Podcasts about Medigap

Episode 594: Don't get blindsided by out-of-pocket costs—Steve and Zach break down the must-know facts on Medigap. In part two, the Money Doctors explain how a simple trading mistake could cost you your tax break.

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.

https://www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/ 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.

Thinking about collecting Social Security while you're still working? It's a tempting option, but there are several crucial mistakes you'll want to avoid. Using real-life stories, I'm laying out the four big pitfalls, like earning over the social security limit, jeopardizing your health savings account, mishandling Medicare enrollment, and forgetting about tax withholding. These missteps can lead to unnecessary penalties, and so I want to give some actionable strategies to help you make the most of your benefits without unpleasant surprises.  You will want to hear this episode if you are interested in... [00:00] Four key factors to consider before collecting Social Security while you're still working. [06:04] Collecting benefits while working can affect HSA contributions. [07:40] Stop HSA contributions six months before enrolling in Medicare Part A to avoid penalties. [13:32] Enrolling in Medicare Part B while having employer insurance is unnecessary, as employer coverage remains primary. [14:33] Medigap timing and social security taxes. [15:21] Social Security is taxable income for most people, which means that you will owe income tax on that money. Choosing when and how to collect Social Security is complex, especially if you intend to keep working beyond age 62. While the prospect of “double-dipping” might seem appealing, several critical factors can impact your overall benefit, tax situation, and healthcare coverage. Here are the four big mistakes I often see: 1. Exceeding the Social Security Earnings Limit One of the biggest mistakes is not understanding the earnings limit set by Social Security for those who collect benefits before reaching their full retirement age (FRA). If you start taking benefits before your FRA, which currently ranges from 66 to 67 depending on your birth year, your benefits may be reduced if your annual earnings exceed a certain threshold. Before FRA: For every $2 you earn over this limit, Social Security will deduct $1 from your benefits. The year you reach FRA: The limit jumps to $62,160, but the calculation changes to $1 withheld for every $3 over the limit, and only the months before your birthday month are counted. After FRA, there is no longer an earnings cap; you can earn as much as you want without reducing your benefits. Failing to plan for these restrictions can lead to a surprise clawback, so calculate your annual income carefully if you plan to collect early. 2. Losing Eligibility to Contribute to an HSA If you're enrolled in a high-deductible health plan and are contributing to a Health Savings Account (HSA), be wary: Once you enroll for Social Security after age 65, you're automatically enrolled in Medicare Part A. By law, you cannot contribute to an HSA while on Medicare. To make matters more complex, Medicare Part A enrollment is retroactive up to six months, and any contributions made to your HSA during that period will be considered excess contributions, exposed to a 6% IRS penalty unless withdrawn in time. Before you trigger Social Security benefits, stop your HSA contributions (and your employer's) at least six months in advance to avoid penalties and the loss of valuable tax deductions. 3. Accidental Enrollment in Medicare Part B Some assume that enrolling in Medicare Part B is required or beneficial while they keep their employer coverage, but that's not always the case. If your employer has 20 or more employees and you're covered under their group health insurance, your employer's plan remains primary, and Medicare Part B is unnecessary and costly, with premiums starting at $185/month and higher for high earners. Enrolling in Part B during this period can limit your future ability to buy a Medigap policy with automatic acceptance (no health questions or exclusions for pre-existing conditions). Unless you're losing employer coverage, it's usually best to delay enrolling in Part B and carefully respond to any enrollment communications from Social Security. 4. Not Withholding Enough Taxes on Social Security Payments Social Security benefits are taxable for most retirees, especially if you're still working. You need to anticipate the added income and withhold sufficient federal (and potentially state) taxes to avoid underpayment penalties. You can file IRS Form W-4V to have Social Security withhold federal tax from each payment, choosing between 7%, 10%, 12%, and 22%. Alternatively, increase withholding at work or make estimated tax payments. Planning ahead ensures you won't face a large bill come tax time. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

https://www.justice.gov/opa/pr/united-states-files-false-claims-act-complaint-against-three-national-health-insurance 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.

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.

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.

In this episode of Curry Café, hosted by Ray Gary with Rick McNamer and Michael Gorse, guest Pamela Thorsch sheds light on the financial strain caused by rising Medigap premiums, corporate price gouging in healthcare, and the lack of transparency in insurance practices. The conversation critiques the U.S. healthcare system for prioritizing profit over patient […]

Richard & Jonathan discuss market activity for the week; the price of admission that investors must pay. Consumers (and companies) do not have a lot of pricing power. The European Conundrum: What happens when the US drops Ukraine support? Tariff talk & pressure on small cap companies; why we don't have to be invested in every asset class (where diversification really came from). Dad pants, Build-a-Bear, learning to give up some stocks, and a bear market mood. The impact of tariffs and the velocity of Trump agenda. Market trepidation; William Shatner should've been hired to pitch Conn's. Phobias: Ketchup, heights, & Sansabelt pants; more market commentary and planning around Sunset Laws. Dealing w Roth IRA vs Roth 401k rules differences. The flaw in investing to avoid paying taxes (hint: If you're paying taxes, you're making money.) Tax planning should occur all year long. Gifting custodial accounts.  Richard & Jonathan are covering the 7am CST hour for the host of our terrestrial Radio partner; think of it as a bonus show: Markets aren't Red or Blue, per elections, but Green; learning from mistakes we made curing COVID; deflation and price consciousness; why tariffs will not be inflationary;; consumers will make product substitutions. Why Social Security has become the defacto pension; notes from William Shatner's "Wrath of Khan" presentation: How to plan for outliving your money. living to 100. How to properly claim Social Security; plan for "break-even." Thinking of Social Security as a longevity annuity. Al Pacino Cappucino and how Taylor Swift dodged a bullet. UnitedHealthcare's irregular medicare billings; Medicare Advantage vs MediGap coverages. Financial Planning & Having Kids; Retirement is all about income. Is a guaranteed income a "license to spend?" A look at how retirees spend; tariffs will not create inflation, but will reduce earnings & profits for companies. SEG-1: The Price of Admission Investors Must Pay SEG-2: Why We Don't Have to be Invested in Every Asset Class SEG-3: Financial Planning for Sunset Laws SEG-4: The Flaw in Tax Avoidance Investing SEG-5: Markets Aren't Red or Blue; They're Green SEG-6: Williams Shatner & Planning for Longevity SEG-7: UnitedHealthCare & Irregular Medicare Billing SEG-8: Retirement is All About Income Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE: https://streamyard.com/watch/Gy68mipYram2 ------- Watch today's full show video here: https://www.youtube.com/watch?v=Im4-UkJTRuM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Our previous show is here: "Why Bitcoin Will Not Replace the Dollar," https://www.youtube.com/watch?v=M-v7Z4cEX1E&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BearMarket #StockMarketCrash #RecessionProof #MarketVolatility #InvestWisely #InvestingAdvice #Money #Investing

