Podcasts about extra help

Take our free Business English Score Quiz here. Take the quiz and find out your Business English score. How prepared are you for English at work? Do you love Business English? Try our other podcasts: All Ears English Podcast: We focus on Connection NOT Perfection when it comes to learning English. This podcast is perfect for listeners at the intermediate or advanced level. This is an award-winning podcast with more 4 million monthly downloads. IELTS Energy Podcast: Learn IELTS from a former Examiner and achieve your Band 7 or higher, featuring Jessica Beck and Aubrey Carter Visit our website here or https://lnk.to/website-sn Send your English question or episode topic idea to support@allearsenglish.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

There's a Medicare “Extra Help” program provided by the Social Security Administration which helps with prescription drug costs. The program helps low income individuals pay their Medicare prescription (Part D) drug coverage, like premiums, deductibles, coinsurance, and other costs. Everyone who qualifies for the Extra Help program will pay: $0 Read More Shared by United Resource Connection March 8, 2025

Kent Swanson, Matt Lane, and Matt Hamilton preview the Chiefs Week 13 matchup against the Las Vegas Raiders. — The Soul of KC Holiday Raffle & Toy Drive is BACK to spread joy and make a difference! Purchase tickets and be entered for a chance to win some awesome prizes. Venmo

  Get the details on Medicare Extra Help (Low Income Subsidy) in this ASG Podcast explainer. Find out how agents can look up this info for clients, the income limits, and more!     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: 7 Powerful Practices for Selling Prescription Drug Plans: https://ritterim.com/blog/7-powerful-practices-for-selling-prescription-drug-plans/   Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 How to Help Clients Avoid Medicare Late Enrollment Penalties: https://ritterim.com/blog/how-to-help-clients-avoid-medicare-late-enrollment-penalties/ How to Save Your Clients Money on Prescription Drugs: https://ritterim.com/blog/how-to-save-your-clients-money-on-prescription-drugs/   The Beginner's Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/ The Part D SEP Triggers That Can Help You Post-AEP: https://ritterim.com/blog/the-part-d-sep-triggers-that-can-help-you-post-aep/ What Agents Can't Say During Medicare Sales Appointments: https://ritterim.com/blog/what-agents-cant-say-during-medicare-sales-appointments/   What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245   References:  “Apply for Medicare Part D Extra Help Program.” SSA.Gov, Social Security Administration, www.ssa.gov/medicare/part-d-extra-help. Accessed 25 Oct. 2024. “Extra Help with Medicare Prescription Drug Plan Costs, Social Security.” SSA.Gov, Social Security Administration, secure.ssa.gov/i1020/Ee001View.action. Accessed 25 Oct. 2024. “Guide to Consumer Mailings from CMS, Social Security, and Plans in 2024/2025.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/prescription-drug-coverage/limitedincomeandresources/downloads/consumer-mailings.pdf. Accessed 25 Oct. 2024. “Low Income Subsidy for Medicare Prescription Drug Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/enrollment-renewal/part-d-plans/low-income-subsidy. Accessed 25 Oct. 2024. “Medicare Savings Programs Eligibility and Coverage.” NCOA.Org, National Council on Aging, 27 Feb. 2024, www.ncoa.org/article/medicare-savings-programs-eligibility-coverage/. “News and General Resources.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare/resources-0. Accessed 25 Oct. 2024. “State Health Insurance Assistance Program (SHIP).” Shiphelp.Org, State Health Insurance Assistance Program, www.shiphelp.org/. Accessed 25 Oct. 2024. “Supplemental Security Income (SSI).” SSA.Gov, Social Security Administration, www.ssa.gov/ssi. Accessed 25 Oct. 2024. “Understanding the Extra Help with Your Medicare Prescription Drug Plan.” SSA.Gov, Social Security Administration, 1 Feb. 2024, www.ssa.gov/pubs/EN-05-10508.pdf.   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.

Senior Helpers Lemay is a home healthcare service company that provides extra help with daily tasks and chores from friendly, compassionate care professionals to seniors who need an extra hand but still want to live in their homes and stay as independent as possible. Senior Helpers - Fort Collins City: Fort Collins Address: 2201 South Lemay Avenue Website: https://www.seniorhelpers.com Phone: +1 970 344 9698

50-80% of women experiencing menopause symptoms want relief WITHOUT using HRT.  You CAN stop hot flashes and other menopause symptoms without the risk of adverse effects associated with HRT! Find out how right here! And don't miss the following topics that Terry will also discuss on this show: Menopause The Proper Time to Take Melatonin I Say No to Seed Oil Curcumin for Preventing Diabetes-Related Heart Disease Stress Affects Men and Women Differently

In deze extra aflevering gaan we in op de actualiteiten over het potentiële hospice in Bloemendaal. Gemeente en zorginstellingen waren enthousiast, maar de buurtbewoners minder. Zij dreigden met eindeloze procedures. En met succes, het hospice komt er niet. Waar komt deze angst vandaan? En waarom zijn hospices zo belangrijk? Sander reageert voor het eerst over de commotie en de terugtrekking van het hospice. Schrijf je in voor de lezing in Haarlem via deze link

When an elderly loved one starts to show signs they're having trouble living independently, initiating conversations about elder care can be challenging. We talk to gerontologist Dr. Louise Aronson about how to broach sensitive topics like giving up driving, accepting in-home assistance or transitioning to a care facility. And we'll hear from you: how have you navigated conversations about elder care with a parent or loved one? Or if you're an older individual, how have you advocated for yourself? Guests: Louise Aronson, geriatrician and professor of medicine, University of California, San Francisco; author of "Elderhood: Redefining Aging, Transforming Medicine, Reimagining Life"

