Podcasts about Medicare

Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark to break down tax-efficient withdrawal strategies that maximize your retirement savings. Discover blended drawdown strategies and cyclical drawdown methods that optimize which accounts you tap first—Traditional IRA, Roth IRA, taxable brokerage, HSA—to minimize your lifetime tax burden. This episode covers: Sequential vs. blended vs. cyclical retirement drawdown strategies How to optimize withdrawal order from retirement accounts (401k, IRA, Roth, taxable accounts) Tax-efficient retirement planning for early retirees and FIRE followers How to leverage today's historically low tax rates before they expire Healthcare costs in early retirement (ACA subsidies, Medicare planning) Asset protection and estate planning considerations Roth conversion strategies during low-income years How to avoid costly tax mistakes in the decumulation phase Whether you're planning for financial independence, already retired early, or managing multiple retirement accounts, this tax optimization masterclass will help you keep more of your money and make your nest egg last longer. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's In the News.. a look at the top headlines and stories in the diabetes community. This week's top stories: big FDA recall around Freestyle Libre (see more below to find out if you're affected), Dexcom launches their 15.5 day sensor, Omnipod announces enhancements, Tandem tests a fully closed loop (with high fat, high carb meals) and lots more! Find out how to submit your Community Commercial Find out more about Moms' Night Out  Please visit our Sponsors & Partners - they help make the show possible! Learn more about Gvoke Glucagon Gvoke HypoPen® (glucagon injection): Glucagon Injection For Very Low Blood Sugar (gvokeglucagon.com) Omnipod - Simplify Life Learn about Dexcom   Check out VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Twitter Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com  Reach out with questions or comments: info@diabetes-connections.com Episode transcription with links: Hello and welcome to Diabetes Connections In the News! I'm Stacey Simms and every other Friday I bring you a short episode with the top diabetes stories and headlines happening now. Our top story this week: XX Certain glucose monitors from Abbott Diabetes Care are providing users with incorrect glucose readings, an error that has been linked with the deaths of at least seven people and more than 700 serious injuries worldwide, according to an alert from the US Food and Drug Administration.   Incorrect glucose readings can lead to improper treatment. Abbott warned that about 3 million FreeStyle Libre 3 and FreeStyle Libre 3 Plus sensors are affected, but no other Libre products. Patients can visit FreeStyleCheck.com to see if their sensors are affected and to get a replacement for free.   The FDA has also published specific information about the affected products in its alert. The agency considers this to be a "potentially high-risk issue" and will continue to update its website as information becomes available.   "Patients should verify if their sensors are impacted and immediately discontinue use and dispose of the affected sensor(s)," the FDA said.   https://www.cnn.com/2025/12/02/health/abbott-diabetes-glucose-monitors https://www.freestylecheck.com/us-en/home.html XX Omnipod 5 is getting some enhancements.. and Omnipod 6 is announced. The FDA cleared updates including  a lower, 100 mg/dL target glucose option and what they call a more seamless automated experience. "This is the most significant algorithm advancement to our Omnipod 5 System since its launch in 2022," said Eric Benjamin, Insulet EVP and COO. Insulet said the new 100 mg/dL target glucose expands Omnipod 5's customization range. It now features six settings between 100 mg/dL and 150 mg/dL in 10 mg/dL increments. The company said this flexibility allows healthcare providers to tailor insulin delivery more precisely. It supports individuals seeking tighter glucose management or aiming to meet specific glucose goals. Omnipod 5's latest upgrades also help users stay in "Automated Mode" with fewer interruptions, even during prolonged high glucose events. Insulet plans to launch the updates to the algorithm in the first half of 2026. The company announced plans for an Omnipod 6 – without a lot of detail - at the company's Investor Day event in November. They also talked about a new, fully closed-loop pump for the type 2 diabetes population. https://www.drugdeliverybusiness.com/insulet-fda-clearance-omnipod-5-algorithm-enhancements/ XX Dexcom, the global leader in glucose biosensing, announced today that the Dexcom G7 15 Day Continuous Glucose Monitoring (CGM) System will launch in the United States on Dec. 1, making it the longest-lasting CGM system with 15.5 days of wear.   Dexcom G7 15 Day will first be available through durable medical equipment (DME) providers on Dec. 1 with full retail launch in the coming weeks. Dexcom G7 15 Day will also be covered for Medicare beneficiaries.   Dexcom G7 15 Day's industry-leading wear-time will provide fewer sensor changes, less disruption and more time for people with diabetes to benefit from life-changing CGM technology.   New with Dexcom G7 15 Day:  Longest lasting CGM system with 15.5 days of wear. Best-in-class accuracy1 with an overall MARD of 8.0%. Easier glucose management with fewer monthly sensor changes and reduced monthly waste. This follows yesterday's announcement – the FDA has cleared Dexcom Smart Basal, the first and only CGM-integrated basal insulin dosing optimizer designed for adults 18 and older with Type 2 diabetes using long-acting insulin. Dexcom Smart Basal will use Dexcom G7 15 Day sensor data and logged doses to calculate personalized daily recommendations to guide users towards a more effective long-acting insulin dose, as directed by their healthcare provider. At launch, Dexcom G7 15 Day will connect with the iLet Bionic Pancreas and Omnipod® 5§§. We are working closely with Tandem and look forward to extending the launch to their customers shortly as they finalize integration. For specific information on pump compatibility and availability with the Dexcom G7 15 Day system, visit Dexcom.com/connectedpumps https://investors.dexcom.com/news/news-details/2025/Dexcom-G7-15-Day-Continuous-Glucose-Monitoring-System-to-Launch-on-Dec--1-in-the-United-States/default.aspx   XX A small study of ten adults with type 1 diabetes tested Tandem's new fully closed-loop "Freedom" insulin system — and the participants put it through a real-world stress test. For 72 hours in a hotel setting, they ate heavy carb-and-fat meals, skipped all meal announcements, and didn't give any mealtime insulin boluses. The system handled almost everything automatically. Researchers said the device stayed in closed-loop mode 97% of the time and there were no incidents of diabetic ketoacidosis or severe hypoglycemia reported. While using the Freedom system, participants spent a median 61% of the day in the glucose target range — slightly higher than the 56% achieved with their usual pump at home. But the biggest improvement came overnight: time in range jumped to 96% with the closed-loop system compared to just under 70% during their home-pump week. With almost zero time spent below 70 mg/dL, researchers concluded that the fully automated Tandem system was both safe and effective even with unannounced, high-impact meals — hinting at a future of diabetes management that demands less effort from users.   XX Novo Nordisk reported promising mid-stage results for its experimental drug amycretin (AM-ee-creht-in) in diabetes patients on Tuesday. Amycretin, targets both GLP-1 and amylin hormones. In this study, it helped patients with type 2 diabetes lose up to 14.5% of their body weight over 36 weeks with weekly injections, far outperforming a placebo. The oral version delivered weight loss of up to 10.1%. Rival Eli Lilly  is surging ahead with its own amylin-based drug, eloralintide, which is advancing to late-stage testing after helping patients shed as much as 20% of their weight in a mid-stage trial. https://www.cnbc.com/2025/11/25/novos-next-gen-obesity-drug-shows-positive-results-heads-to-late-stage-testing.html XX The U.S. Medicare health plan said on Tuesday that newly negotiated prices for 15 of its costliest drugs will save 36% on those medications compared with recent annual spending, or about $8.5 billion in net covered prescription costs. The prices go into effect in 2027, including a monthly price of $274 for Novo Nordisk's popular GLP-1 drug semaglutide, sold as Wegovy for weight loss and Ozempic for diabetes. medicare's recent net price for Ozempic, opens new tab was $428 a month, according to an analysis published in the Journal of Managed Care and Specialty Pharmacy. Medicare put the drug's list price, before confidential rebates and discounts, at $959 a month. Based on such nondiscounted list prices, Medicare said savings on the 15 drugs ranged from 38% to 85%. The annual price negotiations were established under President Joe Biden's signature Inflation Reduction Act (IRA) of 2022. Previously, Medicare was barred by law from negotiating with drugmakers. https://www.reuters.com/business/healthcare-pharmaceuticals/us-negotiated-medicare-prices-15-more-drugs-test-cost-savings-promise-2025-11-25/   XX LifeScan announced its Chapter 11 bankruptcy reorganization plan received U.S. Bankruptcy Court approval. LifeScan said it's positioned to emerge from its financial restructuring process by the end of the year. The CEO says, "This balance sheet restructuring provides a stronger foundation for LifeScan to support our base business, advance new growth strategies, and commence our journey to become one of the most comprehensive players in the glucose management space." https://www.drugdeliverybusiness.com/glucose-monitor-lifescan-emerge-from-bankruptcy/ XX An artificial intelligence (AI)-led Diabetes Prevention Program (DPP) was as effective as a traditional human-led program in achieving recommended goals for weight loss, A1c reduction, and physical activity, according to a randomized trial of adults with prediabetes and overweight or obesity. One example of a push notification: "Looks like you're at the grocery store, Rita! Want a quick list of high-fiber snacks or smart swaps to stay on track this week?" The app also provided location- and goal-based education, with gamification elements to promote engagement. Approximately one third of participants in both the AI and human-led groups achieved the primary outcome (31.7% and 31.9%, respectively). Results were consistent across sensitivity analyses and individual components of the composite endpoint. "As more AI-based programs emerge, head-to-head comparisons among different AI-DPPs will be informative. An AI-led approach will not suit everyone; some individuals benefit more from human interaction and accountability," said Mathioudakis, adding that future research should focus on best matching patients to the modalities they prefer. https://www.medscape.com/viewarticle/ai-directed-diabetes-prevention-program-effective-human-2025a1000xam XX A new study suggets metformin could help people with type 1, reducing the need for insulin.  The researchers were surprised to find that metformin did not improve insulin resistance or change blood sugar levels. This suggests that, unlike in type 2 diabetes, metformin doesn't combat insulin resistance in type 1 diabetes.   However, metformin did reduce the amount of insulin people needed to keep their blood sugar levels stable.   https://www.the-express.com/news/health/192157/diabetes-medicine-insulin-type-1 XX Beyond Type 1 launches #TheBeyondType campaign in India to combat type 1 diabetes stigma. Nick Jonas is one of the founders of Beyond Type 1, his wife, Priyanka Chopra Jonas is his partner in this new non profit. The initiative highlights inspiring individuals living with T1D and partners with local organisations to improve awareness, medical support, and community networks for affected families across the nation. India has more young people living with T1D than any other nation, yet understanding of the condition remains limited. Beyond Type 1 is partnering with grassroots organisations across high-need regions. These include HRIDAY in Delhi–NCR, Nityaasha Foundation in Pune, Gram Jyoti in Jharkhand, and SAMATVAM Trust in Bangalore—each group focusing on improving awareness, providing medical support and building stronger community networks for young people with T1D.

