Podcasts about medicare advantage plans

A common misconception is that retirement always brings a lower tax bill, but without proactive planning, taxes can quietly become one of your biggest retirement expenses. In this episode of Retiring Today with Loren Merkle, we clear up this myth and walk through four tax traps that could lead to unnecessary tax bills in retirement.--Ready to take the next step? Schedule a call now at https://bit.ly/3EXgxlJ to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4k6l4S1--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn HonkompCFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Join Dr. Damon Arnold, retired U.S. Army combat medic and host of America's Heroes Group, as he speaks with Susan Jaffe, a contributing writer for KFF Health News and the DC Correspondent for The Lancet. In this compelling discussion, they delve into Jaffe's recent article, "When Hospitals Ditch Medicare Advantage Plans, Thousands of Members Get to Leave Too," published on April 28, 2025. Learn about the complex dynamics behind hospitals opting out of Medicare Advantage plans, the impact on beneficiaries, and the special enrollment periods that can provide relief.Topics:Overview of Medicare and Medicare Advantage PlansWhy Hospitals Leave Medicare Advantage NetworksThe Impact on Patients and ProvidersSpecial Enrollment Periods and Patient RightsDifferences Between Urban and Rural Access to CareHow to Navigate Medicare Advantage Plan ChangesLegislative Responses and Consumer AdvocacyResources for Affected Patients and Families

Are you focused too much on your investments as you approach retirement? In this episode of Retiring Today, we dive into three critical investment traps that retirees should avoid when planning for retirement:Investment Hyperfocus: Over-focusing on day-to-day market fluctuations or portfolio balances while overlooking other areas of retirement planning. Taking Unintended Risk: Failing to assess and manage risk or update allocations to meet retirement goals can lead to unintended investment risk.Making Return Assumptions: Relying on overly optimistic investment return projections can impact decision-making and affect the long-term strength of a retirement plan.--Ready to take the next step? Schedule a call now at https://bit.ly/4iza5ze to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3YkiM9q--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Clint HuntrodsCertified Financial Fiduciary®, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

What if the way you withdraw your money in retirement matters just as much as how you saved it? The truth is, not all retirement income is taxed the same—and how you take distributions can dramatically impact how much you actually get to keep.In this episode, we break it all down with a hypothetical case study that follows a woman named Sherri and shows how thoughtful tax planning gave her over $10,000 more in annual retirement income—without saving another dime. We also walk through three strategies that can help lower your tax bill in retirement and potentially leave you with more in spendable income each year. Lowering your tax bill in retirement doesn't happen by accident. It takes planning, strategy, and the right timing. This episode shows you how to take control—and keep more of what you've worked so hard to save.--Ready to take the next step? Schedule a call now at https://bit.ly/3RdY2w6 to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Yx3ONf

Are you 10 years or less from retirement and wondering where to begin with retirement planning? We walk through your essential retirement checklist to help you get organized, reduce risks, and gain lasting confidence in your retirement journey. If you're ready to feel more organized and more confident as you transition into retirement, this episode is a great place to start.--Ready to take the next step? Schedule a call now at https://bit.ly/3XLjVqf to get answers to your retirement questions. Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3YkJM8A--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Plus Hospitals are opting out of Medicare Advantage Plans

Your 401(k) is a significant part of your retirement savings—but what should you do with it once you retire? In this video, we'll break down your options, highlight potential risks, and help you make informed decisions about your 401(k).Every retirement journey is unique, and your 401(k) strategy should align with your personal goals.--Ready to take the next step? Schedule a call now at https://bit.ly/4c4cq3A to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4hN2mx7--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Clint HuntrodsCertified Financial Fiduciary®, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Most retirees don't realize it, but RMDs aren't just mandatory—they can be a tax time bomb waiting to happen. Without planning, they could push you into a higher tax bracket, costing you more in taxes than expected. Today, we break down the latest RMD rules, penalties, and tax strategies to help you keep more of your money in retirement. We also walk through a hypothetical case study featuring Paul, a 57-year-old with a $1 million IRA. We compare two scenarios for Paul at his RMD age of 75:

Randy Carson is temporarily suspended while we recount the sad tale of a multiple cancer victim who is fighting his disease and also fighting his Medicare Advantage plan, those who are supposed to help him get treatment. Just what a cancer patient wants to spend his time and energy doing! In the "Your Medicare Benefits 2024" segment we learn how Medicare is likely to cover depression screenings. Won't help the hero in the previous story though; Medicare Advantage participants have Medicare taken away from them! Good news for those who value a happy workplace: the number of physicians who are thinking about leaving medicine has dropped 22%. A resoundingly positive testimonial from our friend Dominick Regina! His personal experience appealing IRMAA surcharges by filing form SSA-44 has been very rewarding.  Finally, we dive into the Wallethub list of most and least "stressed" states.   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 message conveyed by this episode is, " Get out while you can!" MA plans are trimming their offerings in order to protect their profitability. The subject of "Your Medicare Benefits 2024": Defibrillators! How does Medicare cover their purchase price as well as installation. Which are the best (and worst) states in which for women to reside? Finally, the MLM Podcast has been awarded a Humanitarian & Investment fund in the amount of $10,500,000 American dollars. In recognition of this award I have just hosted my last podcast ever! 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.