For a 20% discount on Rabbi Ashear's new book on parnassah click the link below https://www.artscroll.com/ Books/9781422640708.html The pasuk says in this week's parashah Bechukotai that if the Jewish people are following the mitzvot properly, then when they go to war, five of us will pursue a hundred of our enemies and a hundred of us will pursue ten thousand enemies. Rashi asks, to conform to the ratio here of five pursuing a hundred, which is one to twenty, it should have said that a hundred will pursue two thousand. Why does it say that a hundred will pursue ten thousand? Rashi answers, you can't compare the zechut of many people following the Torah to a few people following it. The zechut of the many is exponentially greater than the zechut of the few. This example of war is just one of the many places where we see that things happen in this world based on our zechuyot . The more zechuyot we have, the more Heavenly help we get. People who know this are constantly looking for more ways to gain zechuyot . A man told me about six months ago, the doctor saw something of concern in his wife and ordered a retest for this past week. The test was on Tuesday and so he and his wife read the entire Tehillim on Sunday, and then he asked Hashem to please send him an opportunity to get the zechut he needs for everything to be okay with his wife. The next day, on Monday afternoon, a rosh yeshiva came to his office for the first time in his life. He brought his son with him, explaining a very important project that he was working on and asked if he would be interested in partnering with him financially to benefit Klal Yisrael. The man was so happy to get this opportunity. He understood it was sent by Hashem and he agreed to help them. Baruch Hashem, the next day, his wife was declared completely healthy. A rabbi told me, recently his wife's cell phone broke and was completely irreparable. She asked the man in the store if he could at least get her contacts off it. The man said with the issue on her phone it would take a miracle to get the contacts off, but if she wanted, she could pay twenty dollars and leave it there and he would try it. She really needed the contacts, so she said okay. The next day, her husband, the Rabbi, spotted a cell phone in the corner of the coatroom in his yeshiva. It was covered in dust and looked like it had been there for a long time. He saw it as an opportunity to get a zechut and find its owner. He picked up the phone and spent time trying to track down the owner based on the contacts. He finally got in touch with the owner's brother who gave him the number of his wife. When he called the wife's phone and told her he found her husband's phone, she immediately called her husband with excitement and said, “Baruch Hashem, someone found your phone.” It had been lost since before Pesach and because a new phone was so expensive, they were holding out hoping someone would find it. The Rabbi got the zechut of helping someone else with their phone and later that evening, the phone store called and said, it was a miracle, they managed to get all his wife's contacts off her phone. Many times, Hashem wants to give us extra help and the way He does it is by first presenting us with an opportunity to gain the zechut we need. Whether we get something out of it or not, we should always be looking to gain as many zechuyot as possible. Shabbat Shalom.

There's a Medicare “Extra Help” program provided by the Social Security Administration which helps with prescription drug costs. The program helps low income individuals pay their Medicare prescription (Part D) drug coverage, like premiums, deductibles, coinsurance, and other costs. Everyone who qualifies for the Extra Help program will pay: $0 Read More Shared by United Resource Connection March 7, 2024

 TURKANA FARMS, LLCGreen E-Market Bulletin February 4, 2024Nilufer waits for a lift Photo by Mark ScherzerFor Those Who Need a Little Extra HelpHi all, Mark here.I have a bothersome earworm. In my case, it's not a song, but a radio... Read More ›

 TURKANA FARMS, LLCGreen E-Market Bulletin February 4, 2024Nilufer waits for a lift Photo by Mark ScherzerFor Those Who Need a Little Extra HelpHi all, Mark here.I have a bothersome earworm. In my case, it's not a song, but a radio... Read More ›

 TURKANA FARMS, LLCGreen E-Market Bulletin February 4, 2024Nilufer waits for a lift Photo by Mark ScherzerFor Those Who Need a Little Extra HelpHi all, Mark here.I have a bothersome earworm. In my case, it's not a song, but a radio... Read More ›

How long do you go during the winter without taking an "everything shower"? Ben and Ava were in Crew's Court because he thinks they need too hire some help around the house! & more

Senior Helpers Loveland is a company located in Loveland, Colorado that provides quality in-home care to the senior population that might need some extra help at home. Senior Helpers - Loveland City: Loveland Address: 201 E 4th St Website https://www.seniorhelpers.com/co/fort-collins/ Phone +1 970 658 8228 Email Gil@seniorhelpers.com

This episode of the Weekly Tradecast looks at the unique challenges for landlocked countries that impede their trade and development with UNCTAD senior economist Mussie Delelegn. There are 32 developing countries without access to the sea, leaving them with far higher bills to import and export goods by road and rail. In many places, poor infrastructure and border bureaucracy add time, cost and complication.  These extra demands put even more pressure on vulnerable economies being hit by higher costs of food, energy and debt.  Tune in to UNCTAD's Mussie Delelegn to find the key to unlocking better prospects for trade and development in landlocked countries.

In this episode of the Jaded Mechanic podcast, Jeff is joined by guest Jesse Sammons. They discuss the nerves and self-doubt that can come with being surrounded by impressive individuals in the automotive repair industry. Jeff shares his tactic of surrounding himself with smarter people and how it has benefited his career.We discuss a positive work environment for their employees, drawing from their own negative experiences in previous workplaces, and fostering a growth-minded culture where individuals not only enjoy their work but also find fulfillment in their interactions with colleagues.Additionally, we disucss establishing a space where individuals can enhance their skills and grow professionally and the importance of employees improving their abilities, as this will enable the business to offer higher compensation. The main objective? Cultivate a better work environment and provide learning opportunities, ultimately fostering a positive and growth-oriented culture within our businesses.During the episode, the Jesse reveals that one of their motivations for starting his own business was to enhance the customer experience. He observed numerous instances of poor customer service, lack of transparency, and neglect of minor details, resulting in negative experiences for customers. His aim is to address these issues by ensuring accurate information, professionalism, and transparency in his service.Furthermore, Jesse acknowledges the challenges faced by the industry as a whole, such as rapid technological advancements and a shortage of skilled professionals. They recognize that other industry experts possess valuable knowledge and experience in navigating these challenges. Jesse emphasizes the importance of communication and collaboration among professionals to overcome these obstacles and enhance the overall customer experience.Overall, the episode highlights the speaker's commitment to improving the customer experience and addressing common industry problems. They believe that through transparency, professionalism, and mutual support, professionals in the industry can bring about positive change and provide superior services to customers.In this episode, we underscore the significance of collaboration and learning from others as a means to improve and achieve success. They emphasize that other businesses in the industry are not competitors, but rather have their own customer base, clients, and unique approaches. And by assisting one another and drawing from each other's experiences, individuals can learn and reach their full potential. Moreover, when everyone in the industry recognizes the value of collaboration and learning from others, the industry as a whole can undergo a positive transformation.Tune in for an insightful conversation about personal growth and finding your place in the industry.

