Podcasts about Medigap

This week, join guest host Patrick Haraden from Lockton Companies in Boston for a discussion about Medicare. This episode of McNamara On Money features a practical conversation with experts from Abacus Business Consulting about the often-confusing world of Medicare. The discussion breaks down the major parts of the program, including Part A, which covers hospital care, and Part B, which covers outpatient medical services. The episode also explains the key differences between Medigap supplemental policies and Medicare Advantage plans, noting that Medicare Advantage often functions as a managed-care alternative to traditional Medicare. The guests offer important guidance for people who continue working past age 65, including how Medicare enrollment affects Health Savings Accounts and how to avoid costly late-enrollment penalties. Throughout the discussion, the experts emphasize that Medicare is not a one-size-fits-all decision. Choosing the right approach depends on each person's doctors, prescriptions, travel habits, health needs, and financial situation.

MEDICARE ADVANTAGE VS ORIGINAL MEDICARE: KEY DIFFERENCES WATCH ON YOUTUBE Thad Ismart, CFP®, ChFEBC, CEPS Senior Financial Planner, BWFA Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA's Thad about how to compare Medicare plans and what individuals should consider when evaluating coverage options. They explain the differences between Original Medicare and Medicare Advantage plans, along with how prescription coverage, Medigap policies, and supplemental benefits can affect overall costs. The conversation also covers travel coverage, plan comparisons, and why many individuals overpay simply because they do not review their options regularly. To better understand how Medicare planning fits into your broader retirement strategy, visit our Financial Planning services page. Read Full Description Choosing a Medicare plan involves more than comparing monthly premiums. Coverage, deductibles, prescriptions, and long-term healthcare needs can all impact which plan makes the most sense. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA's Thad about how to compare Medicare plans and evaluate different coverage options. They explain the differences between Original Medicare and Medicare Advantage plans, as well as how Medigap policies and prescription drug coverage fit into the overall picture. The discussion also highlights why many individuals overpay for Medicare. In many cases, people continue using the same plan year after year without reviewing costs or comparing alternatives. Travel coverage is another important consideration. Some Medicare Advantage plans may include coverage for healthcare outside the United States, while Original Medicare typically does not. The episode also explains why comparing plans regularly matters. Even when benefits remain similar, pricing can vary significantly between providers. Ultimately, Medicare planning requires balancing costs, flexibility, and healthcare needs. Understanding your options can help you make more informed decisions, avoid unnecessary expenses, and feel more confident about your healthcare coverage throughout retirement as healthcare needs and costs continue changing over time.

MEDICARE PLANNING: UNDERSTANDING YOUR MEDICARE OPTIONS WATCH ON YOUTUBE Thad Ismart, CFP®, ChFEBC, CEPS Senior Financial Planner, BWFA Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA's Thad about Medicare planning and the differences between Original Medicare and Medicare Advantage plans. They explain how Medicare works, what the different parts cover, and why choosing the right structure can impact both costs and coverage. The conversation also covers enrollment timing, penalties for late enrollment, and why reviewing prescription drug and supplemental coverage is important. To better understand how Medicare planning fits into your broader retirement strategy, visit our Financial Planning services page. Read Full Description Medicare planning can feel overwhelming, especially when trying to understand the differences between Original Medicare and Medicare Advantage plans. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA's Thad about how Medicare works and what individuals should consider before enrolling. They explain the different parts of Medicare, including Parts A, B, C, and D, along with how each type of coverage functions. The conversation also explores the differences between Original Medicare and Medicare Advantage plans. While Medicare Advantage offers a more streamlined, all-in-one approach, Original Medicare may provide more flexibility and lower costs in some situations. Enrollment timing is another important part of Medicare planning. Missing deadlines can result in permanent penalties, so it’s important to understand when to enroll and which exceptions may apply. The episode also highlights why reviewing prescription drug coverage and Medigap policies matters. Many individuals overpay simply because they do not compare plans or regularly review coverage options. Ultimately, Medicare planning involves balancing costs, coverage, and long-term healthcare needs. Understanding your options can help you make more informed decisions and avoid unnecessary expenses in retirement.