In the "Medicare Advantage Minute" an investigation concluded that the vast majority of dental plans attached to MA plans do not meet the standards generally available from employer group insurance. The "Your Medicare Benefits 2024" segment revealed that Medicare will pay 100% of the charges for testing and treatment of Covid-19 (Wuhan Flu).  Ransom letters threatening data breaches have been received by several hospitals according to the AHA. In this podcaster's opinion, repeal of HIPPA would remove the incentive and free the medical industry of a great deal of costly burden. Valued client Dean, fresh from a trans-Atlantic trip across the Equator, expressed admiration for the classy way in which United American announced an upcoming rate increase. Finally, Kelly, a friend of valued clients Becky & Lester, wrote to ask how "Medicare Advantage Trial Rights' might be advantageous to her. APOLOGIES to readers of the newly released "Medicare for the Lazy Man 2025..". There are several typos that must be corrected.  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.

More management and insurance knowledge in my newsletter: https://www.odysseymgmt.com/newsletter   Missing these insurance secrets could cost your dental practice - are you prepared?   From navigating insurance portals and password overload to the shift toward Electronic Funds Transfers (EFTs), the demands on dental teams are growing. Colleen Huff shares insights on handling leased networks, making informed choices about dental insurance, and avoiding the pitfalls that catch many offices off guard.   We also dive into Medicare Advantage Plans—how they're changing, why benefits might shrink, and what this means for your office. With Medicare benefits in flux, reviewing plans annually is essential to avoid surprises. If your practice isn't keeping up with Medicare updates, you could be facing unnecessary complications.   Don't let insurance confusion lead to costly mistakes. Learn how to manage these challenges with smart strategies, proper coding, and the right tools. Colleen also previews her upcoming training modules to help you take control of your dental insurance game. This is for you, insurance nerds! -------------   Connect with Colleen:   Facebook: Colleen Huff- Dental Insurance Coach Instagram: @dicoach22 LinkedIn: Colleen Huff Website: https://colleenhuff.com/   -------------   Medical Billing Made Easy! Dental Classroom Online: https://www.dentalclassroomonline.com/ Use ODYSSEY for a 10% courtesy   ------------- I created Dental Revenue Network to foster collaboration and networking amongst RCM professionals. Billing company owners and billing professionals will have access to skill building sessions, current carrier news and insurance discussions beyond “what's the code?" Check it out - I hope you'll join! https://dentalrevenuenetwork.mn.co/ ------------- Synergy Dental Partners offers lower prices for your dental supplies and services https://www.odysseymgmt.com/synergy NTMT listeners receive a 2 Month Free Trial + a 3rd Month if you buy anything from any vendor during the trial period. Also, new Darby customers receive a $200 Darby statement credit with a purchase.  ------------- My insurance course Dental Insurance Design and Management is geared toward those who want to understand the how and why of insurance. As a loyal podcast listener, please use "NTMT" for a $75 courtesy toward your investment.  ------------- Visit odysseymgmt.com to check out my book, webinars and courses. ------------- Don't forget to check out my other podcast Chew on This - A Dental Podcast!  **If you like the show then I'd appreciate a good rating. Tell your friends. Even podcasters ask for referrals!** YouTube: https://youtube.com/@odysseymgmt   #MedicareAdvantage #Dental #Dental Insurance  

