such as Apple, Google, Spotify, Amazon and more!! -- DISCLAIMER: I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in this audio are for educational purposes only. You must do your own research and make the best choice for you.  Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. If you need advice, please contact a qualified CPA, CFP, an attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. --- Send in a voice message: https://podcasters.spotify.com/pod/show/aboutthatwallet/message Support this podcast: https://podcasters.spotify.com/pod/show/aboutthatwallet/support

Steven Wasylkiw is the CEO of Magna Vita Investments based in San Diego, California. They specialize in the acquisition, development, and management of multifamily and commercial properties. In this episode, Steven takes us on his journey to becoming a successful entrepreneur in real estate investments.00:00 Introduction 00:50 What is Steven Doing today? 06:04 Interests Growing Up / Background14:20 Graduating University in 200821:10 People and Sales28:00 Deciding to Buy Real Estate39:05 Buying Rental Property in Chicago51:52 Taxes and Deductibles 58:46 Scaling Up the Business1:08:25 Showing Credibility to Investors1:14:10 Managing Rent Pricing1:22:10 Contact InfoConnect with Steven: Instagram: https://www.instagram.com/realizingyourpotential/Youtube: https://www.youtube.com/@RealizingYourPotential/featuredMentioned in today's episode:Magna Vita Investments: https://magnavitainvestments.comSteven's Book: https://books.google.com/books/about/How_Artificial_Intelligence_Can_Make_You.html?id=aZ6vEAAAQBAJ&source=kp_book_descriptionWant more from Ardan Labs? You can learn Go, Kubernetes, Docker & more through our video training, live events, or through our blog!Online Courses : https://ardanlabs.com/education/ Live Events : https://www.ardanlabs.com/live-training-events/ Blog : https://www.ardanlabs.com/blog Github : https://github.com/ardanlabs

Who remembers fire and tornado drills back when they were in school?! Even though in the moment they seemed like a complete waste of time, looking back as adults it's easy to see how important it is to run a drill of what you would do in the event of a fire. And if you were in the scary scenario where you DID have a fire at your school, you were probably glad to have gone through the motions and rehearsed exactly what you should do. Insurance is kind of like a fire drill- most of the time it feels completely unnecessary, but in the rare instances where you actually need to put it to use, you're more than happy to know you have that policy in place. And while virtually everyone is required to have car insurance, fewer folks have had the misfortune of being in an accident. So one of the problems we're addressing today is what you should do after you've been involved in a car accident- it's a surreal experience that can catch you off guard. We discuss things like diminished value and notifying your insurance company, but we also discuss how you can be financially prepared for accidents and the steps you can take to reduce the cost of insurance.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed an A OK Marzen by Gruner Brothers- thanks for donating this one to the show Katie! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.

Paul shares how your premiums and deductibles could be affected based on your number of work credits. Plus more real life examples

ICYMI: Later, with Mo'Kelly Presents – ‘‘A look at automobile insurance deductibles and how to handle things after an accident with regular guest contributor Joel Larsgaard; Host of KFI AM 640's ‘How to Money'…PLUS – KFI Reporter Kris Adler joins the program with the latest on the Inglewood ‘Peoplemover' on KFI AM 640 – Live everywhere on the iHeartRadio app

When you think about the complexities that employers face when they select their health plan for this year, there's a very good chance that your patients' benefits have changed in some way from what they were used to from last year. Add to that fact that no one really reads all the way through that nice benefits statement that human resources gives them…and then your patient appears in your office with a new problem. You might need diagnostics, or a new prescription medication, or a referral to a sub-specialist. Or maybe you are the sub-specialist. Regardless, one thing is true: your patients expect you and your team have “magical and omniscient plan knowledge” and that they expect that you're completely dialed in to all of the nuance of their particular plan design. They expect that you are only going to order tests or write prescriptions or make referrals for things that are covered on THEIR specific plan. I know it's not fair. I know it's ridiculous. And, they will still have that expectation.You may not hear the fallout from this as much as your billing team does, but if I had a nickel for every time I heard a patient say, “Well, why did the doctor order it if it wasn't covered by my plan?” I'd be retired on a tropical island somewhere.Join us for this episode of Medical Money Matters where we'll talk about managing the patients' part of their medical bill. We'll cover multiple strategies from check in, all the way through scripting you can use to shift the responsibility for understanding benefits back to the patient.Please Follow or Subscribe to get new episodes delivered to you as soon as they drop! Visit Jill's company, Health e Practices' website: https://healtheps.com/ Subscribe to our newsletter, Health e Connections: http://21978609.hs-sites.com/newletter-subscriber Want more content? Find sample job descriptions, financial tools, templates and much more: www.MedicalMoneyMattersPodcast.com Purchase your copy of Jill's book here: Physician Heal Thy Financial Self Join our Medical Money Matters Facebook Group here: https://www.facebook.com/groups/3834886643404507/ Original Musical Score by: Craig Addy at https://www.underthepiano.ca/ Visit Craig's website to book your Once in a Lifetime music experience Podcast coaching and development by: Jennifer Furlong, CEO, Communication Twenty-Four Seven https://www.communicationtwentyfourseven.com/

If you'd like to book a complimentary Medicare Consultation Click Here: https://calendly.com/ariamedicare/medicareconsultationDon Anders sits down with Todd Labellman to discuss Medicare and how it applies to FRS retirees. In this video, Don and Todd go into frequently asked questions about medicare from people exiting the FRS DROP Program and other Florida Retirement System retirees. They get into the different types of medicare plans, when the FRS participant can enroll in medicare, FRS Health Insurance Subsidy (FRS HIS) and much more. Note:Medicare Advantage Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply. Plans purchased after initial enrollment period are subject to eligibility requirements. 

In this episode of Your Next Money Move, Trent and Derek tackle the age-old question: "How high should I set my car insurance deductible?" They break down the basics like how deductibles impact premiums, the importance of an emergency fund, and the benefits of not filing claims. They also tackle the overconfidence bias and the notion that insurance is a bet, and apply those same principles to other types of insurance like health and disability. Check out our website, where you can sign up for our newsletter and find other free resources: Your Next Money Move Connect with us on social media: Your Next Money Move on Instagram Your Next Money Move on Twitter Derek Lawson on LinkedIn Trent Porter on LinkedIn