Ameren Missouri's new rates for data centers are now in effect. But a consumer advocacy group is asking for a redo. St. Louis Public Radio's Kate Grumke explains the case and the latest updates. Plus, Midwest seniors have two options for Medicare coverage– traditional Medicare through the government, or a private Medicare Advantage plan. While Advantage plans cost less up front, experts say seniors could pay the price with their health.

Zak Paine and Adel Nero return after a month away with a rapid-fire deep dive into one of the busiest news cycles in recent memory. They unpack the massive Somali-linked fraud networks exposed in Minnesota, spanning EBT, Medicaid, Medicare, welfare programs, and dirty voter rolls, and explore how the corruption implicates state leadership while triggering nationwide audits that could reshape the entire system. The conversation widens into immigration reform, H1B visa abuse, and the administration's sweeping moves to shut down welfare-based migration. Zak and Adel then break down Trump's viral “retarded” tweet aimed at Tim Walz, the left's meltdown, and the larger narrative war erupting around it. From there, they dig into the long-delayed arrest of the January 6 pipe-bomb suspect, analyzing why the Biden DOJ sat on key evidence for years and what the new investigation signals. The episode closes with sharp commentary on AI, economic disruption, MTG's fallout with Trump, rogue judges undermining policy, and the growing collapse of deep-state funding pipelines, from drug ratlines to NGO grifts.

No other state in the US has Maryland's system of paying for hospital services despite its 50-year existence and the extra $2bn a year it brought. A new agreement between the state and the federal Centers for Medicare and Medicaid Services ends the preferential arrangement in 2027. Sunil Dasgupta asks Delegate Bonnie Cullison, Vice-Chair of the Maryland House Health and Government Operations Committee, and Jon Kromm, executive director of the Health Services Cost Review Commission, the state's hospital cost regulatory body, what to expect. Music by Kara Levchenko.

Trump escalates rhetoric toward Somali Americans as his administration tightens immigration vetting, while Ohio blocks expanded child labor hours and seniors face a Sunday deadline to review Medicare coverage.

Your Nebraska Update headlines for today, Dec. 5, include: Tyson's Lexington plant closure set to shift cattle operations across Nebraska, Nebraskans weigh traditional Medicare against Medicare Advantage, Rep. Don Bacon criticizes recent military actions, professional indoor football returns to Grand Island next year.

CMS recently published their 2027 Medicare Advantage and Part D Proposed Rule. In this week's Friday Five episode, we talk initial takeaways and the impact on agents and beneficiaries.   Get Connected:

Having $5 million or more saved for retirement doesn't mean you're financially secure. In this episode, Dave and Derek break down the hidden risks wealthy retirees face — from tax drag and Medicare surcharges to concentration risk in tech, bond exposure mistakes, and long-term-care costs. They explain why planning ahead matters more at higher net-worth levels and share practical ways to reduce portfolio stress while maintaining growth. If you want to protect your retirement lifestyle, avoid over-hedging, and understand income strategies designed for big portfolios, this episode is for you. 

“This is a time to reimagine public health and public health/healthcare system integration,” says Dr. Deb Houry, the former chief medical officer for the US Centers for Disease Control and Prevention. In this thoughtful Raise the Line conversation, Dr. Houry reflects on unprecedented federal action in vaccine guidance and other issues since her noteworthy resignation from the CDC in August, and sees a more decentralized landscape emerging where states and localities play a larger role in providing public health recommendations. And while she acknowledges upsides to this shift, she's also concerned what the absence of a national consensus on health standards could mean. “Diseases don't recognize borders, and it's also important that people have equitable access to preventative services, vaccines, and other things,” she tells host Lindsey Smith. Tune in for Dr. Houry's seasoned perspective on this consequential moment in public health, and her encouraging message for learners and early career providers considering a career in the sector.Mentioned in this episode:DH Leadership & Strategy Solutions If you like this podcast, please share it on your social channels. You can also subscribe to the series and check out all of our episodes at www.osmosis.org/podcast

Every career field has its challenges. One challenge you'll likely encounter at some point as an insurance agent is a difficult client. In this episode, we've got tips and advice about what to do in those situations!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Medicare Myths Your Clients May Believe Field Notes on Digital Marketing Resources How Client Retention Boosts Insurance Sales Keys to Client Retention: Digital Communication Keys to Client Retention: Face-to-Face Communication PlanEnroll – Quoting & Enrollment Platform The Complete Guide to Client Loyalty and Retention FREE eBook Download The Ritter Platform What Agents Can't Say During Medicare Sales Appointments   References: Sloan, Kayla. “4 Reasons You Shouldn't Drop a Client on a Whim.” Due, 21 Feb. 2023, https://due.com/drop-a-client/. “Explore Your Medicare Coverage Options.” Medicare.Gov, https://www.medicare.gov/plan-compare/. Accessed 6 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Double and triple check your enrollment applications for errors! Make sure your applications don't get flagged during the submissions process by following these tips. Read the text version   Register with Ritter & Unlock Digital Tools Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Announcing IntegrityCONNECT Meet Your Ritter Sales Team IntegrityCONNECT Leads FAQs PlanEnroll – Take Your Business to the Next Level Integrity Sales Technology – Ritter Docs What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales IntegrityCONNECT   References: “Social Security Performance.” Social Security, www.ssa.gov/ssa-performance. Accessed 19 Oct. 2025. “ Title 42 Chapter IV Subchapter B Part 422 Subpart V § 422.2264.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2264. Accessed 19 Oct. 2025. Ruhle, Jessica. “What Do Seniors Do Online? 2025 Data for Marketers.” Creating Results, 26 Mar. 2025, www.creatingresults.com/blog/2025/03/13/what-do-seniors-do-online-2025-data-for-marketers/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

AMA CEO John Whyte, MD, MPH, talks with Abe Sutton, JD, Director for the Center of Medicare and Medicaid Innovation (CMMI) and Deputy Administrator for CMS, about the potential benefits and challenges of a new outcome-aligned payment model called ACCESS, and what it means for physicians and patients. Learn more at CMS.gov.     ⭐⭐⭐⭐⭐

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip emphasizing the importance of resistance training for longevity.TakeawaysCatch-up contributions can be made to Roth or traditional accounts depending on income levels.The Secure Act 2.0 mandates Roth contributions for high earners.Tax implications of Roth contributions can affect take-home pay.Forced Roth contributions may disrupt financial planning for some individuals.Payroll systems may struggle with the implementation of new rules.Many employees feel penalized by the new tax rules.Federal employees need to consider how these changes affect Medicare premiums.Regional variations exist in contribution rules for federal employees.It's crucial to review retirement plans regularly to avoid mistakes.Resistance training is essential for maintaining health as we age.