Backlash in the wake of the murder of Brian Thompson brings out complaints from dissatisfied patients of MA plans. In the "Your Medicare Benefits 2024" segment, Medicare will apparently cover Social Determinants of Health Risk Assessments. We address an article stating that the health industry is bracing for the arrival of RFK Jr. Finally, we have a complaint about Too Much Medicare Marketing.   Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Neetu Rajpal, the CEO, and Co-Founder of Lilac Software, brings data and analytics tools to healthcare payers with a specific focus on addressing health disparities and improving benefits for Medicare Advantage members. The Medicare Advantage Star Rating program is a key incentive for health plans to be more innovative about data analysis to improve quality measures and receive financial incentives. Timely, reliable information in an accessible format and better data analytics improve decision-making, patient outcomes, and engagement with providers and patients. Neetu explains, "Health plans tend to have lots of data. They have lots of valuable tools, but those tools have data that is locked inside those tools themselves. So if you're, for example, part of an actuarial team, you may actually be getting PDFs, you may be getting spreadsheets, you may be getting access directly to a CSV file. You may get all these things on a one-off basis, and you have to make sense of all this data. The burden of cleaning and making use of this data falls on you." "This is exactly where lots of energy is lost, lots of labor costs are lost, and lots of efficiency is lost. So with Lilac, we're trying to make sure that all of this stuff of banal value is just available behind the scenes. This is exactly what tech is supposed to be doing for you. Help you operate at the top of your license. If you're an actuary, do actuarial things and let tech make sure that the data you need to do your work is available to you when you need it, and you can just rely on and trust it." "Yes, unfortunately, there is still a lot of paper in the process. Some of the paper is regulatorily required. So if you're a payer, you're required to send any of your members a directory of providers that are available. If they ask for it in paper, you are required to send them ID cards that can be paper. We all know about the fax machines and all of those things on paper." #LilacSoftware #DataAnalytics #HealthAI #AI #MedicareAdvantage #MedicareStarRating #HealthPlan #HealthcarePayers #HealthcareInsurance lilacsoftware.com Download the transcript here

Neetu Rajpal, the CEO, and Co-Founder of Lilac Software, brings data and analytics tools to healthcare payers with a specific focus on addressing health disparities and improving benefits for Medicare Advantage members. The Medicare Advantage Star Rating program is a key incentive for health plans to be more innovative about data analysis to improve quality measures and receive financial incentives. Timely, reliable information in an accessible format and better data analytics improve decision-making, patient outcomes, and engagement with providers and patients. Neetu explains, "Health plans tend to have lots of data. They have lots of valuable tools, but those tools have data that is locked inside those tools themselves. So if you're, for example, part of an actuarial team, you may actually be getting PDFs, you may be getting spreadsheets, you may be getting access directly to a CSV file. You may get all these things on a one-off basis, and you have to make sense of all this data. The burden of cleaning and making use of this data falls on you." "This is exactly where lots of energy is lost, lots of labor costs are lost, and lots of efficiency is lost. So with Lilac, we're trying to make sure that all of this stuff of banal value is just available behind the scenes. This is exactly what tech is supposed to be doing for you. Help you operate at the top of your license. If you're an actuary, do actuarial things and let tech make sure that the data you need to do your work is available to you when you need it, and you can just rely on and trust it." "Yes, unfortunately, there is still a lot of paper in the process. Some of the paper is regulatorily required. So if you're a payer, you're required to send any of your members a directory of providers that are available. If they ask for it in paper, you are required to send them ID cards that can be paper. We all know about the fax machines and all of those things on paper." #LilacSoftware #DataAnalytics #HealthAI #AI #MedicareAdvantage #MedicareStarRating #HealthPlan #HealthcarePayers #HealthcareInsurance lilacsoftware.com Listen to the podcast here

Every Eight Seconds someone enrolls in Medicare. Today Toni covers the Medicare basics that will help everyone navigate the Medicare enrollment process. Toni also addresses original Medicare, Medicare Advantage Plans and Medicare Supplements. For everyone planning to enroll in Medicare, today's podcast is a Great starting point! 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 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.

Medicare Advantage (MA) plans are set to change with new Centers for Medicare and Medicaid Services (CMS) regulations and increased competition. This event explores the upcoming regulatory changes, including the annual review of Special Supplemental Benefits for the Chronically Ill (SSBCI), which will assess how these benefits impact member health. Starting in 2026, Medicare Advantage Organizations (MAOs) will also be required to notify members about unused supplemental benefits mid-year, improving health equity and ensuring enrollees are aware of available resources.Hear our conversation with Amy Schiffman, CEO of AgeTech DC and CMO of Heal Pros, and Doron Porat, co-founder and CEO of ActiveAging, about strategies for enhancing member outcomes and satisfaction, with a focus on addressing social determinants of health such as transportation, meals and housing support. Learn how MA plans can improve Star Ratings, boost retention and close care gaps by offering targeted, effective benefits. The event also showcases tools like ActiveAging's ActiveAgent platform, an AI-driven tool that ensures its members are fully utilizing supplemental benefits, driving engagement, satisfaction, retention and Star Ratings. Attendees gained key insights to remain competitive, meet CMS requirements and position their plans for long-term financial sustainability.This conversation was moderated by John Achoukian, executive in residence at MATTER.For more information, visit matter.health and follow us on social: LinkedIn @MATTERTwitter @MATTERhealthInstagram @matterhealth

If you have discovered that you have made the wrong choice in selecting a Medicare Advantage Plan (MA), January 1 begins the three month period allowing you to change to a different Medicare Advantage Plan or return to Original Medicare. 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 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.