Richard & Jonathan discuss market activity for the week; the price of admission that investors must pay. Consumers (and companies) do not have a lot of pricing power. The European Conundrum: What happens when the US drops Ukraine support? Tariff talk & pressure on small cap companies; why we don't have to be invested in every asset class (where diversification really came from). Dad pants, Build-a-Bear, learning to give up some stocks, and a bear market mood. The impact of tariffs and the velocity of Trump agenda. Market trepidation; William Shatner should've been hired to pitch Conn's. Phobias: Ketchup, heights, & Sansabelt pants; more market commentary and planning around Sunset Laws. Dealing w Roth IRA vs Roth 401k rules differences. The flaw in investing to avoid paying taxes (hint: If you're paying taxes, you're making money.) Tax planning should occur all year long. Gifting custodial accounts. Richard & Jonathan are covering the 7am CST hour for the host of our terrestrial Radio partner; think of it as a bonus show: Markets aren't Red or Blue, per elections, but Green; learning from mistakes we made curing COVID; deflation and price consciousness; why tariffs will not be inflationary;; consumers will make product substitutions. Why Social Security has become the defacto pension; notes from William Shatner's "Wrath of Khan" presentation: How to plan for outliving your money. living to 100. How to properly claim Social Security; plan for "break-even." Thinking of Social Security as a longevity annuity. Al Pacino Cappuccino and how Taylor Swift dodged a bullet. UnitedHealthcare's irregular medicare billings; Medicare Advantage vs MediGap coverages. Financial Planning & Having Kids; Retirement is all about income. Is a guaranteed income a "license to spend?" A look at hour retirees spend; tariffs will not create inflation, but will reduce earnings & profits for companies. SEG-1: The Price of Admission Investors Must Pay SEG-2: Why We Don't Have to be Invested in Every Asset Class SEG-3: Financial Planning for Sunset Laws SEG-4: The Flaw in Tax Avoidance Investing SEG-5: Markets Aren't Red or Blue; They're Green SEG-6: Williams Shatner & Planning for Longevity SEG-7: UnitedHealthCare & Irregular Medicare Billing SEG-8: Retirement is All About Income Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE: https://streamyard.com/watch/Gy68mipYram2 ------- The latest installment of our new feature, Before the Bell, "Weighted Indexes Drive Markets Once Again," is here: https://www.youtube.com/watch?v=_9YgTKhf0IU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Why Bitcoin Will Not Replace the Dollar," https://www.youtube.com/watch?v=M-v7Z4cEX1E&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BearMarket #StockMarketCrash #RecessionProof #MarketVolatility #InvestWisely #WeightedIndexes #Mag_7 #NASDAQ #Russell2000 #SmallCap #LargeCap #EmergingMarkets #InternationalStocks #AllTimeHighs #BitcoinVsDollar #CryptoDebate #BitcoinFuture #DigitalCurrency #FiatVsCrypto #MarketMomentum #RelativeStrenth #PriceCompression #MACDBuySignal #InvestingTrends #InvestingAdvice #Money #Investing

Richard & Jonathan discuss market activity for the week; the price of admission that investors must pay. Consumers (and companies) do not have a lot of pricing power. The European Conundrum: What happens when the US drops Ukraine support? Tariff talk & pressure on small cap companies; why we don't have to be invested in every asset class (where diversification really came from). Dad pants, Build-a-Bear, learning to give up some stocks, and a bear market mood. The impact of tariffs and the velocity of Trump agenda. Market trepidation; William Shatner should've been hired to pitch Conn's. Phobias: Ketchup, heights, & Sansabelt pants; more market commentary and planning around Sunset Laws. Dealing w Roth IRA vs Roth 401k rules differences. The flaw in investing to avoid paying taxes (hint: If you're paying taxes, you're making money.) Tax planning should occur all year long. Gifting custodial accounts.  Richard & Jonathan are covering the 7am CST hour for the host of our terrestrial Radio partner; think of it as a bonus show: Markets aren't Red or Blue, per elections, but Green; learning from mistakes we made curing COVID; deflation and price consciousness; why tariffs will not be inflationary;; consumers will make product substitutions. Why Social Security has become the defacto pension; notes from William Shatner's "Wrath of Khan" presentation: How to plan for outliving your money. living to 100. How to properly claim Social Security; plan for "break-even." Thinking of Social Security as a longevity annuity. Al Pacino Cappucino and how Taylor Swift dodged a bullet. UnitedHealthcare's irregular medicare billings; Medicare Advantage vs MediGap coverages. Financial Planning & Having Kids; Retirement is all about income. Is a guaranteed income a "license to spend?" A look at hour retirees spend; tariffs will not create inflation, but will reduce earnings & profits for companies. SEG-1: The Price of Admission Investors Must Pay SEG-2: Why We Don't Have to be Invested in Every Asset Class SEG-3: Financial Planning for Sunset Laws SEG-4: The Flaw in Tax Avoidance Investing SEG-5: Markets Aren't Red or Blue; They're Green SEG-6: Williams Shatner & Planning for Longevity SEG-7: UnitedHealthCare & Irregular Medicare Billing SEG-8: Retirement is All About Income Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE: https://streamyard.com/watch/Gy68mipYram2 ------- Watch today's full show video here: https://www.youtube.com/watch?v=Im4-UkJTRuM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this report: "Why Bitcoin Will Not Replace The Dollar" https://realinvestmentadvice.com/resources/blog/why-bitcoin-will-not-replace-the-dollar/ "Retail Exuberance Sets Market Up For A Correction" https://realinvestmentadvice.com/resources/blog/retail-exuberance-sets-market-up-for-a-correction/ ------- The latest installment of our new feature, Before the Bell, "Weighted Indexes Drive Markets Once Again," is here:  https://www.youtube.com/watch?v=_9YgTKhf0IU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Why Bitcoin Will Not Replace the Dollar," https://www.youtube.com/watch?v=M-v7Z4cEX1E&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BearMarket #StockMarketCrash #RecessionProof #MarketVolatility #InvestWisely #WeightedIndexes #Mag_7 #NASDAQ #Russell2000 #SmallCap #LargeCap #EmergingMarkets #InternationalStocks #AllTimeHighs #BitcoinVsDollar #CryptoDebate #BitcoinFuture #DigitalCurrency #FiatVsCrypto #MarketMomentum #RelativeStrenth #PriceCompression #MACDBuySignal #InvestingTrends  #InvestingAdvice #Money #Investing

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.

In this episode of "Insurance Business Babes," Joanna Wyckoff shares a challenging incident where a client was unwilling to engage with her assistant due to racial bias. This underscores the ongoing issues of discrimination that persist even in professional settings. Joanna emphasizes the importance of her office process, where clients must communicate with her assistant for scheduling—allowing her to focus on more critical insurance matters. Kathe Kline suggests tools like Calendly for online scheduling, yet Joanna points out that some clients still prefer or are unaware of these digital methods. Kathe's alternative approach to managing her workload includes not working on Wednesdays, reserving these mid-week breaks for personal and administrative tasks. This practice helps her maintain work-life balance, ensuring she never disrupts personal time unless absolutely necessary. The hosts discuss the benefits of consolidating multiple appointments in a single day rather than spreading them across the week. Kathe's extensive experience building and selling businesses gives her unique insights on client retention, particularly during challenging times like the COVID-19 pandemic. Highlighting the importance of owning communication systems, Kathe prefers using VoIP services to avoid complications when changing firms. Owning one's client data is crucial in the insurance industry, notes Joanna, who has faced difficulties in data export during company switches. Regulations require keeping call recordings for ten years; therefore, effective data management tools like RingCentral and Dialpad ensure compliance while managing workload efficiently. As the hosts discuss the Annual Enrollment Period (AEP), Joanna recommends transforming thoughts and tasks into checklists to stay organized. Both hosts rely on digital calendars to manage their schedules, ensuring priority tasks are completed first. They also address client needs proactively, from reviewing Medigap before or after AEP to considering additional coverage options. Networking remains a cornerstone of business growth for Kathe, who initially invested in groups like BNI (Business Network International). The BNI model teaches effective networking and the importance of referrals. Kathe advises continually seeking new referral partners, as current partners may leave or change careers. Finally, Kathe emphasizes the necessity of self-care to avoid burnout during intense periods like AEP. Setting work limits and ensuring breaks for meal times can significantly increase productivity. Both hosts stress the importance of retaining existing clients, highlighting that it's easier and often more valuable than acquiring new ones. “Insurance Business Babes” reminds insurance professionals of the importance of balancing professional responsibilities with personal well-being, the efficiency of managing client interactions, and the continual pursuit of networking opportunities. Stay tuned for more insights and practical advice from Kathe Kline and Joanna Wyckoff! Stay tuned for new episodes to continue enhancing your insurance business acumen with Kathe Kline and Joanna Wyckoff. This episode is sponsored by CertifiedMedicareAgents.com