We break down the top 10 medicare supplement companies for 2026. Each ranking is based on financial strength, customer satisfaction data, pricing competitiveness, and rate increase history, the factors that matter most when you are choosing coverage you plan to keep for years.

Choosing a Medigap plan isn't just about price. This episode covers the top companies for 2026, why Plan G leads the pack, and how to avoid costly rate increases down the road. 

About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a firm dedicated to grounding financial advice in real-life events. With extensive experience in financial planning, Amy and her team focus on providing individuals with advice tailored to their unique circumstances. Known for her engaging and informative approach, Amy hosts the Money Roots podcast, where she delves into financial topics that matter most to everyday listeners.Episode Summary:In this enlightening episode of Money Roots, Amy Irvine, the insightful CEO and founder of Rooted Planning Group, tackles the intricate world of Medicare. As healthcare costs continue to rise, understanding Medicare becomes crucial for those planning their retirement years. Medicare, a government health insurance program, is often riddled with confusion due to its complex rules and options. Amy provides a deep dive into these rules, helping listeners navigate the choices available to them, emphasizing the importance of integrating Medicare decisions into overall financial planning.Medicare comprises several parts, each serving distinct purposes: Part A covers hospital stays, while Part B covers medical services, both under "Original Medicare." Parts C and D offer additional advantages through private insurers, adding complexity and choice to the benefit structure. Amy elucidates on the surprising costs associated with Medicare, particularly addressing IRMAA (Income Related Monthly Adjustment Amount), a surcharge affecting Part B and D premiums. Essential strategies are shared, helping retirees plan effectively, from the significance of annual reviews to adjusting for IRMAA expectations. Amy's insights highlight the complex decision-making required for comprehensive retirement planning.Key Takeaways:Medicare is a key consideration in financial planning for retirees due to its complexities and costs.Annual reviews of Medicare plans are essential, as healthcare needs, and associated costs can change.IRMAA adjustments can greatly impact Medicare premiums and require careful income planning.Choosing between Medigap and Medicare Advantage plans depends on individual healthcare needs and financial situations.Some techniques, like Roth IRA conversions and Qualified Charitable Distributions, can help manage healthcare costs.Notable Quotes:"Once you elect Medicare coverage and supplements, don't set it and forget it. This is something that you should review every single year during open enrollment.""Medicare's importance has only grown as healthcare costs have steadily risen.""IRMAA operates as a cliff... this can catch even savvy retirees by surprise if their income rises above certain levels.""Choosing between Medigap and Medicare Advantage plans is not just affected by healthcare requirements, but also by the financial risk profile.""Medicare planning is not a one-time decision; it requires annual review because... health status and income levels can all change."Resources:For more on Rooted Planning Group and the Money Roots podcast: Rooted Planning GroupAdditional resources and transcript of the episode can be found in the episode's show notes at www.rootedpg.com/podcasts/2026/4/14/navigating-medicare-key-insights-for-financial-planning-successListeners are encouraged to dive into the full episode to uncover detailed insights and practical strategies on effectively planning for healthcare costs in retirement. Stay tuned to Money Roots for more engaging discussions about money matters that support your life's events.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss emerging Medicare policy changes with Medicare specialist Sean Southard, focusing on a new Medicare pilot program introducing prior authorization into Original Medicare. This important conversation highlights how Medicare prior authorization could reshape retiree healthcare, especially for those relying on Medicare and Medigap plans for flexibility and simplicity in their retirement financial plan.Listen in to learn about how Medicare changes in 2026 may impact Healthcare in retirement, including new Medicare coverage rules and the evolving Medicare approval process. The discussion explains prior authorization explained in simple terms and explores how these changes may affect Medicare costs, access to care, and long-term retirement planning strategies for those looking to retire comfortably and secure your retirement.In this episode, find out:What Medicare prior authorization is and how it changes the current structure of Original MedicareDetails of the Medicare pilot program launching in select states and what it could mean nationwideHow Medicare and Medigap plans may be impacted by new Medicare policy changesWhich procedures may require approval under new Medicare coverage rulesHow these changes could affect your retirement checklist and overall plan for retirementTweetable Quotes:“Prior authorization is about checking before a procedure happens instead of paying first and reviewing later—and that's a big shift for Original Medicare.” – Murs Tariq“Even if this starts as a small pilot program, the writing on the wall suggests it could expand and impact how retirees experience Medicare nationwide.” – Radon StancilAs Medicare for retirees continues to evolve, understanding changes like prior authorization is essential for building a strong retirement financial plan. While the goal of these Medicare policy changes is to reduce fraud, waste, and rising Medicare costs, they may also introduce new administrative steps, potential delays, and added complexity in accessing care.For those focused on planning retirement, staying informed about healthcare in retirement is just as important as managing investments. Whether you rely on Original Medicare, supplement with Medigap plans, or are evaluating options, being proactive about these changes can help you better plan for retirement, update your retirement checklist, and continue retiring comfortably with confidence.Resources: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.