Will your retirement savings last as long as you do? Many retirees worry about running out of money, especially as life expectancies increase. Retirement planners Loren Merkle and Chawn Honkomp discuss creating a retirement strategy that accounts for longevity. According to the Social Security Administration, a man turning 65 today is projected to live until 84, while a woman is expected to reach 86 1/2. One in three retirees who turn 65 will live to age 90, and one in seven will reach 95. These numbers highlight the need to account for longevity in your retirement plan. In this episode, we talk about building retirement plans that last until age 100. While many retirees may not expect to live that long, building a plan that accounts for longevity can help you make your retirement savings last throughout all phases of retirement. Whether you're five or ten years away from retirement, now is the time to take control. With a customized retirement plan, you can enter retirement feeling confident, secure, and excited about the years ahead.--

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4h5HnWq Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://merkleretirementplanning.com/all-online-events/ Did you know that 48% of people retire earlier than they expected? A recent study reveals surprising reasons why, ranging from unexpected health issues to changes at work and even financial readiness. In this episode of Retiring Today with Loren Merkle, we dive deep into the findings and what they mean for your retirement journey.We also answer two common viewer questions: “How do I get my money in retirement?” and “How difficult is it to start getting the money?” Loren Merkle and Chawn Honkomp give clear, straightforward answers to help you feel confident about your retirement income plan. Don't leave your retirement to chance! We share actionable steps to help you prepare for an early retirement— whether it's by choice or unexpected circumstances. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://lnk.to/cdV0H1   7 Reasons Clients Switch Medicare Plans During AEP: https://lnk.to/ij9pUb   Do's and Don'ts of Medicare Compliance: https://ritterim.com/blog/dos-and-donts-of-medicare-compliance/    Fact-Finder PDF Download: https://ritterim.com/documents/ritter-fact-finder.pdf   Get Your PlanEnroll Site: https://ritterim.com/planenroll/   Helping Clients Navigate Medicare's Durable Medical Equipment Coverage: https://ritterim.com/blog/helping-clients-navigate-medicares-durable-medical-equipment-coverage/ How Much Money Can Agents Make Selling Ancillary Health Insurance? https://ritterim.com/blog/how-much-money-can-agents-make-selling-ancillary-health-insurance/ How to Follow up with Medicare Clients Compliantly: https://ritterim.com/blog/how-to-follow-up-with-medicare-clients-compliantly/     Integrity Tools for Insurance Agents: https://ritterim.com/integrity-tools/     Medicare Advantage Emergency-Related SEPs: https://ritterim.com/blog/medicare-advantage-emergency-related-seps/ Medicare Advantage Open Enrollment Do's and Don'ts: https://lnk.to/LFWWKK    Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them: https://ritterim.com/blog/medicare-grievances-how-insurance-agents-can-try-to-prevent-them/    Medicare Advantage Trial Rights Explained for Agents: https://lnk.to/rQY3Hp   Start Selling 5-Star Medicare Advantage Plans All Year: https://ritterim.com/blog/start-selling-5-star-medicare-advantage-plans-all-year/    What Beneficiaries Value Most in Medicare Advantage Plans: https://ritterim.com/blog/what-beneficiaries-value-most-in-medicare-advantage-plans/    What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/    References: “Low Incomes, Little Savings: Many Medicare Beneficiaries Have Modest Financial Resources to Draw Upon in Retirement.” KFF.Org, KFF, 5 Feb. 2024, www.kff.org/medicare/press-release/low-incomes-little-savings-many-medicare-beneficiaries-have-modest-financial-resources-to-draw-upon-in-retirement/.   “Medicare Advantage Communication Requirements.” Code of Federal Regulations, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 6 Jan. 2025.   “Outbound Education and Verification Calls to All New Enrollees.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/downloads/MMGSection70-6Rev.pdf. Accessed 6 Jan. 2025.   “Part D Communication Requirements.” Code of Federal Regulations, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 6 Jan. 2025.   Sparks, Grace, et al. “Public Opinion on Prescription Drugs and Their Prices.” KFF.Org, KFF, 4 Oct. 2024, www.kff.org/health-costs/poll-finding/public-opinion-on-prescription-drugs-and-their-prices/.     Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Not affiliated with or endorsed by Medicare or any government agency. 