An important episode where we discuss the complexities and common misconceptions surrounding Medicare. Joining Mark and me are Dan Mangus, Vice President of Growth and Development for Senior Benefit Specialists, and Luke Atchison, to provide expert insights on the various parts of Medicare - Part A, B, C, and D. Discussion covers important enrollment dates, the impact of the Inflation Reduction Act on Medicare Part D, and the necessity of obtaining appropriate Medicare plans based on individual needs. There is an emphasis on the importance of having a knowledgeable advisor, the pitfalls of choosing plans based on current health without foreseeing future needs, and the need for additional coverage like Medigap or other insurance plans to supplement Medicare. Various CMS resources and tools for better understanding Medicare are recommended (in the show notes below), and listeners are urged to start preparing for Medicare well before turning 65. Listen to the Alphabet Soup of Medicare with Dan Mangus.[00:00] Introduction to Medicare Misinformation[00:39] Meet the Hosts and Catching Up[01:39] Empathy and Civility in Everyday Life[02:49] Introducing the Medicare Experts[03:45] Medicare Basics: Parts A and B[05:27] Medicare Parts C and D Explained[06:32] Medigap and Recent Changes in Medicare[10:25] Key Dates and Enrollment Periods[15:23] Finding Reliable Medicare Information[19:39] Misinformation and Marketing Tactics[22:27] Mistakes and Key Questions in Medicare[26:45] Support for Low-Income Individuals[27:58] State-Specific Insurance Differences[28:59] Investigating Medicare Before 65[29:35] Common Medicare Mistakes[30:03] Understanding Zero Premium Programs[31:19] Supplementing Medicare Advantage[32:15] Leveraging Your Health for Insurance[34:46] Questions to Ask Your Medicare Specialist[37:17] Resources for Medicare Education[43:41] The Role of Advisors and Brokers[45:27] Holistic Healthcare DecisionsTakeaways: Medicare has different parts, each serving unique healthcare coverage needs, so understanding them is crucial. Open enrollment periods for Medicare are specific, running from October 15 to December 7 each year. The recent Inflation Reduction Act significantly alters Medicare Part D, lowering out-of-pocket costs. When choosing a Medicare plan, always consider your current and potential future healthcare needs. Consulting with local Medicare specialists can help you navigate the complex options available. Be wary of marketing claims promising too-good-to-be-true benefits; seek accurate information. 2025 Medicare CostsAbout Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans | Internal Revenue ServiceAppealing Income Related Monthly Adjustment Amount of Medicare Part D or Part B PremiumsThe Alphabet Soup of Medicare - Saint Louis In Tune with Dan MangusWelcome to Medicare | MedicareIntroduction to Medicare

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the complexities of the Medicare Advantage Open Enrollment Period with Shawn Southard, the Medicare aficionado at Peace of Mind Wealth Management. If you've ever felt overwhelmed by the intricacies of Medicare Advantage plans, prescription drug coverage, or Medigap policies, this episode is a must-listen. Shawn breaks down the options available, clarifies the rules for switching plans, and highlights key considerations for ensuring your Medicare coverage fits your unique needs.Listen in to learn about the differences between Medicare Advantage and original Medicare, how to navigate maximum out-of-pocket costs, and what to look for when considering switching plans. Whether you're planning retirement, retiring comfortably, or just looking to secure your retirement, understanding your Medicare options is crucial for avoiding costly mistakes.In this episode, find out:· The key differences between Medicare Advantage plans and original Medicare.· How Medicare Advantage Open Enrollment works and what changes you can make.· The importance of evaluating Medicare Advantage networks and prescription drug coverage.· Potential pitfalls when switching to original Medicare and Medigap policies.· How maximum out-of-pocket costs and co-insurance impact your financial planning.Tweetable Quotes:· “Understanding your Medicare Advantage plan can mean the difference between peace of mind and unexpected financial stress.” – Radon Stancil· “Your healthcare coverage should work for you, not against you. Take the time to explore your options.” – Murs TariqResources: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 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.

Drew welcomes back Leo this week as they answer questions from callers regarding Medigap, RMD's, helping children save for retirement, IRMAA, social security, and more! Download and enjoy! 

British philosopher G.K. Chesterton once said, “I know as much about the future as you do, which is nothing.” Only God knows the future, but that doesn't mean we shouldn't plan for it. Mark Biller is here today to help you do that. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we'll cover some key takeaways from Sound Mind Investing's recent article, “Your 10 Most Important Financial Moves for 2025,” which offers over 60 actionable tips across six categories. Let's dive into some highlights to help you plan your next year's top financial moves.1. Put First Things First: Aligning Finances with FaithDevelop a Financial Plan: A solid plan is essential for managing God's resources well. As Luke 19:13 reminds us, faithful stewards are called to “put this money to work until I come back.”Build an Eternity Portfolio: Once your family's needs are met, embrace “exponential generosity.” As your income grows, increase your giving percentage, laying up treasures in heaven (Matthew 6:20).2. Strengthen Your Financial FoundationCreate a Workable Budget: A budget—think of it as a “spending plan”—is foundational. Learn from past mistakes and focus on spending less and saving more through automated savings or retirement account contributions.Spend Less, Save More: Small changes today can bring significant long-term benefits. Adjust your spending habits to prioritize your future.3. Develop Your Investing PlanCreate a Long-Term Investing Strategy: Just as a budget helps manage day-to-day finances, an investing plan guides long-term success. Allocate appropriately and avoid making rash decisions based on political or economic changes.Stay Informed About Trends: Technological advancements, economic policies, and market changes can impact investments. Educate yourself on these trends without succumbing to speculation.4. Broaden Your PortfolioExpand Your Knowledge: Understand how global trends like AI and interest rate shifts may influence your portfolio. SMI offers resources to help navigate these complexities while maintaining a long-term focus.5. Prepare for RetirementPlan for Social Security: Deciding when to claim Social Security benefits is crucial. For most, waiting until full retirement age or later can yield greater financial benefits.Understand Medicare Coverage: Don't assume Medicare will cover all your retirement healthcare needs. Research Medigap or Medicare Advantage plans and consider alternatives like Christian Healthcare Ministries.6. Miscellaneous Must-DosStart Your Kids on Investing: Encourage young people to invest early. Fractional-share purchases and no-commission trades make it easier than ever to build long-term financial habits.Review Estate Plans: Ensure your will, power of attorney, and healthcare directives are up-to-date. Life changes and legal updates warrant a review every five years.Protect Against Tax Identity Theft: To prevent fraudulent filings, safeguard your Social Security number by requesting an IRS Identity Protection PIN.Bonus Tips for 2025Treasure Each Day: Life is fleeting—embrace each day as a gift and manage God's blessings wisely.Deepen Your Prayer Life: Discerning God's voice leads to better financial decisions rooted in faith.Manage Finances as a Team: For married couples, working together on finances can combine strengths and reduce weaknesses.As 2025 approaches, remember that your financial success hinges more on your choices than external circumstances. Faithful stewardship not only secures your financial future but also aligns your resources with God's purposes. May you aim to hear these words in Matthew 25:21: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!”For the complete list of financial moves and additional resources, visit SoundMindInvesting.org.By following these principles, you can make 2025 a year of financial health and faithfulness.On Today's Program, Rob Answers Listener Questions:I recently retired and have a 401(k) with about $47,000 in it. I don't know what to do with this money. I'd like to get some advice from a Christian perspective on how to best manage and invest this 401(k) now that I'm retired.Resources Mentioned:Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMoney and Marriage God's Way by Howard DaytonMovement MortgageLook 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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.

