Podcasts about Medicare

On this episode: What are the biggest advantages of using a financial advisor? The Roth is one of the best retirement planning vehicles. What if they change it? How long will your money last with a conservative approach? Like this episode? Hit that Follow button and never miss an episode!

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Today's Post - https://bahnsen.co/3FKivXl What Happens If We Do Nothing About National Debt? In this week's episode of Dividend Cafe, the host revisits the topic of national debt and explores what might happen if no actions are taken to address it. The discussion moves from hypothetical solutions proposed in a previous episode to real-life economic implications of inaction. With national debt at around $37 trillion, annual deficits continue to grow, adding to economic instability. David outlines various potential outcomes, including financial repression, higher taxes, recalibration of Social Security and Medicare benefits, and federal asset sales, emphasizing that painful solutions are inevitable. The episode stresses a decline in growth due to excessive governmental debt and advocates for an investment approach focused on quality amidst these challenges. 00:00 Introduction and Recap of Dave Land 01:38 The Reality of National Debt 03:34 Uncertainty and Economic Predictions 08:40 Potential Responses to National Debt 09:56 Financial Repression and Debt Monetization 11:31 Debt Default and Social Security Recalibration 13:36 Higher Taxes and Federal Asset Sales 17:20 Conclusion and Investment Philosophy Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

The key to unlocking Medicare and Social Security benefits for immigrants is gaining access to a Social Security number. 

This week's blogpost - https://bahnsen.co/4jYgcxO In this episode of the 'Thoughts On Money' podcast, co-host Blaine Carver and guest Darren Lightfoot delve into the intricacies of Roth conversions and the potential tax traps associated with them. Blaine shares personal anecdotes and explains why Roth conversions, despite their popularity, require careful consideration of several factors that go beyond simple tax bracket comparisons. They discuss how adjustments in adjusted gross income (AGI) and modified AGI (MAGI) can affect various aspects such as Social Security taxation, Medicare premiums, capital gains taxes, and eligibility for tax credits. Key insights are provided on navigating these hidden pitfalls and the importance of consulting with financial professionals for tailored advice. 00:00 Introduction and Host Welcome 00:38 Beach Story and Weather Analogy 02:50 Introduction to Roth Conversions 04:34 Detailed Tax Traps in Roth Conversions 08:18 Impact on Social Security and Medicare 12:12 Qualified Charitable Distributions (QCD) 14:50 Dividends, Capital Gains, and Tax Credits 18:20 Final Thoughts and Advice 24:01 Podcast Conclusion and Disclaimers Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

In hour 1, after an off day, the Marc Cox Morning Show is back! Marc and Scott discuss how their off days went, as well as giving us the top stories of the day in the Marc Cox Shortlist. We also hear our national anthem of the day! Concern over U.S. involvement continues to grow as President Trump approaches a decision. Should we get involved, or should we let them figure it out? In today's edition of Scott on the Spot, we wonder if grade schools are teaching the right things to students. Are schools, and public schools specifically, spending money in the right places? Comments from the chat raise questions as to where these school districts are that are over-spending. Charlie Kirk has a debate with a 14 year old freshman, and raises questions about the reasons why some young women choose to go to college. In hour 2, Marc discusses the reason he was off yesterday, and it was for Juneteenth which is a federal holiday. We also hear Marc's top stories in this edition of the shortlist! Janett Liriano, Venture-Backed founder with a political mindset and co-founder of INARU, joins to discuss the treasury releasing social security and Medicare Trustees Report. Florida is running out of space for illegals, so the attorney general proposed an idea to put one in an abandoned airport. It is being dubbed 'Alligator Alcatraz' due to it being surrounded by alligators and pythons. Nicole Murray, of This Morning with Gordon Deal, joins the show to discuss the markets, as well as worldwide, national and local news. In Other News, a lady goes crazy on an airplane for no apparent reason, and a British Airways flight attendant was dancing without clothes in the first class bathroom. In hour 3, There is no omelet bar here in the St. Louis like there is up in New England, and we also hear Marc's top stories of the day in the shortlist! Jim Carafano, Heritage Foundation national security and foreign policy, joins to discuss Trump's current strategy for Iran, and the latest comments from the president and his press secretary. Dr. Bob Onder, U.S. Congressman for Missouri's 3rd District, joins to discuss a new law approved in Tennessee by the Supreme Court. This states that transgender minors can not have surgery to transition to the opposite gender. In this edition of Scott on the Spot, Scott breaks down some controversial comments from Whoopi Goldberg on The View, as well as the loads of backlash she is facing, including some from Iranians. In hour 4, Marc has his top stories of the day with the shortlist! Marc also dives into some comments made by Charlie Kirk. Alexandria Hoff, Reporter for Fox News, joins the show to discuss Trump's timeline for Iran to call for a ceasefire, as well as for negotiations to begin in that time period. She also discusses why the polls are bad for Biden. Asaf Ramirowsky, PHD, a Middle East Scholar, the Executive Director of the Association for the Study of the Middle East and Africa (ASMEA) as well as the Executive Director of Scholars for Peace in the Middle East (SPME), joins the show to discuss the problems that Iran continues to cause around the world, and how people continue to go after Israel. Charlie Kirk follows the comments made by Harrison Butker by saying that there is nothing wrong with women wanting to go to college to find their husband.

Janett Liriano, Venture-Backed founder with a political mindset and co-founder of INARU, joins to discuss the treasury releasing social security and Medicare Trustees Report.

Marc discusses the reason he was off yesterday, and it was for Juneteenth which is a federal holiday. We also hear Marc's top stories in this edition of the shortlist! Janett Liriano, Venture-Backed founder with a political mindset and co-founder of INARU, joins to discuss the treasury releasing social security and Medicare Trustees Report. Florida is running out of space for illegals, so the attorney general proposed an idea to put one in an abandoned airport. It is being dubbed 'Alligator Alcatraz' due to it being surrounded by alligators and pythons. Nicole Murray, of This Morning with Gordon Deal, joins the show to discuss the markets, as well as worldwide, national and local news. In Other News, a lady goes crazy on an airplane for no apparent reason, and a British Airways flight attendant was dancing without clothes in the first class bathroom.

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

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

Sarah reflects on the insurance licensing process one year after passing the exam. Listen as she outlines her journey, how to get started, and what she learned along the way.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025 FMO vs. IMO vs. NMO vs. MGA vs. GA: What's the Difference? https://lnk.to/asg658 Making Your Own Luck ft. Michael Krantz: https://lnk.to/krantz2025 Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Summer 2025 Survival Guide: https://lnk.to/asgf20250606 What is AHIP Certification and How Do I Get It? https://lnk.to/asg672   References: “Insurance Departments by State.” Content.Naic.Org, NAIC, content.naic.org/state-insurance-departments. Accessed 10 June 2025. “Multiple Choice Test Taking Strategies.” Dmu.Edu, Des Moines University, www.dmu.edu/wp-content/uploads/MULTIPLE-CHOICE-TEST-TAKING-STRATEGIES.pdf. Accessed 10 June 2025. “NAIC - National Association of Insurance Commissioners.” Naic.Org, NAIC, content.naic.org/. Accessed 10 June 2025. “NIPR - National Insurance Producer Registry.” Nipr.Com, National Insurance Producer Registry, nipr.com/. Accessed 10 June 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.

A new report has found that high medical costs have caused almost two million Australians to delay or skip appointments with specialist doctors. The report from the Grattan Institute says some specialists in the private sector charge patients two to three times more than the rate Medicare sets for those services. The Institute suggests stripping public funding to doctors charging excessive fees could be part of the remedy. - Высокие медицинские расходы стали причиной того, что почти два миллиона австралийцев откладывают или пропускают приемы у врачей-специалистов. Такой вывод был сделан в недавнем отчете института Граттан. Согласно отчету, некоторые специалисты в частном секторе взимают с пациентов в два-три раза больше, чем устанавливает Medicare.