We talk all the time about self care, but it's not just getting pampered or finding time to read. Self Care is caring for your mental health too. This week we talk when our limits are reached. It's OK to ask for help! Tune in! This week's episode is sponsored by Retouch Up! Sign up for your free account at www.retouchup.com and use the coupon code GYST10 to receive $10 off your service!

https://www.GoodMorningGwinnett.com Listen to the show Monday-Thursday at 10am. Learn all about people and places around Gwinnett County. Hey if you're enjoying the show, horoscope & morning inspiration, help me keep up the good feelings by buying me a cup of coffee. Just click the link below. https://www.buymeacoffee.com/AudreyBK_________________________________________________The Georgia Foundation for Public Education has awarded a prestigious innovation pilot grant to the Georgia Gwinnett College Foundation in support of math tutoring for elementary school students in need of targeted support.The Innovative Education Fund Prototype Grant was awarded over one year to pilot an innovative education program that “has the potential to impact student outcomes and transform teaching and learning practices at the school or district.”SOURCE:www.GwinnettDailyPost.com

Join us for a free 5 Day Love Yourself Challenge   Hey there! Today I wanted to explore some ways to recognize that you may need some outside help with your emotions. While these are 3 different signs, you may experience all three at different stages in life so it's super important to evaluate where you are and if something needs to change.    My name is Aubrey and I am an intuitive Coach and healer. For the last 15 years, I have been working one-on-one with my clients to reach their ultimate potential. And I ran a photography business for the last 8 years as well. My combined work of being a Reiki Master, Subconscious Release Technique Practitioner and a creative entrepreneur has taught me so much about our thoughts impact every aspect of life and I want to share it all with you.  Because you know what, I've been there. But at some point, I stopped letting life happen to me, and I created the life that I knew I deserved all along.   Join me weekly as I dive into the most common thought patterns that show up in our industry and give you practical solutions to release them never to bother you again. Imagine a life with less stress and free from everyday triggers.   Join the FB community - https://www.facebook.com/groups/groundedwithaubrey   Deep Healing for the Creative Soul Course- https://abstoryteller.com/intuitive-coach  

Attention all architecture, engineering, and construction (AEC) professionals! Are you struggling to scale your business? Look no further than the Building Scale podcast. Our latest episode features an insightful interview with Meg Tidd, CEO of VIP Structures, who shares her unique approach to bringing design and construction together under one roof. With a focus on people, process, and technology, Meg, Justin, and Will discuss the importance of aligning with partners who share your beliefs, creating long-term job opportunities for underserved communities, and taking care of oneself first. Meg also emphasizes the need for small intentional changes that can have a profound impact on the community and the environment. With COVID-19 forcing companies to adapt, Meg shares her experience transitioning to a work-from-home model and the challenges of scaling a business while prioritizing operations and infrastructure. Don't miss out on the valuable insights shared in this episode.Tune into the Building Scale podcast and start scaling your business today!- The Building Scale podcast focuses on how successful AEC companies scale their businesses using people, process, and technology.- The podcast features an interview with Meg Tidd, the CEO of VIP Structures, which offers a unique approach to building by bringing design and construction together under one roof.- VIP Structures aims to bring an owner's perspective to projects and make suggestions to clients and is committed to giving back to the community through volunteering and donations.- The company is focusing on creating long-term job opportunities for minorities, women-owned services, able veteran companies, startup companies, and other companies that they want to mentor.- The podcast discusses the importance of paying attention to the whole person, rather than just focusing on business growth, and making small intentional decisions on design projects that have a profound impact on the community.- Meg emphasizes the need for cost-effective and efficient tweaks that can significantly impact the surrounding community and the importance of celebrating differences in companies and individuals.- The podcast also discusses the challenges of scaling a business and hitting a ceiling when sales are prioritized over operations and infrastructure, the impact of the COVID-19 pandemic on a business, and the transition to working from home.- The importance of investing in people and leveraging technology is emphasized, as well as the need for a more cohesive approach in the building industry.- The podcast also explores the concept of scale and its importance in various aspects of life, emphasizing the significance of identifying the right solution for a particular problem or situation. Connect with Meg - Website - https://www.vipstructures.com/LinkedIn - https://www.linkedin.com/in/megtidd/Email - mtidd@vipstructures.comConnect with the Justin & Will -Will's LinkedIn: https://www.linkedin.com/in/willforet/Justin's LinkedIn: https://www.linkedin.com/in/justneagle/Learn More & Connect With Spot Migration - Website: https://www.spotmigration.com LinkedIn: https://www.linkedin.com/company/spot-migrationFacebook: https://www.facebook.com/spotmigrationYoutube: https://www.youtube.com/c/Spotmigration

Everyone needs a little help now and then. In this episode, we look at several ways HCC provides students extra help with their classwork. Guests: Amanda Guerrero,  Director of Instructional Support, HCC Academic Success Center Alex G. Kanakis Manager, Upswing Pauline Warren, Ph.D. Director, Supplemental Instruction Web links hccs.edu/tutoring hccs.upswing.io hccs.edu/resources-for/current-students/supplemental-instruction/   #tutoring #onlinetutoring