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3Pq2l6C Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://merkleretirementplanning.com/all-online-events/ Ready to unlock the full potential of your Roth IRA? In this episode of Retiring Today with Loren Merkle, we explore the essential rules, limits, and strategies you need to know to create a purposeful and comprehensive retirement plan. Whether you're just starting to think about retirement or refining your retirement plan, this video is your complete guide to navigating the complexities of Roth IRAs. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, CERTIFIED FINANCIAL FIDUCIARY®, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3ZW4ZpA Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B Just like you wouldn't buy a car without a test drive, you should put your retirement plan through a trial run. Discover how to simulate your retirement lifestyle, stress-test your financial strategies, and make any adjustments before you actually retire. Test driving lets you check comfort and performance. Try living on your projected retirement budget and see if that fits your lifestyle needs. Test drive in different conditions. Stress-test your portfolio against different market scenarios and assess the right level of risk for you. Test drive multiple scenarios to compare options. What should you do for Social Security or health care? Comparing your options allows you to make the best choice for your retirement plan. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Empowering Caregivers: Avanlee Care Revolutionizes Senior Healthcare The aging population is rapidly growing. This demographic shift demands a new approach to healthcare, one that empowers family caregivers. Join us for our first podcast episode of 2025 as we chat with Avanlee Christine. A member of the StartUp Health community since 2022, Christine is the CEO & Founder of Avanlee Care, a platform that integrates caregivers into the healthcare of their aging loved ones. For almost every older person with a health concern there is an adult child who is worried and involved. In fact there are around 48 million unpaid family caregivers in the United States. Discover: How Avanlee Care is transforming the caregiver experience The benefits for health plans, particularly Medicare Advantage The power of family involvement in improving senior health outcomes This episode is a must-listen for anyone interested in senior care, family caregiving, and the future of healthcare for an aging population. Listen now and learn how Avanlee Care is changing the game. Are you ready to tell YOUR story? Members of our Health Moonshot Communities are leading startups with breakthrough technology-driven solutions for the world's biggest health challenges. Exposure in StartUp Health Media to our global audience of investors and partners – including our podcast, newsletters, magazine, and YouTube channel – is a benefit of our Health Moonshot Community Showcase Membership. To schedule a call and see if you qualify to join and increase brand awareness through our multi-media storytelling efforts, submit our three-minute application. If you're mission-driven, collaborative, and ready to contribute as much as you gain, you might be the perfect fit. Learn more and apply today. Want more content like this? Sign up for StartUp Health Insider™ to get funding insights, news, and special updates delivered to your inbox.

Medicare Advantage (MA) plans (also known as "Part C") are rapidly increasing in use, and beneficiaries' co-pay and claims denials are becoming more frequent. In today's episode, host Dr. Andrew Pouw talks with Academy billing and advocacy experts Joy Woodke and Brandy Keys to learn more about MA plans and their impact on patients and how ophthalmologists deliver care. To review the requirements put forth by your Medicare Administrative Contractor, visit the Academy's page on local coverage determination policies. For all episodes or to claim CME credit for selected episodes, visit www.aao.org/podcasts.

It's the "Medicare Advantage Open Enrollment Period" when you may escape from that MA trap and return to original Medicare if you like! Smart government authorities would authorize enrollment into Medicare MSA plans during this period. Maybe under the next administration! In The Medicare Advantage Minute: star ratings are taking a big hit as the scores are revised downward. One source is quoted as saying, "The quality of Medicare Advantage Plans ain't what it used to be"! Humana is bleeding providers to such an extent that the government is allowing some of their members to escape to new plans without a formal SEP! Two recent Humana heartbreakers are Sanford Health and Avra Health. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Most Medicare Advantage (MA) plans offer dental care coverage as a supplemental benefit. However,few beneficiaries are enrolled in an MA plan that provides comprehensive dental benefits. Lisa Simon, MD, DMD, discusses this and more with JAMA Deputy Editor Kristin L. Walter, MD, MS. Related Content: Availability of Dental Benefits Within Medicare Advantage Plans by Enrollment and County