On this episode of The Ty Brady Way, Ty Brady is joined by Darin Knudsen to talk about his entrepreneurial journey and how he found success in the Medicare industry. Influenced by his father's emphasis on business ownership, Darin navigated various roles, including a church mission, college, sales jobs, and an initial physician staffing venture halted by a non-compete before fully committing to Medicare after discovering its potential through a tech tool he helped launch. Darin shares how he values time freedom and family and how striving to build a sustainable, residual-income business allowed him be present for his children's activities. He emphasizes that entrepreneurship is rarely straightforward but achievable with persistence and adaptability. They discuss the mindset needed to grow a career in Medicare, highlighting the importance of commitment and reinvesting earnings into marketing to achieve steady growth. Darin views early retirement as a choice rather than an endpoint and aims to create a legacy by balancing work with community impact. Moving forward, Darin shares how he plans to expand digital marketing to offset declining seminar attendance and build a lasting, client-focused business that supports family and community engagement.   As always, we would like to hear from you! Email us at thetybradyway@gmail.com Or DM us on Instagram @thetybradyway https://www.instagram.com/thetybradyway/

Accused of several despicable acts of malpractice, May has been a rough month for UnitedHealth Group. It is suffering a drop in stock value, reduced earnings projections and a loss of confidence.  One of the many accusations includes pressuring or bribing 2200 nursing homes to refuse the transfer of patients to hospitals, thereby saving the company many large claims. In the "Your Medicare Benefits 2025" segment, we learn how Medicare would cover kidney transplants. On a very serious subject, 11% of Medicare participants rely solely on original Medicare. This has the possibility of turning out to be a big mistake. Even if one has the deepest of deep pockets, neglecting to carry insurance to supplement Medicare Parts A & B can leave one in a position of being refused treatment for elective or non-emergency medical procedures. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

The Supreme Court is staying busy with decisions. The High Court issued a 6-3 ruling on Wednesday in United States v. Skrmetti, upholding a Tennessee law that banned gender-affirming care for transgender minors. Leah Litman joins us to unpack what affect the court's ruling will have on Tennessee and a slew of other states across the country. Litman is the author of the recent NYT Best Seller "LAWLESS: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, & Bad Vibes" and a host of Crooked Media's "Strict Scrutiny".And in headlines: Democrats refused to participate in a Senate Judiciary Committee hearing that looked into the mental fitness of former President Joe Biden, Medicare and Social Security's trust funds are running out of money, and President Trump is still deciding if the US will insert itself into the Israel-Iran conflict.Show Notes:Check out Leah's book – https://tinyurl.com/fz4yshmjCheck out Strict Scrutiny – https://www.crooked.com/podcast-series/strict-scrutiny/Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8What A Day – YouTube – https://www.youtube.com/@whatadaypodcastFollow us on Instagram – https://www.instagram.com/crookedmedia/For a transcript of this episode, please visit crooked.com/whataday

A series of conversations with Jordan Wagner, CDCES. In this episode, diabetes management in the hospital.  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 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! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. 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.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!

Maximize your lead flow with our high-quality, low-cost, call-verified insurance leads, now at 20% off: https://leadheroes.com/On this episode of the Seven Figures or Bust podcast, we're diving into powerful selling techniques that actually work—and getting fired up for the upcoming Summit! From real-world strategies to mindset shifts, this pre-Summit episode is packed with tips to help you close more deals and show up ready to win. Tune in for sales wisdom, motivation, and a sneak peek at what's coming!Gets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

Hello all,    I recently had cataract surgery in both eyes, and my eyes get tired if I look at the computer too long.  I need to take breaks while recovering. Instead of discussing shared and individual LTC annuities this week, I need to share an episode that was aired last summer. This will remind you how LTC annuities can help both protect your family if you need extended care and also eliminate all those gains on your non-IRA annuities you've been holding on to because you don't want to pay more in taxes.   LTC annuities have very few health questions and are more easily approved.   Schedule with me to learn how you can avoid sharing your annuity earnings with Uncle Sam.

Brian D. Pieninck didn't take a conventional path to healthcare leadership. He started his career as an 18-year-old IT contractor and spent two decades working across the industry before becoming President and CEO of CareFirst Blue Cross Blue Shield. He now also serves as Chair of the Blue Cross Blue Shield Association, bringing both local and national perspective to the role. In this episode, Keith Figlioli speaks with Pieninck about what it means to lead a not-for-profit regional payer at a time of seismic change. With 3.6 million members and coverage that spans commercial, Medicare, and Medicaid, CareFirst has become a vital part of healthcare access and infrastructure across the Mid-Atlantic. Pieninck reflects how demographic shifts, rising costs, and policy uncertainty are challenging how healthcare organizations evolve, while staying focused on long-term outcomes.  Pieninck and Keith discuss: Advancing health equity as part of the community. Pieninck sees CareFirst not just as a payer, but as part of the region's civic infrastructure, creating economic opportunities, delivering care through primary and urgent care locations, and supporting long-term health equity initiatives across Maryland, DC, and Northern Virginia. Medicaid coverage and its downstream impact. With nearly half of children in Maryland and DC relying on Medicaid, Pieninck warns that cuts or disruptions don't reduce the need for care; they push it into higher-cost, less coordinated settings like emergency departments. The balloon effect in healthcare financing. As costs are squeezed in one area, they inflate in another. Pieninck challenges the idea that market forces can realign care efficiently. He discusses how efforts to contain spending in one area often lead to inefficiencies elsewhere, and the system ends up paying more later because early, lower-cost interventions are underfunded or inaccessible.  Innovation that simplifies the system. Through CareFirst's innovation arm, Healthworx, Pieninick highlights the need to design a system that works for people by reducing complexity and embedding support directly into the healthcare experience. AI and infrastructure: opportunity meets readiness. With nearly three decades of experience on the technology side of healthcare, Pieninck is bullish on AI's potential—especially now that it's available at a price point that can scale. Real progress, he notes, will depend on thoughtful governance, better interoperability, and models built around human needs. This episode offers a look at how one regional plan is thinking through the tensions between access, affordability and innovation, and what that means for the broader system.  To hear Brian D. Pieninck and Keith discuss these challenges in depth, listen to this episode of Healthcare is Hard: A Podcast for Insiders. 

Thank you so much for listening to the Bob Harden Show, celebrating nearly 14 years broadcasting on the internet. On Thursday's show, we discuss the ill-conceived “artificial intelligence” exception to the Big Beautiful Bill with Co-Founder and CEO of the Florida Citizens Alliance Keith Flaugh. We visit with Cato Institute Director of Healthcare Policy Michael Cannon about the much-needed redesign of Medicare and Medicaid programs. We visit with Competitive Enterprise Institute Senior Economist Ryan Young about the Fed, jobs, wages and the financial peril of Social Security. We also visit with the former Mayor of Naples Bill Barnett. We have terrific guests scheduled for Friday's show including Senior Legal Fellow with the Pacific Legal Foundation William Yeatman, FEE.org's Producer Maggie Anders, Landmark legal Foundation Vice President Michael O'Neill, and Professor Larry Bell. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Retirement isn't just a financial transition, it's a complete lifestyle transformation. It marks the beginning of a new chapter that should be filled with purpose, connection, and well-being. In this episode, Mark draws inspiration from The Five People You Meet in Heaven to highlight the five essential people you should meet before you retire. These aren't just helpful contacts, they're the difference-makers who can profoundly shape your experience in retirement. Here's some of what we discuss in this episode:

Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits   - AZ TRT S06 EP10 (272) 6-15-2025              What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co's – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 Parts Network PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021   Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/   https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/   Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client's publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn't have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide.       Notes:   Ethos Benefits deals with employee benefits, with a primary focus on group health insurance   Per Donovan ‘Employee benefits are rigged'   Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits.   ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20%   Insurance Co's are working to expand their pool to make more profit   Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year   For a business, healthcare cost and employee benefits are a top 3 P&L expense   Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business   The HQ is in Florida, but they are a virtual office with agents and clients nationwide   Healthcare finance and delivery + Improving employee benefits     Seg 1   Donovan's bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service.   Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to.   Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna.   Health insurance employer group plans can be broken down into 4 Parts:   1.    TPA or third-party administrator 2.    Network PPO or HMO 3.    Pharmacy benefit RX 4.    Insurance that covers the caps the limits on the stop loss   PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals   Ethos Benefits helps employers to break up the four parts of a group plan and customize   Network PPO is what people typically think of when they think of health insurance.   Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare.     Seg 2   Pay more for healthcare in the U.S. than the rest of the world   The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing   Employers can actually pick up their own Pharma benefit and get the rebates that the big health insurance companies are not giving them   Healthcare system is a rigged game The fraud waste and abuse extremely high in health   401(k) and retirement benefit industry is actually tighter with more disclosure than the healthcare industry   Regulated better since the creation of the Securities Act in the 1930s and updates that ran through the 1970s and beyond with things like ERISA   There have been revisions to the healthcare act passed in 2021 - started in Jan.2022   Actions had 3 disclosures: ·         Brokers comp and bonus ·         Data with gag, clauses, and full access to data upon request ·         Benchmarking for drug cost     Further Notes via Google:   The revisions you are likely referring to are part of the Consolidated Appropriations Act of 2021 (CAA). While the CAA was passed in late 2020, many of its provisions, including those related to transparency in healthcare, became effective on January 1, 2022.  The three key areas of disclosure you mentioned are directly addressed within these regulations: 1.            Broker's Compensation and Bonuses: The CAA amends ERISA Section 408(b)(2) and requires service providers, including brokers, to disclose specific information to group health plan fiduciaries. 2.            Data Transparency (Gag Clauses and Full Access to Data): The CAA prohibits gag clauses, which prevent plans from providing access to their data. It also requires health insurance carriers to attest annually to their compliance with this prohibition. Moreover, the Health DATA Act, a proposed bill, would further reinforce the right of employers to access their data and hold service providers accountable for non-compliance. 3.            Benchmarking for Drug Costs: The CAA includes provisions regarding pharmacy benefit and drug cost reporting, which aims to provide greater transparency and potentially lead to better benchmarking of drug costs. The Build Back Better Act, a separate piece of legislation, also included provisions for Medicare to negotiate drug prices, further impacting drug costs and potential benchmarking.  These revisions aim to increase transparency in healthcare pricing and empower consumers and employers to make more informed decisions about their healthcare coverage.    Seg 3   Ethos works with Employers to create business plans usually with a 3 to 5 year time horizon. The goal is long-term to lower healthcare cost.   Example would be a company with 100 employees with 50 to 80% of them on the health plan (does not include dependents).   Ethos wants to keep the demands of a company low, easy transition.   Ethos handles employee Qs and healthcare navigation. Ethos is full service.   Risk handled 1 of 4 ways - Reduce, avoid, retain, transfer - Transfer to insurance   Broker wants to transfer risk Company can control costs Careful not to have too much disruption with a switch to a new company   Ex - start with pharmacy part NDC National Drug Code Run report vs costs   Pharmacy benefit mgr   Pre packaged health plan Gets co approved pharmacy benefit Save 5 - 15% on costs (30%)   Separate - parts of group plan     Seg 4   Brokers comp - incentives from big insurance companies   Opening move - edit pharmacy benefit piece   State by state - regulators and rules   Employers / employees Know the network and PPO   Nationwide covers insurance part – Stop-loss Insurance   30-40 major stop loss companies Ex: Allstate Met Life Sun Life   Stop-loss insurance for group health plans acts as a financial safety net for self-funded employers, protecting them from large, unpredictable medical claims. It is a form of additional insurance.   Healthcare risk is incredibly predictable on group basis   Overall predictable w stats, actuarial analysis   Gag clauses look at dataset from current carrier   Prescription database sets   3rd party admin are less of a concern, lots of claims   Average of 18 claims per employee per year, includes dependents   Data - review AI Claims analytics software   AI claims analytics software is transforming how insurance companies handle claims by leveraging artificial intelligence and machine learning to analyze data, automate tasks, and improve decision-making.    30 - 40% reduction in premium w Ethos     Further Notes via Google: Group Medical Plans Breakdown of the common components of a comprehensive employer group health plan, particularly within the context of a self-funded model.  Here's a more detailed explanation of each part: 1.            TPA (Third-Party Administrator): A TPA is a company that provides administrative services for self-funded health plans. This includes processing claims, handling enrollment, and managing other administrative tasks that would typically be done by an insurance company. 2.            Network (PPO or HMO): This refers to the group of doctors, hospitals, and other healthcare providers that the health plan contracts with to provide services to its members. The network defines where employees can go to receive care and often dictates the level of coverage they will receive (e.g., in-network vs. out-of-network benefits). ·                                             PPO (Preferred Provider Organization): Offers more flexibility, allowing members to see out-of-network providers, though with higher out-of-pocket costs. ·                                             HMO (Health Maintenance Organization): Typically requires members to stay within the network for covered services, except in emergencies.                 Pharmacy Benefit (RX): This component manages the prescription drug coverage for the plan. It includes negotiating drug prices, processing claims for prescriptions, and managing the plan's formulary (list of covered drugs).                 Stop-Loss Insurance: This is a crucial element for self-funded employers. It protects the employer from catastrophic claim costs. If an individual employee or the entire group's claims exceed a certain threshold (the "attachment point"), the stop-loss insurance kicks in to cover the excess costs, limiting the employer's financial liability.  Additional Considerations: ·                     Data Access: Self-funded plans often provide employers with greater access to claims data, which can be used to analyze healthcare costs, identify trends, and implement strategies to improve employee health and manage costs. ·                     Benchmarking: Employers can use claims data and industry benchmarks to compare their plan's performance to similar organizations and negotiate better rates with providers and other vendors. ·                     Wellness Programs: Some employers offer wellness programs to encourage employees to adopt healthy behaviors and potentially reduce healthcare costs. ·                     Essential Health Benefits (ACA Compliance): Group health plans must comply with the Affordable Care Act (ACA), which requires them to cover a list of essential health benefits, such as outpatient care, emergency services, hospitalization, and prescription drugs. ·                     Other Benefits: Group plans can also include other benefits, such as dental, vision, life insurance, and long- and short-term disability insurance.  Understanding these different parts is essential for employers to effectively manage their group health plan, control costs, and provide valuable benefits to their employees.      Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.  

SummaryIn this episode, the hosts discuss various pressing issues in healthcare, including the recent increase in CMS investigations into Medicare risk adjustment data, the challenges faced by providers in complying with insurance requests, and the implications of Medicaid eligibility changes. They also delve into the role of GLP-1 medications in weight loss and the importance of patient advocacy in navigating healthcare decisions. The conversation emphasizes the need for healthcare professionals to engage in meaningful dialogue with insurers and to advocate for their patients' needs.TakeawaysThe increase in CMS investigators for Medicare risk adjustment data is significant.Providers have the right to push back against unrealistic insurance requests.Medicaid is a state program designed for low-income individuals and specific groups.Work requirements for Medicaid eligibility are being proposed, affecting millions.GLP-1 medications are becoming popular for weight loss but come with high costs.Patients should advocate for themselves and ask questions about their treatment plans.Insurance companies often request excessive documentation, creating administrative burdens.The healthcare system is facing challenges with compliance and documentation accuracy.Understanding the implications of HCC coding is crucial for providers.The long-term effects of new medications are still largely unknown.