The Centers for Medicare and Medicaid Services is considering updates to how it calculates Medicare Advantage star ratings. The United States and the United Kingdom have agreed to a zero percent pharmaceutical tariff. The House passes legislation to extend the hospital-at-home waiver. Hear more on today's episode of The Gist Healthcare Podcast. Hosted on Acast. See acast.com/privacy for more information.

Send us a textRecent federal legislation about health insurance coverage will impact the breast cancer community.  Monica Bryant of Triage Cancer talks to us about changes to private insurance (through the ACA healthcare exchange marketplace) and publicly funded insurance including Medicare and Medicaid. We also discuss some of the potential ripple effects, including on cancer screening programs, that may impact the ability of many in the cancer community to access healthcare.Visit OurMBCLife.org for episode notes. 

Welcome to the Paint The Medical Picture Podcast, created and hosted by Sonal Patel, BA, CPMA, CPC, CMC, ICD-10-CM.Thanks to all of you for making this a Top 15 Medical Billing & Coding Podcast for 5 years on Feedspot.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sonal's 16th Season starts up and Episode 14 features a Newsworthy update on World AIDS Day.Sonal's Trusty Tip and compliance recommendations focus on a new Medicare hospice outpatient services edit.Spark inspires us all to reflect on resilience based on the inspirational words of Marcus Aurelius.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Paint The Medical Picture Podcast now on:Spotify:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/6hcJAHHrqNLo9UmKtqRP3X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/paint-the-medical-picture-podcast/id153044217⁠7⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon Music: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://music.amazon.com/podcasts/bc6146d7-3d30-4b73-ae7f-d77d6046fe6a/paint-the-medical-picture-podcas⁠t⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find Paint The Medical Picture Podcast on YouTube:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCzNUxmYdIU_U8I5hP91Kk7A⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find Sonal on LinkedIn:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/sonapate/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠And checkout the website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://paintthemedicalpicturepodcast.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you'd like to be a sponsor of the Paint The Medical Picture Podcast series, please contact Sonal directly for pricing: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PaintTheMedicalPicturePodcast@gmail.com

Aaron Miller, an award-winning elder law attorney, was personally motivated by his own family's tragedy: his grandparents lost everything paying privately for a decade of nursing-home care, and years later his grandfather had nothing left, forcing Miller's parents to drain their own retirement savings. He warns that “beauty shop and coffee shop” myths and outdated advice lead people to believe Medicare will cover it (it doesn't, beyond a possible 100 days of rehab) or that simply giving assets to children is safe (it usually isn't). The result is panic, massive financial loss, and heirs left with little or nothing.

Recorded on the floor of the EMS|MC EMSpire Conference in Charleston, South Carolina, this episode of EMS One-Stop finds host Rob Lawrence in conversation with long-time collaborator and EMS advocate Matt Zavadsky. Fresh off the longest federal government shutdown in history, Rob and Matt unpack what the hyper-turbulence in Washington really means for EMS: suspended Medicare extenders, disrupted grant programs, agencies taking out loans just to meet payroll and training programs put on hold. They break down NAEMT's flash poll on the shutdown's impact, the promise of the Treatment in Place (TIP) legislation, and why associations “hunting as a pack” on Capitol Hill matters more than ever. Along the way, they spotlight EMSIntel.org as a national barometer of EMS funding, staffing and response time crises, and issue a clear call to action for providers, billers and leaders to use association tools to contact their members of Congress. | MORE: Government reopens: What EMS providers need to know right now In the second half, Rob is joined by Dr. Shannon Gollnick, paramedic, EMS leader and organizational psychologist, to explore how artificial intelligence is reshaping EMS — right now. Shannon makes the case that AI is “not the future; it is the present,” and that agency leaders must urgently build literacy, policies and guardrails around its use. They dig into the difference between HIPAA-compliant, embedded AI in ePCR systems, and risky open tools like ChatGPT, touching on hallucinations, embedded code and emerging Medicare fraud-detection programs. | MORE: Artificial to augmented intelligence. How Dr. Shannon Gollnick wants EMS to work smarter, not harder Rob and Shannon talk about AI as a powerful but potentially dangerous tool — “like having a tiger” — and outline practical steps for chiefs: Ask: “Do we have an AI policy?” Define what AI can and cannot be used for Insist that every AI-generated work product is double-checked by a human before it hits the record Memorable quotes “We weren't here to actually scare you off it. We're here to let you know that it's here, but it's like having a tiger, right? We all love to have a tiger, but it has to be contained in some sort of guard, otherwise it's going to run rife and cause havoc, and we don't want that.” — Rob Lawrence “This is part of the hyper-turbulence that's occurring in EMS right now.” — Matt Zavadsky “So I think the message for the profession right now is, now is not the time to put your foot on the brake. It's time to put your foot on the gas.” — Matt Zavadsky “We put the fun into function.” — Dr. Shannon Gollnick “I think it's important to understand that AI is not the future. It is the present. We are currently here right now. And it's nothing to be afraid of.” — Dr. Shannon Gollnick “If you're not doing it, I promise you that your staff is doing it and they're playing around with AI.” — Dr. Shannon Gollnick “Guardrails don't exist from a congressional standpoint. They don't exist from a regulatory standpoint. The technology is moving far too fast. So we as agency leaders have to take the lead in putting up some of those guardrails.” — Dr. Shannon Gollnick “There are ePCR software out there that are using proprietary AI that will use AI-generated narratives. And that absolutely is 100% good to go. What we don't want to see is our crews putting in their ChatGPT to have ChatGPT write their narrative.” — Dr. Shannon Gollnick “ChatGPT has embedded code inside of it that you can't see, but that code is there ... so what we're kind of afraid to do is to say, hey, what happens 6 months from now, 8 months from now when Medicare does an audit, they run your ePCRs and find all of this embedded code from ChatGPT ... you open yourself up for a lot of compliance issues.” — Dr. Shannon Gollnick Additional resources: EMS Intel EMS News Tracker American Ambulance Association Advocacy NAEMT Advocacy EMS shutdown survival: What leaders need to know now Charting the future: How AI is rewriting the EMS narrative Episode timeline: 00:21 – Rob introduces guest Matt Zavadsky 02:02 – Rob recaps the 40-plus-day federal government shutdown, questions about reopening, and his upcoming return to Capitol Hill for renewed advocacy 02:02 – Matt frames the shutdown as part of the “hyper turbulence” in EMS; explains the regulatory suspensions, pauses in Medicare extenders and grants, and how cash-flow uncertainty forced some agencies to take out loans just to make payroll 03:04 – Matt details NAEMT's flash poll (408 agency responses) showing suspended training and grant-funded programs, and warns of a possible repeat shutdown around January 30 03:54 – Rob and Matt discuss the reopening of government, ongoing bipartisan work, and the risk that everything “comes to a grinding halt” again if Congress can't agree 04:51 – Matt explains why NAEMT released the shutdown-impact poll even as government reopened and stresses the need to keep pushing for permanent relief from Medicare extenders and advancement of key bills like Treatment in Place (TIP) 06:03 – Matt outlines the House and Senate TIP companion bills and why Medicare paying for treatment in place is better for patients, EMS, the health system and the Medicare trust fund 06:54 – Rob notes broad association/provider support and professional lobbyists on the Hill; Matt stresses that field providers, administrators and billers must still use association legislative portals to send letters to Congress 08:08 – Matt describes a surge in communities reevaluating their EMS delivery models because of staffing, finance and subsidy challenges — “a great time to be an EMS consultant” 09:09 – Rob introduces EMSIntel.org as a curated clearinghouse of EMS news, used to show communities they aren't alone; describes failed tax measures and funding referenda 10:15 – Matt cites EMS Intel data: ~85% of stories each month involve funding, staffing or response times; Rob and Matt stress the ubiquity of these themes from big cities to small towns 11:09 – Rob highlights mutual aid tensions and taxpayers questioning why they “pay to send our resources somewhere else;” both emphasize that hyper-turbulence and funding gaps are national issues 13:23 – Rob resets the scene from the EMSpire conference and recaps Matt's Hill update before introducing Dr. Shannon Gollnick 14:41 – Shannon gives his backstory: in EMS since 1996, paramedic since 2002, progression into EMS leadership, doctorate in organizational psychology and focus on how organizations function 15:14 – “We put the fun into function.” 15:24 – Rob invites Shannon to talk AI, calling it “the specter we are embracing everywhere,” and references HIPAA concerns; Shannon opens with the core message: AI is not the future, it's the present, and nothing to be afraid of 16:03 – Shannon urges leaders to build AI literacy, noting that if agencies aren't using it, their staff and the younger generation already are 16:28 – Shannon emphasizes policy and procedure: AI guardrails aren't coming from Congress or regulators, so agency leaders must define how AI will be used and where its limits are 16:55 – Rob reminds listeners that AI in EMS isn't new, citing early monitor rhythm interpretation in the UK; Shannon underscores that crews already use AI tools and that unmanaged cut-and-paste practices can create billing and compliance risks 17:24 – Shannon explains the dangers of using open tools like ChatGPT for ePCR narratives: potential PHI exposure in a “black box” system and AI hallucinations generating plausible but false patient information 18:21 – Shannon describes how AI “wants to answer your question and make you happy,” leading to made-up details, and shares examples from testing minimal-input scenarios that returned overly detailed, inaccurate narratives. 19:03 – Shannon calls ChatGPT “kind of a snitch,” explaining embedded code markers that fraud detection tools — and increasingly Medicare's AI-based “Wiser” program — can use to identify AI-written content in documentation 19:59 – Shannon warns about retrospective audits and compliance exposure if ChatGPT-coded narratives are found in ePCRs, noting that AI rules are still emerging and tech is outrunning regulation 20:51 – Rob summarizes the mixed message: AI is here and being built into devices and software, but there are real dangers. They discuss data going “to the cloud” — which Shannon defines as “somebody else's computer.” 21:24 – Shannon frames AI as a powerful tool that can “put a lot of holes in the wall” if misused; he references fraudulent AI uses and deepfakes as emerging issues 22:05 – Shannon compares AI's impact to the internet's paradigm shift; Rob gives a “spoiler alert” about his own workflow using transcripts and ChatGPT agents, and notes the importance of reading and checking any AI-generated output 22:45 – Shannon reinforces that AI makes mistakes and cannot understand human context; he uses his “How you doing?” Joey Tribbiani vs. Tony Soprano example to illustrate contextual nuance 23:06 – Rob expands the context point with the “Friends”/“Sopranos” slide and reminds listeners that once AI-written words are published, “you said it.” Shannon highlights the WebMD effect and AI-driven self-diagnosis risks. 24:02 – They note that ChatGPT can generate long, complex diagnoses without sufficient patient context, leading to errant or misleading outcomes if misused clinically 25:00 – Rob summarizes: AI is here and, used correctly, is a good thing; advises chiefs to ask their teams, “Do we have an AI policy?” 25:27 – Shannon outlines what an AI policy should contain: acknowledgment that AI is here; clear, non-fearful framing; specificity on what decisions AI can support; and clarity on which tools (e.g., embedded EPCR AI) are allowed versus prohibited uses of ChatGPT 26:17 – Shannon stresses AI should not be used for clinical decision-making or clinical narrative writing; its role should be administrative only, and all outputs must be double-checked Enjoying the show? Email editor@ems1.com to share feedback or suggest a guest for a future episode. 

