Podcasts about mapd

Nextech3D.ai CEO Evan Gappelberg joined Steve Darling from Proactive to announce two major company developments: the launch of its first social media marketing initiative in partnership with Closers.io and the introduction of a new AI product suite to enhance 3D modeling and automation. The company's social media marketing campaign, which began on February 5, represents its first major investment in digital advertising. Partnering with an external marketing agency specializing in digital campaigns, Nextech3D.ai has embarked on a 12-week initiative aimed at improving sales performance and brand visibility. The campaign will focus on TikTok, Instagram, and Facebook, leveraging targeted social media engagement to generate leads and expand the company's audience. In addition to its marketing expansion, Nextech3D.ai has launched a new suite of AI-powered products, designed to enhance 3D modeling, automation, and immersive technology applications. These advancements further strengthen the company's MapD platform, with additional AI-driven solutions set to roll out in the coming months. With this dual-pronged strategy—a strengthened digital marketing presence and continuous AI innovation—Nextech3D.ai is positioning itself for sustained growth and market leadership in the 3D and immersive technology sector. #nextech3d.al #otcqx #nexcf #cse #ntar #EvanGappelberg #AmazonSellerCentral #3DModeling #AIPhotography #EcommerceInnovation #3DTechnology #LifestylePhotography #ProactiveInterviews #TechInnovation #AmazonPartners#proactiveinvestors #nextech3d.al

Nextech3D.ai CEO Evan Gappelberg joined Steve Darling from Proactive to announce the company's preliminary unaudited 2024 results, showcasing a significant increase in gross profit margin to 65%, up from 29% in 2023. This growth was fueled by the implementation of AI technologies and the expansion of 3D operations in India. Additionally, the company successfully reduced overall operational costs by 35% in 2024, setting the stage for even greater efficiency and savings in 2025. Nextech3D.ai reported revenue of $3.1 million with a gross profit of $1.9 million. The improved margins and cost reductions highlight the company's commitment to innovation and its ongoing operational streamlining efforts. Gappelberg told Proactive that 2025 projections indicate a gross profit margin of over 80% by year-end, driven by continued enhancements in AI integration, cloud optimization, and automated processes. The company plans to further boost sales growth through strategic hires, including new Business Development Representatives, and expand its product offerings, particularly the growth of its MapD platform. Looking ahead, Nextech3D.ai anticipates a 50%+ reduction in operational costs in 2025 by leveraging AI tools and optimized cloud infrastructure, positioning the company for sustained profitability and long-term growth. #EvanGappelberg #AmazonSellerCentral #3DModeling #AIPhotography #EcommerceInnovation #3DTechnology #LifestylePhotography #ProactiveInterviews #TechInnovation #AmazonPartners#proactiveinvestors #nextech3d.al #otcqx #nexcf #cse #ntar

During The Brokerage Inc. 2025 AEP Kickoff events, we hosted panels discussing important information for insurance agents as they prepare for their selling season.  We are taking a look back at these discussions in this replay from the DFW event. Our Executive Vice President, Josh Slattery talks with reps from the top Medicare Advantage carriers to discuss the plan benefits for 2025.   Included are reps from: Aetna Blue Cross Blue Shield Cigna Humana UnitedHealthcare Wellcare If you would like to see each of these panel discussions, you can visit our website, www.thebrokerageinc.com/kickoff.    

ARway.ai Chief Executive Officer Evan Gappelberg joined Steve Darling from Proactive to unveil the company's latest strategic move: the acquisition of Map Dynamics (MapD) in a shares-for-acquisition deal. MapD, a prominent real-world mapping software company, boasts a robust client base of over 400 clients, generating $1.2 million in annual revenue and $250,000 in EBITDA over the past 12 months ending in March 2024. Gappelberg explained that Map Dynamics, as a subsidiary of Nextech3D.ai, brings invaluable expertise in event technology to the table. By integrating Map Dynamics' established platform with ARway's cutting-edge augmented reality (AR) navigation capabilities, the acquisition promises to accelerate ARway's product development roadmap and unlock new revenue channels and growth opportunities. The strategic synergy between ARway and Map Dynamics positions the combined entity to offer enhanced mapping solutions that cater to a diverse range of industries and use cases. Leveraging Map Dynamics' proficiency in creating detailed venue maps and floor plans, ARway aims to bolster its platform's capabilities and broaden its market reach. Gappelberg expressed enthusiasm about the merger's potential to redefine the landscape of interactive mapping technology. By seamlessly integrating ARway's AR navigation features with Map Dynamics' mapping solutions, the company aims to deliver innovative and comprehensive mapping experiences that cater to the evolving needs of businesses and consumers alike. With the acquisition of Map Dynamics, ARway.ai is poised to strengthen its position as a leader in the mapping software industry and pave the way for further innovation and growth in the augmented reality space. #proactiveinvestors #cse #NTAR #otcqb #metaverse #toggle3D #MappingTechnology #SpatialMapping #MapDynamics #NexTech #Acquisition #TechNews #InteractiveMaps #EndToEndMapping #RevenueGrowth #Innovation #TechIntegration #MappingSolutions #CEOInterview #BusinessUpdate #TechAcquisition #ARWayAI #MappingMarket #R&D #GlobalExpansion #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

Nextech3D.ai CEO Evan Gappelberg joined Steve Darling from Proactive to reveal the company's latest strategic maneuver: the divestment of its legacy business, Map Dynamics (MapD), through a shares-for-acquisition deal with ARway.ai. MapD, a renowned real-world mapping software firm, boasts an impressive client base of over 400 clients, generating $1.2 million in annual revenue and $250,000 in EBITDA over the past 12 months ending in March 2024. Gappelberg outlined that Nextech3D.ai's primary focus lies in the creation of 3D models for the e-commerce sector, leveraging generative AI technology. By shedding Map Dynamics, Nextech3D.ai solidifies its position as a dedicated AI-driven 3D modeling firm, a strategic direction Gappelberg has been steering towards for five years. This transition marks a pivotal moment for the company, enabling it to streamline its operations and concentrate on its core business, which caters to esteemed clients such as Amazon, Kohl's, Procter & Gamble, and Bunnings. In terms of financial performance, Nextech3D.ai has witnessed significant improvements, with profit margins projected to soar from 30% in 2023 to an anticipated 80% in Q2. The divestiture of Map Dynamics is poised to further enhance Nextech3D.ai's profitability and bolster its growth prospects. Moreover, Gappelberg teased forthcoming announcements slated for June 2024, including Nextech3D.ai's designation as a preferred 3D model supplier for Amazon. This development is expected to substantially elevate the company's business trajectory and is eagerly awaited by investors. Gappelberg expressed confidence in Nextech3D.ai's continued success as it capitalizes on emerging opportunities in the burgeoning field of AI-driven 3D modeling. #proactiveinvestors #nextech3d.ai #cse #NTAR #otcqb #metaverse #toggle3D #ai #Nextech3D #EvanGappelberg #3DModeling #AIDriven #Ecommerce #GenerativeAI #MapDynamics #BusinessStrategy #ProfitMargins #AmazonSupplier #TechNews #ShareholderUpdate #CorporateDivestiture #3DTechnology #AIInnovation #BusinessGrowth #InvestorNews #June2024 #PreferredSupplier #TechCEO #BusinessUpdate #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

In this episode, hosts Kathe Kline and Joanna Wyckoff dive into the complex world of Medicare Advantage plans and prescription formularies. They discuss the challenges and unfairness that beneficiaries face, the intricacies of part B drugs, and the impact of potential issues with Medicare Advantage plans. Listen in as they share personal experiences, offer valuable insights into the industry, and highlight the importance of understanding clients' specific health needs when it comes to complicated Medicare planning. Stay tuned for this insightful and informative episode!

Join us in our latest podcast episode as we unravel the critical debate of Medicare Advantage vs. Medicare Supplements in 2024. This episode is essential for anyone on Medicare, providing insights into making the most informed decision for your healthcare needs.Inside This Episode:1. Original Medicare Overview: Quick guide to Part A and B, highlighting the necessity of being enrolled in both parts of Original Medicare before enrolling in MAPD or Medigap coverage.2. Medicare Supplement (Medigap) Coverage: Explore the role of Medigap in filling Original Medicare's coverage gaps, focusing on popular plans like G, N, and high-deductible Plan G.3. Medigap Pros and Cons: Analyze the benefits and drawbacks, including benefits like nationwide provider access and negatives such as potential premium increases.4. Understanding Medicare Advantage Plans: Learn about Medicare Advantage as a private alternative to Original Medicare, including Part D coverage.5. Medicare Advantage Pros and Cons: Discover the advantages of low premiums and extra benefits, balanced against network restrictions and possible higher out-of-pocket costs.6. Making the Right Choice: Insights into long-term planning and choosing between Medigap and Medicare Advantage.7. Enrollment Trends: Current trends in Medicare Advantage and Medigap enrollments, with a focus on future implications.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: 2024 Average Medicare Advantage PremiumsKFF Medicare Advantage LandscapeMedPAC Medicare Advantage Enrollment NumbersTelos Actuarial Medigap Report

To watch this episode on YouTube visit: https://www.youtube.com/watch?v=iC9Z_OzKd0o   During the Medicare Annual Enrollment Period it's a good idea to think about whether a Medicare Supplement or a Medicare Advantage Plan is right for you. In this episode Chris Hammond talks about the pros and cons of each.   To download a free copy of the Essential Step-By-Step Retirement Guide click here: https://retirementplanningmadeeasy.com/   I am a financial advisor, but I'm not your advisor financial planner. Please consult with your own tax, legal and financial advisor for personalized advice. Investment advisory services offered through Retirement Wealth Advisors, LLC (RWA), a registered investment advisor. RWA and Hammond Wealth Advisory are independent of each other. Insurance products and services are not offered from RWA but are offered and sold through individually licensed and appointed agents. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hammond Wealth Advisory and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Chris Hammond and/or Hammond Wealth Advisory are not affiliated with or endorsed by the Social Security Administration or any other governmental agency.

Nextech3D.ai CEO Evan Gappelberg joined Steve Darling from Proactive to share news regarding a significant development in the company's MapD business unit. MapD has successfully integrated and launched its indoor navigation capabilities with ARway.ai's cutting-edge technology, opening up a world of possibilities for event organizers. This integration marks the inception of a groundbreaking Augmented Reality (AR) Powered Event Mobile App. This technology introduces a new revenue channel for event organizers through exclusive AR experiences accessible solely via the event mobile app. Event organizers can take advantage of white-glove deployment services and sponsorship sales services, creating a novel and lucrative approach to event monetization. One of the key benefits of this integration is the ability to offer immersive AR experiences, which can include 3D/AR mobile games and other interactive elements. These experiences will transform the way attendees engage with events, making them more interactive and enjoyable. Furthermore, this integration enables event organizers to offer attendees a first-of-its-kind AR navigation experience at trade shows and other events. This not only enhances the overall quality of event experiences but also creates a powerful new revenue stream for organizers. By offering AR sponsorships and immersive experiences, events can tap into a new source of income and further engage attendees. In summary, the integration of MapD and ARway.ai represents a significant advancement in the field of event technology. It offers event organizers a unique opportunity to enhance their events with immersive AR experiences and generate additional revenue through sponsorship opportunities. This innovative approach aligns with NextTech3D.ai's commitment to leveraging cutting-edge technology to enhance event experiences and create new opportunities for growth. #proactiveinvestors #nextech3d.ai #cse #NTAR #otcqb #metaverse #toggle3D #EventTech #Nextech3D #ARIntegration #EventMapping #TradeShows #ARWay #EventSponsorship #TechInnovation #IndoorNavigation #InteractiveAds #EventExperience #EventManagement #ARRevolution #DigitalMarketing #EventPlanners #ARNavigation #MapD #LiveEvents #SponsorshipOpportunities #ARAds #VirtualBooths #EventPlanning #ARGameChanger #TechNews#invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