Learn how Dr. Virgie got out of paying a $90,000 medical bill - and why she says you can too! Also, hospitals and medical systems across the U.S. are no longer accepting Medicare Advantage insurance. Find out why this is a big deal for you or someone you love and the best way Medicare recipients can keep their money, favorite doctors and hospitals. https://medicalbills.support/MedigapisbetterthanMA

How does Medicare Open Enrollment work? Do you need a supplement plan? How do you choose between a Medigap or Medicare Advantage plan? Navigating these questions can be overwhelming. That's why Danielle Roberts—co-founder of Boomer Benefits and the author of “10 Costly Medicare Mistakes You Can't Afford to Make”—joins me in this episode to help you avoid common pitfalls during Medicare Open Enrollment. You will want to hear this episode if you are interested in... [1:42] How Medicare open enrollment works [3:45] Do you need a supplemental plan?  [5:13] How CMS changes impact plans [9:37] Comparing Medigap vs Medicare Advantage [12:41] The typical annual rate increase [15:21] How Medigap plans work when you move [16:12] When to choose a Medicare Advantage plan [19:34] How Medicare Part D works [21:38] How to choose between Medigap vs Advantage plans [24:06] How to choose a broker to work with [27:05] Start researching your Medicare options early [28:06] How to get a free copy of Danielle's book Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel 10 Costly Medicare Mistakes You Can't Afford to Make Boomer Benefits 2025 Medicare IRMAA Surcharge Updates, #228 Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Danielle K. Roberts, co-founding partner of the insurance agency Boomer Benefits, joins podcast host John P. Bryson to discuss what today's retirees and near-retirees need to know about Medicare and how to factor healthcare costs into their overall financial plans and decision-making. Danielle, author of the book 10 Costly Medicare Mistakes You Can't Afford to Make, outlines the different parts of Medicare coverage and explores key considerations in choosing between Medicare Advantage and Medigap coverage. She also offers advice to help investment professionals assist clients who are trying to adapt to recent and pending changes to the federal program.

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.

### Overcoming Bias in Client Interactions In this episode of "Insurance Business Babes," Joanna Wyckoff shares a challenging incident where a client was unwilling to engage with her assistant due to racial bias. This underscores the ongoing issues of discrimination that persist even in professional settings. Joanna emphasizes the importance of her office process, where clients must communicate with her assistant for scheduling—allowing her to focus on more critical insurance matters. ### Leveraging Technology for Scheduling and Retention Kathe suggests tools like Calendly for online scheduling, yet Joanna points out that some clients still prefer or are unaware of these digital methods. Kathe's alternative approach to managing her workload includes reserving these mid-week breaks for personal and administrative tasks. This practice helps her maintain work-life balance, ensuring she never disrupts personal time unless absolutely necessary. ### Managing Appointments Efficiently The hosts discuss the benefits of consolidating multiple appointments in a single day rather than spreading them across the week. Kathe's extensive experience building and selling businesses gives her unique insights on client retention, particularly during challenging times like the COVID-19 pandemic. Highlighting the importance of owning communication systems, Kathe prefers owning her own VoIP services to avoid complications when changing firms. ### Tackling the Data Management Challenge Owning one's client data in your CRM is crucial in the insurance industry, notes Joanna, who has faced difficulties in data export during company switches. Regulations require keeping call recordings for ten years; therefore, effective data management tools like RingCentral and Dialpad ensure compliance while managing workload efficiently. ### Prioritizing Tasks During AEP As the hosts discuss the Annual Enrollment Period (AEP), Joanna recommends transforming thoughts and tasks into checklists to stay organized. Both hosts rely on digital calendars to manage their schedules, ensuring priority tasks are completed first. They also address client needs proactively, from reviewing Medigap before or after AEP to considering additional coverage options. ### Consistent Referrals and Networking Networking remains a cornerstone of business growth for Kathe, who initially invested in groups like BNI (Business Network International). The BNI model teaches effective networking and the importance of referrals. Kathe advises continually seeking new referral partners, as current partners may leave or change careers. ### Self-Care and Avoiding Burnout Finally, Kathe emphasizes the necessity of self-care to avoid burnout during intense periods like AEP. Setting work limits and ensuring breaks for meal times can significantly increase productivity. Both hosts stress the importance of retaining existing clients, highlighting that it's easier and often more valuable than acquiring new ones. ### Conclusion “Insurance Business Babes” reminds insurance professionals of the importance of balancing professional responsibilities with personal well-being, the efficiency of managing client interactions, and the continual pursuit of networking opportunities. This episode is hosted by CertifedMedicareAgents.com

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.

Unlock the critical insights into Medicare changes with our expert guest, Paul Livingston, a seasoned registered nurse turned Medicare advisor. Gain the knowledge you need to confidently navigate Medicare plans and avoid the pitfalls of misinformation. Understand the pivotal role of independent brokers in tailoring healthcare options to your specific needs, especially when considering the region-specific nature of Medicare Advantage plans and the impact of individual prescription requirements. For seniors living on limited incomes, staying informed about major Medicare changes is crucial. Paul offers guidance on strategies to manage these shifts effectively and ensure your health and financial well-being are prioritized.Discover the practical routes available for handling medication costs without the stress of overwhelming initial payments. We explore federal programs that spread expenses throughout the year, making healthcare more manageable. Learn about the flexibility offered during the trial look period when transitioning between traditional Medicare with a Medigap plan and Medicare Advantage. However, understand the challenges that arise when attempting to revert back to a Medicare supplement, particularly for those managing chronic health conditions. This episode promises to equip you with the tools to make informed decisions regarding your Medicare options, empowering you to navigate this complex landscape with greater confidence.Call Paul Livingston at 479-347-9920Information to help you answer all of your questions about aging.