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Ep 120: In this episode of the Retirement Success in Maine Podcast, we revisit one of the most important decisions retirees face: Medicare. Our guest, Ann Shea, Medicare Supervisor at the Eastern Area Agency on Aging, shares practical insights about how Medicare works in 2026 and beyond, including changes to prescription drug costs, Medicare Advantage plans, and rising premiums. Our conversation breaks down the differences between Original Medicare, Medigap, and Medicare Advantage, explains how to evaluate your options, and highlights common mistakes retirees make when choosing coverage. If you're approaching age 65 or helping a loved one navigate Medicare, this episode will help you better understand your choices and make more confident decisions. Chapters Intro: Medicare and Retirement Planning [00:00] Meet Ann Shea and the Eastern Area Agency on Aging [02:00] Understanding Medicare Basics [08:00] Medicare Advantage vs. Original Medicare [23:00] Medicare Costs and Prescription Drug Changes [33:30] When and How to Review Your Medicare Coverage [43:00] Advice for People Approaching Medicare [49:00] Ann's Retirement Success and Final Thoughts [52:00]

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Medicare is one of the most confusing parts of retirement planning. In this episode, Alex and Wade break down the basics, including the difference between Medicare Parts and Plans and the key choice retirees face between Original Medicare (Parts A, B, and usually D with a supplement) and Medicare Advantage (Part C). They discuss the tradeoffs between lower premiums and provider flexibility, how Medigap supplements like Plan G can reduce out-of-pocket costs, and why switching from Medicare Advantage to a supplement later may not always be possible. The conversation also touches on what Medicare does not cover and how retirees can estimate healthcare costs as part of their retirement plan. Listen now to learn more! Takeaways Most Americans become eligible for Medicare at age 65.  Retirees must choose between Original Medicare (Parts A, B, and usually D) or Medicare Advantage (Part C). Medigap supplements, such as Plan G, can help cover deductibles and coinsurance with Original Medicare. Original Medicare offers broader provider access, while Medicare Advantage often has lower premiums but network restrictions.  Switching from Medicare Advantage to a supplement later may require medical underwriting. Dental, vision, hearing, and long-term care are generally not fully covered by Medicare.  Retirees can compare options using Medicare.gov's Plan Finder or an independent broker.   Chapters 00:00 Introduction to Medicare and Health Care in Retirement 02:09 Understanding Medicare Parts A, B, C, and D 07:15 Medicare Supplements: Plans A through N 14:07 Comparing Medicare Advantage and Original Medicare 19:39 Navigating Medicare Enrollment and Budgeting for Health Care   Links

Trying to understand what you'll actually pay for healthcare on Medicare? In this episode, we compare the coverage transparency of Medicare Supplement vs. Medicare Advantage and explain why many retirees prefer the financial predictability of Medigap. Learn how clearer benefits, fewer surprise costs, and simpler coverage can make a big difference when planning for healthcare in retirement. 