NextTech3D.ai CEO Evan Gappelberg joined Steve Darling from Proactive with a comprehensive corporate update, shedding light on the various business units under NextTech3D.ai and their impressive achievements. One noteworthy highlight is the company's collaboration with major clients like Amazon, Kohl's, and others, where NextTech3D.ai has been instrumental in building over 60,000 models. The company's remarkable growth is reflected in its financial performance, with a 157% increase in revenue over the past six months and a remarkable 155% rise in Q2 revenue compared to the previous year. The company is well on track for a record-breaking fourth quarter as well. MapD, the company's events solutions platform, is also experiencing substantial growth, with multiple reseller agreements signed, including partnerships with Advanced Solutions, Rainfocus, CannaCon, and American Tradeshow Services, which has renewed its annual license. In just nine months, MapD has already surpassed its 2022 revenue figures. Toggle3D.ai, a SaaS solution that utilizes generative AI to convert CAD files, has garnered impressive traction with over 17,000 sign-ups and over 19,000 projects generated. The platform's integration with Sketchfab, boasting over 5 million 3D models available for download, has further strengthened its appeal. The company anticipates surpassing 30,000 users by year-end and plans to introduce additional pricing plans to enhance flexibility. Gappelberg also highlighted the success of ARway, which has secured key deals with prominent entities, including one of California's largest shopping malls, the second-largest university in Turkey, and the largest rental car company in South America. The company's robust pipeline includes 13 identified corporations as pilot project prospects across various vertical markets, including retail, healthcare, education, manufacturing, telecom, and digital marketing. ARway's selection to complete an initial build of the ARway Platform on Apple's Vision Pro hardware at Apple Park demonstrates their position at the forefront of augmented reality technology development. In summary, NextTech3D.ai's diverse business units are flourishing, with impressive growth, strategic partnerships, and a robust pipeline of opportunities across multiple industries. The company's innovative solutions and strong client relationships position them as a significant player in the ever-evolving fields of 3D modeling, augmented reality, and generative AI. #proactiveinvestors #nextech3d.ai #cse #NTAR #otcqb #metaverse #toggle3D #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

What can you expect in Medicare Advantage for 2024?  The plans are out and carrier representatives are talking about them.  The Brokerage Inc.'s 2024 Kickoff events have wrapped up with record number of agents, agency partners, vendors, and carrier partners attending.  And with that, great information to help you sell in 2024. In this episode of The Broker Link, we begin a series of panel discussion recaps from our event in DFW.  In this MAPD discussion we hear from our partners at Aetna, Blue Cross/Blue Shield, Care n Care, Cigna, Humana, UnitedHealthcare, and Wellcare. Next week, we will hear from our Medicare Supplement panel on what to expect in 2024. As always, you can visit www.thebrokerageinc.com for any questions you have about the upcoming selling season.

With 2023 well underway, it's time to circle back and check in with the INFORMS president Laura Albert, professor and department chair of industrial & systems engineering at the University of Wisconsin-Madison, for an update on the latest and greatest at INFORMS.

  Join us for an episode written by Ritter Insurance Marketing's CEO Craig Ritter. Explore recent enrollment trends and get the details of CMS' plan for new legislation in the coming years.   Read the text version   Rethinking the Senior Market webinar: https://insurancenewsnet.com/innarticle/rethinking-the-senior-market-a-look-at-new-products-medicare-challenges Get on the Ritter Platform by Registering with Ritter: https://app.ritterim.com/public/registration/   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: Getting Started Selling Medicare Supplements: https://agentsurvivalguide.podbean.com/e/getting-started-selling-medicare-supplements/   How Medicare Helps Your Clients Stay Healthy: https://agentsurvivalguide.podbean.com/e/how-medicare-helps-your-clients-stay-healthy/ How to Help Your Clients Get the Most Out of Their Medicare Advantage Plans: https://agentsurvivalguide.podbean.com/e/how-to-help-your-clients-get-the-most-out-of-their-medicare-advantage-plans/ What's the Difference Between an HMO and a PPO: https://living.medicareful.com/whats-the-difference-between-an-hmo-and-a-ppo What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://agentsurvivalguide.podbean.com/e/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/ What Seniors Value Most in an MA Plan: https://agentsurvivalguide.podbean.com/e/what-seniors-value-most-in-an-ma-plan-asg175/ Why People Are Choosing Part C Over Original Medicare: https://agentsurvivalguide.podbean.com/e/why-people-are-choosing-part-c-over-original-medicare/   References: Explaining the Prescription Drug Provisions in the Inflation Reduction Act: https://www.kff.org/medicare/issue-brief/explaining-the-prescription-drug-provisions-in-the-inflation-reduction-act/ HHS Secretary Responds to the President's Executive Order on Drug Prices: https://www.cms.gov/newsroom/press-releases/hhs-secretary-responds-presidents-executive-order-drug-prices How Will the Prescription Drug Provisions in the Inflation Reduction Act Affect Medicare Beneficiaries: https://www.kff.org/medicare/issue-brief/how-will-the-prescription-drug-provisions-in-the-inflation-reduction-act-affect-medicare-beneficiaries/ Key Facts About Medicare Part D Enrollment and Costs in 2022: https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-and-costs-in-2022/ Lowering Prescription Drug Costs for Americans: https://www.federalregister.gov/documents/2022/10/19/2022-22834/lowering-prescription-drug-costs-for-americans Medicare Costs: https://www.medicare.gov/basics/costs/medicare-costs Removal of Safe Harbor Protection for Rebates Involving Prescription Pharmaceuticals: https://www.cms.gov/Research-Statistics-Data-and-Systems/Research/ActuarialStudies/RxSafeHarbor Who Didn't Get a Second Shingrix Shot? Implications for Multidose COVID-19 Vaccines: https://www.kff.org/medicare/issue-brief/who-didnt-get-a-second-shingrix-shot-implications-for-multidose-covid-19-vaccines/

Obamacare Subsidies Saved? The world changes, and you need to stay up to date. For now, this looks likely, but there are many steps to take. Even then, the question is how fast can this relief come into effect? That is up to the lawmakers and those that plan the design of Part D and MAPD plans. For the ACA, looks like an extension agreement has been reached. WHEW. CONNECT:

Tom's bio:Based in London, prior to Metaphysic, Tom founded OmniSci (previously MapD), the world's fastest database and first GPU in-memory analytics engine backed by Tiger Global, NEA, in-Q-Tel, NVIDIA and Google. He is co-founder of Codec.ai, a content marketing analytics tool used by Redbull, Unilever, L'Oreal, Nestle and more. --- Support this podcast: https://anchor.fm/crypto-hipster-podcast/support

In response to HHS-OIG's increased focus on Medicare Advantage organizations resulting in compliance audits, A&M Healthcare Industry Group's Ron Vance, Managing Director and Co-Head of Health Plans and Managed Care Practice, talked with Kirk Shanks, Director, to learn how organizations can prepare and mitigate risk for future audits. https://www.alvarezandmarsal.com/insights/hhs-oig-audits-impact-mapd-health-plans-and-risk-provider-groups

Tom's bio:Based in London, prior to Metaphysic, Tom founded OmniSci (previously MapD), the world's fastest database and first GPU in-memory analytics engine backed by Tiger Global, NEA, in-Q-Tel, NVIDIA and Google. He is co-founder of Codec.ai, a content marketing analytics tool used by Redbull, Unilever, L'Oreal, Nestle and more. Managing Hyper-Real Likeness in the Metaverse, Tom Graham About Metaphysic Our mission is to empower individuals by putting them at the center of the immersive content economies that will define how we use the internet in the future. By building AI content generation tools and infrastructure that lets users own and control their biometric data, we are building towards an ethical web3 economy where every internet user can access the limitless potential of the hyperreal metaverse. Our project lead speaks about #Hyperreal Synthetic media for the #metaverse in @NFTLAlive. EAO (@EAONFT) March 30, 2022 Jamil Hasan is a crypto and blockchain focused podcast host at the Irish Tech News and spearheads our weekend content “The Crypto Corner” where he interviews founders, entrepreneurs and global thought leaders. Prior to his endeavors into the crypto-verse in July 2017, Jamil built an impressive career as a data, operations, financial, technology and business analyst and manager in Corporate America, including twelve years at American International Group and its related companies. Since entering the crypto universe, Jamil has been an advisor, entrepreneur, investor and author. His books “Blockchain Ethics: A Bridge to Abundance” (2018) and “Re-Generation X” (2020) not only discuss the benefits of blockchain technology, but also capture Jamil's experience on how he has transitioned from being a loyal yet downsized former corporate employee to a self sovereign individual. With over one hundred podcasts under his belt since he joined our team in February 2021, and with four years of experience both managing his own crypto portfolio and providing crypto guidance and counsel to select clients, Jamil continues to seek opportunities to help others navigate this still nascent industry. Jamil's primary focus outside of podcast hosting is helping former corporate employees gain the necessary skills and vision to build their own crypto portfolios and create wealth for the long-term. See more podcasts here. More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous episodes and subscribe using whatever platform you like via our Anchor.fm page here: If you'd like to be featured in an upcoming Podcast email us at Simon@IrishTechNews.ie now to discuss. Irish Tech News have a range of services available to help promote your business. Why not drop us a line at Info@IrishTechNews.ie now to find out more about how we can help you reach our audience. You can also find and follow us on Twitter, LinkedIn, Facebook, Instagram, TikTok and Snapchat.

Tom's bio:Based in London, prior to Metaphysic, Tom founded OmniSci (previously MapD), the world's fastest database and first GPU in-memory analytics engine backed by Tiger Global, NEA, in-Q-Tel, NVIDIA and Google. He is co-founder of Codec.ai, a content marketing analytics tool used by Redbull, Unilever, L'Oreal, Nestle and more. Jamil Hasan is a crypto and blockchain focused podcast host at the Irish Tech News and spearheads our weekend content “The Crypto Corner” where he interviews founders, entrepreneurs and global thought leaders. Prior to his endeavors into the crypto-verse in July 2017, Jamil built an impressive career as a data, operations, financial, technology and business analyst and manager in Corporate America, including twelve years at American International Group and its related companies. Since entering the crypto universe, Jamil has been an advisor, entrepreneur, investor and author. His books “Blockchain Ethics: A Bridge to Abundance” (2018) and “Re-Generation X” (2020) not only discuss the benefits of blockchain technology, but also capture Jamil's experience on how he has transitioned from being a loyal yet downsized former corporate employee to a self sovereign individual. With over one hundred podcasts under his belt since he joined our team in February 2021, and with four years of experience both managing his own crypto portfolio and providing crypto guidance and counsel to select clients, Jamil continues to seek opportunities to help others navigate this still nascent industry. Jamil's primary focus outside of podcast hosting is helping former corporate employees gain the necessary skills and vision to build their own crypto portfolios and create wealth for the long-term.