Terry Savage, nationally syndicated money columnist, joins Lisa Dent to highlight ‘Giving Tuesday.’ She shares some advice to people experiencing higher Medicare premiums.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful question: Are you just building wealth, or are you building a life? They explore the concept of "Return on Life" — and how many successful, high-net-worth families struggle to shift from accumulation to enjoyment. Through real stories and actionable advice, they help you confront financial fear, lifestyle paralysis, and the emotional habits that could be holding you back from a meaningful retirement. Plus, the surprising move from Vanguard that could bring crypto into the mainstream, a snapshot of the Cincinnati housing market, and how to plan around Medicare’s IRMAA surcharges.See omnystudio.com/listener for privacy information.

     MEDICARE ADVANTAGE MINUTE:                                                                   Are Medicare Advantage's glory days over? Some think so!      YOUR MEDICARE BENEFITS 2025:                                                               Swing bed services How about some obesity drugs? Thanks to Trump, Medicare will cover weight loss medications for the first time in history.                                                           Obesity drugs will be covered for as little as $50. Inspired by: "MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Thank you Steven Rosenzweig, Laura

Toni's new Medicare Survival Guide Advanced Edition book is available now - pick up your copy at www.tonisays.com Download your Free Guide: How Do I Enroll in Medicare? https://tonisays.com/free-download-how-to-enroll/ Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null You can find Medicare Moments at: https://podcasts.seniorresource.com/medicare-moments/ Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

It's News Day Tuesday on the Majority Report On today's show: It's election day in Tennessee's 7th Congressional District, and if you live there, make sure you get out and vote for Aftyn Behn. Aftyn Behn highlights the contrast between her public, open-to-all campaign events and those of her opponent, Matt Van Epps, who has been hosting gatherings behind locked gates at his mansion. Donald Trump calls into a rally with a last-minute pitch for Matt Van Epps, claiming that Behn "hates Christianity." Aftyn appears on NewsNation to make her final case, pledging to protect Medicaid, Medicare, and ACA subsidies, and to fight the affordability crisis facing her district. Jasper Nathaniel, publisher of Infinite Jaz on Substack joins Sam and Emma to provide an update on his return from reporting in the West Bank. In the Fun Half: Pete Hegseth is passing the buck over to his Rear Admiral as he denies ordering the strikes even though he said on Fox News in September that he was watching the strike live as it went down. Chris Murphy believes that at the very least Pete Hegseth committed a war crime but more likely he just committed plain, old murder. JP Morgan CEO Jamie Dimon says that they are not interested in contributing to the White House ballroom over concerns of how the next DOJ will feel about the pay-to-play behavior in the Trump administration. Trump went on a manic posting spree on Truth Social late last night. Posing hundreds of times over the course of two hours. As a result of Trump's late night scrolling he is left exhausted and falling asleep at a meeting. During the meeting he woke up to declare affordability a "democrat scam" On Democracy Now, Spencer Akerman makes the point that the Afghani shooter was turned into a child soldier by the CIA when he was 14. In discussion of the murder of the National Guard, the PBD crew continue their mission of finding the dumbest possible take on any issue. Andrew Cuomo complains that Curtis Sliwa cost him the election despite the fact that Zohran won over 50% of the vote. All that and more. The Congress switchboard number is (202) 224-3121. You can use this number to connect with either the U.S. Senate or the House of Representatives. Follow us on TikTok here: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here: https://www.twitch.tv/themajorityreport Find our Rumble stream here: https://rumble.com/user/majorityreport Check out our alt YouTube channel here: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase Check out today's sponsors: DELETEME: Get 20% off your DeleteMe plan when you go to joindeleteme.com/MAJORITY and use promo code MAJORITY at checkout. GIVEWELL: Go to GIVEWELL.ORG, pick PODCAST and enter The Majority Report with Sam Seder at checkout. AURA: Exclusive $35 off Carver Mat at https://on.auraframes.com/MAJORITY. Promo Code MAJORITY SUNSET LAKE: Use coupon code "Left Is Best" (all one word) for 20% off of your entire order at SunsetLakeCBD.com  Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech On Instagram: @MrBryanVokey Check out Matt's show, Left Reckoning, on YouTube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com  