This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. ‘Catching Up to FI' co-host and author of ‘F.I.R.E for Dummies', Jackie Cummings Koski, CFP®, AFC®, continues through an easy to follow checklist of tax considerations in retirement. She demo-drives 72(t) and RMD calculators, live-shops the ACA site to score premium tax credits, and shows how Medicare surcharges work.  Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect)   This is the second part of a two-part series and part 1 aired last Wednesday. This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Doctor in America, pushing addictive pills, The arrest and prosecution. Special Episode. In the ongoing battle against America's opioid epidemic, few cases have rocked the justice system as hard as the arrest and prosecution of Dr. Stan Xuhui Li, one of the deadliest pill-pushing doctors in U.S. history. At the heart of this historic case was former New York County Assistant District Attorney Charlotte Bismuth, whose relentless pursuit of justice helped bring down a man who had been exploiting the medical profession for profit, at the cost of human lives. This episode of The Law Enforcement Talk Radio Show and Podcast now streaming on for free on their website, in addition to Apple Podcasts, Spotify, and most major social podcast platforms. “It wasn't just about illegal prescriptions,” said Bismuth. “This was about a doctor in America, pushing addictive pills for cash, fully aware his patients were dying.” The episode is also promoted across their Facebook , Instagram , LinkedIn , Medium and other platforms. The Start of a Historic Case In 2010, Bismuth, a young assistant district attorney, had just joined the Office of the Special Narcotics Prosecutor (OSNP) in New York City. That same year, a whistleblower's tip exposed suspicious activity at a Queens pain clinic run by Dr. S. Li. What followed was a sprawling investigation that would stretch over four years. Doctor in America, pushing addictive pills, The arrest and prosecution. Look for supporting stories about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin . Bismuth, alongside a Senior Investigator and another Special Assistant DA, worked tirelessly to trace the damage caused by Li's clinic. According to investigators, Dr. Li was seeing over 70 patients a day, mostly on Saturdays, and trading prescriptions for cash. He routinely prescribed powerful opioids like oxycodone and anti-anxiety drugs like Xanax with little to no medical evaluation. Even when warned by emergency room doctors and families that his patients were dying, Dr. Li refused to stop. The Law Enforcement Talk Radio Show and Podcast episode is available for free on their website , Apple Podcasts , Spotify and most major podcast platforms. “We had evidence that patients were overdosing, yet the prescriptions continued,” Bismuth shared in an episode of her podcast, now available on Apple, Spotify, and other platforms. “The public deserved accountability. These were real lives lost to greed.” Doctor in America, pushing addictive pills, the arrest and prosecution. The investigation culminated in Dr. Li's arrest in November 2011. Over the next three years, Bismuth and her team built a case that would change legal precedent. In 2014, after a grueling four-month trial, a Manhattan jury found Dr. Li guilty on 198 counts, including Manslaughter in the Second Degree, Reckless Endangerment, and Criminal Sale of a Prescription for a Controlled Substance. Available for free on their website and streaming on Apple Podcasts, Spotify, and other podcast platforms. The court heard that Li was responsible for recklessly causing the deaths of at least two patients and endangering several more. He had even prescribed 24 different prescriptions to the man behind the infamous Medford pharmacy massacre. Special Narcotics Prosecutor Bridget Brennan called the case a “landmark conviction.” It was the first time a doctor in New York State had been held criminally liable for overdose deaths stemming from prescription drugs. You can listen to his stories and interview on our website for free in addition to platforms like Apple Podcasts and Spotify, and other major podcast platforms. A Voice for Justice After the trial, Bismuth continued her advocacy. She was named Director of Training for the OSNP, where she emphasized ethics, family-work balance, and respect within the legal profession. In 2015, she stepped away from law to spend time with her family and to write the full story of the case. Doctor in America, pushing addictive pills, The arrest and prosecution. Her acclaimed book, Bad Medicine: Catching New York's Deadliest Pill Pusher, dives deep into the trial and the human cost of the opioid crisis. A second book, Killer in a White Coat, further explores the systemic failures that allowed him to operate for years. The full podcast episode is streaming now on Apple Podcasts, Spotify, and across Facebook, Instagram, and LinkedIn. “Writing the book was painful, but necessary,” Bismuth said in an interview shared across Facebook, Instagram, LinkedIn, and X. “This is about accountability. About telling the truth. About never forgetting the victims.” She donates a portion of her book proceeds to the FedUp! Coalition, and continues to speak out about the opioid epidemic, sharing her story through news media and podcast appearances. A Wake-Up Call for the Medical World, Doctor in America, pushing addictive pills, The arrest and prosecution. Listen to her full interview on the Law Enforcement Talk Radio Show and Podcast website for free, also on Spotify, Apple Podcasts, or most major podcast platforms. Dr. Li's case is more than just a cautionary tale, it's a spotlight on how the healthcare system can be manipulated by those who abuse its trust. Charlotte Bismuth's dogged pursuit of justice reminds us that one doctor in America pushing addictive pills can destroy countless lives, and that prosecution is sometimes the only way to stop the damage. “Justice took years. But we owed it to the victims and their families,” Bismuth said. “We cannot allow the white coat to shield criminal behavior.” Dr. Li died in prison in April 2020, serving a sentence for crimes that shocked New York and made headlines across the nation. His case remains a stark reminder of the consequences when medicine turns deadly. Doctor in America, pushing addictive pills, The arrest and prosecution. For the full story, tune into the podcast episode for free on The Law Enforcement Talk Radio Show and Podcast website, on Apple Podcasts, Spotify, and most all major podcast platforms, and follow the conversation on Facebook, Instagram, LinkedIn, X, and in Charlotte Bismuth's groundbreaking book Bad Medicine: Catching New York's Deadliest Pill Pusher. Time is running out to secure the Medicare coverage you deserve! Whether you're enrolling for the first time or looking for a better plan, our experts help you compare options to get more benefits, lower costs, and keep your doctors, all for free! Visit LetHealthy.com , that's LetHealthy.com or call (866) 427-1225, (866) 427-1222 to learn more. You can help contribute money to make the Gunrunner Movie . The film that Hollywood won't touch. It is about a now Retired Police Officer that was shot 6 times while investigating Gunrunning. He died 3 times during Medical treatment and was resuscitated. You can join the fight by giving a monetary “gift” to help ensure the making of his film at agunrunnerfilm.com . Your golden years are supposed to be easy and worry free, at least in regards to finances. If you are over 70, you can turn your life insurance policy into cash. Visit LetSavings.com , LetSavings.com or call (866) 480-4252, (866) 480-4252, again that's (866) 480 4252 to see if you qualify. Learn useful tips and strategies to increase your Facebook Success with John Jay Wiley. Both free and paid content are available on this Patreon page . Be sure to check out our website . Be sure to follow us on MeWe , X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. Background song Hurricane is used with permission from the band Dark Horse Flyer. You can contact John J. “Jay” Wiley by email at Jay@letradio.com , or learn more about him on their website . Get the latest news articles, without all the bias and spin, from the Law Enforcement Talk Radio Show and Podcast on Medium , which is free. Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. Doctor in America, pushing addictive pills, The arrest and prosecution. Attributions Charlotte Bismuth Prosecutors Center For Excellence Amazon DEA.gov

Let us know how you're enjoying the show or ideas for any future topics!In this inspiring episode of It's Settled, we sit down with Derek Demun, an Ametros member whose life took a dramatic turn after a workplace injury at just 21 years old. Derek opens up about his life before the injury, his passions, ambitions, and adventurous spirit, and how everything changed in an instant. Despite the challenges, Derek's story is one of resilience and reinvention. He shares how he's embraced a new way of living, staying active and adventurous, and finding joy in the everyday. His journey is a powerful reminder that life doesn't end with injury, it evolves.Derek also dives into how Ametros has played a crucial role in his post-settlement life. He highlights how  CareGuard and Ametros' support services have simplified the complexities of managing healthcare after settlement. From streamlining medical payments to providing peace of mind, Derek explains how these resources have allowed him to focus more on living fully and less on paperwork. Tune in to hear how Derek continues to push boundaries, stay positive, and live life on his own terms.Learn more about Derek Dereks Photography Business: T8Media.comDereks Instagram: @T8_OutdoorsmanResources MentionedTriumph Foundation: https://triumph-foundation.orgDisabled Outdoorsmen: https://disabledoutdoorsmen.comAmetros is changing the way injured individuals navigate healthcare by providing them with post-settlement medical management tools for their settlement funds. Ametros helps drive more simplified, secured, and supported settlements and saves money by working closely with injured workers, insurers, employers, attorneys, and Medicare to create a seamless experience.Learn how Ametros can support you.

Nebraska food bank representatives said they are concerned how cuts to SNAP, Medicare and Medicaid will impact those who rely on the programs. The House of Representatives has already approved the cuts, and now the Senate will decide on them.