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

Medicare MSA is alive and well in Wisconsin, just waiting for the right people to come along: Those who will fail Medicare supplement underwriting, those who want a $0 Medicare plan that will pay them cash each year, frequent travelers willing to trade a high deductible for $0 premium....only in Wisconsin! MA Minute: Providers are fed up with Medicare Advantage! When you acquire a Medicare supplement from, let's say Bob's Storm Door and Supplement  Company,  don't ask the office clerk "Do you accept Bob's Insurance"? She'll say, No, we don't" without even thinking. Aetna Medicare Advantage plans are struggling with last minute negotiations to keep Trinity Health (with 92 hospitals) in their networks. If my docs go away right after I could have selected a different plan during AEP, I would be really perturbed! Alicia & the Mister want to know, "Where is your 2025 edition???" I wish I had a good answer to that question! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Today, Paul talks about Medicare and Medicare Advantage plans. Listen along to hear why Paul is usually steering people away from Medicare Advantage Plans and some new research that explains their disadvantages. For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3Zqh7i3 Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B Collecting Social Security benefits is an important part of every retirement income plan, but the process can be complicated and confusing. In this episode of Retiring Today with Loren Merkle, we examine seven Social Security headlines and determine whether they are fact or fiction. These seven statements are vetted out in this episode. 1. Fact or Fiction: Social Security will run out of money before I retire. 2. Fact or Fiction: The surviving spouse, at full retirement age, generally gets 100% of the worker's basic benefit amount. 3. Fact or Fiction: An ex-spouse's benefit comes out of your own benefit. 4. Fact or Fiction: Social Security is all I need in retirement. 5. Fact or Fiction: I won't pay taxes on my Social Security benefit. 6. Fact or Fiction: Social Security is based on my top 35 wage-earning years. 7. Fact or Fiction: The annual COLA is guaranteed. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/49mxO2z Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1BOverwhelmed with all the options when it comes to Medicare in 2025? In this episode of Retiring Today, we break down the most critical Medicare updates that will help you make the best decisions for your retirement plan.Key topics:- A comprehensive breakdown of Medicare Parts A, B, C, and D- IRMAA and its impact on your Medicare premiums- Your Medicare options if you work past age 65- The triple tax advantage of HSAs- Complete explanation of the $2000 out-of-pocket maximums for Medicare Part DLoren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®https://merkleretirementplanning.com/staff-members/loren-merkle/AnnaMarie Morrow, Director of Medicarehttps://merkleretirementplanning.com/staff-members/annamarie-morrow/Molly Nelson, Host of Retiring Todayhttps://merkleretirementplanning.com/staff-members/molly-nelson/Chapter  00:00 Introduction00:29 The Inflation Reduction Act01:06 Medicare Part A, B, C, D02:33 Modified Adjusted Gross Income and IRMAA05:23 Medicare Planning in Your 50's06:22 Insulin Changes and Out-of-Pocket Maximums08:34 What To Do If You're Working Past 6510:30 The Triple Tax Benefit of HSAs12:10 What To Do If You Have Dependants on Your Insurance13:22 Out-of-Pocket Maximums Breakdown15:03 Annual Enrollment Period15:41 Medicare is not Set-It and Forget-It17:09 Inflation Reduction Act Section 155718:00 Outro--  This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  Stay entertained with family and friends with these games for large parties!   Gogogo! App Store: https://apps.apple.com/us/app/gogogo-the-party-game/id1517869671 Gogogo! Google Play: https://play.google.com/store/apps/details?id=com.Studiosaurus.Gogogothegame&hl=en_US Jackbox Games Official Website: https://www.jackboxgames.com/games/   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69 Budget-Friendly Streaming Services: https://link.chtbl.com/ASGA70 Educate Clients on OTC Benefits in Medicare Advantage Plans: https://link.chtbl.com/ASG626 How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710   References: “Are Your Games Family Friendly? What Are They Rated? – Jackbox Games.” Support Jackbox Games, support.jackboxgames.com/hc/en-us/articles/15794785491351-Are-your-games-family-friendly-What-are-they-rated. Accessed 14 Nov. 2024. Wiki, Contributors to Jackbox Games. “The Jackbox Party Pack (Series).” Jackbox Games Wiki, Fandom, Inc., www.jackboxgames.fandom.com/wiki/The_Jackbox_Party_Pack_(series)#The_Jackbox_Party_Pack_10. Accessed 14 Nov. 2024. “Party! Play Silly Party Games with Friends.” Gogogo, gogogo.gg/. Accessed 14 Nov. 2024. “Plan Your next Family Game Night with Jackbox Games.” Jackbox Games, hello.jackboxgames.com/jackbox-for-families/. Accessed 14 Nov. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

the deadline for Medicare's annual enrollment period, also known as AEP, is quickly approaching. And for those who qualify, the Medicare AEP is open now through December 7th. And this is going to be the last opportunity to secure comprehensive health coverage for 2025. And this includes Medicare Advantage plans, which are affordable and offer options beyond original Medicare. Joining me now, Gary Culp, the Chief Distribution Officer for Cigna Healthcare's Medicare Business, to tell us more about the different Medicare options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4eC5nPh Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B April 15th is an important tax date, but it may not be the most important when it comes to tax planning. In this episode of Retiring Today, we give you 5 strategies to think about when it comes to year-end tax planning. Learn why December 31st is so important when maximizing your tax benefits and retirement savings. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Haley Gutschenritter, CERTIFIED FINANCIAL PLANNER™https://merkleretirementplanning.com/staff-members/haley-gutschenritter/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

We're continuing our coverage about health care options for seniors. MTPR health care reporter Aaron Bolton is back to talk more about Medicare Advantage, Medicare plans run by private insurance companies.