There's been a lot of serious chatter about immigrants in the United States of America recently. Who's hurting our country and who's helping it? Who should stay and who should go? Our intrepid host, Mike Slater talks about all of this and more!Before that, however, Slater gabs with Dr. Mehmet Oz, Administrator for the Centers for Medicare & Medicaid Services, about what's been happening with healthcare in our great nation. Don't miss this informative and entertaining interview! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week on Red, White & Bruised: Tennessee's 7th District special election is somehow competitive in a Trump +22 district, and it's all thanks to Aftyn Behn, a progressive state rep who won't apologize for hating bachelorette parties or fighting corporate tax dodgers. We break down why her campaign is the blueprint Democrats need and why Republicans are in full panic mode.Then: Defense Secretary Pete Hegseth allegedly ordered the military to "kill everybody" on a suspected drug boat, leading to a second strike on survivors—which is, you know, a war crime. Robin dissects the messy timeline, the conflicting White House stories, and why this scandal is just getting started.Plus: Luigi Mangione is back in court fighting to suppress evidence in the UnitedHealthcare CEO murder case, and his legal battle is revealing uncomfortable truths about America's broken healthcare system and why so many people can't condemn a murder without adding "but I understand why." And finally: Trump's revenge prosecution of James Comey spectacularly collapses after a federal judge rules the prosecutor's appointment was unconstitutional. Schadenfreude at its finest. Grab your coffee (or wine) and let's go.----------------Keywords: Aftyn Behn, Tennessee special election, 7th Congressional District, Pete Hegseth, war crimes, double-tap strikes, Caribbean strikes, Luigi Mangione, UnitedHealthcare CEO, Brian Thompson, James Comey, Trump administration, political revenge, DOJ indictment, progressive politics, left-leaning podcast, economic populism, healthcare reform, Medicare for All, corporate taxes, Nashville politics, constitutional law, Pam Bondi, political persecution, military law, Geneva Conventions, illegal orders, drug interdiction, weaponized DOJ, Matt Van Epps, Lindsey Halligan, Mark Kelly, Letitia James, Kash Patel, insurance industry, CEO murder, activist candidate, constitutional crisis, political commentary, snarky politics, political analysis, 2025 politics, Red White and Bruised, progressive podcast, Trump revenge, Democratic strategy, special election, Tennessee politicsBecome a supporter of this podcast: https://www.spreaker.com/podcast/we-saw-the-devil-a-true-crime-podcast--4433638/support.Website: http://www.wesawthedevil.comPatreon: http://www.patreon.com/wesawthedevilDiscord: https://discord.gg/X2qYXdB4Twitter: http://www.twitter.com/WeSawtheDevilInstagram: http://www.instagram.com/wesawthedevilpodcast.

McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion "lag" and when it DOESN'T make sense to convert, today on Your Money, Your Wealth® podcast 558. Plus, Wine Guy and Gal in Northern California want a spitball on whether they should protect their ACA subsidies or keep converting to Roth before Medicare kicks in. Then it's the classic question for Robert in Napa, Luke and Lorelai in Indiana, and Phil and Claire in California: should they save for retirement in their traditional, pre-tax, tax-deferred accounts, or their post-tax, tax-free Roth accounts? Different needs and situations, same big question: which strategy gives you the smarter tax outcome? Free Financial Resources in This Episode: https://bit.ly/ymyw-558 (full show notes & episode transcript) Top 10 Tax Tips Guide - limited time special offer, download yours before Friday, Dec 5, 2025! Ultimate Guide to Roth IRAs - free download 2025 Key Financial Data Guide - free download 10 Tax-Cutting Moves to Make Now - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This week on the YMYW Podcast 00:57 - Should High Earners Do Roth Conversions in the 37 Percent Bracket? (McDreamy Dempsey) 06:50 - The Hidden Roth Conversion Lag: When Conversions Don't Actually Pay Off (Gary, LaCrosse, WI) 18:03 - Should You Prioritize the ACA Subsidy Cliff or Roth Conversions Before Medicare? (Wine Guy & Gal, No CA) 26:27 - Traditional vs Roth Contributions: What's Better When You Make $400K? (Robert, Napa) 33:09 - Roth or Traditional Contributions? Save More or Coast After Debt Payoff? (Luke & Lorelai, Indiana) 42:13 - Roth or Traditional at Age 48: Which Strategy Makes More Sense? (Phil & Claire, CA) 49:19 - Outro: Next Week on the YMYW Podcast

What if the rising cost of health insurance isn't your only option and you could save hundreds every month with an alternative? In this powerful and timely episode, nine-time Emmy winner David Sams sits down with longtime friend of KeepTheFaith, Marq James, Chief Marketing Officer of Medi-Share—the Christian healthcare-sharing community that's been helping families cover their medical costs for more than 30 years. With the rising cost of health insurance dominating headlines, Marq breaks down why so many Americans are anxious, confused, and overwhelmed—and how the Medi-Share community is offering a Christ-centered alternative that can save families hundreds of dollars a month. He explains the difference between traditional insurance and healthcare sharing, how members support one another in prayer and financial burdens, and why thousands of people (including those 65+ on Medicare) are switching. Marq also opens up about his deeply personal battle with long COVID—how it affected his mind, memory, and identity, and how God used that season to reshape his heart, deepen his faith, and restore his calling to "be light" in a world craving hope and clarity. From the power of prayer to the reality of rising medical costs, this conversation brings wisdom, encouragement, and practical options for anyone struggling with today's healthcare landscape. Episode Highlights: • Why healthcare costs are skyrocketing—and what families can actually do about it • How Medi-Share's Christ-centered model works (and how it's different from insurance) • What Medi-Share offers for people 65+ on Medicare • The early-church inspiration behind healthcare sharing • Marq's raw and inspiring journey through long COVID • A closing prayer for anyone feeling anxious or overwhelmed CALL 833-32BIBLE AND GET A QUOTE TODAY! Or visit medishare.com/keepthefaith CALL BEFORE DECEMBER 15 AND GET $100 APPLICATION FEE WAIVED! #ContagiousInfluencers, #Podcast, #ChristianPodcast, #FaithBased, #MediShare, #HealthcareSharing, #ChristianCommunity, #KeepTheFaith, #MedicalCosts, #HealthcareAlternatives, #ChristianInspiration, #FaithAndHealth, #HopeAndHealing, #LongCovidStory, #EncouragementPodcast, #DavidSams

Health insurance and Medicare often feel like a black box, especially for retirees, entrepreneurs, and anyone facing a major life transition. In this episode, Travis Maus (CEO of S.E.E.D. Planning Group) welcomes Cole Craven, founder and Head of Growth at Move Health, to shine a light on the complexities of healthcare coverage and empower listeners with practical, actionable knowledge. Whether you're planning for retirement, launching a business, or simply trying to make sense of your options, this conversation breaks down common myths, uncovers industry realities, and offers insights to help you make informed decisions about your health coverage. Cole shares his personal journey into the healthcare space, the founding story of Move Health, and why education is the key to overcoming uncertainty and fear around health insurance. Listeners will learn how Move Health helps advisors and clients navigate the maze of coverage options, why understanding your unique health and financial situation matters, and how to avoid common pitfalls, like choosing plans based solely on price or following advice that isn't tailored to your needs. Key Takeaways: Why health insurance is a top concern for retirees and entrepreneurs The importance of education and healthcare literacy How Move Health empowers advisors and clients with real data and objective advice The difference between Medicare Advantage and Medicare Supplement plans Why working with a trusted, objective partner is crucial Call to Action: Don't let health insurance be a source of stress or confusion. Seek out education, ask questions, and make sure you're working with someone who puts your best interests first. If you're unsure about your coverage, get informed and don't be afraid to ask for help.

 KEY TAKEAWAYSHospice isn't a crisis response—it's a planned, values-based care transition.Patients are guided into hospice through ongoing conversations with their care team, not sudden decisions.Your Health's model is uniquely team-based.Clinical teams—NPs, nurses, social workers, CHWs, SSAs—collaborate long before a hospice referral happens.Eligibility is defined by Medicare, but the experience is defined by the patient.Patients choose what services they want: chaplaincy, volunteers, home aides, social work, and moreFamily support is a major part of the program.Hospice helps families avoid panic, emergency room visits, and uncertainty by educating them and offering 24/7 resources.Non-clinical roles are essential.Volunteers, chaplains, and social workers play major roles in emotional, logistical, and spiritual support.Respite care is a game-changer for caregiver burnout.Five-day facility stays covered under the hospice benefit help families regroup, rest, and sustain caregiving.Your Health provides continuity “from pediatrics to end of life.”The organization's ecosystem lets patients receive personalized care at every stage of their life journey. www.YourHealth.Org