Maximize your lead flow with our high-quality, low-cost, call-verified insurance leads: https://leadheroes.com/On this episode of the Seven Figures or Bust podcast, we expose the shady side of the industry—FMOs that do dirty business. From refusing to release agents to underhanded tactics behind the scenes, we're sharing real stories that every insurance agent needs to hear. Tune in for eye-opening experiences, hard lessons, and tips on how to protect yourself from FMOs.Gets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

My client had the best Medicare insurance available at a very small cost, but decided to drop Part B and her Medicare supplement for over a year while waiting for Social Security enrollment. Bad move! She has been diagnosed with atrial fibrillation. She now must wait until next year to re-enroll in Part B and she may never qualify to get her great supplement again. We started this episode by detailing some of the employee layoffs that at least 18 insurance companies must endure due to uncontrolled expenses. This apparently includes 30,000 to be terminated from United Health Group, the largest health insurance company of them all. In the "Your Medicare Benefits 2025" segment, we learn how Medicare covers Kidney Disease Education for those suffering from those afflictions. Finally I give a short history of the origins and a couple of the quirks of Part D prescription drug plans.      Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Web: www.JonesHealthLaw.comPhone: (305)877-5054Instagram: @JonesHealthLawFacebook: @JonesHealthLawYouTube: @JonesHealthLawThe Centers for Medicare & Medicaid Services (CMS) established the Preclusion List under its authority to administer Medicare Advantage (MA) and Part D programs. The list features healthcare providers and prescribers who are precluded from receiving payment for items or services furnished to Medicare beneficiaries enrolled in MA plans or for prescriptions covered under Part D.The U.S. Department of Health and Human Services, Office of Inspector General (OIG) maintains the List of Excluded Individuals and Entities (LEIE) under the authority of the Social Security Act §§ 1128 and 1156. Exclusions are imposed on individuals or entities found to have engaged in certain misconduct, such as fraud or patient abuse.

Toni's new Medicare Survival Guide Advanced Edition book is available now - pick up your copy at www.tonisays.com Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com 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.

A new House bill would require many Medicaid recipients to log 80 hours of work each month or risk losing coverage. Supporters say it promotes self-sufficiency, but critics warn the paperwork alone could drop thousands from the rolls. Experts say that even expansion states like New York, where about one in three residents depends on Medicaid, could see enrollment slip. To help unpack it all, I spoke to Sarah Miller. Sarah is an associate professor of Business Economics and Public Policy at the University of Michigan’s Ross School of Business. Her studies have traced Medicaid’s ripple effects from reduced medical debt all the way to measurable drops in mortality, offering clear evidence that coverage saves both wallets and lives. Today, we talk about what happens when states expand (or slash) Medicaid, why seemingly small paperwork burdens can shut out eligible patients, and how work-requirement rules could reverberate across other safety-net programs. See omnystudio.com/listener for privacy information.

Brian Skrobonja breaks down two retirement curveballs that most people don't see coming until it's too late. He covers how your Social Security decisions can make or break your retirement, and what really happens to your income when your spouse passes away. From the math behind claiming early versus waiting, to the hidden tax traps that arise when one spouse passes away, this episode walks you through the real-life scenarios that can make or break your retirement plan. Brian starts by introducing Joe and Jane, a blend of real-life clients whose story brings clarity on the right way to claim Social Security and what happens to your income when a spouse passes away. He highlights how to understand the impact of Social Security and the math behind what you keep and what you lose. Brian explains how Social Security isn't just about retirement timing. It's about your income, your long-term tax exposure, and your ability to stay financially independent.  You've worked your whole life to earn these benefits, you shouldn't allow the tax man to take more than necessary just because of bad timing or misinformation. Why is retirement planning so important? For married couples like Joe and Jane, the right decision on when to claim benefits can be a six-figure decision.  According to Brian, filing before full retirement age means you accept a permanent reduction in your benefit.  For example, if Joe starts drawing Social Security at 65 and Jane at 62, Joe's full retirement benefit is $3,000 a month, and Jane just $2,000 a month.  But since they're drawing before their full retirement age, there's a permanent reduction. Joe gets $2,600 a month and Jane gets $1,400 a month. That's $1,400 a month total. Multiply that across 25 years and you land at about 1.2 million in lifetime benefits. Brian walks through a smarter path—Joe waits until 70, Jane until 67. With this strategy, Joe's benefit increases substantially thanks to delayed credits, while Jane locks in her full amount. The result is $5,720 per month and a total retirement income that's $172,000 higher than the early-filing option. If they both wait until age 70, their monthly income jumps to $6,200—and over the same 25-year period, that choice results in $1.398 million in total benefits. That's nearly $200,000 more than the “default” approach.  Why does this matter so much? Because those additional dollars don't just boost your lifestyle, they can help protect your surviving spouse, increase your flexibility later in life, and reduce your reliance on investment withdrawals. Every strategy has trade-offs. Waiting requires income from other sources, which means you need a plan in place. But if you can do it, the long-term gain is not just higher monthly income, it's peace of mind that you've made a decision that protects both you and your spouse for life. Brian highlights how the survivor benefit is a critical retirement planning piece that many people overlook. Brian explains how Social Security doesn't have to be a guessing game and how you can use it to design a retirement plan with confidence. Most people think retirement planning ends when you start withdrawing income from your accounts, but Brian believes that's actually where the real planning begins. He explains why it's not just about having enough money. It's about how that money behaves in retirement, how it stretches, how it responds to market shifts, and how it continues to support you when something unexpected happens. Brian shows how lower income in retirement can sometimes lead to higher effective tax rates—especially when you factor in things like Social Security taxation and Medicare surcharges. Filing status changes everything when one spouse passes away. The surviving spouse becomes a single filer, which means half the standard deduction and compressed tax brackets. Even with a smaller income, they could end up paying significantly more in taxes. Learn how Joe and Jane's provisional income pushed them into the 85% tax zone for Social Security. With IRA withdrawals and benefits combined, their adjusted gross income hit nearly $83,000. After the standard deduction, their taxable income was just under $53,000—enough to land them in the 12% bracket and trigger nearly $6,000 in federal tax. Brian emphasizes why tax planning isn't optional. You can run all the retirement projections in the world, but if you're not planning for survivorship and changing tax dynamics, you're only seeing half the picture. This is where strategies like Roth conversions come in. By converting part of your IRA while both spouses are still alive—and still filing jointly—you can lock in today's low rates. Later, the surviving spouse benefits from a source of income that's entirely tax-free. The cost of losing a spouse isn't just emotional—it's financial. And it often happens at the exact moment when a household is least equipped to absorb the hit. Without a plan, what should have been a smooth transition can become a financial scramble. One way to fill the gap is life insurance. A properly designed policy can deliver a tax-free lump sum that replaces lost income and offsets new tax liabilities. Brian encourages couples to model survivor income today. Waiting until someone passes away to find out what's left is a mistake. Knowing what the future looks like allows you to prepare now and avoid painful surprises later. He explains why your retirement plan can't rely on assumptions. It needs to function even when life doesn't go as planned. The goal is not just to survive retirement—but to do it with confidence, clarity, and control.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC.

Marisa Donnelly, PhD, New York correspondent for Your Local Epidemiologist, talks about the various public health policies the mayoral candidates support, and what the mayor can do about public health more broadly.

Our guest on the podcast today is Rosanne Corcoran. Rosanne is the Director of Content Strategy for Daughterhood.org, which is focused on creating community and providing resources to family caregivers. Rosanne also hosts a wonderful podcast called Daughterhood, the Podcast. In addition, she facilitates support groups and meetings for caregivers and has experience as a family caregiver herself.BackgroundBioDaughterhood.orgDaughterhood the Podcast: For CaregiversAnne TumlinsonMedicare/Caregiving“5 Common Misconceptions About Medicaid,” daughterhood.org blog.“4 Tips to Make You Smarter About Your Parents' Medicare,” daughterhood.org blog.“3 Medicare Benefits You MUST Know About,” daughterhood.org blog.“AARP Research Insights on Caregiving,” aarp.org, March 27, 2025.“Caregiving Statistics: Work and Caregiving,” by Family Caregiver Alliance, caregiver.org.Favorite Podcast Guests“End of Life Care & Caregiver Burden With Jessica Zitter, MD, MPH,” Daughterhood the Podcast: For Caregivers, daughterhood.org, Feb. 11, 2021.“Challenging Behaviors in Dementia and the Reasons Why With Judy Cornish, Founder of the Dawn Method,” Daughterhood the Podcast: For Caregivers, daughterhood.org, Aug. 12, 2021.“The Final Days of Hospice and What to Expect With Barbara Karnes,” Daughterhood the Podcast: For Caregivers, daughterhood.org, Feb. 8, 2024.“Finding Meaning in Caregiving With Dr. Allison Applebaum,” Daughterhood the Podcast: For Caregivers, daughterhood.org, March 14, 2024.“Empathy in Caregiving With PK Beville,” Daughterhood the Podcast: For Caregivers, daughterhood.org, June 10, 2021.“A Conversation With Leeza Gibbons,” Daughterhood the Podcast: For Caregivers, daughterhood.org, Jan. 14, 2021.“2025 Policy Changes for Family Caregivers,” Daughterhood the Podcast: For Caregivers, daughterhood.org, Feb. 25, 2025.OtherNational Alliance for CaregivingAging Life Care Association“Howard Gleckman: We Pretend This Isn't a Problem,” The Long View podcast, Morningstar.com, Jan. 16, 2024.How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement, by Christine Benz“Jean Chatzky: What Women Need to Do Differently With Their Money,” The Long View podcast, Morningstar.com, April 8, 2025.Five WishesLeeza's Care Connection