  How much do your Medicare clients spend on their coverage in a year? Do your clients know what out-of-pocket expenses they can expect? In this episode, we explore the costs your clients pay out-of-pocket for Medicare, whether they've got Original Medicare, a Medicare Supplement, a stand-alone Medicare Part D plan, Medicare Advantage, or MAPD. We look beyond premiums, breaking down out-of-pocket exposure into deductibles, coinsurance, copays, prescription drug costs, medical supplies, ancillary expenses, networks, and other deciding factors. It's a must-listen for every insurance agent!   Read the text version.   Register for your FREE RitterIM.com account   Mentioned in this episode:   Contact the Team at Ritter Insurance Marketing How Much Do Medicare Beneficiaries Spend Out of Pocket on Health Care? 2020 Medicare Part A and Part B Premiums and Deductibles 7 Powerful Practices for Selling Prescription Drug Plans Are You Offering Multiple LTC Insurance Options? Defining the True Value of $0 Premium for Medicare Advantage Plans Durable medical equipment (DME) coverage Getting Started Selling Medicare Supplements How to Save Your Clients Money on Prescription Drugs Is Your Doctor in Your Medicare Plan's Network? How to Tell Sense Success with Dental, Vision, and Hearing Plans Your Formulary: Knowing What's Covered   More episodes you'll like:   5 Insurance Marketing Tips to Help Agents Stand Out from the Crowd Do's and Don'ts of Medicare Compliance Keys to Client Retention: Face-to-Face Communication Keys to Client Retention: Digital Communication What Are the New Medicare Advantage & Part D Communication Requirements for 2022?   Articles to Share with Your Clients:   Cooking for Beginners: Frying Safety The Value of Working with an Insurance Agent Ways Seniors Can Save on Groceries   Ritter Insurance Marketing eBooks & Guides:   The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide to Client Loyalty and Retention Your Step-By-Step Guide to Getting Started in Insurance Sales   The latest from Ritter's Blog:   Get Your Medicare Advantage Sales Contracts Here — Recommendations for 2022 The Ritter Platform Launches Provider Lookup, FastTrack, & Lead Sharing for the 2022 AEP Selling Life Insurance to Clients with Budget Concerns   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram  

Listen in as we discuss with Annie Schuster, a pharmacist with Cigna, the differences between stand-alone Part D prescription drug plans and integrated MAPD prescription drug plans. Annie walks us through why you might want to choose one plan over the other. And the important considerations you need to make before enrolling.

  How do agents prepare for the Medicare Annual Enrollment Period? What can you do before October 15th? What can't you do? Listen to find out how to stay compliant as you prep for AEP!   Read the text version.   Register for your FREE RitterIM.com account   Mentioned in this episode:   Building Client Loyalty: More than Just a Plan Contact the Team at Ritter Insurance Marketing Have you done your Yearly Medicare Plan Review? Six things to know about Fall Open Enrollment The Benefits of Joining a Top Insurance FMO Medicareful – Learn how it helps you take Medicare enrollments online What MAPD Agent Can Do Prior To October 15th What Seniors Value Most in an MA Plan What to Know About SOAs in Senior Market Sales Why Client Retention Should be Your Top Priority   More episodes you'll like:   5 Insurance Marketing Tips to Help Agents Stand Out from the Crowd 5 Life Insurance Myths Your Clients May Believe How to Make the Most of Life Insurance Awareness Month Life Insurance for Each of Life's Stages Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource   Articles to Share with Your Clients:   All About Medicare Waiting Periods What Should I Know About Aneurysms? When Should I Seek Mental Health Help?   Ritter Insurance Marketing eBooks & Guides:   Agent Survival Kits: Beginners or Experts Modern Medicare Marketing for Today's Agents The Complete Guide on How to Sell Medicare Advantage Plans   The latest from Ritter's Blog:   Do's and Don'ts of Medicare Compliance How to Prepare for AEP Like a Pro Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram  

Medigap vs Medicare Advantage | Does MAPD Cost More? It is the #1 question for those new to Medicare a. The noise is incredible b. Even the highly-qualified present facts in a way that can be misunderstood c. Then, there are paid advertisements and YouTube videos that are biased, which is misleading or unsettling. Remember: there is no single "right" answer, and if anyone tries to tell you otherwise? That is a signal for you to move along.... Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Your first call has no-obligation: Press HERE to schedule a Free Call CONNECT:

Hello everyone. this is probably the longest of any I Sell Medicare Plan episodes. Why? Because this is a complete MAPD presentation for a T-65 potential client. In this episode I go through each of the steps, introduction/creating relationship, explanation of Medicare, Options 1 and Options 2, and, the presentation of benefits. Yes, it is long, however, in listening you may find some nuggets that will make your presentations go smoothly and be compliant. If you have questions or need to review. You can always contact me at www.Isellmedicareplans.com/Services or call or text me at 407-340-6282. Listen and be ready for selling throughout the year! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/faye-horton/message

We're doing things a bit differently this episode as one of our patrons, Christian Larson, picked three Michelle Rodriguez music videos for us to discuss! After opening up a quick mailbag and talking about Spelunky 2 and Bomb the Music Industry!, we take a double dip of LOST and wonder what Brian means when he says he's in the MAPD. Then, we take a trip through time to talk about three music videos starring Michelle Rodriguez: "If I Could Fall in Love" by Lenny Kravitz, "Confident" by Demi Lovato, and "Nice for What" by Drake. (Music video conversation begins around 48:30.) Watch all three music videos here! Email us: family@cageclub.me Visit our Patreon page at patreon.com/2fast2forever.  Extra special shout-out to Ben Milliman, Jake Freer, Alex Elonen, Nick Burris, Brian Rodriguez (High School Slumber Party), Hayley Gerbes, Christian Larson, and Justin Kleinman for joining at the “Interpol’s Most Wanted” level or above!  Intro music by Nico Vasilo. Interlude and outro music by Wes Hampton.

  How can you prepare for the Medicare Annual Enrollment Period? What can you do before October 15th? What can't you do? Listen to find out!   Read the text version.   Mentioned in this episode:   Building Client Loyalty: More than Just a Plan Have you done your Yearly Medicare Plan Review? Join our FMO! Register with Ritter Insurance Marketing Six things to know about Fall Open Enrollment Medicareful – Learn how it helps you take Medicare enrollments online What an FMO Can Do for Your Business What MAPD Agent Can Do Prior To October 15th What Seniors Value Most in an MA Plan What to Know About SOAs in Senior Market Sales Why Client Retention Should be Your Top Priority   More episodes you’ll like:   Organization Tips and Tricks for AEP Don't get stressed out over AEP, get organized! The Annual Enrollment Period can be a stressful time for insurance agents - but it doesn't have to be for you! Listen to learn tips and tricks to make this AEP go smoother than ever. The Ritter Platform Launches New Drug Cost Estimator and Prefilled Applications Big News! We've added two brand-new features to The Ritter Platform - a Prescription Drug Cost Estimator and Prefilled Applications! Learn more about these new additions and how they can simplify your selling process this AEP. Tips on How to Stay Productive While Working From Home Maximize your productivity - even as you work from home! Let's face it, WFH is lasting longer than most of us thought. If you're struggling to stay productive right now, we get it! Try out our list of productivity hacks to get back on track. What Agents Forget to Do When Preparing for Appointments Do you have everything you need for a full day of Medicare sales appointments? What about the client who wants to talk Med Supp but lives an hour away? This small list of actionable to-dos will make a big impact on keeping you organized and stress-free this AEP. What is the Ritter Platform? The Ritter Platform is a CRM for insurance agents selling Medicare and other senior market products! Consolidate client info, analyze prescription drug costs, access carrier resources, get info on commissions and more. What could you be saving time on?!?   The latest from Ritter’s Blog:   How to Keep Your Product Portfolio Fresh As an agent in the Medicare insurance industry, you need to stay competitive. An effective way to do this is by routinely examining your portfolio to determine if you’re prepared to work at your full potential. 5 Tips for Selling Medicare Advantage Plans With the Annual Enrollment Period approaching, you may be strategizing to have more success selling Medicare Advantage plans this year. The Ritter Platform Launches New Drug Cost Estimator and Prefilled Applications Two brand-new features have been added to our comprehensive agent dashboard. Say “hello” to the Drug Cost Estimator and prefilled applications!   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

In this episode Faye Saxon Horton, Founder and Creator of I Sell Medicare Plans and 20+ year Medicare Sales Professional shares the things you should know to conduct an MAPD presentation for AEP 2021. Listen to three things you should know, how to make your face to face presentation safe and what your end results might be. Visit the website: www.Isellmedicareplans.com to hear all the podcast episodes. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/faye-horton/message

Once again Christian Brindle joins me in this podcast. Christian is the CEO of Six Figure Medicare Agent and does business both virtually and at his office in Utah. In this podcast Christian conducts a compliant MAPD presentation, after discovering from the customer what the need is and guiding the customer to the product that will work best. Christian conducts this interview very conversational which puts the customer at ease. Listen and learn the points of a good comfortable presentation from Christian. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/faye-horton/message

Released from the University's Private Group vault, I wanted to bring you a video I did with a very close friend and also a Coach in our Private University Group, Brandon Clay! Author, Coach, Speaker, and in the business over 25 years, this man has done it all. We talk about tele-sales, covid, using Final Expense as a chassis for MAPD sales and building a great residual income! Check it out!

  How much do your Medicare clients spend on their Medicare coverage in a year? Do your clients know what out-of-pocket expenses they can expect with Medicare? In this episode, we explore the costs your clients pay out-of-pocket for Medicare, whether they've got Original Medicare, a Medicare Supplement, a stand-alone Medicare Part D plan, Medicare Advantage, or MAPD. We look beyond premiums, breaking down out-of-pocket exposure into deductibles, coinsurance, copays, prescription drug costs, medical supplies, ancillary expenses, networks, and other deciding factors. It's a must-listen for every insurance agent!   Read the text version.   Mentioned in this episode:   How Much Do Medicare Beneficiaries Spend Out of Pocket on Health Care? 2020 Medicare Part A and Part B Premiums and Deductibles 7 Powerful Practices for Selling Prescription Drug Plans Are You Offering Multiple LTC Insurance Options? Defining the True Value of $0 Premium for Medicare Advantage Plans Durable medical equipment (DME) coverage Getting Started Selling Medicare Supplements How to Save Your Clients Money on Prescription Drugs Is Your Doctor in Your Medicare Plan’s Network? How to Tell Sense Success with Dental, Vision, and Hearing Plans Your Formulary: Knowing What’s Covered   More episodes you’ll like:     July 17, 2020 FAQs About NAHU Medicare Certification Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!!   NEW: NAHU 2021 Medicare Certification Training NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more!   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

Hey Medicare Nation! Medicare Nation CMS Imposes a Civil Money Penalty against HUMANA! CMS conducted an "Audit" of Humana's Medicare Operations from June 3, 2019 through June 21, 2019. Humana failed to comply with Medicare requirements related to Part D formulary and benefit administration and coverage derterminations, appeals, and grievances in violation of 42 C.F.R. Part 423, Subparts C and M. Humana's failures in these areas were systemic and adversely affected, or had the substantial likelihood of adversely affecting, enrollees. CMS provided notice to Humana's CEO, Mr. Bruce Broussard, on February 28, 2020, that CMS imposed a Civil Money Penalty in the amount of ........ $257, 262! Humana failed to properly administer the CMS "transition" policy. This means if you are enrolling in a new plan, and you take a prescription that is NOT on the new plan's formulary (drug list), the plan MUST allow you to "transition" by allowing you a 31 day supply of your prescription drug.  This allows you time to speak with your doctor to see if there is an alternative prescription drug on the new plan ...... or...... you can request a "Formulary Exception." This means your doctor is requiring you to take this medication, because it is the one that is stablizing or correcting your condition, and that you need to continue to take it. If the drug is NOT on the new plan's formulary and they Approve the formulary exception, you WILL be charged a higher amount for taking a drug that is not on their formulary. Humana has the right to appeal the decision by requesting a hearing. The notice is signed by John Scott, Acting Director of the Medicare Parts C and D Oversight and Enforcement Group. Medicare Nation NEXT CMS Penalty is given notice to......... SOLIS Health Plans out of Miami, Florida On December 4, 2019, CMS gave notice to Mr. Daniel Hernandez - CEO of Solis Health Plans. CMS imposed a CIVIL MONEY PENALTY of $41,552.00! CMS stated in their summary that Agents employed by SOLIS engaged in an aggressive marketing campaign that was conducted by a contractor provider clinic. Solis Agents conducted a marketing presentation in a secluded area and enroll patients upon conclusion of the presentation. CMS determined that Solis violated the communication and marketing requirements, which had the substantial likelihood of adversely affecting its enrollees. Solis Failed to oversee and manage the marketing process to ensure its agents and brokers did not engage in inappropriate marketing practices including "misleading" beneficiaries. Solis may request a hearing to appeal CMS's determination. Both notices are signed by John Scott, acting director of the Medicare parts C and D Oversight and Enforcement Group. Thank you for listening to Medicare Nation! If you are part of my “Sandwich Generation,” Share this show with your parents and/or grandparents. They have many questions about Medicare and this show will answer them! Buy them a “Smart Phone,” and introduce them to Medicare Nation! If you are a Baby Boomer, share Medicare Nation with other “Baby Boomers.” I want to educate as many of you as I can about Medicare! I certainly can use  your help in putting the word out! If you have any questions, send them to Support@TheMedicareNation.com If I can answer it in one email - I will personally answer you! If your question requires research or additional contact with you, I do offer consulting if you would like me to assist you in that manner. Want to hear a topic on Medicare Nation? A special guest? Let me know and I'll do my best to get them on the show! Thanks again for listening! Diane Daniels    