Every day, nearly 11,000 Americans turn 65—ushering in what experts call the “Silver Tsunami.” Yet for many, one of the most daunting aspects of aging well isn't physical decline, but navigating the complexity of Medicare. In this episode of The Aging Well Podcast, Dr. Jeff Armstrong sits down with financial journalist and longtime AARP contributor Kimberly Lankford, author of the new book Medicare 101, to decode one of the most important—and confusing—systems older adults must face.Kimberly breaks down Medicare Parts A, B, C, D, and Medigap in clear, practical terms, helping listeners understand how to compare plans, anticipate costs, avoid common (and costly) mistakes, and make confident decisions that support long-term health and financial well-being. Whether you're approaching 65, caring for aging parents, or simply planning ahead, this episode provides a roadmap for navigating Medicare with clarity and confidence.Learn more about Kimberly Lankford at https://kimberlylankford.com/BUY Medicare 101 on Amazon and support this podcast* at https://amzn.to/4tcwOYwPlease, support The Aging Well Podcast by hitting the ‘like' button, subscribing/following the podcast, sharing with a friend, and….Tip Jar! All donations support this podcast to keep it going. BUY the products you need to… age well from our trusted affiliates and support the mission of The Aging Well Podcast*.The Aging Well Podcast merchandise | Show how you are aging well | Use the promo code AGING WELL for free shipping on orders over $75 | https://theagingwellpodcast-shop.fourthwall.com/promo/AGINGWELLAuro Wellness | Glutaryl—Antioxidant spray that delivers high doses of glutathione (“Master Antioxidant”) and the new Copper Tripeptide (GHK-Cu) | 10% off Code: AGINGWELL at https://aurowellness.com/agingwellpodcastBerkeley Life | Optimize nitric oxide levels | Purchase your starter kit at a 15% discount | Use the promo code: AGINGWELL15 | https://berkeleylife.pxf.io/c/6475525/3226696/31118Oxford Healthspan | Primeadine®, a plant-derived spermidine supplement | 10% off code: AGINGWELL | https://oxford-healthspan.myshopify.com/AgingWellJigsaw Health | Trusted supplements. “It's fun to feel good.” | Click the following link and use the discount code AGINGWELL for 10% off: https://www.jigsawhealth.com/?rfsn=8710089.1dddcf3&utm_source=refersion&utm_medium=affiliate&utm_campaign=8710089.1dddcf3KneeMo | A smart device programmed to reduce your knee pain and keep you moving. | Click the following link and use the discount code AGINGWELL15 for 15% off: https://thekneemo.com/ref/agingwellProlon | The Fasting Mimicking Diet (FMD) is a revolutionary five-day nutrition program scientifically formulated to mimic the effects of a prolonged water fast while still allowing nourishment - supporting the benefits of fasting without the challenges and risks that come from water-only fasts. | For the best available discount always use this link: https://prolonlife.com/theagingwellpodcastThrive25—Your personal longevity advisor | https://www.thrive25.com/early-access?via=william-jeffreyFusionary Formulas | Combining Ayurvedic wisdom with Western science for optimal health support. | 15% off Code: AGINGWELL | https://fusionaryformulas.com?sca_ref=9678325.IHg5xYhdOzzke8ZrDr Lewis Nutrition | Fight neurodegeneration and cognitive decline with Daily Brain Care by Dr Lewis Nutrition—a proven daily formula designed to protect and restore brain function. | 10% off code: AGINGWELL or use the link: https://drlewisnutrition.com/AGINGWELLTruDiagnostic—Your source for epigenetic testing | 12% off Code: AGEWELL or use the link: https://shop.trudiagnostic.com/discount/AGEWELL*We receive commission on these purchases. Thank you.

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Want access to the best hospitals when it matters most? In this episode, we compare Medicare Supplement vs. Medicare Advantage and explain why many retirees choose Medigap plans for greater medical access, fewer restrictions, and more predictable healthcare costs. Learn how your Medicare choice can impact your ability to receive care at top hospitals and specialists nationwide. 

Looking for greater peace of mind in retirement? In this episode, we explore why Medicare Supplement plans are designed to provide stability and confidence—offering predictable healthcare costs, nationwide access to doctors and hospitals, and the flexibility to live and travel without network restrictions. Learn how Medigap coverage can help protect both your health and your retirement lifestyle. 

Are you a veteran trying to choose between Medicare Supplement and Medicare Advantage? In this episode, we break down how each option works alongside your VA benefits. Discover how Medigap plans can offer nationwide doctor access, more predictable healthcare costs, and the freedom to seek care outside the VA system when you need it—giving you greater flexibility and peace of mind in retirement. 