Healthcare planning is a huge part of getting ready for your retirement. In this episode, I tackle one of the most pressing updates for retirees: the latest changes to Medicare premiums for 2026, including important surcharges, deductibles, and strategies to help you manage your healthcare expenses.  I'm helping you understand the significant increases in Medicare Part B premiums and deductibles, the impact these changes will have on your Social Security benefits, and why waiting to claim Social Security might pay off. Listen in to get helpful strategies for appealing IRMAA surcharges and practical tips for structuring your income to minimize additional Medicare costs. If you're planning for retirement or already navigating Medicare, this episode is packed with timely advice to help you make informed decisions about your healthcare and finances. You will want to hear this episode if you are interested in... [00:00] 2026 Medicare vs. Social Security. [02:23] Part B Medicare surprise announced. [04:08] Social Security timing and medicare basics. [10:07] Appealing the Medicare IRMAA surcharge. [12:13] Avoid IRMAA by keeping an eye on your retirement income. [14:08] Key Medicare changes for 2026. Medicare Part B Premiums Are Increasing in 2026 The standard monthly premium will jump to $202.90 per individual, a striking 9.7% rise from the 2025 rate of $185. This marks the largest increase since 2022, signaling that healthcare costs for retirees continue to climb at rates surpassing even Social Security's cost of living adjustment, which will be 2.8% for 2026. For retirees collecting Social Security, Part B premiums are automatically deducted from their benefits, while those not yet collecting must pay separately, typically on a quarterly basis. It's possible for individuals with lower Social Security benefits to see the entire annual cost-of-living increase consumed, and even exceeded, by higher Medicare premiums. Understanding Medicare's Two Parts: A and B It's important to understand Medicare's original coverage: Part A and Part B. Part A (Hospital Insurance): Most retirees won't pay a premium for Part A if they (or a spouse) have worked at least 10 years in the U.S. Those with fewer qualifying quarters face monthly premiums of either $311 or $565, depending on how long they've paid in. The Part A deductible will also rise to $1,736 in 2026. Part B (Medical Insurance): Covers preventive care, with the standard premium set at $202.90 and a deductible of $283 for 2026 (about a 10% increase from 2025). IRMAA: Income-Related Monthly Adjustment Amounts & Surcharges Higher-income retirees may be subject to IRMAA, leading to additional surcharges on Part B premiums. This is determined by your modified adjusted gross income (MAGI) from two years prior (2024 for the 2026 premiums). The IRMAA threshold for single filers is $109,000 and $218,000 for joint filers, with surcharges starting at $284.10 per person and escalating through higher brackets, potentially doubling your premium if you cross certain income thresholds. Medicare will send IRMAA notifications, but an appeal process is available. If your income drops due to retirement or other qualifying life events, you can use SSA Form 44 to appeal unwanted surcharges. Reasons might include a work stoppage, divorce, loss of a pension, or the death of a spouse. Strategic Planning for Retirees How can retirees manage these costs and avoid sudden surcharge surprises? Ryan Morrissey  provides practical guidance: Delay Social Security: Waiting until full retirement age or later can mean higher monthly benefits and greater long-term cost-of-living increases. Monitor Your Income: Large IRA withdrawals, significant capital gains, or property sales can raise your MAGI and push you into higher IRMAA brackets. Appeal When Justified: Act quickly if you're eligible for an IRMAA appeal, as processing can take time and surcharges last 12 months before adjusting. Retirees should work closely with financial advisors to manage income distributions and plan for healthcare expenses as part of their broader retirement strategy. With healthcare costs rising faster than Social Security increases, retirees must stay vigilant. Whether you're newly eligible for Medicare or well into your retirement journey, understanding these changes is super important. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Medicare.gov Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Tune in for a conversation with elder care advocate Linda Beck about navigating the complexities of ever-changing Medicare benefits and how to address changes in behavior and wellness of our elders during the holidays. When is it time to step in, make suggestions or ask for help?Be part of the discussion live Tuesdays from 2-3pm on KCBX

Menopause does not wait until you feel “old,” and it does not only live in your hot flashes. In this episode, I sit down with Dr. Lauren Streicher, one of the leading experts in menopause and sexual medicine, to talk about sexless relationships, painful penetration, and why so many women suffer in silence when solutions exist.We break down what really happens to your hormones, blood flow, muscles, nerves, and brain during perimenopause and postmenopause and how all of that shows up in your sex life. Dr. Streicher explains why painful sex is never something you should push through, why lubricants on their own rarely fix the problem, and why local vaginal estrogen is one of the safest and most misunderstood treatments in midlife.We also talk about access to care. Who helps you when your doctor shrugs, you live outside a big city, you are on Medicare, or you survived cancer and nobody ever mentioned sex in your follow up. Dr. Streicher shares what a real sexual medicine consult looks like, why pelvic floor physical therapy often changes both back pain and bedroom pain, and why there is no expiration date on your vagina, even after years of a dry spell.If you are in a sexless relationship, scared of hormones, or confused about where to start, this episode will give you language, options, and hope, plus a roadmap to Dr. Streicher's new deep dive audio course, “Come Again,” for women and professionals who want real data, not fear.In This Episode:00:00 – Welcome and show intro.00:32 – Why sexless relationships link to menopause.02:10 – Menopause is not an “old woman's” issue.04:20 – Sexual problems that start before menopause.06:30 – What a normal sexual response needs.09:25 – How estrogen loss affects sex and desire.12:40 – What happens in a sexual medicine consult.15:20 – Why doctors rarely refer to sexual medicine clinics.18:05 – Telehealth for menopause and its limits.21:30 – Why menopause never fully “ends.”25:05 – Painful sex and the need for accurate diagnosis.29:10 – Vaginal estrogen use, placement, and safety.33:15 – Partners, pain, and the “use it or lose it” myth.36:40 – Pelvic floor pain, SSRIs, and low libido.38:40 – Wrap up and closing message.Want a deeper look? Watch the full episode on YouTube for a more visual experience of today's discussion. This episode is best enjoyed on video—don't miss out!Karen Bigman, a Sexual Health Alliance Certified Sex Educator, Life, and Menopause Coach, tackles the often-taboo subject of sexuality with a straightforward and candid approach. We explore the intricacies of sex during perimenopause, post-menopause, and andropause, offering insights and support for all those experiencing these transformative phases.This podcast is not intended to give medical advice. Karen Bigman is not a medical professional. For any medical questions or issues, please visit your licensed medical provider.Looking for some fresh perspective on sex in midlife? You can find me here:Email: karen@taboototruth.comWebsite: https://www.taboototruth.com/Instagram: https://www.instagram.com/taboototruthYouTube: https://www.youtube.com/@taboototruthpodcastAbout the Guest:Lauren...

Join the conversation with C4 & Bryan Nehman. Bryan is back!!.  C4 & Bryan started the show this morning talking about the "double tap" boat strike that occurred back in September. Baltimore County Inspector General Kelly Madigan has resigned.  She also joined C4 & Bryan in studio this morning to talk about it.  Dr. Oz joined the show to discuss Medicare, Medicaid & more.  It's finally here, rivalry week when the Steelers take on the Ravens for the top spot in the AFC North.  Rod Woodson joined the show for a preview as well as a recap of the loss on Thanksgiving night.  Listen to C4 & Bryan Nehman live weekdays from 5:30 to 10am on WBAL News Radio 1090, FM 101.5 & the WBAL Radio App!

Might this be the last of the special elections in Georgia this year? No, there's another on the 9th (ranked choice would eliminate this silliness). Still, a tight Tennessee Congressional special election could signal shifting political winds. Nick Alex, a Democrat running in Georgia's gerrymandered 9th District, joined the show today. What happens in Tennessee today could be a bellwether for his campaign, centered on affordability, rural health care, and persuading voters who feel left behind by their own party. Then there are the mounting concerns around Pete Hegseth seemingly finding war crimes without a war. Allegations of an unlawful second strike on a drug boat — a story with a Georgia twist: did Admiral Alvin Holsey, a Morehouse grad and Georgia native, resign because of this strike? The alignment is uncanny. Bipartisan sharks are circling, Pete. At today's Cabinet knob-slob, VP JD Vance went off on the Biden presidency - granted rent-free space in this administration's head, apparently, on affordability issues that pre-date Biden, like housing costs (hint: it isn't undocumented immigrants, couch canoodler) to "green new deal" investment hurting agri-business (because climate change hasn't?).The Cato Institute's Adam Michel - Director of Tax Policy Studies - joined to parse out who really wins with Trump's new “baby accounts,” and CBS News' Michael Wallace gave seniors a last-minute reminder as Medicare enrollment nears its deadline.OH, it's Giving Tuesday: consider Lost-N-Found Youth, please and thanks!Tune in to catch the Ron Show weekdays from 4-6pm Eastern time on Georgia NOW! Grab the app or listen online at heargeorgianow.com.#NickAlex #MichaelWallace #DrOz #TrumpAccounts #MedicareEnrollment #GeorgiaPolitics #TennesseeElection #WarCrimeInquiry #HearGeorgiaNow #TheRonShow