Hey Medicare Nation! www.TheMedicareNation.com It's 2020!  Love the sound of that! Right now...... the Medicare Advantage Open Enrollment Period is in full swing. If you are on a "Medicare Advantage Plan," you have the opportunity to make a ONE TIME change, between January 1st through March 31st. You can change from one Medicare Advantage Plan to another Medicare Advantage Plan. You can "disenroll" from the Medicare Advantage Plan you're on and go back onto "Original Medicare." With Original Medicare, you can add a stand-alone-prescription drug plan and ..... you can enroll into a Medicare Supplement Plan (aka Medi-gap) to help defray the costs of Original Medicare. Here are options you can do during the Medicare Advantage Open Enrollment Period:  Change from a Medicare Advantage Plan back to Original Medicare. Switch from one Medicare Advantage Plan to another Medicare Advantage Plan. Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage. Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage. Join a Medicare Prescription Drug Plan. Switch from one Medicare drug plan to another Medicare drug plan. Drop your Medicare prescription drug coverage completely   I'm adding the EXACT language from the Medicare Managed Manual, regarding the Medicare Advantage Open Enrollment Period. 30.5 – Medicare Advantage Open Enrollment Period (MA OEP) 42 CFR 422.62(a)(3) (Rev. 1, Issued: July 31, 2018; Effective/Implementation: 01-01-2019) During the MA OEP, MA plan enrollees may enroll in another MA plan or disenroll from their MA plan and return to Original Medicare. Individuals may make only one election during the MA OEP. This chart outlines who can use the MA OEP and when: Who can use the MA OEP: MA OEP occurs: Individuals enrolled in MA plans as of January 1 – March 31 New Medicare beneficiaries who are enrolled in an MA plan during their ICEP The month of entitlement to Part A and Part B – the last day of the 3rd month of entitlement Individuals may add or drop Part D coverage during the MA OEP. Individuals enrolled in either MAPD or MA-only plans can switch to: • MA-PD • MA-only • Original Medicare (with or without a stand-alone Part D plan) The effective date for an MA OEP election is the first of the month following receipt of the enrollment request. NOTE: The MA OEP does not provide an opportunity for an individual enrolled in Original Medicare to join a MA plan. It also does not allow for Part D changes for individuals enrolled in Original Medicare, including those enrolled in stand-alone Part D plans. The MA OEP is not available for those enrolled in Medicare Savings Accounts or other Medicare health plan types (such as cost plans or PACE). You may also go onto Medicare.gov to view information on the Medicare Advantage Open Enrollment Period. If you decide to make a change during the MA OEP, you will be "locked-in" to the new plan, until the next enrollment period.... which is....the Annual Enrollment Period, from October 15th through December 7th. You may also make a change to your plan if you have a "special circumstance." These are listed under the "Special Election Periods" for Medicare on Medicare.gov You can also LISTEN to my previous show on Special Election Periods..... Episode 051, which was published on July 29, 2016. The episode is titled..... "Special Election Period Q & A" I go into detail about the Special Elections available. www.TheMedicareNation.com Remember Medicare Nation listeners........ an "Insurance Agent," is NOT allowed to "solicit" you during the Medicare Advantage Open Enrollment Period.  There are strict Medicare regulations regarding this. YOU must make the first move in contacting or telling your "Agent" or Medicare Specialist, that you are unhappy with your current plan. No one should be calling you, texting you, emailing you ..... or worse...... knocking on your door, telling you about the Open Enrollment Period. If someone does...... tell them to "Take a Hike!" You don't need a dishonest person like that helping you with your Medicare needs! If you need help finding a new plan during the OEP, contact you're Medicare Advisor. If you are all set with your Medicare Advantage Plan for 2020, You don't need to do anything! Just enjoy your family, friends and activities!    Thank you for listening to Medicare Nation! If you are part of my “Sandwich Generation,” Share this show with your parents and/or grandparents. They have many questions about Medicare and this show will answer them! Buy them a “Smart Phone,” and introduce them to Medicare Nation! If you are a Baby Boomer, share Medicare Nation with other “Baby Boomers.” I want to educate as many of you as I can about Medicare! I certainly can use  your help in putting the word out! If you have any questions, send them to Support@TheMedicareNation.com If I can answer it in one email - I will personally answer you! If your question requires research or additional contact with you, I do offer consulting if you would like me to assist you in that manner. Contact me on my website - www.TheMedicareNation.com Want to hear a topic on Medicare Nation? A special guest? Let me know and I'll do my best to get them on the show! Thanks again for listening! Diane Daniels                                                                          Medicare Consultant                                                                  Medicare Nation LLC.

From January 1 to March 31 is open enrollment for the Medicare Advantage Program. If you didn't like the selection you made during Medicare Open Enrollment on October 15 to December 7, you are able to change your MAPD plan, which comes with Part D, during this time. Every year you get an annual notice of change letter from your healthcare carrier. If you don't read that, you might not realize what the changes are until they go in effect on January 1. If your drug prices have changed, or your network provider has changed, this allows you to correct that. Dan Redler, CEO, and Dan Leary, COO, of We Speak Medicare explain why the enrollment period exists and how it works.

Hey Podcast! It's been about a month since our last release.  We've been a tad bit busy being that it's AEP and all.  We've been writing lots of business and have had zero time to be all together at the office to record.  I was inspired to release this quick raw take on the heels of a couple of conversations I had in the last week with agents.  If you're in the business hopefully this helps you.  If you're not in the business lets change that.  Go get your license and give us a shout. We'll get you plugged in and closing business.    Take care and thanks for listening!

Hey Medicare Nation! CMS just announced the 2020 Medicare Part B Premium increase! CMS also announced 2020 Part A Deductible and co-pays, as well as the Part B annual deductible. Here's a look at what's changing in 2020: Medicare premiums, deductibles, and co-payment amounts are adjusted each year in accordance with the Soc Sec Act.      SOCIAL SECURITY   Increase:    1.6%  (Avg $24 more a month)   Average Monthly SS Check $1,503.00       2020 - PART A DEDUCTIBLE AND COINSURANCE   Inpatient Hospital Deductible:                       $1408.00 Daily Coinsurance Days 61-90:                    $  352.00 Daily Coinsurance-Lifetime Reserve:           $  704.00 Skilled Nursing Facility-Days 21-100:           $  176.00       2020 - PART B PREMIUM AND ANNUAL DEDUCTIBLE   Standard Monthly Premium:                 $ 144.60  ($9.00 More) Annual Deductible:                                $ 198.00   It's a great time to review your plan for 2020. Is it the right plan to fit your unique needs? If so........ keep it! If not....... change it! I am available to assist you with your Medicare Plan choices for 2020. If I can answer your email in one paragraph or less, I WILL answer your question for you! If the answer to your question requires any research or my response is longer than one paragraph..... I will let you know that you will need to hire me to answer that question. If you live outside of Florida, you can hire me as your consultant at a rate of $200.00 an hour ( The hourly rate is going up to $250.00 an hour, starting January 1 2020). If you are a Florida resident, I can assist you in enrolling into the plan that fit's your unique needs at no additional charge. I will receive a commission from the insurance carrier once you are enrolled. The commission is regulated by Medicare. The Annual Enrollment Period ends December 7th, so make sure you do your "due dilligence" and find the plan that works for you! Until next time..... Have a Happy, peaceful & prosperous week! Diane Daniels Medicare Consultant 855-855-7266