Discover exactly how the Medigap free look period protects you. Learn how to test a new Medicare Supplement policy for 30 days without losing your current coverage.

Medicare is a cornerstone of most retirement plans, but it's also a brand-new system for people who've spent decades on employer coverage. Melissa Joy, CFP® sits down with Cameron Giardini of to break down what Medicare is, when you actually need to enroll, and how to avoid the most common (and costly) mistakes.They cover the major coverage paths (Original Medicare + Medicare Advantage vs Medigap), why your first enrollment decision at 65 can affect your options later, and what higher earners need to know about IRMAA surcharges. Cameron also explains a key HSA pitfall, shares what's changing heading into 2026, and points listeners to free education resources to start learning without overwhelm.What You'll LearnWhat Medicare is (and isn't), and when it typically startsWhen to begin planning, and how to check eligibility and costsWhen you can delay Medicare past 65 without penaltiesThe key decision: Medicare Advantage vs Medigap (and what each really means)Why your first Part B enrollment window matters for lifetime flexibilityWhat IRMAA is, how it's calculated, and how to appeal it after retirementHow HSAs interact with Medicare and what not to do at 65What's getting more expensive in 2026 and why “choice” may continue shrinkingHow adult children can help parents by first identifying what coverage they actually haveConnect with Cameron: https://gmedicareteam.com/Youtube: www.youtube.com/@GiardiniMedicareThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Have a client that wants to switch Med Supp plans? If they live in a Med Supp birthday rule state, it might be easier than you think! Learn more about the states and their rules in this ASG Podcast episode.   Read the text version  

If you're approaching age 65, Medicare can feel overwhelming fast. Between Parts A, B, C, and D and the timing rules tied to each—it's easy to make a costly mistake if you don't understand how the pieces fit together. In this episode, I walk through the Medicare "alphabet," explaining what each part does, when enrollment matters most, and how your decisions interact with the rest of your retirement plan. We also cover common questions that come up when clients transition from employer-sponsored coverage to Medicare for the first time. Whether retirement is right around the corner or still a few years away, this episode is designed to help you avoid penalties, coverage gaps, and surprises down the road. You will want to hear this episode if you are interested in... [00:00] Understanding Medicare Parts A, B, C, and D [01:00] When you can delay Medicare without penalties [02:30] How late enrollment penalties actually work [06:00] Timing Medicare enrollment to avoid coverage gaps [07:30] What Medicare does—and does not—cover [10:00] Medicare Advantage vs. supplemental coverage [14:00] How state rules can affect your long-term options Why Medicare Timing Matters Medicare isn't just about what coverage you choose it's also about when you enroll. Missing key enrollment windows can trigger penalties that last for life, even if the mistake was unintentional. In this episode, I explain the rules around initial enrollment, special enrollment periods, and why employer coverage plays such a critical role in determining your options. Choosing Between Medicare Advantage and Supplemental Coverage Once you enroll in Parts A and B, you still need to decide how to fill the gaps. Medicare Advantage plans and Medigap policies take very different approaches to coverage, costs, and flexibility. I outline how these options compare, what tradeoffs to be aware of, and why the "best" choice depends heavily on your health, preferences, and where you live. Building Medicare Into Your Retirement Plan Medicare decisions don't exist in a vacuum. Premiums, out-of-pocket costs, and coverage choices all affect cash flow in retirement. In this episode, I explain how to think about Medicare as part of a larger retirement strategy, not just a healthcare decision—so your plan stays aligned as you transition out of the workforce. Resources Mentioned RetireWithRyan.com Medicare.gov Connect With Ryan Subscribe to the Retire With Ryan YouTube Channel Download my entire book for FREE  

Traveling outside the U.S.? In this episode, we explain how Medicare Supplement plans can help cover foreign travel emergency medical costs—and what Medicare typically won't pay for overseas. Learn the key differences between Plan G, Plan N, and other Medigap options, so you can travel with confidence while protecting both your health and your wallet. 

Is a Medicare Supplement plan really worth the premium? In this episode, we break down the true price vs. value of Medigap coverage—comparing monthly costs to potential out-of-pocket exposure, long-term savings, and the peace of mind that comes with predictable healthcare expenses. Get the clarity you need to decide if the investment pays off for your retirement. 