A federal government report from December found that half of all U.S. students started this school year behind their grade level in at least one subject. Many American education experts say tutoring is the best way to help students make up for learning loss during the COVID-19 pandemic. But, although many schools have received a lot of federal aid, only a small number of students have been getting tutored. That finding comes from research by the nonprofit news organization Chalkbeat and the Associated Press. The two organizations surveyed 12 of the nation's school systems. Eight systems provided information. The schools reported that fewer than 10 percent of students received any kind of tutoring in the fall of last year.去年 12 月的一份联邦政府报告发现，本学年开始的所有美国学生中，有一半至少在一门学科上落后于他们的年级水平。许多美国教育专家表示，补习是帮助学生弥补 COVID-19 大流行期间学习损失的最佳方式。但是，尽管许多学校获得了大量联邦援助，但只有少数学生接受了辅导。这一发现来自非营利性新闻机构 Chalkbeat 和美联社的研究。这两个组织调查了全国 12 个学校系统。八个系统提供了信息。这些学校报告说，去年秋天只有不到 10% 的学生接受过任何形式的辅导。A new tutoring group in Chicago served about three percent of students, officials said. But less than one percent of students in three big school systems received tutoring. They were Georgia's Gwinnett County, Florida's Miami-Dade County, and Philadelphia, Pennsylvania. Philadelphia reported that 800 students had been tutored. In those three systems, there are more than 600,000 students who spent no time in a tutoring program last fall. The low tutoring numbers suggest several problems. Some parents said they did not know tutoring was available or did not think their child needed it. Some school systems have struggled to hire tutors. Other school systems said their small tutoring programs were part of their efforts to meet students' greatest needs. Whatever the reason, the result is clear: at an important time for students' recovery, millions of children have not received the extra help.官员们说，芝加哥一个新的辅导小组为大约 3% 的学生提供服务。但在三大学校系统中，只有不到百分之一的学生接受了辅导。它们是佐治亚州的格威内特县、佛罗里达州的迈阿密-戴德县和宾夕法尼亚州的费城。费城报告说有 800 名学生接受了辅导。在这三个系统中，去年秋天有超过 600,000 名学生没有参加辅导课程。辅导人数少表明存在几个问题。一些家长表示他们不知道有补习班，或者认为他们的孩子不需要补习班。一些学校系统一直在努力聘请导师。其他学校系统表示，他们的小型辅导计划是他们努力满足学生最大需求的一部分。不管是什么原因，结果很明显：在学生康复的重要时刻，数以百万计的孩子没有得到额外的帮助。“It works, it's effective, it gets students to improve in their learning and catch up,” said Amie Rapaport. She is a researcher with the University of Southern California (USC) who is studying why so many students are not getting intensive tutoring. The Indianapolis school district last year began two tutoring programs that connect students with teachers by video link. One is available to all students after school. The other is offered during the day for some low-performing schools.District officials said the tutoring test program improved student test scores. Parents also liked the program. The two programs served 3,200 students last fall. That is about 17 percent of students in district schools. Two other tutoring programs operate at a small number of schools.Amie Rapaport 说：“它行之有效，它可以让学生提高学习水平并赶上进度。”她是南加州大学 (USC) 的一名研究员，正在研究为什么这么多学生没有接受强化辅导。印第安纳波利斯学区去年开始了两个辅导项目，通过视频链接将学生与教师联系起来。放学后所有学生都可以使用一个。另一种是在白天为一些表现不佳的学校提供的。地区官员说，辅导测试计划提高了学生的考试成绩。家长们也很喜欢这个节目。去年秋天，这两个项目为 3,200 名学生提供了服务。这大约占地区学校学生的 17%。另外两个辅导项目在少数学校开展。The school district also said that only 35 percent of the students who registered for after-school tutoring last fall attended more than one session. Marc Ransford is the Indianapolis Public Schools spokesperson. He said the district wants to improve attendance and hopes to sign up more students for tutoring next school year. A federal survey from December found schools reported that about 10 percent of students received intensive tutoring several days a week. The real number could be lower. Only two percent of U.S. households said their children are getting intensive tutoring, a study from USC found. Schools trying to increase tutoring face problems, including hiring and planning. Experts say tutoring is most effective when provided three times a week for at least 30 minutes during school hours. Offering after-school or weekend tutoring is simpler, but attendance is often low.学区还表示，去年秋天注册课后辅导的学生中，只有 35% 参加了不止一节课。马克·兰斯福德 (Marc Ransford) 是印第安纳波利斯公立学校的发言人。他说学区希望提高出勤率，并希望在下一学年招收更多学生参加辅导。去年 12 月的一项联邦调查发现，学校报告说，大约 10% 的学生每周有几天接受强化辅导。实际数字可能更低。南加州大学的一项研究发现，只有 2% 的美国家庭表示他们的孩子正在接受强化辅导。试图增加辅导的学校面临着招聘和规划等问题。专家表示，在上课时间每周提供 3 次每次至少 30 分钟的辅导是最有效的。提供课后或周末辅导更简单，但出勤率通常很低。Low family interest has been another problem. Although test scores sharply dropped during the pandemic, many parents do not believe their children experienced learning loss. In Wake County, North Carolina, the school district began planning a reading tutoring program in November. District officials last month said volunteers are tutoring fewer than 140 students. That is far fewer than the 1,000 students the program was designed to help. Many worry that not enough students are getting the help they need even as programs continue to grow.家庭兴趣低下是另一个问题。尽管大流行期间考试成绩急剧下降，但许多家长并不认为他们的孩子有学习障碍。在北卡罗来纳州的维克县，学区于 11 月开始计划一项阅读辅导计划。地区官员上个月表示，志愿者辅导的学生不到 140 人。这远远少于该计划旨在帮助的 1,000 名学生。许多人担心，即使项目继续增长，也没有足够的学生得到他们需要的帮助。

AP correspondent Ed Donahue on Food Stamps.

If it's available why not do everything you can to take it?  Maybe the only thing standing in your way is knowing what questions to ask.  Most of the time, it's not even the quality of the question that is the problem; it's simply having the courage to ask in the first place.  When you do, your agency is open to an entirely different level of progress.  Ashley DeCarteret, President of Harbor Brenn Insurance Agency, talks about her journey finding those answers. 

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A Little Extra Help

A Little Extra Help

Gambo and Tim Ring, in for Burns, look at the weak spots on the Arizona Cardinals' roster ahead of the final preseason game. How will they look to address those improvements?See omnystudio.com/listener for privacy information.