  It's official! The new Medicare Plan Finder is now live on Medicare.gov. We've got all the info on the changes and how to use it, (including where to find your old prescription drug lists!) as well as answers to agents' frequently asked questions.   Read the text version.   Still have questions? Reach out to our sales team at Ritter Insurance Marketing or call our podcast hotline at 1-717-562-7211.   Email feedback/concerns about new Medicare Plan Finder to emedicare@cms.hhs.gov     Timecodes for FAQs:   How do you get to the Medicare Plan Finder? [1:49.522]   What updates are coming to the MPF? [4:00.806]   What are the pathways into the New Medicare Plan Finder? [5:21.855]   General FAQs about MyMedicare.gov and the new Medicare Plan Finder [7:25.003]   If my client doesn’t have a Medicare number, are they still able to shop on the new MPF? [7:46.678]   Can we still use Drug ID and Password Dates to access saved drug lists? [8:05.585]   How do you save an anonymous search? [8:47.280]   Is the new MPF be available in Spanish? [9:00.004]   Will Medicare Agents still be able to do any kind of plan comparison for clients? [9:09.784]   When will the old Medicare Plan Finder be unavailable? [9:32.029]   If a beneficiary doesn’t want to set up a MyMedicare.gov account, can they still use the new MPF? [9:43.596]   When performing an anonymous search, will the beneficiary need to go through the “learning screens?” [10:03.983]   What is the purpose of making beneficiaries log in to save their drug lists? [10:14.929]   Where can we send feedback or concerns about the new Medicare Plan Finder? [10:25.040]   Is there still a way to see if a person qualifies for Extra Help? [10:41.793]   Can a user self-enroll in a plan through the MPF? [10:51.518]   Will users have access to their Medicare Summary Notice (MSN) through MyMedicare.gov? [11:00.928]   Will the Medicare Plan Finder show logged-in users what Medigap/Medicare Supplement plan they currently have? [11:23.100]   Will the live chat be available 24/7 during AEP? [11:30.564]   Can a user enroll in a plan without creating an account? [11:47.962]   If the Medicare Plan Finder is not showing the correct Extra Help information, how can agents price the correct information? [11:57.398]   How often is Low Income Subsidy and Extra Help data updated? [12:22.797]   How does the live chat work? [12:31.529]   Is the live chat available for logged-out users? [12:44.857]   FAQs about account creation and logging in on Medicare.gov and the Medicare Plan Finder [12:54.299]   Does the beneficiary need to have an Email address to create an account? [13:04.246]   Once a MyMedicare.gov account is created will the username and password be activated immediately? [13:25.895]   If you try to create a MyMedicare.gov account but already have one, will the system stop you? [13:39.686]   Can two beneficiaries have the same username? [13:58.570]   When a beneficiary sets up an account using the Medicare Plan Finder, will that also create a MyMedicare.gov account at the same time? [14:10.739]   Are there password requirements? [14:29.132]   How often must the password be changed? [14:38.574]   Can you create an account if something doesn’t match what’s on file with CMS, like the MBI or zip code? [14:45.117]   Is the username and password the same for MPF and My Medicare dot gov? [15:06.207]   If you create an account with no email, how do you recover the log-in info? [15:13.143]   If a user forgets their account info, can they create a new one? [15:30.313]   FAQs about prescription drug lists and plan comparisons on the MPF and Medicare.gov [15:41.593]   Will drugs auto-generate for people who did not previously have a MyMedicare.gov account? [15:51.413]   Can users get a side-by-side, detailed plan comparison on one page? [16:18.533]   Can you look for Medigap plans on the Medicare Plan Finder? [16:28.646]   Can you look up provider information for Medicare Advantage plans in the MPF? [16:43.760]   Does the MPF give ratings for Medigap/Medicare Supplement plans? [16:56.102]   Can you see Medigap plans specifically for the user’s area and age? [17.10.809]   Can you compare Medigap/Med Supp plans using the Medicare Plan Finder? [17:30.609]   How would a user edit an existing drug list? [17:43.623]   Will medications auto-generate for users who are under 65 on disability? [18:02.952]   Is there a way to get more information on various services? [18:18.511]   Can users print plan details and comparisons? [18:32.847]   Has the drug list limit been increased? [18:38.242]   Will Part B drug information be included on the MPF? [18:48.441]   How many pharmacies can you choose to price compare? [19:01.078]   Can you find which pharmacies are preferred in Medicare drug plans? [19:09.577]   Are Dual-Eligible Demonstration plans on the MPF? [19:21.470]   Where does the data on Medigap plans come from and how often is it updated? [19:30.037]   Can you enroll in a Medigap/Medicare Supplement plan through the Medicare Plan Finder? [19:44.325]   Mentioned in this episode:   CMS New Medicare Plan Finder page CMS Medicare Plan Finder Webinar (Choose Webinar recording - August 16) Find Your Old Drug Lists on Medicare.gov Top 10 Questions & Answers for those Helping People with Medicare   CMS August Webinar Topic Timecodes:   Client’s MyMedicare.gov account creation [14:38] Plan type selection (Original Medicare + Med Supp/PDP or Medicare Advantage) [17:00] Drug selection and validation of dosage, packaging, or preferred pharmacies [17:53] MAPD plan comparison and filtering [23:13] PDP plan comparison and filtering [30:41]   More episodes you’ll like:   4 Reasons Why Ritter Should Be Your FMO Insurance Agency | ASG156 Looking for an FMO? Not sure what a field marketing organization like Ritter Insurance Marketing can do for your insurance business? Learn everything you need to know in this can’t-miss episode of the ASG Podcast! Do’s and Don’ts of Medicare Compliance | ASG164 Need a recap on Medicare compliance before AEP? We break down the CMS Medicare Communications and Marketing Guidelines for insurance agents, including new compliance rules for 2020. We’ll go over what’s allowed — and what’s not — in this can’t-miss episode of the ASG Podcast. What’s New in the 2020 Medicare Communications and Marketing Guidelines | ASG News Make sure you're compliant with the latest CMS Medicare Communications and Marketing Guidelines. We've got an update on the 2020 MCMG that you don't want to miss.   The latest from Agent Survival Guide:   How to Host a Successful Medicare Educational Event Looking to host a Medicare educational event? Check out our FREE guide! If you’ve been hosting educational events for years, we think you’ll still enjoy our tips and tricks to make your event even more successful. Agents with all levels of expertise can benefit from... (read more) Staying Compliant Without Compromising Salesmanship Staying compliant with every rule surrounding Medicare can seem daunting. If you’re busy making sure you’re staying compliant, how will you ever have time to meet with clients and sell? Aligning yourself... (read more) Tips on Dealing with a Difficult Client In an ideal world, all your clients would be an absolute pleasure to work with and selling them plans would be a piece of cake. However, we know this isn’t always the... (read more)   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

Enrolling into a Medicare Advantage plan shouldn't be a "one and done". We highly, highly recommend a good old review each fall performed by.... YOU! You need to check with your doctors, your medications, your plan documents and more. Don't want to deal with all of that? Don't enroll into Medicare Advantage. Call our team at 248-871-7756 to talk things through!

Hey Medicare Nation! www.TheMedicareNation.com Today, I'm discussing how the Centers for Medicare & Medicaid Services (CMS) SLAPPED Agewell New York LLC with a Civil Money Penalty of $39,200! CMS conducts audits to ensure Medicare Advantage Prescription Drug Plans are following conditions of the current contract as well as Medicare rules & regulations.  From March 9, 2018 through May 15, 2018, CMS Conducted an audit of Agewell's 2016 Medicare financial information. In a financial audit report issued on September 20, 2018, CMS auditors reported that Agewell failed to comply with Medicare requirements related to Part C (Medicare Advantage) cost sharing. Specifically, auditors found that in 2016 Agewell failed to comply with cost-sharing requirements by charging "incorrect" co-payments to enrollees for medical services. Enrollees were affected in the following area: Bronx, NY; Kings County Brooklyn, NY; Nassua County, NY, Manhattan, Queens and Westchester County, NY. Agewell's failure was "systemic," and "adversely affected" enrollees or the substantial likelihood of adversely affecting enrollees because they experienced out-of-pocket costs. CMS determined that Agewell was charging a $30 "specialist" co-pay was applied to "primary care physician" claims instead of a $0 co-pay as stated in the plan's Explanation of Coverage. Enrollees were NOT Refunded the overcharged amounts until AFTER the financial audit concluded, which was 2 years after the incurred cost. In 2016, If you paid a $30 co-pay to see YOUR Primary Physician, when you were only obligated to pay $0,  you should contact Agewell at 888-586-8044 and ask to speak to a supervisor, regarding the CMS penalty. Advise the supervisor of the date & time of your appointment with your Primary Doctor and that you have proof of a payment that you made of $30 for your visit. Advise the supervisor that you would like to be refunded the $30 immediately.  Write down the name of the supervisor, the date & time you called Agewell and what the supervisor stated Agewell would do for you. If you donot receive your refund within 14 business days, call Medicare directly at 800-633-4227 and advise Medicare of the situation. If you have any "complaints" regarding the way you were treated by any representative at Agewell, you can make an annonymous complaint to Agewell's confidential hotline - 888-336-7240. You can also make a complaint to Medicare directly by calling 800-633-4227. If you have a complaint, regarding any physician or facility in the Agewell network, you can call the Agewell confidential hotline to make your complaint - 888-336-7240. If you are uncomfortable making a formal complaint and you would like assistance with your complaint you can : 1. contact the Insurance Agent or Medicare Specialist who enrolled you into the Agewell plan  or 2. contact your local "SHIP" (State Health Insurance & Assistance Program) representative by "clicking" on your State here - https://www.shiptacenter.org/ when the page opens, go all the way to the bottom of the page and you'll see an "orange" button that reads - Find Your Local SHIP "Click" on that ORANGE buton and a list will come up of all 50 States. "Click" on the State where you reside, to contact your local SHIP center. If YOU need help with finding the Medicare Advantage Plan that is right for your UNIQUE needs, contact me at either: Support@TheMedicareNation.com or  call me at 855-855-7266 If I can answer your question in ONE paragraph in an email, I will directly answer your question! If it takes more than one paragraph to answer your question or I need to do research to answer your question....then....I will respond by advising you that you will need to contact me and request my consultative services.  I currently charge $199.00 an hour, and I consult with Medicare beneficiaries and the Adult Children of beneficiaries ALL over the country! Please SUBSCRIBE to Medicare Nation so that you will receive EVERY NEW episode that is published! Give Medicare Nation a ***** 5-Star Review on iTunes! The more reviews we get, the more people can find the show! Go to www.itunes.com and type MEDICARE NATION in the search bar. When the page opens, "Click" on the Review tab and leave your review! Thanks so much for listening! If you'd like to hear about a specific topic on the show or you'd like a specific guest on the show...... send me an email to Support@TheMedicareNation.com I appreciate your Support! Diane Daniels  

Hey everybody! It's Tuesday so we're gonna jump into some useful tactics for all of you Medicare insurance brokers today.  Melissa and Russ discuss three common myths about MAPD's and how to saturate the conversation with easy-to-understand truth when you face these myths in the field. If you like our podcast please subscribe and give us a review.  Thanks!

Hey Medicare Nation! www.TheMedicareNation.com On the Last episode.....I spoke to you about Medicare Supplement Plan "F" and High Deductible Plan F. Today....I'm going to talk about Medicare Supplement Plan "G" and Plan "N" Plan "G" allows you to "purchase" an insurance policy, where you pay a monthly premium to the carrier...... in return...... Medicare Supplement Plan G, will pay ALL your Medically necessary out-of-pocket deductibles, co-insurance and co-pays...... EXCEPT for ..... The Annual Part B Deductible. YOU will be responsible for the Annual Part B deductible each year. Currently.... in 2019, the Annual Part B Deductible is $185.00. So..... when you seek medical care in the beginning of the year.... you will pay out-of-pocket until you hit the $185.00 Part B Deductible. After you pay the $185.00 Part B Deductible....you will NOT be responsible for ANY other deductibles, co-pays or co-insurance under Medicare Supplement Plan G, that are medically necessary under Medicare. Plan "N" allows you to "purchase" an insurance policy, where you pay a monthly premium to the carrier...... in return...... Medicare Supplement Plan N, will pay ALL your Medically necessary out-of-pocket deductibles, co-insurance and co-pays...... EXCEPT for ..... 1. The Annual Part B Deductible ($185.00 in 2019) 2. A co-pay of up to $20.00 for each doctor visit. 3. A co-pay of $50.00 if you go to the Emergency Room and you are "Discharged" from the Emergency Room. If you are "admitted" to the hospital from the ER... you will NOT incur a $50.00 co-pay. If you have paid all of your Part B Deductible, you will have NO other out-of-pocket costs while you are an inpatient in the hospital. 4. If you seek treatment, testing or diagnostic testing from a physician or facility that does NOT accept Medicare, you WILL be responsible for 100% of the cost of that service. The provider or facility can legally charge you 15% above and beyond the Medicare Allowable charge. It is vital that you always ask prior to receiving care, a test or doctor visit....if the physician or facility "accepts Medicare."  If they do.....your charges are outlined above. If they do not accept Medicare..... you may be responsible for ALL of the charges, up to 15% of the Medicare Allowable charge. ASK BEFORE YOU SEE A DR or RECEIVE TREATMENT! Prices for Medicare Supplements VARY by zipcode! Get quotes from MANY different insurance carriers prior to enrolling in a plan. You could save hundreds....sometimes over a thousand dollars a year! HAVE a Question for ME? Send it to me at  Support@TheMedicareNation.com I will answer ALL emails I receive.... personally! If the answer to your question will take me more than 1 paragraph to answer... or .... it is necessary to do some research for you in order to answer the question.... I will respond and advise you to hire me as your consultant. Many of your questions may be answered on the official Medicare website - www.Medicare.gov Always do YOUR Due Dilligence before you enroll in a Medicare Plan! Consider leaving a review & rating on the Medicare Nation Podcast page in iTunes.  http://nation.reviews/medicare8   Thanks for listening to Medicare Nation! Show your Parents how to "Subscribe" to Medicare Nation. With over 100 episodes... most of their questions will be answered by listening to my episodes. This way... your parents are NOT bothering YOU for information about Medicare! Enjoy time for yourself and your family! Teach people how to "subscribe" to Medicare Nation! YOU will be responsible for the Annual Part B deductible each year.