In this episode of Retire with Style, Alex Murguia and Wade Pfau explore the key elements of comprehensive retirement planning. They discuss the importance of understanding your financial goals, working with a financial advisor, and managing risks like health insurance and long-term care costs. Drawing on listener questions and case studies, they examine strategies for transitioning from business ownership to retirement income, optimizing Social Security, and addressing funding gaps. The conversation highlights how personalized planning and thoughtful asset allocation can lead to better financial outcomes in retirement. Listen now to learn more!   Takeaways The quality of your questions shapes the quality of your financial plan. Clear retirement goals are the foundation of effective planning. Financial advice must be tailored—there is no one-size-fits-all solution. Investment strategies should align with your personal goals and overall asset allocation. Health insurance planning is critical before reaching Medicare eligibility. Long-term care costs should be factored into your retirement plan. Tax planning can significantly increase your after-tax retirement income. Transitioning from business income to retirement income requires thoughtful preparation. Financial independence involves complex, interconnected decisions. Personalized strategies are essential for a successful retirement. Understanding your risk capacity and comfort level is vital to planning. Social Security claiming strategies can meaningfully affect retirement income. Asset location matters just as much as asset allocation. A written financial plan helps turn goals into actionable decisions. Part-time work can be a useful tool to bridge income gaps in early retirement. Fixed index annuities may offer dependable income in retirement. A good financial advisor can materially improve your retirement outcomes. It's important to assess your confidence and ability to manage your retirement plan. Effective planning requires a clear understanding of your assets and liabilities. Chapters 00:00 Introduction to Financial Planning and the Webinar 01:57 Understanding Financial Plans and the Role of Advisors 05:53 Analyzing a Financial Independence Case Study 12:06 Exploring Retirement Risks and Goals 17:54 Investment Strategies and Tax Planning for Retirement 19:49 Transitioning from Business Sale to Retirement Income 25:08 Exploring Financial Strategies for Retirement 35:22 Bridging the Retirement Gap 42:32 The Value of Financial Advisors   Links Upcoming Retirement Researcher Webinar: What's Involved When Working With an Advisor! Join Jason Rizkallah and Brian Bass from McLean Asset Management on Wednesday, June 25th at 1PM Eastern for a FREE webinar exploring how to evaluate and work with a financial advisor. Register now at retirewithstyle.com/podcast. Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it!   The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips  

Stop Wasting Time. Grow Your Insurance Agency with Seven Figure CRM: https://sevenfigurecrm.com/On this episode of the Seven Figures or Bust podcast, we dive into the hot topic of Walmart tables and booths in the insurance business. Are they still a solid lead source, or just a drain on your time and energy? Agents share real-world experiences—the good, the bad, and the unexpected. Tune in for honest insights, valuable lessons, and tips to help you decide if this strategy fits your insurance business goals!Gets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

Một phúc trình mới phát hiện ra rằng chi phí y tế cao, đã khiến gần 2 triệu người Úc phải trì hoãn, hoặc bỏ lỡ các cuộc hẹn với bác sĩ chuyên khoa. Báo cáo từ Viện Grattan cho biết, một số bác sĩ chuyên khoa trong khu vực tư nhân, tính phí bệnh nhân cao gấp 2 đến 3 lần, so với mức giá mà Medicare đặt ra cho các dịch vụ đó. Viện cho rằng, việc cắt giảm ngân sách công đối với các bác sĩ tính phí quá cao, có thể là một phần của biện pháp khắc phục.

Think retirement planning starts at 65? Think again. In this episode, Abe Abich breaks down the key milestone ages that shape your retirement journey—from catch-up contributions at 50 to required distributions at 73. With new rules for 2025 and insights on Social Security timing, Medicare, and rollover strategies, this conversation helps you understand what happens when—and why it matters. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important and often confusing world of Medicare Part D with Medicare expert Shawn Southard. With the implementation of the Inflation Reduction Act Medicare provisions in 2025, significant updates have changed the way Medicare drug coverage works, especially for those nearing or already in retirement. Whether you're currently working and covered by an employer plan or about to transition to Medicare, this episode breaks down exactly what you need to know to avoid unnecessary costs and lifelong penalties.Listen in to learn about how Medicare Part D changes affect your coverage decisions, how employer coverage and Medicare interact, and why understanding creditable drug coverage is now more crucial than ever. Shawn also discusses HSA and Medicare rules, key timelines for enrollment, and strategies to avoid the dreaded Medicare late enrollment penalty. This is a must-listen for anyone planning to retire comfortably while staying informed and protected when it comes to their Medicare Part D options.In this episode, find out:· What exactly Medicare Part D covers and how it works.· How the Inflation Reduction Act Medicare provisions lower out-of-pocket drug costs.· What "creditable" drug coverage means and how to know if your employer plan qualifies.· When and how to enroll in Part D to avoid Medicare penalties.· How HSA and Medicare rules impact your decision to delay enrollment.Tweetable Quotes:“With Medicare Part D changes, what used to be a no-brainer may now require a complete reevaluation.” – Murs Tariq“Missing a 63-day window could mean a lifetime of penalties—knowing your coverage status is critical.” – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Real estate investing offers one of the most powerful paths to building long-term wealth—but for many, getting started feels overwhelming. Sayam Ibrahim knows that struggle firsthand. After quitting his job the week of his wedding, he went all in on real estate and never looked back. Today, he's closed over 1,400 transactions totaling more than $250 million in deals. In this episode, Sayam shares how he built his real estate empire from the ground up—without significant capital—and why finding the right mentor changed everything. With roots in both Dominican and Ethiopian communities, he brings a unique perspective to investing in diverse markets and making real estate accessible to anyone. We dive into his step-by-step approach to scaling a portfolio, strategies for getting started even with limited resources, and the mindset needed to succeed in any market. If you're ready to take action and build real wealth through real estate, this episode is for you. Find out more: YouTube Apple Podcast Spotify Instagram Website Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com

If there's one name to know in the fight for PBM reform, it's Benjamin Jolley. As Co-Founder of Apex Consulting and Senior Fellow at the American Economic Liberties Project, Ben has spent years exposing what's been broken in the pharmacy system—and what can still be fixed. Most recently, he addressed 20,000 attendees at a rally in Salt Lake City to advocate for Breaking Up Big Medicine (breakupbigmedicine.com). This week, Ben joins us on the Catalyst Pharmacy Podcast to talk about all things advocacy, legislation, and fighting for what's right from the front lines of the pharmacy all the way to Capitol Hill.  2:45 – Opening discussion on PBM reform momentum 8:16 – Legislative wins for pharmacy 11:44 – Banning vertical integration between PBMs and pharmacies 14:03 – “Break Up Big Medicine” campaign details 21:37 – Mandatory NADAC reporting: what's required and what it solves 29:36 – Chain vs. independent pricing: real-world examples of inequality 36:14 – Helping pharmacies with Medicare plan optimization 47:51 – Final thoughts and call to action for community involvement  Benjamin's Substack: https://benjaminjolley.substack.com/ Apex Consulting: https://www.apexpharmacyconsulting.com/  Hosted By: Mark Bivins | Chief Growth Officer, RedSail Technologies Guest: Benjamin Jolley | Pharmacist at Jolley's Compounding Pharmacy  Looking for more information about independent pharmacy? Visit https://www.redsailtechnologies.com 