Paul shares about Extra Help and how you can take advantage of it. Plus more real life examples.

Medicare Financial Assistance | Public Service Announcement Medicare Financial Assistance | Public Service Announcement New York Times article reveals a stunning fact about Medicare Savings Programs and Extra Help, financial aid to Medicare beneficiaries. Link to article: https://www.nytimes.com/2022/05/20/business/medicare-retirement-health-care.html?smid=tw-share CONNECT:

Show Notes 00:00 Introduction 00:22 Medicare part A 06:39 Medicare part B 15:35 Medicare part D Links Referenced: medicare.gov: https://medicare.gov Zach's email: mailto:zach@getsbi.com Nick's email: mailto:nick@getsbi.com Facebook: https://www.facebook.com/seniorbenefitinc Webpage: https://seniors-livinghealthy.com/ TranscriptAnnouncer: Welcome to our fireside chat with Seniors Living Healthy, the podcast that helps prepare and educate you as you enter and live out your golden years. With over 10 years of experience, Nick and Zach are experts in the senior market and are here to help you live a healthy, full life. And now fireside with your hosts, Nick Keene, and Zach Haire.Nick: Hello, and welcome to season two of Seniors Living Healthy, episode one. I'm Nick. And I have Zach, our co-host with us.Zach: Hey, folks.Nick: And for episode one of season two, we want to cover parts A, B, and D of Medicare, and the changes for 2022. So Zach, let's jump right in.Zach: Sounds good. So, kind of start off there from the top, Part A, just like in the alphabet, starting out with the first letter there, you know, that is our hospitalization, sir. You know, Nick, what are some common things that Part A covers?Nick: Yeah, so Part A kicks in when individuals are admitted to the hospital. It's worth mentioning, Zach, that they're admitted because we are seeing more commonly that people are being put in the hospital under observation. And that is actually covered under Part B. So, very simply, anytime someone is admitted to the hospital, not under observation, Part A kicks in.Zach: Got you. So, let's say, you know, I'm getting ready to turn 65 in a few months. I'm still working things like that, how do I get Part A? What do I have to do to qualify for it?Nick: Great question, Zach. We do get this question quite frequently. So, the most common way to qualify for Medicare is those individuals that have worked 40 quarters or ten years and paid into Medicare via payroll taxes, right? Those individuals get Medicare the month of their 65th birthday.Zach: Got you. So, no matter what, they're going to get Part A. I know you said you paid into it while you're working. Is there any additional costs added to that?Nick: Right. So, great question there, Zach, and worth mentioning here as well. For those individuals that qualify traditionally for Medicare, they worked 40 quarters, ten years, and paid in, Part A is premium-free, think of it as prepaid. But also you have those individuals that may qualify based on their spouse's, right? Their spouses may have worked 40 quarters or ten years, they also qualify for Medicare Part A the month of their 65th birthday.Then the third situation, there is a cost. And those individuals that don't have a spouse that qualifies for Medicare they can draw off of and don't have the credits themselves, depending on how much they have worked and paid in, Part A can be purchased.Zach: Yeah. So, you do still have the ability to get Part A, if you don't ‘qualify', you can always pay for that and pick it up.Nick: Absolutely.Zach: So, we know that in most cases, there's no additional premium; you've paid into it as you were working. Are there any other, you know, common costs associated with using Part A, whether it be a deductible, whether it be you know, skilled facility care, things such as that?Nick: Absolutely. So, yeah. So, basically with Part A, the way it works is it's designed with what we call a Medicare period of care, right? So, when those individuals that have Part A are admitted to the hospital, they are immediately responsible for a $1,556 deductible in the year 2022 that covers their first 60 days in their period of care, right? So, for those individuals, they go in, they pay that $1556 deductible, they're covered for the first 60 days, right?But it's worth mentioning that if they go beyond day 60 they do have additional cost, right? And that period of care doesn't end until they go a continuous 60 days without accessing care under Part A. So, assuming their period of care extends, day 61 through 90, those individuals are going to be responsible for $389 a day that they're in the hospital, and day 91 and beyond using those 60 lifetime reserve days, they're going to be responsible for $778 a day. You know, and the other thing to touch on here, Zach, that you mentioned is skilled facility care, right? So, we've seen a major transition in our market over the last five to ten years.You can recall when we were little, people had extended stays in the hospital, you know, people were in their one, two, four, six months. That doesn't happen really anymore, right? What we're seeing, the trend is individuals are being admitted to the hospital, they're being stabilized, and they're being shipped off to skilled facility care centers, right? And you know, whether that's for a hip replacement or a knee replacement, they fell and they broke something, speech, occupational therapy, whatever it may be, these individuals are staying at the skilled facility care centers for extended periods of time, not in the hospital. So, to qualify for Medicare to cover skilled facility care, they have to be in the hospital for at least three days and be admitted to the skilled facility care center within 30 days of being discharged. If those criteria are met, Medicare will cover day 1 through 20, one hundred percent, and then day 21 through 100, the individual is responsible for $194.50 per day.Zach: Got you there. So, you know, once someone is on Part A [everything 00:05:16], is there any limits where they can go, networks, anything like that?Nick: Yeah, one of the beauties of Medicare, Zach, and you know, we tell clients this all the time is Medicare's a nationwide program, right? California, North Carolina, Michigan, to Florida, and everywhere in between. They can access care, right? And that's one of the great things about Medicare is almost all facilities, almost all doctor's office accept Medicare. So, they have no restrictions, they can go just about anywhere they want.Zach: Got you. So, kind of wrapping up Part A there is, anyone can get that as long as you've worked 40 quarters or your spouse has worked 40 quarters. You're able to get that the month you turn 65, the first day of the month.Nick: Absolutely.Zach: And no matter whether you're continuing working or what you've got Part A?Nick: Yep.Zach: And with Part A alone, there was a $1,556 deductible on that they'd be responsible for but then, you know, it does help you in the skilled facility care things such as that, along with your 60-day continuous window of care. And again, no network so you can go wherever you want to go if you've got that Part A; pretty much every hospital, I'd say, in America takes Medicare.Nick: Absolutely, Zach. And just to wrap up on Part A, you know, one of the things that people need to remember is Part A is just hospital admittance insurance. Most of your