Hey Medicare Nation! www.TheMedicareNation.com More than 10,000 people a day are turning 65! While qualifying for Medicare Part A and Part B, Medicare Beneficiaries are VERY confused as to what type of plan to enroll in, to "supplement" Original Medicare. By zipcode, a Medicare Beneficiary may have over "100 Plans" to choose from to help supplement their Original Medicare. That's an ENORMOUS amount of research to do!                  If you have the time and enjoy doing all that research.......go for it! If you're like most Medicare Beneficiaries, you are retiring and you want to ENJOY LIFE! You don't want to "waste" time researching Medicare Plans. Call a "Medicare Consultant" or "Medicare Specialist" to assist you in finding the plan that will fit YOUR unique needs. How do you do that?  "Google" "Medicare Consultant" or "Medicare Specialist" and add your city or zipcode to that search. As an example, you would search....Medicare Consultant Tampa FL......or........Medicare Specialist Dallas TX....... Google will then populate the "Ads" first. Businesses PAY to be on the top of the 1st page of Google. SCROLL down past the "ADS." Just because a business "Pays" for an ad DOES NOT mean they are the best option for you. You will start seeing local businesses and names of Medicare Specilaists.  You should be checking out these "Brokers" and "Medicare Specialists" or "Medicare Consultants." I'm speaking specifically about Medi-Gap Plan F and the High Deductible F Plan. The Supplement F Plan to Medicare, is an Insurance Policy you take out on yourself. Medi-gap Plans are NOT part of Medicare. Medi-Gap Plans are an insurance policy that an Insurance Carrier sells to you. You are "purchasing" a policy, where you pay a monthly premium to the Insurance Carrier to protect some or all of  your out-of-pocket costs associated with Medicare. Medi-Gap "F" Plan pays the out-of-pocket costs YOU are responsible for. The "F" Plan will pay your "medically necessary" out-of-pocket costs. Plan F pays for your Part A In-Patient Hospital Deductible. Plan F pays your co-pay for being in a Skilled Nursing Facility. Plan F pays your Annual Part B deductible and Plan F pays your 20% co-insurance under Part B. Plan F pays for all of this, for one monthly premium. ALL Medicare Plan F Plans have EXACTLY the same benefits. It doesn't matter if you live in Tampa, FL......San Francisco, CA.....or Salt Lake City, Utah.....The BENEFITS under Plan F are the SAME! What IS different..is the MONTHLY PREMIUM! In YOUR ZipCode.......there may be up to 50 DIFFERENT Insurance Carriers that offer Plan F....EACH one of those Insurance Carriers offer a DIFFERENT Premium for the SAME Plan F Plan. You should find the LOWEST Monthly Premium from the Insurance Carrier that has an "A" Financial Rating. An "A" financial rating means the company WILL pay your claims. That's the Insurance Carrier your looking for. Plan F is the "Peace of Mind" Medi-Gap Plan. There is NO Network of Doctors and Facilities....because......Plan F is NOT part of Medicare.  Original Medicare has NO Network.....Original Medicare allows you to see ANY Doctor....or go to ANY Medical Facility in the U.S. that ACCEPTS Medicare! YOUR Health Insurance IS......Original Medicare.....NOT your Plan F! So.....if you're looking for a Medicare Supplement Plan that will cover ALL your Medicare Necessary out-of-pocket costs...Then Plan F is for you. Now.....let's take a look at the High Deductile F Plan. The High Deductible F Plan.....has a DEDUCTIBLE! For 2019.....the annual deductible is $2,300.00 That means......you WILL pay-out-of-pocket until......you reach the $2,300 DEDUCTIBLE. When you reach the $2,300 deductible, the plan will then pay all your "medically necessary" out-of-pocket costs that you are responsible for under Medicare, for the remainder of the calendar year. You will NOT pay the "Cash" price......you will be paying the Medicare Allowable price....BIG difference. If you go to a cardiologist, and the visit under Medicare, costs a total of $150, Medicare will pay 80% of that amount.... which is $120. you would pay the remaining 20%, which $30. You would continue to pay out-of-pocket until you reach $2,300. If you don't see many doctors or have any diagnostic tests, you will ONLY pay for the services you use. For a healthy person, this could be a very viable option. If you are a person with a chronic illness, let's say for example...Diabetes......Asthma.....or high cholesterol with high blood pressure.....this plan may NOT be a good choice for you. It's important for you to take into consideration your own health history, what medications you take, your financial status and what doctors you see, before enrolling in a Medicare Plan. Next time, I will go over the differences between Plan G and PLan N. If you are turning 65....or.....you are getting ready to come off of your employer plan and you need to figure out what Medicare Plan will suit your needs best..... Contact Me! Reach out to me by email - Support@TheMedicareNation.com or..... by phone....... (855) 855 - 7266. I will help you find the plan that fits YOUR unique needs. Go to my website..... www.TheMedicareNation.com for more information. Until next time.....have a very happy, a very healthy and Prosperous week!   Diane Daniels  

Watch the trailer and read what a retired hospital CEO & CFO says about the book: https://youtu.be/l0ChK-6meDY Here are the "highlights" of the proposed changes to Medicare. Block grants for Medicaid Part D discount doesn't count for your Part D Coverage Gap calculation Lower CMS rates to hospitals The practical reality is that it will be very difficult to pass these. The implications of the proposals are meaningful. Fiscal and demographic pressure exists on the CMS Part D discount not counting will make it more important to check your Part D or MAPD every year While this is going to look like a political fight, these two bullet points exist irrespective of "red state" or "blue state," or whatever other name-calling you will see in the future.  While "anything can happen" is a convenient phrase, these bullets points are not that. They are known, what we have always known, and that people don't understand the implications. Enter a certain book on Medicare matters.

Please note: We’re taking a break during the holidays and we’ll will be back with new episodes on January 11, 2019.  This episode was previously published on August 17, 2018   What does air quality have to do with data and collaboration?  This week Randy Zwitch, Senior Developer Advocate at MapD, joins Jason and Jim.  Randy and Jason have been working together on a project using MapD’s platform and air quality data from Jason’s home state, Utah.  The conversation starts off talking about the specifics of the project but then moves onto the broader topic of remote collaboration and there is even mention of a spicy sushi challenge from 7 years ago.   Links to blog posts documenting the project: https://33sticks.com/analyzing-utahs-air-quality-cleaning/   Website: www.33sticks.com Email: Podcast@33sticks.com Twitter: https://twitter.com/33Sticks Facebook: https://www.facebook.com/33sticks/

Hey Medicare Nation! You are getting ready for Thanksgiving and you haven't even looked at Prescription Drug Plans for 2019. Don't panic!  I have your back :) There are Prescription Drug Plan changes for 2019.  Listen to this episode to learn about the NEW changes and make a confident decision to enroll in the Medicare Prescription Drug Plan that fits your unique needs. Here is the link to the Medicare.gov website as an additional resoure: www.medicare.gov Have a question about Prescription Drug Plans for 2019? Ask me! If I can answer your question in ONE PARAGRAPH, I will! If I need to do "any" type of research or the answer to your question is longer than ONE paragraph, you may have to hire me as a consultant. I answer ALL emails personally. I'm the expert and I make sure you receive my expertise in answering your questions. Send your questions to - Support@TheMedicareNation.com   I look forward to hearing from you! Happy Thanksgiving everyone! Diane

What does air quality have to do with data and collaboration?  This week Randy Zwitch, Senior Developer Advocate at MapD, joins Jason and Jim.  Randy and Jason have been working together on a project using MapD’s platform and air quality data from Jason’s home state, Utah.  The conversation starts off talking about the specifics of the project but then moves onto the broader topic of remote collaboration and there is even mention of a spicy sushi challenge from 7 years ago.   Links to blog posts documenting the project: https://33sticks.com/analyzing-utahs-air-quality-cleaning/   Website: www.33sticks.com Email: Podcast@33sticks.com Twitter: https://twitter.com/33Sticks Facebook: https://www.facebook.com/33sticks/

Read the complete transcript to this podcast on the Sales Game Changers Podcastt. Monica McEwen is the Vice President of Federal Sales at MapD. In this capacity, Monica's responsible for building out the federal division including the go-to-market strategy and the ecosystem around the Washington DC Beltway. Monica joined MapD after spending six years at Qlik as a Federal VP where she started the federal division and developed and led a cross functional team of sales, inside sales, solutions architects and alliances. She spent over 20 years supporting the federal customer and believes her success in business depends on her ability to lead through change. This is true of both her prospect who was on a buying journey or in a leadership role. In today's IT market change is constant. Being a trusted adviser to your customers has served Monica well. Find Monica on LinkedIN!

Bussai talks to Mr L.M. Madiba about the services rendered by the Mpumalanga Association for Persons with Disabilities.

Hey Medicare Nation! www.TheMedicareNation.com Special Election Period Extended through March 31, 2018 for Medicare Beneficiaries Affected by California Wildfires. The Centers for Medicare & Medicaid Services (CMS) has extended the Special Election Period (SEP) for Medicare Beneficiaries affected by the California Wildfires to March 31, 2018. Any Medicaer Beneficiary who resides in, or resided in an area for which the Federal Emergency Management Agency (FEMA) declared a disaster area is eligible for the SEP......if......the beneficiary was unable to enroll in a Medicare Advantage Plan or stand-alone-prescription drug plan, during the annual enrollment period (AEP) or other qualifying election period. Also....if you don't live in the affected counties of California, but you receive assistance from someone living in one of the affected areas that was declared a disaster area, you are eligible for the SEP. You can call Medicare at 800-633-4227, or you can contact a Medicare Advisor or Medicare Consultant to assist you in finding a plan that will suit your unique needs. How do you find a Medicare Advisor or Medicare Consultant like me? Google it! Type in ......Medicare Consultant Los Angeles California....or Medicare Advisor San Francisco California. After you get beyond the "ADS" by all the paid advertisers.....you will start seeing results for what you asked for. So here are the COUNTIES  in California affected by the WildFires, which have a SEP: Butte Lake Los Angeles Mendocino Napa Nevada Orange Riverside San Diego Santa Barbara Solano Sonoma Ventura and Yuba. You can also go to the FEMA website and read more infomation at: www.fema.gov/disasters Any questions? Have a special guest you'd like to hear on Medicare Nation? Send Diane an email to -  Support@TheMedicareNation.com Need help with Medicare......Contact Diane and she will schedule a call with you to determine your needs. Send your request to Support@TheMedicareNation.com Have a Happy, Peaceful and Prosperous Week! www.TheMedicareNation.com  

In episode 3 of Startups of the Week, we’ll tell you about Curbside, a company that wants to make that annoying trip to the pharmacy a little less annoying. Then, we’ll tell you about four more startups you likely haven’t heard of yet. Theme music is "Bot Fest" by Alex Vaan. Opening signature by Leah Garchik. Learn more about your ad choices. Visit megaphone.fm/adchoices