Thinking about claiming Social Security while still working—or wondering if part-time work before retirement makes financial sense?   Welcome back to The Market Moment! In today's episode, Matt, John, and Isaac break down two of the most common questions we hear from pre-retirees: 1️⃣ Can you work while receiving Social Security benefits? ✔️ How earned income affects Social Security before Full Retirement Age (FRA) ✔️ The 2024 earnings limits and how benefit reductions really work ✔️ How benefit reduction differs from Social Security taxation ✔️ What changes once you reach your full retirement age ✔️ Why turning Social Security on early can permanently reduce your monthly check If you're unsure whether to start Social Security at 62, 63, or wait until 67–70, this conversation helps you understand the real math behind the decision.   2️⃣ Should you work part-time before fully retiring? ✔️ Bridging the gap to Medicare (especially ages 62–65) ✔️ Reducing withdrawals from retirement accounts ✔️ Delaying Social Security for a larger lifetime benefit ✔️ The psychological challenges of quitting work “cold turkey” ✔️ Real client examples of transitioning into low-stress, enjoyable part-time work  

Paul Anka dishes on Sinatra's manhood, Kim Kardashian's empty brain, Luigi Mangione returns, DJ Khaled's eating habits, Me-me-Meghan's Holiday Special, and sleepless Matt Riley joins us to talk Killer Cares. Matt Riley drops by to promote Killer Cares at The Lodge in Keego Harbor this Friday. Come join us to support a good cause (our shift is at 9pm -10pm) Can't make it? Donate right here. Sports: Pat Fitzgerald is to be announced at MSU tomorrow. Ole Miss fans sent Lane Kiffin off in respectable fashion. Michigan basketball is up to #3 in the AP poll. The Detroit Lions face off against the Dallas Cowboys Thursday night. Diego Pavia's brother, Javier, was arrested again at the latest Vanderbilt game. Kim Kardashian low brain activity confirmed by a doctor. The family is too dumb to have a sitcom. Meghan Markle has a Christmas Special coming out this season. We'll hate-watch it for you. Portland, Oregon hates Christmas. Ellen and Portia de Rossi are returning to the United States after fleeing from Donald Trump. Spoiler Alert: He's still the president. Amy Schumer looks better yet still ridiculous. DJ Khaled is living a better life than you... and his cholesteral must be through the roof.  A Diddy documentary is on its way to Netflix. He's loving the prison life these days. You can bet on ANYTHING through Polymarket. Carmen Thomas is looking to make millions off 23andMe. Paul Anka confirms Frank Sinatra's massive hog. Sinatra nailed plenty of women. Crime: Luigi Mangione was back in court today trying to skate on certain evidence. Camp Luigi is getting out of hand. Bryan Kohberger remains a whiny little bitch in prison. Nobody remembers Brian Thompson. Virginia High School football coach Travis Turner is still a fugitive but his football team keeps rolling. Drew vs Medicare. Jeff Pearlman is working on a book about Tupac Shakur. 2Pac is so gay now. Francis Ford Coppola lost his ass on Megalopolis and Drew can't wait to see it. FFC is selling watches now to make up for losses. Lauren Sanchez is on GMA showing off Jeff Bezos' money. Don't forget to grab your Drew Lane Show merch right here! If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon).

Cecilia discusses fighting for a Dexcom immediately after her daughter's diagnosis and using podcast education to achieve a 5.4 A1C despite limited medical guidance. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  twiist AID System Free Juicebox Community (non Facebook) Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Type 1 Diabetes Pro Tips - THE PODCAST Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * Omnipod Wilmot E, et al. Presented at: ATTD; March 19-22, 2025; Amsterdam, NL. A 13-week randomized, parallel-group clinical trial conducted among 188 participants (age 4-70) with type 1 diabetes in France, Belgium, and the U.K., comparing the safety and effectiveness of the Omnipod 5 System versus multiple daily injections with CGM. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan. 

In this episode of the I Love Neuro podcast host Erin Gallardo, PT, DPT, NCS talks to Christian Leonakis, PT, DPT, Alanna Wathen, PT, DPT, and Danielle Parmenter, MOT, OTR/L, SCLV about Myomo and the MyoPro upper extremity myoelectric orthosis.  The world of neurological rehabilitation, innovation continues to push the boundaries of what's possible for patients recovering from stroke, traumatic brain injury, and other neurological conditions. Enter Myomo, a groundbreaking myoelectric orthosis that's changing lives one arm movement at a time. This isn't just another medical device—it's a personalized technology that acts like a "helping hand" for individuals struggling with upper extremity mobility. Weighing approximately three and a half pounds, the Myomo device uses advanced EMG sensors to amplify even the smallest voluntary muscle contractions, allowing patients to regain functional movement. What sets Myomo apart is its commitment to patient-centered care. The device isn't a one-size-fits-all solution but a custom-fitted orthosis that patients take home after approximately 10 weeks of specialized training. Designed to look almost like something out of a sci-fi movie—think Iron Man's arm technology—the device comes in customizable colors and helps patients perform everyday tasks like opening doors, carrying groceries, or even walking their dog. The team behind Myomo, including clinical experts like Christian Leonakis, Alanna Wathen, and Danielle Parmenter, are passionate rehabilitation professionals who understand that recovery is a complex journey. They emphasize that while the device can be transformative, patients need realistic expectations: some might see compensatory improvements, while rare cases might experience significant neurological recovery. With Medicare coverage now available and ongoing technological developments promised for 2026, Myomo represents more than just a medical device—it's a beacon of hope for those seeking to reclaim independence and functionality after neurological challenges. For clinicians and patients interested in learning more, Myomo's website offers comprehensive resources and screening processes to determine individual suitability for this innovative technology. https://myomo.com/ LinkedIn.com/in/alanna-wathen linkedin.com/in/danielle-parmenter

We talk with hundreds of individuals and families every year, and many of the questions they ask come back to one core concern. Can my retirement plan really survive the messy, unpredictable situations that happen in real life. Instead of only looking at straight line projections or average returns, Chad and Allison walk through how to "stress test" your plan with real world what if scenarios so you can build confidence before a crisis hits.  In this episode, you will hear three of the biggest what if questions clients have been asking over the past year. What happens if there is a major market crash right as you retire? What if you retire earlier than expected, either by choice or by force? What if there is a major health shock for you or your spouse? Rather than focusing on doom and gloom, the goal is to rehearse these situations on paper so that when life happens, you already have a plan for how to respond. We also share a simple three-step framework you can use to run your own retirement stress test at home. You will learn how to identify the what-ifs that matter most to you, estimate their impact on your spending and timeline, and choose proactive moves that make your plan more resilient. Along the way, they discuss sequence of returns risk, health insurance bridges before Medicare, using taxable brokerage accounts strategically, and how to think about funding future healthcare needs without overpaying for insurance you may not need. Outline of This Episode [00:00] Retirement stress testing. [04:50] Key questions to ask about a 25 to 50 percent portfolio decline, spending flexibility, and your safety bucket. [09:20] Transition to scenario two, early retirement before age 65 and why health insurance is such a critical factor. [13:30] Cash in the bank versus long term growth. [17:20] Healthcare shocks and long term care needs that can show up later in retirement. [21:00] How HSAs, disability insurance, and understanding your deductibles and out of pocket maximums fit into the picture. ***********

In this week's episode of High on Home Grown, we break down some of the most eyebrow-raising headlines from across the scene: Macky opens with a strange one from the skies. Two complete strangers from Birmingham arrested and jailed for the exact same offence on a Thailand flight. He also digs into a new WBUR study claiming there are “few medical benefits” for pain, anxiety, or insomnia.  Billy brings updates from Austria, where CBD flower rules are shifting yet again. These changes could shake up the whole European marketplace, and we break down what it means for consumers and small producers. Margaret covers a mysterious vomiting condition that's just been given an official WHO code after a spike in ER cases. A reminder that regulators and researchers are still scrambling to understand a condition many people have been talking about for years. John wraps things up with a major policy move in the US: a federal health agency preparing to allow CBD coverage under Medicare, boosted by a video posted by Donald Trump. If this goes through, it could shift how millions of Americans access plant-based wellness products. Another packed episode full of global updates, policy turns, and research headlines worth reading between the lines.

Tariffs are dominating headlines — but what do they really mean for taxes, Washington, and your clients' retirement plans?In this episode of The Complete Advisor, Dennis Mattern sits down with Becky Swansburg, CEO of Stonewood Financial and Washington insider, to break down the truth: tariffs won't fix America's tax problems, and demographic pressures—not politics—are driving the future of taxation.Becky explains how tariffs actually function, why they rarely offset income taxes, and why rising legislative risk is one of the most overlooked threats to retirement planning today. She also reveals why NOW is a rare low-tax window for conversions and tax repositioning—and how savvy advisors can help clients regain control before the next wave of tax changes hits.If you serve retirees or pre-retirees, this is an episode you can't afford to skip.✅ Top 3 Takeaways for Advisors1. Demographics—not politics—are driving America's revenue crisis, meaning tariffs won't prevent future tax increases.2. Taxes must be treated as a “risk class” in every plan, equal to market risk and income risk.3. Advisors have a short window right now—thanks to OBA tax brackets and current legislative structure—to reposition assets and protect clients from future tax hikes.