In a recent episode of 'The Valley Today,' host Janet Michael delved into the dynamic world of senior services and community engagement with her guests Gina Hilliard, President of the Luray/Page Chamber of Commerce, and Greg Stockton, Director of Development for Seniors First. Their conversation ranged from event planning to innovative fundraising ideas, reflecting a community deeply committed to enhancing the lives of its senior residents. The discussion began with Gina sharing the latest updates on their annual banquet. She described the meticulous planning involved and hinted at the grand celebration being planned for the Chamber's 100-year anniversary next year.  Greg elaborated on the recent rebranding from Shenandoah Area Agency on Aging to Seniors First, emphasizing the ease and clarity the new name brings. He outlined the organization's extensive programs, including senior centers, home food delivery, transportation for seniors, the Medicare counseling program (ViCAP), and the Senior Medicare Patrol aimed at preventing Medicare scams. The comprehensive support Seniors First offers anchors them as a pivotal resource in the valley. Highlighting the importance of community and creativity, Greg introduced their upcoming fundraiser, 'The Amazing Race Northern Shenandoah Valley,' scheduled for July 19th. This unique, app-based event will engage participants in a local scavenger hunt, further enriched by an online auction boasting an impressive array of items, from Taylor Swift memorabilia to local gift packages. This initiative underscores the vibrant and innovative spirit driving their fundraising efforts. Janet commended Seniors First for their innovative fundraising and broad community support. Greg reaffirmed the vital role volunteers play in their operations, whether through hands-on assistance at senior centers, helping with Meals on Wheels, or supporting their fundraising activities. Gina and Greg also discussed the diverse ways community members and businesses can get involved and contribute to these efforts. Janet highlighted the critical role such organizations play in enriching community life. Gina announced upcoming events hosted by the Luray/Page Chamber of Commerce, including a Women in Business craft night and industry council sessions.  Learn more about Seniors First services and get details about their fundraiser on their website: https://seniorsfirst.info/  Stay up to date on Luray/Page Chamber events on their website: https://www.visitluraypage.com/chamber/ 

Save Time and Earn More by Hiring our Vetted Virtual AssistantsHire Your Heroes Now: https://hireheroes.com/On this episode of the Seven Figures or Bust podcast, we dive into some of the wildest and most unforgettable client interactions agents have experienced. From unexpected twists to hilarious moments, we're sharing stories that every insurance agent can relate to. Tune in for laughs, lessons, and a reminder that no two appointments are ever the same!Gets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

Thinking about becoming an insurance agent? In this episode, we weigh the pros and cons of selling insurance, so you'll have the information you need before you make that big decision!   Read the text version   Get Started by Registering with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/   Learn More with These Resources: 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Update: https://lnk.to/dFX1s1 2025 State of the Senior Market Address: In Review: https://ritterim.com/blog/2025-state-of-the-senior-market-address-in-review/ 5 Perks of Being a Part-Time Insurance Agent: https://lnk.to/YGJ3KX Agent Survival Guide Podcast: https://lnk.to/asgpodcast Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/  Contact the Ritter Sales Team: https://ritterim.com/contact/ Four Reasons Why Ritter Should Be Your FMO Insurance Agency: https://ritterim.com/blog/four-reasons-why-ritter-should-be-your-fmo-insurance-agency/ Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent: https://lnk.to/3pKJsF   How Insurance FMOs Work: https://ritterim.com/how-insurance-fmos-work/?utm_source=asg_podcast_link How Much Can Agents Make Selling Under-65 Insurance? https://lnk.to/TlGBGH How Much Can Insurance Agents Make Selling Medicare? https://ritterim.com/blog/how-much-can-insurance-agents-make-selling-medicare/ How Professional Organizations Make You a Better Agent: https://ritterim.com/blog/how-professional-organizations-make-you-a-better-agent/  REWIND: 8 Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl Ritter Insurance Marketing eBooks & Guides: https://ritterim.com/guides/ Ritter Insurance Marketing Events: https://ritterim.com/events/ The Advantages of Being a Field vs. Call Center Insurance Agent: https://ritterim.com/blog/the-advantages-of-being-a-field-vs-call-center-insurance-agent/  The Guide to Earning a Living Selling Health Insurance: https://ritterim.com/earning-a-living-selling-insurance/?utm_source=asg_podcast_link Your Step-By-Step Guide to Getting Started in Insurance Sales: https://ritterim.com/free-guide/?utm_source=asg_podcast_link   References: Cubanski, Juleette. “A Current Snapshot of the Medicare Part D Prescription Drug Benefit.” KFF.Org, KFF, 9 Oct. 2024, www.kff.org/medicare/issue-brief/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/. “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-2. Rosanes, Mark. “Want to Build a Career Selling Insurance? Here Are the Pros and Cons.” Insurance Business America, Insurance Business, 22 Jan. 2024, www.insurancebusinessmag.com/us/guides/want-to-build-a-career-selling-insurance-here-are-the-pros-and-cons-473774.aspx.   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. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Medicare insurance is dull...I know. I was shocked to hear this as well. However, it doesn't have to be...

Months into the 2025 state legislative sessions, how are the key issues of prior authorization, scope of practice, and physician wellness playing out? What themes are emerging and how are they different than those of previous years?  Led by AMA President Dr. Bobby Mukkamala, this panel of AMA Advocacy Resource Center attorneys talks about how the AMA is working with national, state and specialty medical societies to address these key legislative priorities.     ⭐⭐⭐⭐⭐

How Medicare Special Needs Plans Are Changing—and How Agents Can Support Clients NowRecent shifts in Medicare Special Needs Plans (SNPs), especially those affecting dual-eligible (D-SNP) beneficiaries, are causing ripples both for insurance professionals and the vulnerable individuals they serve. In this episode of Insurance Business Babes, Kathe Kline and Joanna Wyckoff break down what's ahead and offer actionable strategies for agents to stay ahead of these changes.Understanding the Major Benefit ReductionsBeginning in 2026, CMS regulations will roll back many popular ancillary benefits for D-SNPs—including the much-loved grocery card. While chronically ill SNP beneficiaries (C-SNPs) may still qualify for these extras, dual-eligible clients will see notable losses. For many low-income individuals, these grocery benefits made up a crucial portion of their monthly "income," so the impact will be significant.Why This Matters: Client and Agent ImplicationsThe removal of grocery and ancillary benefits doesn't just hurt consumers; insurance agents relying on those “perks” to showcase plan value will need to adjust their approach. The focus will have to return to the medical coverage itself—maximum out-of-pocket costs, plan networks, and real medical needs—rather than the shiny add-ons.Compliant Communication: Getting Ahead of the CurveRegulation limits how and when agents can warn clients about specific plan changes. However, Kathe and Joanna recommend proactive and compliant communication:Send out educational newsletters focusing on national policy or regulation shifts, not plan specifics, to maintain compliance.Create video content raising awareness about upcoming regulatory changes, with clear calls-to-action for annual reviews.Segment your outreach using a CRM to target only affected D-SNP clients, avoiding unnecessary concern for unaffected beneficiaries.Building Resourcefulness for ClientsLosing financial help through Medicare plans means clients may turn to other social supports. Agents can add value by compiling local and national resources—food banks, utility assistance, community gardens, and home-sharing services—to include in their outreach.Time to Be the Trusted AdvisorAs we move towards AEP and beyond, insurance professionals must reclaim their role as consultants rather than benefit brokers. Proactively supporting clients through these changes—with information, empathy, and local resources—will protect your book of business and earn long-term trust.This episode is sponsored by ⁠CertifiedMedicareAgents.com⁠. Use the coupon code BABES2024 for a free lifetime BRONZE membership.