2018 Medicare Part D Prescription Drug Cost Sharing It's October folks! Medicare season has begun! As of October 1st, licensed health insurance agents may begin speaking about 2018 Medicare Advantage Plans and stand-alone prescription drug plans. If you have a relationship with a licensed health insurance agent, Medicare Specialist or Medicare Consultant, they will more than likely start contacting you about your current plan. This is the time to discuss your concerns with your Medicare Specialist. You need to determine if all your prescription drugs are listed in the plan's 2018 formulary.  You also need to determine what your 2018 monthly costs will be for all your prescription medications. Ask yourself......."Have my out-of-pocket prescription drugs costs remained feasible on my current plan for 2018?" If so..... that's great! If not, it may be time to take a look at a new stand-alone-prescription drug plan. If you're on a Medicare Advantage Drug Plan, you will need to determine if your physicians are still in your plan's network and if your medical out-of-pocket costs are reasonable before you make any decisions. It is important to remember........ Medicare Specialists cannot take an enrollment application from you .......BEFORE October 15th! That is a Medicare Regulation!  If a Medicare licensed agent tries to take a signed application from you PRIOR to October 15th....... FIND A NEW AGENT! As a reminder........ NO ONE from Medicare will be knocking on your door or CALL you on the phone. Medicare will send you mail from the Social Security Administration ONLY! Any post cards or any letters with a return address from anywhere else on this Earth other than the Social Security Administration........ is not from MEDICARE!  It is most likely a solicitation from an Insurance Agent trying to get your business. Throw it out! Ok......let's take a look at the 2018 changes to Part D Prescription Drug Plans. Annual Deductible  The 2018 Maximum PDP Annual Deductible is $405.00. That's an increase of $5.00 from $400.00 in 2017. Starting January 1st of 2018....... if you are on a Medicare Advantage Prescription Drug Plan or Stand-Alone-Prescription Drug Plan...... that has a annual deductible, you will fit in one of two categories: 1. You will need to pay your annual deductible right away        prior to your plan's benefits kicking-in.  As of January 1, 2018, when you hand in a prescription for a listed drug on your plan's formulary, you will be expected to pay the full cost of that drug or the listed annual prescription deductible, whichever is less. For example, your stand-alone prescription drug plan has an annual prescription deductible of $405 on all tiers. You hand in your first prescription for lisinopril, which is listed as a Tier 1 on your plan's formulary. The listed      co-pay for a Tier 1 drug on your plan is $2.00. The total cost for a 30 day supply of lisinopril at your preferred pharmacy is $100.00. Since you have a $405.00 deductible, the cost for the 30 day supply of lisinopril  at $100.00 would be a lower out-of-pocket cost than the full $405.00 deductible. Therefore, you pay the $100.00 and deduct that amount from the $405.00 annual deductible, leaving you with a balance of $305.00. You will pay $100.00 for February, March and April for your lisinopril and in May you will pay the remaining balance of your deductible, which is $5.00. Then, your prescription drug benefits will kick in and you will also pay your $2.00 co-pay. Beginning in June, you will pay a $2.00 co-pay for your lisinopril for the remainder of the year.                                      OR 2. You will pay the annual deductible if and when you            "trigger" the deductible. As an example, You would trigger the annual deductible if you requested a prescription for a drug that was a Tier 3, Tier 4 or Tier 5 on your Medicare Advantage Drug Plan or Stand-Alone Prescription Drug Plan. If you requested a drug that was a Tier 1 or Tier 2 on that same plan, you would NOT "trigger" the annual deductible. Therefore, you would just pay the listed co-pay or co-insurance for that Tier 1 or Tier 2 prescription drug on your plan. So.....as we used lisinopril in the above example, in this case you would just pay your $2.00 co-pay for the 30 day supply of lisinopril starting right away in January. This is because lisinopril is listed as a Tier 1 drug on your plan's formulary. You wouldn't pay an annual deductible, since you haven't requested a prescription that was a Tier 3, Tier 4 or Tier 5 drug. You will continue to pay a $2.00 co-pay for your lisinopril for the remainder of 2018. The next portion of cost-sharing under prescription drug plans is called the Initial Coverage Period (ICP) During this portion of cost-sharing, the total amount spent during the Initial Coverage Period (ICP) is $3,750.00. The costs of covered drugs are shared - 25% by the beneficiary and 75% by the plan. If you do not have an annual deductible for prescription coverage, the maximum a beneficiary would spend out of pocket during the ICP is $937.50. The plan would pay the remaining balance, which is $2,812.50 ($3,750.00 - $2,812.50 = $937.50) You pay your co-pays and/or co-insurance, which is placed towards the $937.50. The plan pays the remaining balance of the Medicare negotiated price for the prescription, which is applied towards the $2,812.50. Once the total amount of your prescription drug costs (from your out of pocket costs and the plan's contributions) reach $3,750.00, you move into the next phase of cost-sharing. The next phase of Part D cost-sharing is called, The Coverage Gap, or commonly known as the "Donut Hole." During this phase, you will pay more for your prescription drugs. You will pay 35% for Brand name drugs and 44% for Generic drugs. Let's use Lisinopril again to look at the costs during the Donut Hole.  We stated a 30 day supply of Lisinopril from a preferred pharmacy is $100.00. Lisinopril is a generic drug, listed as a Tier 1 on your plan. In the Donut Hole, you are required to pay 44% of the Medicare negotiated price for Generics. In this example, you would pay $44.00 for a 30 day supply of Lisinopril in the Donut Hole. You are also paying a "Dispensing Fee," (about $1-$3 per drug) while in the Donut Hole. If you have a Brand prescription drug that is listed on a Tier 3, Tier 4 or Tier 5 on your plan, you will pay 35% of the Medicare negotiated price, while in the Donut Hole. Only True out-of-pocket (TrOOP) costs are counted toward the cost-sharing amount in the Donut Hole. TrOOP costs are - 1. The drug costs paid by the beneficiary 2. A 50% discount on Brand-Name drugs that is provided by the drug manufacturer. Payments made by the "plan" during the Donut Hole on Brand Name drugs DO NOT count toward TrOOP. If you DO have an annual deductible for your prescription drug coverage, the amount you pay out-of-pocket for your deductible is applied towards the ICP of $3,750.00. The maximum amount you would pay out-of-pocket during the Donut Hole portion of cost-sharing is $3,758.75 If the total cost-sharing amount reaches $3,758.75 in the Donut Hole phase, you will then move into the final phase of cost-sharing for 2018, which is called the "Catastrophic Stage." In the Catastrophic Stage, you will pay reduced co-pays and or co-insurance. You will pay either: A 5% co-insurance or a $3.35 co-pay for Generic drugs or a $8.35 co-pay for Brand drugs. You will pay whichever amount is greater. Let's use our example of Lisinopril one more time. With a total cost of Lisinopril being $100.00, a 5% co-insurance would be $5.00. With $5.00 being greater than $3.35 for Generic drugs, you would pay $5.00 for the 30 day supply of Lisinopril. You will remain in the "Catastrophic Phase" until January 1, 2019, when the slate is wiped clean and we start all over again.   I hope that answers your questions regarding changes to Prescription Drug Costs for 2018. If you have a question, and I can answer it in ONE paragraph or less, send me an email to - Support@TheMedicareNation.com I'll be happy to answer your question. If my answer requires more than one paragraph, or I need to research an answer....... you will need to hire me as a consultant to assist you. Go to this link and request a consultation from the "contact" tab. www.TheMedicareNation.com That's it for this week's show! I would love for you to rate & review Medicare Nation! Go to this link and tell me what you think!  https://goo.gl/sb3JXo   Have a happy, peaceful and prosperous week everyone!  

 Lisa R. Erwin is President of The E2 Group, LLC a managed markets consulting company that specializes in Medicare Part D clinical program strategic and operational expertise with a strong focus on Quality and Star Ratings.  She also serves as VP of Clinical Strategies for Aventria/Pinnacle Health Communications, a managed market agency. A common theme of Ms. Erwin's 30-year pharmacy career encompassing long-term care, managed-care and hospital pharmacy has been a focus on improving the quality of medication utilization in the senior population. Most recently, Lisa held the position of Senior Director, Medicare Clinical Quality for Catamaran, a pharmacy benefit manager based in Schaumburg, Illinois. In her role at Catamaran, Lisa directed the company STAR ratings strategy and developed analytic and clinical intervention programs with an emphasis on close health plan client collaboration. She also has served as Pharmacy Director for Medicare Business at Blue Cross Blue Shield of Michigan, a provider of PDP and MAPD offerings. As Vice President, Clinical Operations for Omnicare, Inc., the largest institutional pharmacy provider in the United States, she oversaw the implementation of clinical and health management initiatives which were which were uniquely designed to serve 1.2 million residents of skilled facilities, assisted living and other institutions in 48 states.  Erwin is a graduate of the University of Michigan College of Pharmacy and has been credentialed as a Certified Geriatric Pharmacist by the Commission for Certification in Geriatric Pharmacy. She has served as a member of the ASCP Task Force on Medication Therapy Management and the Editorial Advisory Board for The Consultant Pharmacist journal.  Lisa held the position of co-chair of Stakeholder Advisory Panel (SAP-B) for the Pharmacy Quality Alliance (PQA) in 2015 and currently is an appointed member of the Measure Update Panel (MUP) for PQA. 00:00 What is MTM and why is Medication Therapy Management making a resurgence? 02:30 MTM as an effort to improve outcomes for patients. 03:25 Engagement side vs. Hospital side. 05:15 Why MTM is such an arduous process. 06:20 “Who gets paid?” 06:50 The blurred lines in the reimbursement discussion. 08:30 “No one has figured out how to measure the outcome.” 10:35 “Why should we do this AND pay for it?” 13:00 The number of Comprehensive Medication Reviews needed for an average Star Rating. 14:00 The two signals coming out of CMS. 19:20 How the pieces of MTM fit together. 22:25 The Pharmacist's role in MTM. 26:45 The five or six quality measures causing your health plan the most money/pain.

Hey Medicare Nation! Medicare has announced the 2017 "5 Star Plans." What are 5 Star Plans? Medicare rates all health and prescription drug plans each year, based on a plan's quality and performance. Medicare Star ratings will help you understand the job a plan is doing. There are 2 main types of Star Ratings: 1. Overall Star Rating that combines all of the plan's scores. 2. A Summary Star Rating that focuses on a plan's medical or prescription drug services. A few areas Medicare reviews for these Star Ratings include: 1. How plan members rate their plan's services and care. 2. How well a plan's network of doctors detect illnesses and keep members healthy. 3. How well a plan helps it's members use recommended and safe prescription medications. A plan can receive a 1 to 5 Star Rating. 5 Stars is Excellent 4 Stars is above average 3 Stars is average 2. Stars is below average and 1 Star is poor. You can only switch to a 5 Star Rating Medicare Advantage Plan or a 5 Star Stand-alone Prescription Drug Plan, that is available in your area. You can only switch to a 5 Star Medicare Advantage Plan, Medicare Cost Plan or Medicare Prescription Drug Plan once from December 8th to November 30th of the next year. Once you use your election to enroll in a 5 Star Plan, you cannot use it again. If a Medicare Advantage Plan or a Stand-Alone Prescription Drug Plan has received a 5 Star Rating from Medicare, it doesnot mean you automatically go out and enroll in the 5 Star Plan. That 5 Star Plan may not fit your unique needs! The option is available..... if you need it! Some people enroll in a Medicare Advantage Plan during the Annual Enrollment Period, and only switched plans because they received an incentive from the new plan. Ex: Your neighbor "Phil" tells you he is on the greatest Medicare Advantage Plan. He receives $30 in "Bandaids" from his plan every month. He tells you to "switch" plans so you can get $30 worth of over-the-counter supplies every month. Phil hands you his "Agent's" card. You call Phil's "Agent," who gladly comes out and enrolls you into the same exact plan that Phil has. The plan goes into effect January 1st. You call your Primary Doctor on February 6th for an appointment because you think you have the flu.  The secretary advises you that Dr. Jones does not accept the new plan your on. What? You didn't check to see if your Primary Doctor accepts the new plan? Phil's "Agent" didn't check to see if your Primary Doctor was in the new plan's network? Sorry......you should have done your due diligence. Now you will have to "remain" on this plan until the next Annual Enrollment Period. You are "locked-in," until October 15th.  Maybe you were better off on the plan you originally were on. In this example, you may have another option! You find out in January, that XYZ Medicare Advantage Plan has a 5 Star Rating in your area. You can look up the XYZ Plans and determine if one of their plans accepts your Primary Doctor in their network. Check the co-pays, co-insurance and deductibles on the new plan. Check that all your prescription drugs are in the new 5 Star Plan's formulary. If you like what you found out about the 5 Star Rating Plan that is available in your area, you are allowed to "switch" one time from the Medicare Advantage Plan you are stuck on, to the 5 Star Rating Plan available in your area.  Once you make the election to switch to the 5 Star Plan, you cannot enroll into another plan - whether it has 5 Stars or not.  Only a criteria that fits a Special Election Period will be allowed. Look on the www.Medicare.gov website for the list of Special Election Period examples. The 14 Medicare advantage Plans that received "5 Star Ratings" for 2017 are:      Company Name                           Service Area 1. KS Plan Administrators, LLC -     4 Counties TX 2. Kaiser Found. HP, INC                 31 Counties CA 3. Kaiser Found. HP of CO               17 Counties CO 4. Kaiser Found. of the Mid-            D.C. &         Atlantic States                              11 Counties MD                                                             9 Counties VA 5. Tufts Assoc. HMO                       10 Counties MA 6. BCBS of MA HMO Blue                11 Counties MA 7. Group Health Plan (MN)            87 Counties MN                                                           8 Counties WI 8. Aultcare Health Ins. Corp          12 Counties OH 9. Physicians Health Choice TX     19 Counties TX 10. Gundersen Health Plan            1 County IA,                                                                 8 Counties WI 11. Optimum Healthcare Inc.        25 Counties FL 12. Kaiser Found. HP of NW          9 Counties OR                                                            4 Counties WA 13. Sierra Health & Life Ins.         1 County CO,                   1 County KS, 2 Counties MA, 3 Counties MD.             1 County MI, 2 Counties NJ, 2 Counties PA,               2 Counties TX, 1 County in VA   If you live in the service area of the above 5 Star Rated Plans, you should go onto the Medicare.gov website and compare the 5 Star Plan to the Plan you are currently on. Make sure your doctors are in the network. Make sure ALL your prescription drugs are covered in the formulary. Look at the co-pays, co-insurance and any deductibles. Make sure the "5 Star Plan," is worth "switching" too! Just because it was given a 5 Star Rating from Medicare, doesn't mean the plan will automatically be the best choice for your unique needs. Do your Due Diligence!  You can check the Medicare.gov site for any 5 Star Prescription Drug Plans in your service area and Medicare Advantage Plans that are health plans only and do not offer prescription drug coverage on that particular plan. You can also listen to episode MN061. I give you information on the Medicare Advantage Disenrollment period and information on Special Need Plans. You don't have to be "stuck" on a Medicare Advantage Plan that doesnot suit your needs. This is the time of year to make changes. Make sure you switch to a better plan this time! Questions?? Send them to Support@TheMedicareNation.com Thanks for listening to Medicare Nation. If you like the information that is provided, give us a 5 Star Review on iTunes! The more reviews we get, the more exposure iTunes will give Medicare Nation, and that means more people will be able to find the show. https://itunes.apple.com/us/podcast/medicare-nation/id1031060767?mt=2 Have a happy, peaceful & prosperous week!                         