About the Guest(s):Kerrie BeeneKerrie Beene is a financial planner with expertise in navigating complex personal finance topics. She works alongside Amy Irvine, providing clients with informed guidance and actionable advice to help them achieve their financial goals. With a focus on comprehensive financial planning, Kerrie brings experience and dedication to ensuring financial clarity for clients at the Rooted Planning Group.Episode Summary:In this insightful episode of Money Roots, your hosts Amy Irvine and Kerrie Beene tackle the intricacies of Medicare, focusing on the open enrollment period and the parts that constitute Medicare, including Parts A, B, C, and D. They offer clarity in an area often seen as daunting due to its complexity and abundance of choices. With personal stories and expert guidance, Amy and Kerrie break down each component of Medicare, empowering listeners to make informed decisions about healthcare coverage as they approach or assist loved ones approaching retirement age.Throughout the podcast, leveraging SEO-friendly terms like "Medicare Advantage," "Medigap plans," and "open enrollment," Amy and Kerrie explore the differences between original Medicare (Parts A and B) and Medicare Advantage plans (Part C), emphasizing the importance of understanding your healthcare needs and financial situation to choose the best coverage. They stress that careful preparation—by assessing doctor visits, prescription medications, and potential upcoming surgeries—is essential when selecting a plan. Additionally, they caution that while Medicare Advantage plans might present no additional premium, associated copays and coinsurances can vary widely.Key Takeaways:Understanding Medicare Parts: Traditional Medicare consists of Part A (hospital insurance) and Part B (medical insurance), with Part D offering prescription drug coverage, and Part C being Medicare Advantage plans provided by private insurers.Open Enrollment is Crucial: Seniors should prepare thoroughly before open enrollment by reviewing their health needs, including doctor visits and prescriptions.Pros and Cons of Medicare Advantage: Medicare Advantage Plans can appear more affordable due to lower premiums, but may result in higher out-of-pocket expenses.Yearly Review is Essential: Healthcare needs and insurance benefits can change annually; reviewing your Medicare plan each year can help maintain suitable coverage.Seek Professional Help: Utilize resources like local Offices for the Aging or insurance specialists to help navigate the vast array of Medicare options.Notable Quotes:"We thought it would be great if we could do a little podcast on...the open enrollment period around Medicare and all of the confusion that goes around it." – Amy Irvine"When you think about traditional insurance in general, it's just you hand an insurance card in... It's not the same as having a part A, a part B, a part C, a part D." – Amy Irvine"Just remember, when you go to a part C plan, you are going on to an insurance plan... that's why a lot of people say don't switch." – Amy Irvine"Never set it and forget it... every year review that" – Amy Irvine"Utilize your resources and do find those people, but make sure it's the right people... Make sure it's the people who have your best interest at heart." – Kerrie BeeneResources:Rooted Planning Group Website: Rooted Planning GroupMedicare Official Website: Medicare.govContinuing the conversation about Medicare and personal...

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.

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.

In this episode, Wendy Jones welcomes Medicare expert Victor Whang from Insurance Warehouse. Together, they dive into 2025's Medicare shake-ups—from the closure of the “donut hole” in prescription coverage to expected rises in premiums and deductibles. Victor breaks down key differences between Original Medicare, Medigap, and Medicare Advantage plans, plus tips for managing out-of-pocket costs. With enrollment season here, this episode is packed with expert advice to help you navigate changes and make informed choices for your health and budget!    Support the Show and Next Steps 4 Seniors: https://nextsteps4seniorsfoundation.orgSee omnystudio.com/listener for privacy information.

Are you confused about Medicare? Want to know how it can benefit you and which options best suit your needs? In this episode of The Health Fix Podcast, Dr. Jannine Krause interviews award-winning journalist and Medicare expert Phillip Moeller. Phillip is a coauthor of the New York Times bestseller Get What's Yours: The Secrets to Maxing Out Your Social Security and author of Get What's Yours for Medicare: Maximizing Your Coverage, Minimizing Your Costs, and Get What's Yours for Health Care: How to Get the Best Care at the Right Price. He also writes the “Ask Phil” feature for PBS NewsHour and shares Medicare and Social Security insights in his Substack newsletter, Get What's Yours. What You'll Learn In This Episode: Understanding Medicare Benefits: A breakdown of what Medicare actually provides and how it supports healthcare needs. Choosing the Right Plan: Key health conditions to consider when deciding between Original Medicare and Medicare Advantage plans. Medigap vs. Medicare Advantage Plans: Insights on how Medigap policies differ from Medicare Advantage plans, and when each might be a good choice. ACO Medical Groups: Why Accountable Care Organizations (ACO) provide a holistic approach for Medicare clients. Maximizing Medicare Benefits: How being proactive and asking the right questions can help you get the most from your Medicare benefits. Resources from the Show: Phillip Moeller's Website: GetWhatsYours.org Phillip's Book: Get What's Yours for Medicare Phillip's Newsletter: Get What's Yours on Substack (excellent free posts on Medicare updates) SHIP program - State Health Insurance Assistance Program - get help in your individual state Tune in to get clear guidance on evaluating Medicare and understanding which options work best for your unique health needs.

Are you confused about Medicare and looking for clear answers to your most pressing questions? In this informative Q&A episode, hosts Cameron Giardini and Joanne Giardini-Russell from Giardini Medicare answer real questions from their audience to help you navigate the complexities of Medicare.Whether you're unsure about enrolling in Medicare Part B, dropping Medigap coverage, or how the IRMAA surcharge impacts your premiums, this episode covers it all. We also dive into topics like:- Returning to Work After Medicare Enrollment: What happens if you enroll in Medicare, but later gain access to employer coverage? Can you drop Part B? What happens when you want to re-enroll?- Medicare Advantage Changes for 2025: Find out about the new rules, including how plans will be required to notify enrollees about unused benefits.- Medigap and Maximum Out-of-Pocket (MOOP): Does Medicare Supplement Plan N have a maximum out-of-pocket limit? Learn about the differences between Medigap plans and how you can protect yourself from high medical bills.- IRMAA Surcharges Explained: How does your income affect your Medicare premiums, and can you appeal if your income drops after retirement? - Medicare Enrollment Timing: Do you need to enroll in a Medicare Supplement or Medicare Advantage plan at the same time as you apply for Medicare?Our hosts break down these important topics with simple, step-by-step guidance. Whether you're a first-time Medicare enrollee or currently re-evaluating your coverage, this episode offers actionable advice that can save you from costly mistakes.Who is this episode for?- Individuals turning 65 and navigating their Medicare Initial Enrollment Period.- People who want to understand their options for Medigap or Medicare Advantage.- Those returning to work after retirement and wondering about dropping Part B.- High-income earners dealing with IRMAA surcharges and wanting to know their options for appeal.- Anyone looking for clear, accurate Medicare advice in an easy-to-understand format.- Leave a review on your favorite podcast app to help others discover this episode.- Visit our website gmedicareteam.com- Follow us on YouTube or TikTok by searching "Giardini Medicare" for more helpful content.- Email us your Medicare questions at info@gmedicareteam.comEpisode Sources: Cancelling Medicare Part BMA Supplemental Benefit NotificationMore MA Extra Benefit InformationIRMAA Information

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.