typical services that are everyday needs are happening on outpatient care, or Part B, which we will be covering shortly.Zach: All right, so now we're going to roll into Part B, again, following our alphabet here, B comes right after A. So B, if you look at your red, white, and blue Medicare card, it is going to say medical, but we refer to it as outpatient.Nick: Absolutely, yeah. Yeah. And, you know, we try to eliminate confusion there because the Medicare card says ‘hospital' for Part A and ‘medical' for Part B, but we kind of feel both of those are medical, right? So, we like to explain Part B as anything that is outpatient care, or care that is not admitted into the hospital.Zach: Exactly, yeah. So, kind of got that cleared up. What exactly does it cover when it comes to different things?Nick: Yeah. So, Part B is by far the most common Medicare part, right? It's the most common used, and it literally covers any Medicare-approved charge outside of being admitted to the hospital, right? So, that could be hospital admittance under observation, that could be lab work, physical therapy, CAT scans, MRIs, doctor visits, primary care, or specialists, durable medical equipment, diabetic testing supplies, all those things encompass Part B.Zach: So, we know in Part A you get that automatically when you turn 65. Part B work the same way, or is there a few more hoops to jump through for that?Nick: Yes. So, for Part B, you know, that individual that qualifies for Medicare, either off their work experience or off of a spouse's work experience, they still are eligible to get Part B the month of their 65th birthday, right? However, with Part B, there is a premium, so Medicare does allow it to be elective.Zach: So, with it being elective, how does that situation play out? Do I have to take Part B when I turned 65? If I have creditable coverage, am I fine? You know, if I don't take am I going to get penalized? How does that work?Nick: Yeah, so we're seeing this question come across our desk more and more, Zach. It seems like in this day and age, more and more people are working post-65. We didn't run into this a lot five years ago. But basically, the way it's working is for those individuals that are Medicare-eligible, turning 65, they qualify for Medicare, they can still take Part B the month of their 65th birthday, but if they're still working and have credible coverage, right, which is defined as coverage, at least equivalent to Medicare, they do not have to take Part B. They can postpone it without penalty, assuming they have credible coverage.Zach: Got you. So, you said, you know, 2022, that average premium is $170.10.Nick: Yep.Zach: Which leads you to say if that's the average, there can be some outliers. Is there a way to make that cost lower?Nick: Yeah. So, you know, for a lot of individuals out there, they qualify for what's called Medicare Savings Programs, right? And we know those different programs, whether that's QMB, SLMB, Extra Help those types of things, those programs are designed to reduce or eliminate the premiums, deductibles, and copays associated with Part B, right? So, there are individuals that pay less, there are individuals that pay nothing if they qualify for those Medicare Savings Programs. And it's worth mentioning, to qualify for those programs, you need to reach out to Medicare, the Social Security office that goes through them.Zach: I'd be willing to bet it works the other way, too. I bet they can get a multiplier on you also.Nick: Yep, yep. So, what we see—you know, and once again, we're seeing it more and more as people are coming out of the workforce later in life—those individuals have what's called an IRMA, right, Income-Related Medicare Adjustment. So, if you have income levels above certain thresholds, Medicare is actually going to charge a multiplier, right, you're going to pay more than that $170.10 in 2022. medicare.gov is a great resource, they have the chart right there on the website, showing what those brackets are to get higher Part B costs.So, we certainly encourage people that think they may fall into that bracket, get on medicare.gov, reach out to us, you know, we can ask a couple questions and tell them what they would be looking at.Zach: Got you. So, kind of how we're on the cost of Part B—Nick: Sure.Zach: You know, if someone doesn't have credible coverage and they don't take Part B, then down the road they take Part B, what kind of penalty are they looking at?Nick: Yeah, so the government is penalizing those individuals that don't have Medicare and don't have credible coverage, right? And the penalty that they impose is 10% of the cost of Part B, per full year not covered either via Part B or creditable coverage, right? And it's worth mentioning, if they try to apply for Part B down the road, they're still going to pay that standard premium, they're going to pay that penalty on top of it, and unless they qualify for one of those Medicare Savings Programs like we were talking about, that's never going away.Zach: Yep so looking there, at you know—there are different times to enroll, in that, you know, when people do turn 65, a lot of times they take A and B at the same time.Nick: Yep.Zach: You can delay Part B, as we've talked about. What are those—that situation look like? If someone delays Part B, does that vary from when they turn 65?Nick: Absolutely. So, for individuals that are taking Original Medicare when they're turning 65, those individuals, you know, they get it the month of their 65th birthday. But for those individuals that are delaying Medicare, right, there's two different groups that it's worth mentioning here. For those people that have credible coverage that are still working, you know, they can take Part B anytime concurrent with their loss of coverage, or retirement, right, they have what's called a special election period. But the thing to mention is for those individuals that delay Part B that don't have credible coverage, they can only apply for Part B at certain times throughout the year, right?And that's what's called the general election period. Zach, right? And basically what that is a period from January 1st through March 31st each year that they can apply for Medicare Part B to go into effect 7/1 of that year.Zach: Right. So, you know, kind of look at you have your annual enrollment period, which is every year, October 15th, December 7th, which doesn't really play into this, but then you have your initial enrollment, which people might hear a lot about when they first turned 65, or take their Part B of Medicare. So, looking at, you know, we've kind of we've gone over what the premium can be as well as what possibly the penalty could be. As a whole, what does Part B have? What is it going to cover? What's going to be your out-of-pocket with that?Nick: Yeah, so you know, back to what we kind of mentioned earlier, just to kind of recap this is, Part B is going to cover anything that's not admitted into the hospital, right? So, you know, once again, that's hospitalization under observation; CAT scans; MRIs; lab work; physical therapy; doctor's visits, whether primary care or specialists; diabetic testing supplies; durable medical equipment. And the way Part B is designed, it's an 80/20 coinsurance, right? So, Medicare's covering 80%, the client is responsible for the remaining 20%, plus the Part B deductible, which is, in the year 