The Traumas of Police Work and Drowning Deaths, Special Episode. The badge doesn't always protect the heart. Retired Seminole County Sheriff's Sergeant Mark DiBona knows that truth all too well. After more than three decades in law enforcement, spanning from Braintree, Massachusetts to the heart of Florida, DiBona's battle wasn't just with criminals, it was with the lasting traumas of police work, the devastating toll of a baby's drowning death, and a fight for his own life. The episode is also promoted across their Facebook , Instagram , LinkedIn , Medium and other platforms. “I couldn't save that baby,” Mark shared in this episode of The Law Enforcement Talk Radio Show and Podcast now streaming on for free on their website, in addition to Apple Podcasts, Spotify, and most major social media platforms including Facebook, Instagram, X, and LinkedIn. “And that day nearly cost me my life too.” Look for supporting stories about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin . The incident that nearly broke him happened in Seminole County, Florida, where DiBona had built a respected career within a sheriff's office, with 1,400 employees and nearly $170 million budget. Seminole County, nestled in Central Florida and part of the Orlando-Kissimmee-Sanford metro area, is no stranger to public safety challenges. But few hit as close to home as the tragic, preventable death of a young child. The Traumas of Police Work and Drowning Deaths. Drowning: Florida's Hidden Crisis Florida tragically leads the nation in child drowning deaths. In 2023 alone, 97 children in the state lost their lives to drowning. Residential pools, bathtubs, and even buckets of standing water claim lives year-round, particularly during the spring and summer months. Lack of proper supervision, faulty or missing safety barriers, and elopement behaviors in children are just a few of the contributing factors. The Law Enforcement Talk Radio Show and Podcast episode is available for free on their website , Apple Podcasts , Spotify and most major podcast platforms. DiBona responded to one such scene: a baby in medical distress from drowning. Despite doing everything he could, the child couldn't be saved. “That was it for me,” he admitted. “I'd seen violence, accidents, suicides, but that baby…I still hear that day in my sleep.” The Weight of the Badge, Available for free on their website and streaming on Apple Podcasts, Spotify, and other podcast platforms. The Traumas of Police Work and Drowning Deaths. Law enforcement officers are at a significantly higher risk of developing PTSD than the general population. Studies show between 7% and 19% of officers experience symptoms consistent with Post-Traumatic Stress Disorder. The causes? The trauma is layered and relentless: Regular exposure to gruesome scenes and high-stress situations. Emotional and psychological burdens from the decisions they make. Cumulative trauma over years without real recovery time. Isolation and internal pressure to "stay strong" at all costs. Mark DiBona was no exception. “I developed PTSD, depression, anxiety…and it showed” he revealed, pausing to reflect. “There were times I didn't want to live anymore. I didn't think I was worth saving.” You can listen to his stories and interview on our website for free in addition to platforms like Apple Podcasts and Spotify, and other major podcast platforms. His Recovery and a New Mission But he was saved, through faith, therapy, purpose, and community. DiBona, now a nationally recognized speaker and advocate, travels the country as the “Rock Star of Mental Health,” speaking about suicide prevention, first responder wellness, and the traumas of police work. His voice is raw, honest, and hard-won. The Traumas of Police Work and Drowning Deaths. “I want every cop, firefighter, EMT, dispatcher, any first responder, to know: You can come back from the edge. I'm proof,” he said. The full podcast episode is streaming now on Apple Podcasts, Spotify, and across Facebook, Instagram, and LinkedIn. He co-founded Behind the Tin an initiative aimed at protecting those who protect others. His story, shared widely through podcasts, various news and radio outlets, and social media platforms like their LinkedIn and Instagram, is saving lives by shining a light on what he calls “the silent injuries” of the job. “I always considered myself a cop's cop,” DiBona said. “But I didn't know I'd have to learn how to save myself too.” Spreading the Word, Saving Lives Mark believes the issue of PTSD in law enforcement isn't just under-reported, it's dangerously misunderstood. The macho culture, fear of judgment, and lack of institutional support often silence those who are suffering. The Traumas of Police Work and Drowning Deaths. “We lose more cops to suicide than to gunfire. Where's the outrage? Where's the support?” he asked. With his Christian faith as an anchor, Mark now views his darkest days as fuel for his purpose. He regularly appears in news features, podcasts, and mental health panels, using platforms like Facebook and X (formerly Twitter) to reach first responders in crisis. Listen to his full interview on the Law Enforcement Talk Radio Show and Podcast website for free, also on Spotify, Apple Podcasts, or most major podcast platforms. The Traumas of Police Work and Drowning Deaths. Through his advocacy and public speaking, he's become a beacon for those walking the same dark path he once did. Whether on the Law Enforcement Talk Radio Show and Podcast website, Apple Podcasts, Spotify or standing behind a podium in front of hundreds, his message remains consistent: “There is help. There is healing. And you are not alone.” Learn useful tips and strategies to increase your Facebook Success with John Jay Wiley. Both free and paid content are available on this Patreon page . Time is running out to secure the Medicare coverage you deserve! Whether you're enrolling for the first time or looking for a better plan, our experts help you compare options to get more benefits, lower costs, and keep your doctors, all for free! Visit LetHealthy.com , that's LetHealthy.com or call (866) 427-1225, (866) 427-1222 to learn more. You can help contribute money to make the Gunrunner Movie . The film that Hollywood won't touch. It is about a now Retired Police Officer that was shot 6 times while investigating Gunrunning. He died 3 times during Medical treatment and was resuscitated. You can join the fight by giving a monetary “gift” to help ensure the making of his film at agunrunnerfilm.com . Your golden years are supposed to be easy and worry free, at least in regards to finances. If you are over 70, you can turn your life insurance policy into cash. Visit LetSavings.com , LetSavings.com or call (866) 480-4252, (866) 480-4252, again that's (866) 480 4252 to see if you qualify. Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. Be sure to check out our website . Be sure to follow us on MeWe , X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. Background song Hurricane is used with permission from the band Dark Horse Flyer. You can contact John J. “Jay” Wiley by email at Jay@letradio.com , or learn more about him on their website . Get the latest news articles, without all the bias and spin, from the Law Enforcement Talk Radio Show and Podcast on Medium , which is free. The Traumas of Police Work and Drowning Deaths. Attributions Safe Children Coalition Wikipedia LinkedIn Behind The Tin

153 Understanding the Hero Generation: Empowering Caregivers with Nicole àBeckett In this episode of Hospice Explained, Marie Betcher, RN interviews Nicole àBeckett, founder of Hero Generation. Nicole shares her personal journey as a caregiver to her parents, which inspired her to create Hero Generation—a platform designed to support caregivers with tools, resources, and a community. They discuss the importance of collaboration in caregiving, the benefits of using digital resources and AI, and the significance of having a supportive community. Nicole also details how Hero Generation addresses key pain points for caregivers and offers solutions to make the caregiving experience less overwhelming. 00:00 Introduction and Disclaimer 00:29 Meet Your Host: Marie Betcher 00:40 Cloud Nine Care System Overview 01:37 Interview with Nicole àBeckett: Founder of Hero Generation 04:01 Nicole's Personal Caregiving Journey 07:10 The Genesis of Hero Generation 09:37 Hero Generation's Key Features 15:29 Community and Resources for Caregivers 24:58 Security and Privacy in Hero Generation 28:03 User Testimonials and Feedback 31:53 Subscription Plans and Contact Information 34:29 Conclusion and Call to Action https://www.herogen.co/ Hospice Explained Affiliates & Contact Information Buying from these Affilite links will help support this Podcast.  Maire introduces a partnership with Suzanne Mayer RN inventor of the  cloud9caresystem.com,  When patients remain in the same position for extended periods, they are at high risk of developing pressure injuries, commonly known as bedsores. One of the biggest challenges caregivers face is the tendency for pillows and repositioning inserts to easily dislodge during care.(Suzanne is a former guest on Episode #119) When you order with Cloud 9 care system, please tell them you heard about them from Hospice Explained.(Thank You)  If you would, you can donate to help support Hospice Explained at the Buy me a Coffee link  https://www.buymeacoffee.com/Hospice Marie's Contact Marie@HospiceExplained.com www.HospiceExplained.com   Finding a Hospice Agency 1. You can use Medicare.gov to help find a hospice agency, 2. choose Find provider 3. Choose Hospice 4. then add your zip code This should be a list of Hospice Agencies local to you or your loved one.