Medical necessity sits at the intersection of clinical judgment, coverage policy, and payer scrutiny, and in this episode Stuart Newsome, VP of RCM Insights, unpacks what it really means. Joined by Viveka Jagadeesan (Enablement Manager), Lindsey Nelson (Director of Product Marketing), Christina Harkins (Senior Revenue Cycle Manager), and Angie Adams (VP Clinical & Patient Engagement), the group explores Medicare error data, CERT audits, recoupment risk, NCD vs. LCD nuances, and how AI-driven policy intelligence can support medical necessity on both the front and back end of the revenue cycle.

If you're a Life Insurance Agent or Final Expense Agent looking to grow your income, expand your opportunity, and build LONG-TERM renewals… this interview is for you.Today I'm sitting down with Chris Smith from Loyal Insurance Group, one of the sharpest guys in the Medicare space. Chris breaks down EXACTLY why so many life insurance agents should be transitioning into Medicare… and how you can start doing it today even if you've never quoted a Medicare plan before.

Discover how you can join the course today!:https://sevenfigurecrm.com/how-to-find-and-purchase-books-of-businessesOn this episode of the Seven Figures or Bust podcast, we break down the events every Medicare agent should have on their radar for 2026. From can't-miss industry conferences to high-ROI networking opportunities, we cover where to spend your time — and where not to. Tune in to get your 2026 event strategy locked in.

Serve your clients and stay CMS compliant. That's your priority as an insurance agent. Here at Ritter, we're happy to help! Check out this episode for a refresher on what you can't say during Medicare sales appointments and why. Read the text version  

Audio roundup of selected biopharma industry content from Scrip over the business week ended November 28, 2025. In this episode: 2027 Medicare price cuts likely not as large as CMS estimates; Zai Lab leads DLL3 lung cancer ADC race; Phase II failure for J&J's Alzheimer's asset posdinemab; Bayer's positive Phase III data for asundexian in stroke; and Pfizer/Astellas's Padcev's first big win in bladder cancer study. Story links: https://insights.citeline.com/scrip/podcasts/scrips-five-must-know-things/quick-listen-scrips-five-must-know-things-R4RCDF2RXVGVHPEX2WQ7A3JVKU/ This episode was produced with the help of AI text-to-voice and voice emulation tools. Playlist: soundcloud.com/citelinesounds/sets/scrips-five-must-know-things

Drs. Diana Mosquera and Patricia Fogarty Mack join Dr. Brooke Trainer to discuss Medicare's new alternative payment model, Transforming Episode of Care Model (TEAM). Learn what's driving the change, who will be impacted, how anesthesiologists can participate, and more. Recorded November 2025.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training AI is changing the agency landscape faster than most owners can keep up with. Tools are popping up daily, clients are asking if rates should drop, and your team is either fired up or freaked out. Today's featured guest talks about what it takes to build an agency that thrives in a world obsessed with shiny new tech, where the edge is not more tools. It is better leadership, human connection, and an incubator mindset that keeps them ahead without drowning in the noise. Michael Davern is the CEO of Incept, an AI-enhanced, digital-first agency that has been around for a decade. Today, his agency blends automation, machine learning, and human-centered strategy to help enterprise clients grow with clarity and smart execution. He is an early adopter who still believes the real edge is human connection and wants to encourage agency owners to really think about who should lead. In this episode, we'll discuss: AI-enhanced vs. AI-first: what actually creates agency value. Leading an agency through rapid AI change. Why human-first agencies win in the long run. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. Evolving from a Specific Niche to a Full Service Agency Before agency life, Michael spent years in corporate America and even longer in the music industry as an artist development rep. That career went up in flames when the label collapsed and no one got paid. After a brief return to corporate, he approached his now business partner with an idea to sell text message marketing, and suddenly he was an entrepreneur learning the agency game the hard way. Early on he chased small business clients with $49 starter packages and cheesy platinum tiers. Nobody wanted it. The market did not understand text marketing yet and the value was unclear. Everything changed when an enterprise vendor in the Medicare insurance space let them into their workflow. Overnight texting became a revenue driver. That win opened the door to more enterprise relationships and pushed them to expand far beyond their original niche. What started as a simple vendor relationship ballooned into a full service digital agency. With time, growth came from necessity and opportunity, not a master plan. Michael admits they were often too early to the game, but that curiosity and experimentation kept them alive long enough to get good. AI-Enhanced vs. AI-First: What Actually Creates Agency Value Plenty of agencies slap "AI-first" on their website. Michael prefers to say "AI-enhanced" since "AI-first" implies handing the keys to robots or machines. That is not what his agency does. Instead they use AI to enhance execution. They were early with automation, early with machine learning through the IBM Watson test program, and early with programmatic bidding when DSPs were still new. Those experiments shaped how they work today. Now, they use all this knowledge to save money, time, and drive better results for clients. Clients are not paying for prompts or tools. AI lets the team save time, move faster, and stay in the lab testing new options without drowning in busywork. In Michael's view, agencies are not competing on deliverables anymore. They are competing on thinking. Navigating the AI Gold Rush Without Losing Your Mind There is a tool for everything now and most of them promise the world and deliver nothing. Michael believes the real threat is not AI taking jobs. It is crappy tools cluttering decision making and distracting agency owners from what matters. To keep his team sharp, he sets an AI budget for every employee at his agency. Everyone is encouraged to experiment, explore, and bring ideas back to the incubator. On Fridays, they compare notes. What worked. What flopped. What needs more testing. That culture of curiosity is what keeps them out in front rather than scrambling to catch up. Leadership in the Age of Rapid Change Nineteen months ago, Michael made a call. The company was going all in on AI enhancement. He sat the team down and said, "This is where we are heading." If anyone was uncomfortable, they could talk privately or get help transitioning to a different job. Not one person left. Clarity breeds confidence. When owners waffle or delay, their team feels it. When owners point the ship and support the crew, people dig in. Michael's team embraced experimentation because they were given structure, purpose, and room to contribute. And because of that leadership, his agency now runs on flat rate pricing tied to outcomes. They killed the old hourly model and their clients love them for it. Human-First Agencies Always Win the Long Game When was the last time you met in person with any of your top five clients? That's the type of effort they'll remember. Michael's team meets every top client in person at least quarterly. Their average client lifetime is just under seven years, which is unheard of when the industry average is barely over a year. Real relationships create real retention. When you have shared a meal, a drink, and actual time together, you are not just a vendor. You are a partner. And partners do not get replaced by the next AI First agency trying to undercut your price. The real advantage for your agency will be transparency and the ability to provide a personalized service. AI will give you more time to work on strategy, but you still have to offer the best client experience you can. Ultimately, clients are paying for more brain and less execution, "and doesn't everyone want that?" Michael asks. Choosing the Right Clients and Protecting Your Sanity Another theme Michael returns to is knowing when to say no. Early on, every agency chases whales. The bigger the better. Then you land one and realize it might sink the whole boat. Maturity is learning to pass on the wrong fish or hand them off to someone who is better built for it. Agencies do not need hundreds of clients. They need the right fraction of the market that values what they do. When you protect your focus, your retention goes up and your stress goes down. Michael's agency grows steadily because they stack clients instead of scrambling to replace them. The only clients they lose are the ones who stop paying their bills. Building a Culture of Innovation Without Burning Out Agencies talk a big game about innovation, but most owners are stuck riding a bike with square wheels and they refuse to get off, Michael says. This is the trap most agency owners fall into. They are too busy to innovate, too stuck to delegate, and too overwhelmed to lead. For him, the answer is simple. Get off the bike. Set the direction, and build the space for experimentation, because the future is coming whether you want it or not. Who Should Lead AI Inside an Agency Who should lead experimentation when the owner is overwhelmed? Michael believes someone has to claim the role, plant a stake, and move. At his agency, he oversees the incubator, but several team members drive the work. Your lead developer will experiment with different tools than your creative director. Your strategist will explore different workflows than your media buyer. Give them a budget. Give them a purpose. Give them ownership. The biggest mistake is waiting for someone else to figure it out. Agencies that delay will be crushed by owners who are willing to get to work and figure this technology out. Follow your curiosity. For agency owners stepping into that role, Michael suggests absorbing everything you can and staying curious. And for those who are further down in the ladder but still want to lead experimentation with new technologies: speak up and volunteer. If you're in a culture where that experimentation is not embraced, then maybe it's time to leave. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.