2022, $233, right? So, it's worth mentioning here—and we tell this to people all the time, this is why we encourage people to get supplemental policies—that 20% that we speak of is uncapped.Now, if you're going to the doctor once a year, that's not a big deal, right? But if you're going through cancer treatments, if you're going through some sort of outpatient surgery, you got to pay 20% of all of that cost, which certainly leaves people with some exposure, right?Zach: Got you. So, you know, no max out of pocket; you know, you're going to keep paying that 20—Nick: Absolutely.Zach: —until—and again, Part B is very similar to Part A, there's no networks.Nick: Absolutely.Zach: They take Medicare, they're going to take in. As long as you may have been doing this, I don't think I've ran into a doctor's office that doesn't take Medicare, yet.Nick: Yeah. In ten years, I've ran into one facility that didn't accept Medicare.Zach: Yep. So, kind of wrapping up Part B there. Know no, it is, in a sense, elective; when you turn 65 or retire from work losing credible coverage, you can pick up Part B at that time. If you don't pick up Part B without credible coverage, they are going to give you a nice little permanent penalty to add onto that, which for 2022 is $170.10. Probably going to see an increase in that down the road.Nick: Mm-hm. Absolutely.Zach: It's going to cover everything for you 80/20, whether that be durable medical equipment, diabetic testing, outpatient surgery, or anything like that. But that 20% is not going to be capped.Nick: Yep, absolutely.Zach: All right. And kind of moving on down the line. Here we've done A, we've done B. We're going to skip over C, so we're going to hit in Part D of Medicare. Easy to remember what it covers because covers your drugs. Part D: Drugs, easy to keep up with there. So, we have talked about, you know, in Part A and Part B, how you get it, what you qualify for. How does that work with Part D?Nick: Yes, so Part D, you know, it's worth mentioning, Unlike Supplemental Coverage, or Medicare Advantage coverage, which we will be covering in next episode, With Part D, the individual only has to have a minimum of Part A or B of Medicare, although most people have A and B, right? But it's worth noting for those individuals that are still working that are delaying Part B, just having Part A is enough to purchase Part D. And it's also worth mentioning, you have to live in the plan's service area, right? Part D drug plans are network-based, so you have to have a minimum of A and/or B, and live in the plan's service area to purchase a drug plan it.Zach: So, also we've talked about cost. When it comes to cost, A and B for the most part, are standardized. Is Part D the same way, or you know, what is its cost?Nick: Yes. So, one of the things that, you know, we're always telling people as we're speaking with them is all prescription drug plans are different, right? And, you know, we see drug plans anywhere from $6.50 a month in premium in the year 2022 All the way north of $100 a month, right? And, you know, it's like we say, if one plan was the best for everybody, right, they would put the rest out of the business.So, as far as costs, it certainly has a wide range, and that all depends on what the scripts, what medications those individuals are taking, right? But it's also worth mentioning, just like Part B of Medicare, right? Medicare Savings Programs can cover some or all of the costs of the drug plans and can also either reduce or completely eliminate the cost of those medications people are taking as well, right? So, it can come down. And it's also worth mentioning, IRMA coming back into play here, right, that Income-Related Medicare Adjustment, for those individuals that are higher-level earners, right, they have a multiplier on that Part D premium, so they would pay that multiplier on top of the standard premium for Part D.Zach: Pretty easy to see why Part D is the most complicated part of our job—Nick: Absolutely.Zach: When it comes there. So, you know, kind of covered, premiums are going to vary, and then on top of that you could get help through Medicare, or you could get a multiplier on Medicare there. So, what does it take to qualify for Part D? I know you said yet to have Part A and/or Part B, one or the other, but what if I'm-you know, what, if I'm in that boat where I'm still working? Do I have to take Part D if I have Part A, or can I forgo it?Nick: Yeah. So, very similar to Part B, Part D is elective right? Now, you have to have credible coverage to not be penalized, but you can delay it. So, if you're 65, you're becoming Medicare eligible, you're still working, or maybe you're retired and you're still carrying group insurance, you don't have to take a drug plan as long as your coverage is credible. And once again, credible [unintelligible 00:18:59] coverage is defined as coverage at least equivalent to Medicare's basic coverage, right?So, for those individuals that are still working, they are not needing Medicare Part D, they will not be penalized for not taking a Medicare prescription drug plan.Zach: So, you said they—you know, if they have credible coverage, they're not going to be penalized, which therefore means there's a penalty.Nick: Yep.Zach: What is that penalty?Nick: Yeah. So, it's a little bit different than the way Part B works. So, for Part D, the average cost of a per prescription drug plan in 2022 is approximately $34. So, every full month that they go without credible coverage, or coverage, they are going to be penalized 1% of that $34 premium in the year 2022, times the amount of full months they went without coverage. Now, it's worth noting that average premium costs switches year-to-year, right? We've watched that steadily creep up over the last few years.So, you know, it's very hard for us to be able to give people an exact penalty, what they would be looking at. Medicare is who's going to determine those, Medicare is who's going to issue those, so we can give people an idea, but ultimately that information has to come from Medicare, right?Zach: Got you there. So, you know, we know when you first turn 65 going into Medicare, you can get Part D, if you go that route.Nick: Yep.Zach: What if I've been 65 for a while and I get some new prescriptions, it's not covered well on my plan, when can I make changes to those?Nick: Yes. So, for those individuals that are new to Medicare, they're in that initial enrollment period, right? That window runs three months before their effective date up to three months after. Once that period ends, right, they're very limited in the ways that they can make changes, right, the most common is annual enrollment period, right? Anybody that's been in this business, knows anything about it, they get bombarded, you know, in that timeframe.But from October 15th through December 7th, those individuals can make changes, as many as they want, and when the sun goes down December 7th, the last application that was signed and turned in becomes effective 1/1, right? But now over the last few years, you know, Medicare introduced the Medicare Advantage open enrollment period, right, which is now running January 1st through March 31, and during that timeframe, individuals that are on Medicare Advantage plans can make a change to their drug coverage in two different forms, right? So, they can change from one Medicare Advantage plan