In this episode of Retiring Today, host Molly Nelson and retirement planner Loren Merkle discuss the basics of Individual Retirement Accounts (IRAs). Learn about the evolution of IRAs since their creation in 1974, the tax advantages of making contributions, and the significance of rollover strategies from employer-sponsored plans, like a 401(k) or 403(b). They also discuss the impact of the sequence of returns risk for retirees, required minimum distributions (RMDs) and their tax implications, and the potential tax benefits of Qualified Charitable Distributions (QCDs). Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Medicare open enrollment has begun, and Montana medical providers want seniors to understand the tradeoffs that come with Medicare Advantage plans run by private insurance companies.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3AByl3Q Register for our next Journey to Retirement Online Workshop to learn about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B  In this episode of Retiring Today, we explore how inflation affects your retirement savings and discuss strategies to protect your nest egg. Learn essential retirement planning concepts to maintain your purchasing power throughout your retirement. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, CERTIFIED FINANCIAL FIDUCIARY®, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ --   This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.  Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Why are the sickest patients fleeing Medicare Advantage Plans later in life?  They are doing it in droves, says the Wall Street Journal—and it's costing taxpayers billions. We have a full rundown for you in the Market Intel Segment, then Medicare expert Shelley Grandidge joins us to talk talk it through. MASTERING MONEY is on the air!!

Mark Miller, Morningstar contributor, talks about the new $2,000 out-of-pocket cap for Medicare Part D coming in 2025. Plus, learn what you should know before switching between Medicare Advantage and traditional Medicare during open enrollment.Traditional Medicare vs. Medicare AdvantageWhy Seniors Shouldn't Just Roll Over Their Plans in 20252025 Medicare Part D ChangesMedicare's New Prescription Payment PlanWhat Should Seniors Do If Their Medicare Advantage Plan is Being Eliminated?What You Need to Know About Switching Between Traditional Medicare and Medicare Advantage  Where You Can Go to Get Help Choosing a New Medicare Plan Read about topics from this episode.  Medicare Open Enrollment: What to Know as You Enroll for 2025I'm 65 and Still Working. Should I Enroll in Medicare?Are Consumers Better Off With Medicare Plus a Medigap Plan?  What to watch from Morningstar.A Better Way to Use Leverage in Your ETF PortfolioApple Earnings Are on Deck. Will Apple Intelligence Help Drive iPhone Sales?Is Your Portfolio Built to Withstand a Market Rotation?Inherited IRA Rules: What You Need to Know Before 2025  Read what our team is writing:Mark MillerIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

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

ACA Open Enrollment & Non-Commissionable Medicare Advantage Plans! 

  Your clients may not be aware of extra benefits in select Medicare Advantage plans. Learn about OTC benefits and how you can educate your clients about them.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: How to Ask Your Current Clients for Referrals: https://ritterim.com/blog/how-to-ask-your-current-clients-for-referrals/ Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ Signs It's Time to Expand Your Insurance Portfolio & Make the Move: https://link.chtbl.com/ASG605 The Insurance Agent's Guide to Generating Referrals FREE eBook download: https://ritterim.com/insurance-referral-generation/ Understanding Medicare Advantage Training: https://ritterim.com/knight-school/solid-foundation/understanding-medicare-advantage/1/   References: GA Foods, GA Foods, www.gafoods.com/. Accessed 16 Aug. 2024. Freed, Meredith, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/. Freed, Meredith, et al. “Medicare Advantage in 2024: Premiums, Out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-premiums-out-of-pocket-limits-supplemental-benefits-and-prior-authorization/. “Medicare Monthly Enrollment.” Centers for Medicare & Medicaid Services Data, Centers for Medicare & Medicaid Services, 16 July 2024, https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment. Mom's Meals, Mom's Meals, www.momsmeals.com/. Accessed 16 Aug. 2024. SilverSneakers, SilverSneakers, https://tools.silversneakers.com/. Accessed 16 Aug. 2024. “Silver&Fit.” Silverandfit.com, Silver&Fit, www.silverandfit.com/. Accessed 16 Aug. 2024. Levy, Alexis, et al. “Supplemental Benefit Trends 2023.” HealthScape, Chartis, 14 Feb. 2023, www.healthscape.com/insights/supplemental-benefit-trends-2023/. Badger, Cary. “The Rise of Over-the-Counter Programs in Medicare Advantage Plans.” HealthScape, Chartis, 30 Apr. 2019, www.healthscape.com/insights/the-rise-of-over-the-counter-otc-benefits-in-medicare-advantage/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