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How to Find a New Prescription Drug Plan Welcome Medicare Nation! Many clients have been contacting me the last several weeks to tell me their Medicare plan has dropped one or several of their prescription drugs from the plan’s formulary. MAPD plans and Stand Alone Prescription Drug Plans (PDP) may change their formularies during the calendar year. Two examples of when they can do this, is if a prescription drug is found to be unsafe by the FDA. If a prescription drug may cause serious injury or death, they will remove the drug from the market. All Medicare plans would be forced to remove that drug from their formulary. Another reason a drug may be removed or added is when a generic of the brand drug comes out. This year Crestor, a brand drug for high cholesterol, became generic. With generic drugs available, the cost of the drug to the Medicare plan goes down. The plan adds the generic to their formulary and either keeps Crestor in addition to the generic, or removes Crestor from the formulary and keeps the generic versions. If you are on a Medicare Advantage Prescription Drug Plan (MAPD), you are locked in the plan, until the open enrollment period which begins on October 15th this year, or you have a special enrollment period. You can go to www.Medicare.gov to look up special election periods, or you can listen to episode #36 published on April 15, 2016. Stand Alone Prescription Drug Plans and MAPD plans, which have prescription drugs included, will be announcing their 2017 plans and formularies by October 1, 2016. Several Medicare Advantage Plans or Stand Alone Prescription Drug Plans may be available in your area. How do you compare plans to find the right one for you or your loved one? Use the official Medicare Website Plan Finder’s database. Go to www.Medicare.gov You’ll see a Dark Blue Bar under Medicare.gov Hover your cursor over the tab that reads “Drug Coverage.” Click on the last item in the column labeled “Find Health & Drug Plans.” Add your zip code & click on “Find Plans.” Check the box that pertains to you. Original Medicare? Health Plan (MAPD)? Check the box that pertains to you in regards to assistance. Do you receive extra help? I Don’t Know? Click “Continue.” Now enter your drugs. All of them. When you enter a brand drug, a box will come up asking you if you’d prefer to check the “generic.” If you take the brand, keep the brand drug. If you use the generic – choose the generic. If you don’t know…..choose the generic for now. You can ask your pharmacist or doctor later. Select “My Drug List is Complete.” You’ll see on the right side a grayish box that has a Prescription ID# Copy that number and the Password Date. You will be able to come back and edit the drug list in the future, without having to add all the previous drugs again. What a timesaver! Now select a pharmacy you use. Then select “Continue to plan results” On this page, you’ll see a summary of your search. Select the box that pertains to your plan.    Either Prescription Drug Plan with Original Medicare or    Health Plan with Prescription Drug Plan (MAPD).       All the drug plans in your geographical area available to you will be displayed.       Now you can look at each plan to determine which plans have all your prescription drugs and which ones do not.       You can enroll directly from the Medicare.gov portal, call Medicare directly or call your insurance agent or better yet – your Medicare Advisor.       You have several options.       With your Prescription ID# and the Password Date,  you will be able to come back at a later date and edit your list.       Start getting your list together, so it will be easier for you to check out 2017 plans!  Here's the link to read the guidelines your Primary Doctor uses in prescribing you scheduled drugs. www.cdc.gov/drugoverdose/prescribing/guideline Do you have questions or feedback? I’d love to hear it! I may answer one of your questions on the air! email me: support@themedicarenation.com        Go to the Contact page and send me an email or “click” on the “Speak” button and talk to me! No other equipment is needed! Thank you for listening! If you enjoyed this podcast, please subscribe and leave a 5 star rating and review in iTunes! (Click here)     Find out more information about Medicare on Diane Daniel’s website! www.CallSamm.com    

How to Find a New Prescription Drug Plan Welcome Medicare Nation! Many clients have been contacting me the last several weeks to tell me their Medicare plan has dropped one or several of their prescription drugs from the plan’s formulary. MAPD plans and Stand Alone Prescription Drug Plans (PDP) may change their formularies during the calendar year. Two examples of when they can do this, is if a prescription drug is found to be unsafe by the FDA. If a prescription drug may cause serious injury or death, they will remove the drug from the market. All Medicare plans would be forced to remove that drug from their formulary. Another reason a drug may be removed or added is when a generic of the brand drug comes out. This year Crestor, a brand drug for high cholesterol, became generic. With generic drugs available, the cost of the drug to the Medicare plan goes down. The plan adds the generic to their formulary and either keeps Crestor in addition to the generic, or removes Crestor from the formulary and keeps the generic versions. If you are on a Medicare Advantage Prescription Drug Plan (MAPD), you are locked in the plan, until the open enrollment period which begins on October 15th this year, or you have a special enrollment period. You can go to www.Medicare.gov to look up special election periods, or you can listen to episode #36 published on April 15, 2016. Stand Alone Prescription Drug Plans and MAPD plans, which have prescription drugs included, will be announcing their 2017 plans and formularies by October 1, 2016. Several Medicare Advantage Plans or Stand Alone Prescription Drug Plans may be available in your area. How do you compare plans to find the right one for you or your loved one? Use the official Medicare Website Plan Finder’s database. Go to www.Medicare.gov You’ll see a Dark Blue Bar under Medicare.gov Hover your cursor over the tab that reads “Drug Coverage.” Click on the last item in the column labeled “Find Health & Drug Plans.” Add your zip code & click on “Find Plans.” Check the box that pertains to you.                                                 Original Medicare?                                                                           Health Plan (MAPD)? Check the box that pertains to you in regards to assistance.                     Do you receive extra help?                                                                      I Don’t Know? Click “Continue.” Now enter your drugs. All of them. When you enter a brand drug, a box will come up asking you if you’d prefer to check the “generic.” If you take the brand, keep the brand drug. If you use the generic – choose the generic. If you don’t know…..choose the generic for now. You can ask your pharmacist or doctor later. Select “My Drug List is Complete.” You’ll see on the right side a grayish box that has a Prescription ID#   Copy that number and the Password Date. You will be able to come back and edit the drug list in the future, without having to add all the previous drugs again. What a timesaver! Now select a pharmacy you use. Then select “Continue to plan results” On this page, you’ll see a summary of your search. Select the box that pertains to your plan.                                           Either Prescription Drug Plan with Original Medicare or                         Health Plan with Prescription Drug Plan (MAPD). All the drug plans in your geographical area available to you will be displayed. Now you can look at each plan to determine which plans have all your prescription drugs and which ones do not. You can enroll directly from the Medicare.gov portal, call Medicare directly or call your insurance agent or better yet – your Medicare Advisor.       You have several options. With your Prescription ID# and the Password Date,  you will be able to come back at a later date and edit your list.  Start getting your list together, so it will be easier for you to check out 2017 plans!   Do you have questions or feedback? I’d love to hear it! I may answer one of your questions on the air! email me: support@themedicarenation.com        Go to the Contact page and send me an email or “click” on the “Speak” button and talk to me! No other equipment is needed! Thank you for listening! If you enjoyed this podcast, please subscribe and leave a 5 star rating and review in iTunes! (Click here)     Find out more information about Medicare on Diane Daniel’s website! www.CallSamm.com  

Lisa R. Erwin is President of The E2 Group, LLC a managed markets consulting company that specializes in Medicare Part D clinical program strategic and operational expertise with a strong focus on Quality and Star Ratings.  She also serves as VP of Clinical Strategies for Aventria/Pinnacle Health Communications, a managed market agency. A common theme of Ms. Erwin's 30-year pharmacy career encompassing long-term care, managed-care and hospital pharmacy has been a focus on improving the quality of medication utilization in the senior population. Most recently, Lisa held the position of Senior Director, Medicare Clinical Quality for Catamaran, a pharmacy benefit manager based in Schaumburg, Illinois. In her role at Catamaran, Lisa directed the company STAR ratings strategy and developed analytic and clinical intervention programs with an emphasis on close health plan client collaboration. She also has served as Pharmacy Director for Medicare Business at Blue Cross Blue Shield of Michigan, a provider of PDP and MAPD offerings. As Vice President, Clinical Operations for Omnicare, Inc., the largest institutional pharmacy provider in the United States, she oversaw the implementation of clinical and health management initiatives which were which were uniquely designed to serve 1.2 million residents of skilled facilities, assisted living and other institutions in 48 states. Erwin is a graduate of the University of Michigan College of Pharmacy and has been credentialed as a Certified Geriatric Pharmacist by the Commission for Certification in Geriatric Pharmacy. She has served as a member of the ASCP Task Force on Medication Therapy Management and the Editorial Advisory Board for The Consultant Pharmacist journal.  Lisa held the position of co-chair of Stakeholder Advisory Panel (SAP-B) for the Pharmacy Quality Alliance (PQA) in 2015 and currently is an appointed member of the Measure Update Panel (MUP) for PQA. 00:00 Lisa Erwin explains what PBM stands for, and what Pharmacy Benefit Managers do.02:00 Stacey and Lisa “follow the dollar”.02:45 Achieving access in pharma.03:15 How rebates work in pharma.07:45 “Total cost of care matters.”12:30 How PBMs acquire medical claims information.16:00 How PBM star ratings work.21:00 How PBMs assist plans with adherence.23:15 What PBMs need from stakeholders.25:50 How PBM incentives are aligned with pharmaceutical companies, despite a distinct separation of the two.29:00 The lack of conversations around digital resources for PBMs.30:00 Lisa offers her advice on the trend of relying on retail pharmacists.33:00 “Retail pharmacy needs to rise to the challenge.”33:40 A new vertical in pharma.34:30 “PBMs are viewing themselves more and more as having an impact on the health of a member.”