to another Medicare Advantage plan, or if they so choose, they can drop Medicare Advantage back to Original Medicare and pick up a prescription drug plan. But outside of those two windows, Zach, the only other situation, typically, that we see people can make changes is they have a special election period, right? And in our business, what that means is, A, they're moving, right?In our area, we see people coming down from the north moving here, or maybe they're snowbirds, they're moving from here or the north down to Florida. Those individuals get a special election period because they're moving out of that plan's service area, right? And then the other caveat would be those individuals that are post-65 that are still working, that are still carrying group insurance, those individuals have a special election period when they retire and/or lose coverage that they can make a change to their drug coverage as well.Zach: So, kind of off that point, there are networks on these drug plans that does give you the ability to change if you do move because you would be out of your network service area—Nick: Absolutely.Zach: There. Yep. So, you know, we talk to people all the time, especially [AEP 00:22:44] about prescription plans. When you're talking to us, talking to your agent, whoever, when you're going through this, one, you know, what are some things you need to make sure you have handy to make our lives easier as an agent, but then what—tell them on our end what we're looking at, to help them make a decision?Nick: Yeah, so I'm going to answer that question backwards, Zach, okay? I'm going to answer your second question first, and we'll fire away on the second one. So, for those individuals that are looking, right, to get prescription drug coverage, there's several things that they need to understand about a plan, or at least grasp, right, to know why it is what we're doing, right? It's easy for us to recommend a solution, but we feel—I know, we've always discussed this—we feel that ultimately, you know, it's our job to educate people, but it is ultimately their decision, right?So, for us, you know, what we're looking at, you know, in the grand scheme here is overall cost, right? I mean, you know, that's what I want to know, what are these plans going to cost you, whether that's in the form of a premium, whether that's in the form of a deductible on your plan, whether that's in the form of the copays you pay to fill your script each year, we're looking at that aggregate annual cost, right? Now, as far as what we need to be effective as a tool for them in searching plans, you know, all plans are different, Zach, as we know. The premium is different, some plans have deductibles, some don't, some offers zero copay on tier one, tier two, some don't, right?So, what we ask of clients to be effective in this manner is we need a list of your prescriptions, we need to know the dosages of each one of your prescriptions, and then we ultimately need to know the frequency that you're taking them or filling them, and we have the ability to plug in and pull all options in their area and discuss those costs with them.Zach: Yeah, definitely. So, kind of wrapping up Part D, put a bow on it there. It is similar to B, it's elective—Nick: Sure.Zach: —in a sense. As long as you've got credible coverage elsewhere, you don't have to take Part D at the time you turn 65. As long as you have A or B, you are eligible for it. And plans vary. This is a plan that you definitely need to reach out to your agent, reach out to us—Nick: We'd prefer if it was us, Zach.Zach: Yeah. [laugh]. Oh, yeah. And so, you know—because they do vary so much by premium, deductibles, copays, networks, things like that, but they will cover your prescriptions; there are ways out there to work that.Nick: Yeah. Just to add, wrapping up here, Zach, you know, one of the things that we always preach to our agents and we always tell our clients is, this is the basics of everything that has to do with Medicare, right? So, we feel that these are important, people need to have a grasp of the way that Original Medicare and prescription drug coverage works before they're really ever going to have a chance, right, to know how that secondary or that Medicare Advantage plan works.So, as you're listening to this, we've kind of been generic, right? We're covering the highlights. For those individuals that have more questions that maybe have a specific question, you know, reach out to us, 844-437-4253. We're here, we're ready to answer your questions, and we'd certainly love to hear from you.Zach: All right, folks. So, this kind of wraps up episode one here. We covered Parts A, B, and D of Medicare. We hope that that helped you out there, answered some questions for you. We tried to cover some of the real basic questions we get on a daily basis.You know, but if you do have more questions or want more information, you know, ready to sign up and looking for help, we'd be more than happy to help. You know, as Nick stated earlier, you can always give us a call at 844-437-4253, or we can always be reached by email zach@getsbi.com or nick@getsbi.com. We hope you found this episode informational and helpful, and as always, we'll catch you guys next time.Announcer: Thank you for listening, and we hope you found this episode informative. If we answered your questions, odds are you aren't the only one wanting to know, so please share this episode with your friends and family. If you enjoyed this episode, please subscribe and rate our show on Apple Podcasts, or wherever you listen to podcasts to catch all of our episodes. If you want more information, or want to talk directly with Nick and Zach, you can call them at 1-844-437-4253. You can also find them on Facebook at facebook.com/seniorbenefitinc or on their website. seniors-livinghealthy.com. Thanks for listening, and have a great day.

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In the wake of NYC schools shutting down in response to COVID-19, the team at InsideSchools sent out a survey asking how they could help. The response was overwhelming. There's so much information and insight to share. So they are expanding their communication channels to include audio.

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We've decided to give a little love to the Extra theme even though this is a "Divi" chat podcast. Many in the Elegant Themes community are familiar with it as it is a very robust theme, but we find there's still a lot of questions surrounding it. Several on the panel have used Extra so today we share a bit about our experience with Divi's little brother (haha) AND ... ... drumroll pleeeease ... We have an exciting announcement about an upcoming product called Extra Module Mate that brings all of Divi's powerful modules into the Extra category builder (thanks to one of our star developers SJ James!), you can find out more info and sign up to be notified of it's release here! Resources Mentioned: Blank Templates for the Extra Theme Extra Theme Users Facebook Group Divi & Extra Help and Share Facebook Group Hosts Present: Olga Summerhayes - Infinite Imagination / FB / @OlgaSummerhayes SJ James – divi.space / FB / @sociallysteve David Blackmon - Aspen Grove Studios / FB / @aspengrovellc Tim Strifler - Divi Life / FB / @timstrifler Geno Quiroz - Monterey Premier / FB / @montereypremier   https://youtu.be/TQuGjCHPPTI