The changes to federal- and state-run health insurance programs can be confusing, especially since some of the changes haven't been implemented yet and others are being challenged in court. How will these changes affect people with metastatic breast cancer?  This podcast is the audio from a special Virtual Support Group featuring guest moderator Joanna Doran. Listen to the episode to hear Joanna explain: what short-term health insurance plans are and what they may not cover what Medigap plans are and how they're purchased Medicaid work requirements and required documentation differences between Medicare parts A, B, C, and D

Concerned about unexpected medical bills in retirement? In this episode, we explain Medicare excess charges—what they are, how much they can cost, and why they catch so many people off guard. Discover how Medicare Supplement Plan G can help protect your finances and provide greater peace of mind. Ready to safeguard your coverage? Get your free quote today.  

Are you looking for tools that clarify, simplify, and anchor faithful stewardship in biblical wisdom? That question has shaped our vision for the newly updated FaithFi app—a discipleship tool designed to help you build financial rhythms that bring peace, clarity, and Christ-centered focus to your money decisions.To help unpack what's new, we sat down with Chad Clark, Chief Technology Officer at Kingdom Advisors and FaithFi. Chad has led the development of the FaithFi app since day one, shaping it into a tool that serves real families seeking to honor God with His resources.When the app first launched, the goal was straightforward: build a biblical stewardship tool that was both practical and accessible. Early versions focused primarily on budgeting and cash-flow management. Over time, the app expanded to include a robust content library of articles, podcasts, and videos, along with a community discussion board—features that helped users learn and encourage one another.This latest update is the biggest we've ever released, and Chad explains what guided the development:“One of the most important questions we can ask when building technology is: How do we make it simpler for the user? Money can be complex. Budgeting software shouldn't make it harder.”To solve that problem, the update introduces:Secure bank connections for importing balances and transactionsNew simplified budgeting tools that make setup easyImproved automated categorization to reduce manual workThese upgrades are designed to help users spend less time tinkering with tools and more time reflecting on the why behind their financial decisions.One of the standout features in the new update is something we're calling Rhythms—structured daily, weekly, and monthly check-ins that help users slow down, reflect, and respond thoughtfully rather than react impulsively.Daily rhythms pair brief transaction reviews with short devotionals and reflection questions. Weekly and monthly rhythms zoom out, helping users observe habits, cash-flow patterns, and financial goals—all with suggested adjustments and heart-level reflection prompts.Chad notes that these rhythms are especially powerful for couples who want to cultivate greater unity and shared stewardship. With a simple weekly or monthly check-in, couples can talk, plan, pray, and adjust together.The update also brings FaithFi content directly into the app in a more seamless and beautiful way. Faithful Steward magazine articles will now have a mobile expression, and studies and devotionals will soon follow. It's one more way the app is becoming a true financial discipleship environment rather than just a budgeting tool.The app now includes optional AI features—but with intentional guardrails. All AI is opt-in, self-hosted, and never sent to third-party models. The goal isn't novelty or complexity; it's simply to automate tedious workflows and simplify budgeting so users can focus not merely on what they're doing with money, but why.“The goal,” Chad says, “is to help people be attentive and obedient to what God is calling them to do with what He's entrusted to them.”Stewardship grows when we slow down, pay attention, and invite God into the decisions we make with His resources. The updated FaithFi app was built to help you do exactly that—establishing rhythms that encourage wisdom, gratitude, reflection, unity, and greater participation in God's Kingdom work.The new version is available now. Just search FaithFi in your app store, or visit FaithFi.com and click App.On Today's Program, Rob Answers Listener Questions:I have an annuity that will mature in a year or two. It originally came from an IRA. What are my options once it matures—should I roll it into another annuity or back into an IRA?If I have a Medigap supplemental policy, do I need both Medicare Part A and Part B, or just one of them?I don't understand why prices keep going up instead of stabilizing. Why does inflation happen in simple terms?You mentioned recently that students can now get on the Certified Kingdom Advisor track. How could a university start offering that program?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Kingdom Advisors University PartnershipsOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