As the Medicare enrollment period gets underway again, we welcome Dr. Adam Gaffney to remind us the ways all those heavily advertised Medicare Advantage programs are ripping you off. Then we receive another house call from Dr. Marty Makary, author of Blind Spots: When Medicine Gets It Wrong, and What It Means for Our Health about the effect of medical groupthink on all kinds of accepted treatments from peanut allergies to opioid addiction. Finally, founder of Media Matters, David Brock stops by to discuss his latest book, Stench: The Making of the Thomas Court and the Unmaking of America.Dr. Adam Gaffney is a physician, writer, public health researcher, and advocate. Dr. Gaffney practices at the Cambridge Health Alliance and is an Assistant Professor in Medicine at Harvard Medical School. A member of the Cambridge Health Justice Lab, his research focuses on healthcare financing, reform, and equity, and disparities in lung health. He writes about the policy, politics, and history of health care, and is the author of To Heal Humankind: The Right to Health in History.The reality is we don't need Medigap. We could plug those holes with public coverage. There's no reason to have a role for private insurers to cover a slice of our healthcare when all seniors need the same thing—which is comprehensive universal care.  There's no need for these private stopgap measures, when what we need is a public system of universal care.Dr. Adam GaffneyI do think there's growing interest among physicians in change. Their bosses are increasingly these for-profit companies whose mission is not really medicine. Their mission is money. And what we need to do is to rethink our healthcare system, so it serves communities, is owned by communities, and it returns us to the underlying reason why we went into this profession—which is to help patients, and not to pad the pockets of shareholders.Dr. Adam GaffneyDr. Marty Makary is a Johns Hopkins professor and member of the National Academy of Medicine. He is the author of two New York Times best-selling books, Unaccountable and The Price We Pay. Dr. Makary has written for the Wall Street Journal, the Washington Post, and the New York Times, and he has published more than 250 scientific research articles. He served in leadership at the W.H.O. and has been a visiting professor at 25 medical schools. His latest book is Blind Spots: When Medicine Gets It Wrong, and What It Means for Our Health.For most of human history, doctors were respected, but maybe like you would respect your hairdresser, or maybe a clergy member in the community. And we didn't have many tools as doctors. We had a lancet, we had a saw to do amputations, we had a couple of drugs that didn't work or were counterproductive like digoxin. And then what happened in 1922 is Alexander Fleming discovered penicillin. And by the post-World War II era in the 1940s and '50s, we saw the mass production of antibiotics. That ushered in the white coat era of medicine. Doctors began to wear a white coat. They now had the power to prescribe a magical pill that could cure disease, make childbirth safe, enable surgeons to do procedures safer. And this ushered in this new unquestioned authority. And what happened was, physicians as a class took advantage of this unquestioned authority.Dr. Marty MakaryDavid Brock is a Democratic activist and founder of Media Matters for America, a progressive media watchdog group. Following the 2010 elections, Mr. Brock founded the Super PAC American Bridge, which works to elect Democrats. He is a New York Times best-selling author, and his books include the memoir Blinded by the Right: The Conscience of an Ex-Conservative, Killing the Messenger: The Right Wing Plot to Hijack Your Government, and his latest book is Stench: The Making of the Thomas Court and the Unmaking of America.The Federalist Society was originally founded by three rightwing law students. And it was pitched as a debating society. So I don't think in the original incarnation, they had a master plan. But soon enough, they realized that membership in the Federalist Society could confer on people a certain imprimatur for appointments—and that's appointments not only to the federal judiciary, but all through the executive branch.David BrockThe scheme to overturn Roe has been going on for all these decades. There were setbacks, of course, because there were times when Republican appointees ended up being independent—Sandra Day O 'Connor, for example, David Souter, for example—and the right was defeated in their effort to overturn Roe. So it took a while and it took a lot of steadfast, patient spending of money on their crusade.David Brock[This is] a time when the Biden regime is supporting the destruction of the ancient land of Lebanon— whom he's called in prior years an ally. He's letting Netanyahu destroy Lebanon with the same tactics that Netanyahu applied to the genocide in Gaza.Ralph NaderIn Case You Haven't Heard with Francesco DeSantisNews 10/23/241. Last week, Israel announced they had killed longtime Hamas leader Yahya Sinwar. As NBC put it, the footage of his death released by Israel “showed Sinwar not hiding in a tunnel surrounded by hostages — as Israeli officials often claimed he was — but aboveground and hurling a stick at a drone with his last ounce of strength.” American political leaders, such as Kamala Harris and Bernie Sanders, are seeking to use Sinwar's death to argue that Israel has accomplished its mission and should therefore conclude its genocidal campaign in Gaza. Israeli leaders however have made it abundantly clear that they have no intention of pulling out of Gaza, with Benny Gantz – chairman of Israel's National Unity Party and among Prime Minister Netanyahu's chief political rivals – stating that the Israeli military “will continue to operate in the Gaza Strip for years to come,” per Al Jazeera.2. According to POLITICO, during an August 29th meeting in Washington Lise Grande, the top U.S. official working on the humanitarian situation in Gaza told the leaders of more than a dozen aid organizations that “the U.S. would not consider withholding weapons from Israel for blocking food and medicine from entering [Gaza].” It is illegal to block the delivery of humanitarian assistance under both American and international human rights law. As the paper notes, Grande's “candid assessment…raises questions about the seriousness of recent Biden administration threats to [withhold arms].” One attendee told POLITICO “[Grande] was saying that the rules don't apply to Israel.”3. Meanwhile, Israel continues its war on the United Nations mission in Lebanon. On October 20th, UNIFIL released a statement saying “Earlier today, an IDF bulldozer deliberately demolished an observation tower and perimeter fence of a UN position in Marwahin…The IDF has repeatedly demanded that UNIFIL vacate its positions along the Blue Line and has deliberately damaged UN positions. Despite the pressure being exerted on the mission and our troop-contributing countries…We will continue to undertake our mandated tasks.” UNIFIL added “Yet again, we note that breaching a UN position and damaging UN assets is a flagrant violation of international law and Security Council resolution 1701.”4. In a frankly dystopian story from the United Kingdom, British counterterrorism police “raided the home and seized several electronic devices belonging to The Electronic Intifada's associate editor Asa Winstanley,” despite the fact that Winstanley has not been charged with any offense. Electronic Intifada reports the raid was conducted under sections 1 and 2 of the 2006 “Terrorism Act,” which deal with the “encouragement of terrorism.” Human Rights Watch has previously urged the British government to repeal the repressive provisions of the 2006 act noting that “the definition of the encouragement of terrorism offense is overly broad, raising serious concerns about undue infringement on free speech.” Electronic Intifada further notes “In August, Britain's Crown Prosecution Service issued a warning to the British public to ‘think before you post' and threatening that it would prosecute anyone it deemed guilty of what it calls ‘online violence.'” Winstanley is the author of Weaponising Anti-Semitism: How the Israel Lobby Brought Down Jeremy Corbyn and has been interviewed by the Capitol Hill Citizen.5. According to the Libertarian magazine Reason, Bob Woodward's new book War includes a passage about a “shockingly blunt conversation,” between President Biden and Republican Senator Lindsey Graham regarding “Biden's attempts to negotiate a ‘megadeal' between the United States, Saudi Arabia, and Israel.” Per Reason “Graham reportedly said that only Biden could secure a U.S.-Saudi defense treaty, because it would ‘take a Democratic president to convince Democrats to vote to go to war for Saudi Arabia'” Biden's response? “Let's do it.” Furthermore, reports indicate this security pact only fell apart after October 7th, with Saudi Crown Prince Mohammad Bin Salman seeing a prominent deal with Israel at that time as a major political liability. Reason cites an article from the Atlantic in January wherein Salman reportedly told Secretary of State Antony Blinken “Do I care personally about the Palestinian issue? I don't, but my people do…Half my advisers say that the deal is not worth the risk. I could end up getting killed because of this deal.”6. In more international news, the Cuban energy grid collapsed on Friday, under strain from Hurricane Oscar. The complete grid collapse left the entire country of 10 million without electricity, per NPR. Reuters reports that over the weekend, the grid failed three more times as authorities sought to restore power. Brasil de Fato, or BdF, a Brazilian socialist news service, reports China, Venezuela, Mexico, Colombia, Russia and Barbados are offering support to Cuba amid the total blackout. BdF further reports “The Alba Movimientos platform, which brings together more than 400 organizations from 25 countries, issued a statement...[saying] ‘No one can attribute this virtual collapse of the Cuban electricity system to a specific measure by the US government – that would be too simplistic…this is'“the result of a long strategy of planned destruction of the material and spiritual living conditions of the Cuban population…with the financial resources denied to Cuba due to the blockade policy, 18 days of accumulated damages equal the annual cost of maintaining the country's electricity system.” According to the UN, the U.S. embargo cost Cuba $13 million US dollars per day between 2022 and 2023 alone.7. A new scandal has rocked American Higher Education. Inside Higher Ed reports “Last week a lawsuit accused 40 colleges and universities, as well as the nonprofit College Board, of participating in a price-fixing conspiracy to jack up tuition rates” specifically, for children of divorced parents. The scheme itself had to do with consideration of the non-custodial parent's income, but the larger issue at stake here is the fact that the universities entered into a “cartel” in violation of antitrust laws. As this piece notes this is the “second major price-fixing antitrust lawsuit filed against highly selective universities since 2022, when 17 institutions…were accused of illegally colluding to set common financial aid formulas. So far, 10 of those institutions have settled for a combined $248 million.”8. Boeing has offered their striking machinists a new deal, which they hope will end their crippling strike. ABC reports “The new offer delivers a 35% raise over the four-year duration of the contract,” which is short of the 40% raise demanded by the International Association of Machinists and Aerospace Workers but considerably better than the aerospace titan's previous offer of 25%. ABC continues “The proposal also hikes Boeing's contribution to a 401(k) plan, but it declines to fulfill workers' call for a reinstatement of the company's defined pension.” As this piece notes, the machinists overwhelmingly rejected Boeing's previous offer last month; this week they will vote on the new proposal. Whatever the details of the final contract, this episode clearly demonstrates the power of a union, even going up against one of the most powerful corporations in America.9. A stunning CNN investigation reveals the extent of predatory fundraising by the major parties off of elderly people suffering from dementia or other forms of cognitive decline in their old age. According to “More than 1,000 reports filed with government agencies and consumer advocacy groups… deceptive political fundraisers have victimized hundreds of elderly Americans…into giving away millions of dollars.” These heartbreaking stories concern “Donors…often in their 80s and 90s…[including] retired public workers, house cleaners and veterans, widows living alone, nursing home residents…[with] money…from pensions, Social Security payments and retirement savings accounts meant to last decades.” To cite just one just one shocking example: “[an] 82-year-old woman, who wore pajamas with holes in them because she didn't want to spend money on new ones, didn't realize she had given Republicans more than $350,000 while living in a 1,000 square-foot Baltimore condo since 2020.”10. Finally, Congresswoman Rashida Tlaib has sent a letter to Rodney McMullen, Chairman and CEO of Kroger, decrying the company's “decision to roll out surge pricing using facial recognition technology.” Specifically, Tlaib cites concerns about price manipulation based on external factors like supply as well as discrimination based on race, gender, and other criteria determined through facial recognition. Tlaib ends this letter with six key questions, including “Will Kroger use…facial recognition to display targeted advertisements…?…What safeguards will be in pace?…[and] Are there plans to sell data collected in the store?” among others. Grocery prices continue to be a source of everyday economic hardship for working Americans and corporations are increasingly interested in surge pricing for essential goods. There is some comfort in knowing at least one member of Congress is concerned about this dangerous combination.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