If you would like to work with Christian on your Medicare Health Plan, we currently work with people in 45 states. Those are the states we currently are licensed in. Christian and Christian Brindle Insurance Services represents many of the top insurance companies in the Medicare industry. Contact us for more information:➡️Our Site: https://https://www.christianbrindleinsuranceservices.com/ ✅Call (801)-255-5340.

This episode explores the intricate and confusing world of Medicare with leading expert Danielle Roberts. Danielle is founding partner at Boomer Benefits, an agency that has helped thousands of ordinary Americans learn and navigate their entry into Medicare since 2005. She's also author of the bestselling book '10 Costly Medicare Mistakes You Can't Afford to Make'. Danielle breaks through the confusion and explains Medicare's history, enrollment rules, Parts A, B, C, and D, and the differences between Medigap and Medicare Advantage plans. Discover the importance of early planning, common pitfalls to avoid, and critical decisions about Medicare coverage.  

If you would like to work with Christian on your Medicare Health Plan, we currently work with people in 45 states. Those are the states we currently are licensed in. Christian and Christian Brindle Insurance Services represents many of the top insurance companies in the Medicare industry. Contact us for more information:➡️Our Site: https://https://www.christianbrindleinsuranceservices.com/ ✅Call (801)-255-5340.

Tune in to this episode of “Good Health, Better World” to learn more about the origins of Medicare, the types of benefits and services available through Medicare Advantage plans, and what is on the horizon for these plans in 2025. Hear perspectives from UPMC Health Plan and the Alliance of Community Health Plans (ACHP).Find show notes and additional information at upmchp.us/ghbw-s4ep4

Health New England Medicare Plan Specialist Lee Jaggi joins us to cover all the basics of Medicare, as those eligible head into open enrollment October 15 to December 7. He covers the difference between Medicare Part A & B, penalties for not signing up for Medicare in some circumstances, fewer private providers in the Berkshires and Western Mass for Medicare products, meaning a number of people will need to switch providers, Medicare Advantage Plans, supplemental plans and more. Lee also covers Point32Health's acquisition of Health New England and HNE's commitment to the community, his incredible involvement in the community, including the amazing cornhole program in all the Berkshire senior centers that Lee spearheaded with the support of Health New England and more! Lee can be reached at 413-233-3341 and email at rjaggi@hne.com. There are a number of upcoming Medicare meetings in Western Mass and in the Berkshires, click on this link: https://www.healthnewengland.org/medicare/session#!/ to get a complete list! **Lee Jaggi is a Licensed Medicare Plan Specialist for Health New England. Lee joined Health New England in 2012, and is the dedicated Medicare representative in Berkshire County. Cara Krol is a holistic energy healer and certified life coach. Her website for her business Balance & Bliss Wellness is https://balanceandblisswellness.com Cara is also the author of Fairy Slippers and Molly Saves the Bees: https://www.fairyslippers.info/books John Krol is the owner of One Eighty Media marketing agency: https://oneeightymedia.com/ a longtime radio/television and podcast host and producer. --- Support this podcast: https://podcasters.spotify.com/pod/show/john-krol/support

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Justin Elliott, an Insurance Advisor at PAX, to explore the intricacies of Medicare and Social Security. Together, they dive into the evolving healthcare landscape and the critical decisions retirees face when it comes to Medicare Supplements and Medicare Advantage Plans. Through clear explanations and real-world insights, Justin sheds light on the differences between these plans, how healthcare providers approach Medicare claims, and why the Social Security fund might be at greater risk than Medicare in the near future. The episode also emphasizes how PAX Financial stays ahead of these trends to better serve clients preparing for retirement. Key show highlights include: Understanding Medicare Supplements vs. Medicare Advantage Plans. Why Social Security might face more immediate financial challenges than Medicare. The impact of demographic shifts, with 10,000 people turning 65 every day, on the future of retirement services. Practical tips for navigating Medicare decisions as a retiree or for aging parents. Justin's key takeaway: “Be prepared to navigate a system that's constantly changing to ensure the best healthcare coverage.” Tune in to learn how these changes could affect your retirement and what steps you can take to stay informed. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, don't forget to share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.