This is episode 131, “Helpful, but Should be Unnecessary.” In this episode, host Joe Sparks explains how the new Virginia Medigap Birthday Rule law helps people who have Medigap plans, also known as Medicare Supplement plans. He also discusses why the benefits provided by this law would be even better with Medicare for All.  Do not miss this episode as host Joe Sparks explains the benefits of this new law and how it could reduce your Medigap premiums in Virginia. As I said in this podcast episode, there are several other states that have similar programs. The specific details vary by state, so make sure to check the particulars for your state. Here is the list of states with similar programs: California, Connecticut, Idaho, Illinois, Kentucky, Louisiana, Maine, Maryland, Missouri, Nevada, New York, Oklahoma, Utah, Oregon, and Wyoming.  

Hans and Robby are back again this week with a brand new episode! This week, they discuss medicare supplement "Medigap" for 2026.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

      MEDICARE ADVANTAGE MINUTE:                                                           WATCH OUT FOR THE "MEDIGAP TRAP"                       YOUR MEDICARE BENEFIT 2025:                                                        URGENTLY NEEDED CARE        OBAMACARE: the parties are preparing to wrestle over the imploding health insurance plans we have been stuck with for 15 years. The Dems want to keep it limping along as the next step towards socialized health insurance while the Republicans want to begin a trend toward privatization via establishment of Health Savings Accounts (HSAS). Norb writes to share the advice he got from a local Bay Area Medicare broker who made up some crap about HDG resulting in claim problems as the insured's age. I explained that was not true and used my personal experience as proof. Epilogue: He decided to ignore me and purchase the expensive Plan G rather than my recommended High Deductible Plan G. The episode, which began with sports trivia ends with a rousing series of Christmas trivia questions.                                                      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!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