  The Friday Five for October 25, 2024: Adobe Fresco Now Completely Free for Everyone Amazon and Walmart Announce Pharmacy Delivery Expansions Stride 2025 Open Enrollment Study KFF Analysis on Med Supp Enrollment Data Medigap Deductibles and OOP Costs for 2025   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Adobe Fresco Now Completely Free for Everyone: Foley, Joe. “Adobe Fresco Is Now Completely Free for All.” Creative Bloq, Creative Bloq, 23 Oct. 2024, www.creativebloq.com/art/digital-art/adobe-fresco-is-now-completely-free-for-all. Gan, Jeremy. “Adobe Fresco's Previously Paywalled Features Are Now Free for Everyone.” Engadget, Engadget, 23 Oct. 2024, www.engadget.com/apps/adobe-frescos-previously-paywalled-features-are-now-free-for-everyone-141956420.html. Weatherbed, Jess. “Adobe Made Its Painting App Completely Free to Take on Procreate.” The Verge, The Verge, 23 Oct. 2024, www.theverge.com/2024/10/23/24277533/adobe-fresco-painting-app-free-availablility-procreate. “Digital Painting and Drawing App | Adobe Fresco.” Adobe.Com, Adobe, www.adobe.com/products/fresco.html. Accessed 24 Oct. 2024.   Amazon and Walmart Announce Pharmacy Delivery Expansions: Accelerating Convenience: Walmart Launches Nationwide Same-Day Pharmacy Delivery, Helping Customers Live Better, 22 Oct. 2024, corporate.walmart.com/news/2024/10/22/accelerating-convenience-walmart-launches-nationwide-same-day-pharmacy-delivery-helping-customers-live-better. “Amazon Pharmacy Plans to Expand Same-Day Delivery of Medications to Nearly Half the US in 2025.” Amazon.Com, Amazon, 9 Oct. 2024, www.aboutamazon.com/news/retail/amazon-pharmacy-expands-same-day-prescription-delivery-united-states. Dr. Sai Balasubramanian, M.D. “Amazon Pharmacy's Rapid Growth Will Soon Make Instant Access to Medication the New Normal.” Forbes.Com, Forbes, 16 Oct. 2024, www.forbes.com/sites/saibala/2024/10/14/amazon-pharmacys-rapid-growth-will-soon-make-instant-access-to-medication-the-new-normal/. Palmer, Annie. “Amazon Same-Day Prescription Delivery Expanding to Nearly Half of U.S. in 2025.” Cnbc.Com, CNBC, 9 Oct. 2024, www.cnbc.com/2024/10/09/amazon-same-day-prescription-delivery-expanding-to-half-of-us-in-2025.html. Tong, Noah. “Walmart Offers Same-Day Prescription Delivery with Plans to Reach 49 States.” Fiercehealthcare.Com, Fierce Healthcare, 22 Oct. 2024, www.fiercehealthcare.com/retail/hlth24-walmart-simplify-online-pharmacy-orders-49-states. Gibson, Kate. “Walmart Plans to Deliver Prescriptions Nationwide in as Little as 30 Minutes.” Edited by Alain Sherter, Cbsnews.Com, CBS, 22 Oct. 2024, www.cbsnews.com/news/walmart-prescription-delivery-amazon/.   Stride 2025 ACA Open Enrollment Study: “2025 Annual Open Enrollment Survey - A New Report from Stride.” Blog.Stridehealth.Com, Stride Health, 17 Oct. 2024, blog.stridehealth.com/open-enrollment-2025survey. Popke, Michael. “Almost 75% of ACA Buyers Will Not Compare Plans for 2025.” Benefitspro.Com, BenefitsPro, 21 Oct. 2024, www.benefitspro.com/2024/10/21/almost-75-of-aca-buyers-will-not-compare-plans-for-2025/.   KFF Analysis on Med Supp Enrollment Data: Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Medicare Supplement Enrollment Down Slightly in 2023.” Markfarrah.Com, Mark Farrah Associates, 28 May 2024, www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-down-slightly-in-2023. Freed, Meredith, Nancy Ochieng, et al. “Medigap May Be Elusive for Medicare Beneficiaries with Pre-Existing Conditions - Issue Brief - 10506.” KFF, KFF, 18 Oct. 2024, www.kff.org/report-section/medigap-may-be-elusive-for-medicare-beneficiaries-with-pre-existing-conditions-issue-brief/.   Medigap Deductibles and OOP Costs for 2025: “F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 23 Oct. 2024. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 23 Oct. 2024.   Resources: ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 Helping Clients with Marketplace Eligibility Appeals: https://link.chtbl.com/ASG624 How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623 KFF 2025 Medicare Part D Snapshot Report: https://link.chtbl.com/ASGF20241018 The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024   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.