In this episode of the 9Innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down the most important financial planning considerations retirees need to understand heading into 2026. Kevin explains key tax changes, including the Enhanced Senior Deduction and the new above-the-line auto loan interest deduction, and outlines strategies for maximizing the standard deduction. He also discusses rising Medicare premiums, IRMAA exposure, and how to evaluate Medicare Advantage versus Original Medicare with Medigap. Throughout the episode, Kevin emphasizes proactive planning to manage taxes and healthcare costs, helping retirees make informed decisions and protect long-term retirement income.Enhanced Senior Deduction (00:01:07)Above-the-Line Car Loan Interest Deduction (00:03:12)Stacking Deductions and Standard Deduction Planning (00:04:21)Medicare Premiums and IRMAA (00:05:31)IRMAA Triggers and Tax Coordination (00:07:55)Medicare Advantage vs. Original Medicare (00:08:52)Medigap and Underwriting Considerations (00:10:39)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Every year, Medicare Open Enrollment presents an important opportunity for retirees and individuals enrolled in Medicare to review, update, and make changes to their health and prescription drug coverage. If you're on Medicare or approaching retirement, understanding the enrollment period and your options is crucial to ensuring comprehensive and cost-effective health care. I'm sharing the seven essential things you need to know to make the most of this important window. Whether you're already enrolled in Medicare or want to stay ahead of your retirement planning, I explain key dates, your options for switching plans, how to review or update your prescription drug coverage, and what to do if your health or coverage needs have changed.  Tune in to learn about navigating Medicare Advantage, Medigap, and everything you should consider before December 7th to keep your health and finances on track as you plan your ideal retirement. You will want to hear this episode if you are interested in... [01:56] Seven key things to know about Medicare open enrollment. [03:04] Making changes to your Medicare supplemental coverage. [04:30] Prescription drug plan options. [05:21] How to evaluate and change Medicare Advantage plans. 07:30] Switching from a Medicare Advantage plan to a Medigap plan. [12:17] Effective dates for making Medicare Changes. What Is Medicare Open Enrollment? Medicare Open Enrollment occurs annually from October 15th to December 7th. During this time, anyone currently enrolled in Medicare has the chance to make changes to their coverage. This window allows you to switch plans, sign up for supplemental coverage, or alter your prescription drug benefits, flexibility that's vital as your health needs or financial circumstances shift. It's important to note that this period is only for those already enrolled in Medicare, not for newly eligible individuals. This annual period matters for anyone with existing Medicare coverage. If you're new to Medicare, say, your 65th birthday is coming up, your initial enrollment period is separate, and open enrollment won't apply until the following year. Retirees and older people who have already navigated their initial sign-up should take advantage of open enrollment to ensure their health plan continues to meet their needs. Your Medicare Options Medicare coverage comes in several forms: Original Medicare (Parts A & B): Provides hospital and medical insurance. Medicare Advantage: All-in-one alternatives to Original Medicare, often with additional benefits and lower out-of-pocket costs. Medigap (Medicare Supplement): Offers extra coverage to help pay healthcare costs not covered by Original Medicare. Open enrollment is your chance to change from one type to another, such as moving from a Medicare Advantage plan to a Medigap policy or vice versa. Switching plans can bring savings or better coverage, depending on your health situation, but there are specific rules, like the six-month initial enrollment for Medigap and state-specific regulations, that you must navigate. Prescription Drug Plans: Reviewing and Updating Part D Prescription needs often change, and so do the offerings of Part D drug plans. This period lets you join, drop, or switch your drug coverage. If your current plan is discontinuing a medication you rely on or raising costs, research alternatives in your area. Lack of creditable drug coverage carries penalties, making it important to have either Part D or a Medicare Advantage plan with drug benefits. Switching Medicare Advantage Plans Medicare Advantage plans differ in costs, networks, and coverage options, and these can change each year. If your doctors are no longer covered or prescription benefits shift unfavorably, open enrollment is the time to shop for a better-fitting plan. Changes due to pricing or plan termination also allow you to choose a new plan that better fits your situation for the upcoming year. Understanding Medigap Eligibility and State Rules Switching from Medicare Advantage to Medigap isn't always straightforward, especially after your initial six-month enrollment window. Some states, including Connecticut, New York, and Massachusetts, offer more flexibility, letting you change plans without penalties for pre-existing conditions. Outside of these areas and time frames, you may face higher premiums or coverage denial unless a “guaranteed issue period” applies, such as following a plan termination or a move to a different state. Timing and Next Steps Any changes you make during Medicare Open Enrollment become effective January 1st of the following year. It's important to act before the December 7th deadline, so plan ahead, review notices, research alternatives, and consult with trusted advisors if you're unsure. Keeping up annually ensures your coverage fits your evolving health needs and budget. Medicare Open Enrollment can feel overwhelming, but it's a vital tool for retirees aiming for optimal care and cost efficiency. Stay informed, review your options, and take charge of your retirement health plan this open enrollment season. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Avoid These Seven Medicare Enrollment Mistakes and Protect Your Finances, #271  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠✅ Call us: (801) 255-5340

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠✅ Call us: (801) 255-5340

Are you getting what you pay for with your Medicare plan? This eye-opening conversation between healthcare insiders Nathan Kaufman and Rich Helppie pulls back the curtain on what they provocatively call "Medicare Disadvantage" plans.When something sounds too good to be true, it usually is. Medicare Advantage plans tempt seniors with zero premiums, dental coverage, vision benefits, and even gym memberships. But these apparent perks mask a troubling reality: significantly restricted healthcare options when serious illness strikes. Our experts explain how insurance companies profit from delaying and denying care while creating increasingly narrow provider networks that limit access to specialists and top medical centers.The most alarming revelation? The trap many seniors find themselves in when they discover these limitations. Once enrolled in Medicare Advantage, leaving becomes nearly impossible if you develop a serious condition, as new supplemental plans can exclude pre-existing conditions. Meanwhile, those with Traditional Medicare maintain freedom to choose providers nationwide, including prestigious research hospitals like Mayo Clinic or MD Anderson, without administrative barriers or insurance company gatekeepers.For anyone approaching Medicare eligibility or reconsidering their current coverage, this episode provides crucial guidance. Our experts recommend a clear path: Medicare Parts A, B, and D, plus a comprehensive Medigap policy. While this combination involves upfront premiums, it offers something priceless: control over your healthcare decisions precisely when you need it most.Subscribe to Healthcare Bridge on your favorite podcast platforms or find us at the Common Bridge on Substack to continue exploring the vital connections shaping our healthcare landscape. Your health decisions matter—make them with complete information.Support the showEngage the conversation on Substack at The Common Bridge!