Melinda Caughill shares the secrets of Medicare enrollment in 2024, what to avoid and how to pick the right coverage. As Medicare Open Enrollment begins, the importance of understanding Medicare and making the right decisions during the enrollment period cannot be overstated. For this week's episode of “Retirement Revealed” I sat down with Melinda Caughill, co-founder of 65 Incorporated, to discuss her playbook for Medicare in 2024. This open enrollment period is particularly crucial due to significant changes that will affect all Medicare enrollees. Here's what you need to know to navigate these waters wisely. The Complexity of Medicare Choices Medicare decisions are not as straightforward as picking a plan. Many people mistakenly believe it's a simple choice between Medicare Advantage and a Medigap supplement. However, the decision path involves understanding whether to stick with Original Medicare or shift to private, corporate-run Medicare options. Each choice comes with its own set of advantages and challenges. Original Medicare vs. Medicare Advantage Original Medicare: Under this path, the government serves as your healthcare provider, offering substantial coverage with reliable benefits. You add a Medigap policy to cover costs that Medicare doesn't, and a Part D plan for prescription drugs. This provides predictable out-of-pocket costs but comes with monthly premiums. Medicare Advantage: This option, managed by private insurers, often advertises zero-dollar premiums and numerous perks such as dental and vision coverage. However, these plans require adherence to strict networks and prior authorization for services, creating potential hurdles in accessing care when you need it most. Timing Is Everything Understanding the right time to enroll or delay enrollment in Medicare is critical. For many, this means determining the best time based on current employment status or other personal circumstances. Each individual's situation requires a unique approach to avoid penalties and ensure adequate coverage. The Looming Impact of the Inflation Reduction Act The Inflation Reduction Act introduces a $2,000 out-of-pocket maximum for Part D drug costs, which initially sounds like a positive change. However, as part of the cost-shifting measures, private insurers may increase premiums significantly or change what drugs are covered to offset their increased financial burden. This change, effective in 2025, starts impacting decision-making now. It underscores the necessity of reviewing your current drug plans during the upcoming open enrollment. Choosing the Right Path When faced with a decision of which Medicare path to choose, it's critical to think long-term. While Medicare Advantage plans are enticing with their low upfront costs, the rigidity and potential high costs of care down the line need to be carefully considered. Original Medicare generally offers broader access to providers and clearer costs. Avoiding Medicare Pitfalls One of the biggest traps that enrollees fall into is relying on Medicare insurance salespeople without understanding potential conflicts of interest. Sales agents earn commissions based on sales from limited portfolios, which doesn't always align with what's best for you. Seek independent guidance to navigate your options without bias. Tips for 2024 and Beyond Review Annually: Each year, from October 15th to December 7th, use the Medicare open enrollment period to reassess your Part D drug plan options and any Advantage plan changes. Plan Ahead: Stay informed about changes in Medicare that could impact costs, coverage, and your healthcare decisions. Seek Expert Advice: Use services like 65 Incorporated to ensure you're making informed choices, especially if you're approaching Medicare eligibility. Stay Informed on Policy Changes: The ramifications of the Inflation Reduction Act highlight a shifting landscape.

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.

Are you approaching your transition to Medicare and feeling overwhelmed by all the potential pitfalls and complexities? You're not alone! In this episode of the "Client Scenarios Podcast," we go beyond hypothetical examples and dive into five real-life Medicare scenarios our clients have faced. Learn how to avoid costly mistakes and make smarter decisions when enrolling in Medicare.Join hosts Cameron Giardini and Joanne Giardini-Russell from Giardini Medicare, an independent insurance agency serving clients in over 13 states, as they share real stories—from clients who faced Medicare enrollment traps to those who found unique ways to maximize their Medicare benefits. Whether you're concerned about moving states with a Medicare Advantage plan, navigating COBRA insurance complications, managing Medigap payments, avoiding last-minute Medicare enrollments, or understanding marketplace subsidies and Medicare eligibility, this episode offers practical advice for anyone transitioning to Medicare.Episode Highlights:1. Moving Out of State with Medicare Advantage: Discover how relocating can impact your Medicare Advantage plan and what to do before you move to avoid losing coverage.   2. COBRA Insurance Pitfalls: Learn the hidden risks of relying on COBRA coverage after retirement and how it affects your Medicare Part B enrollment.3. Risks with Medicare Supplement Payments: Understand the critical importance of setting up automatic payments for your Medigap premiums to avoid losing coverage.4. Last-Minute Medicare Enrollments: Why waiting until the last minute to enroll in Medicare could cost you more than you think, and how to avoid these common mistakes.5. Marketplace Subsidies vs. Medicare Eligibility: Find out why keeping your subsidized marketplace health plan after turning 65 could result in significant financial penalties.Who Should Listen?- Individuals approaching age 65 or currently planning their transition to Medicare.- Those currently enrolled in a Medicare Advantage or Medigap plan and considering a move to a new state or county.- Retirees relying on COBRA insurance who need to understand how it affects their Medicare options.- People enrolled in the marketplace (ACA) health plans receiving subsidies who are nearing Medicare eligibility.- Caregivers and family members assisting loved ones with their Medicare decisions.More Content: - Visit our website: gmedicareteam.com- Connect with us on YouTube and TikTok by searching "Giardini Medicare" for more valuable Medicare content.- Send us your questions or feedback at info@gmedicareteam.comEpisode Sources

In 2025, Medicare will eliminate the Part D coverage gap, cap out-of-pocket prescription costs at $2,000, and offer a payment plan. Some Georgia Medicare Advantage plans will not renew, allowing members to switch plans or join Medigap without underwriting. The Part B premium will rise to $185/month, and fraud risks are expected to increase. Tune in to this episode of A Wiser Retirement® Podcast as Casey Smith and Logan Steele, from Steele Choice Insurance, dive into the details of these upcoming Medicare changes. Related Podcast Episodes:- Ep 188: Current State of Healthcare and Medicare Open Enrollment with Logan Steele- Ep 255: Key Things to Know about Medicare Enrollment Related YouTube Videos:- What is IRMAA?- The Medicare Sign-Up Process ExplainedOther Links:- Part D Creditable Coverage FAQLearn More:- Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial success.- Access Our Free Guides: Gain valuable insights on topics such as why most financial plans fail, how to leave a financial legacy, post-divorce financial planning, and more!Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

"It's just 15-20 calls a month to add an extra $40,000 a year—and that's just the beginning." - Ron HendersonNEW BOOK “Quote 3: How to Make Multiple 6 Figures in Any Sales Organization" HERE What's in this episode:Target Turning 65 Clients: Earn $40k-$60k in year one by focusing on Medicare.Cross-Sell to P&C Clients: Use your existing base to increase Medicare sales.Make 15-20 Calls a Month: A small number of calls can lead to significant results.Use Birthday Reviews: Adjust policies annually without underwriting.Follow 7-Step Review Process: Build rapport, update info, and review policies.Partner with an FMO: Get guidance on your Medicare journey.Stay Certified: Keep up with annual Medicare certifications and training.Handle Objections: Explain that Medicare Supplements differ only in price and logo.Educate on Medigap vs. Advantage: Help clients understand their Medicare options.Maximize Renewals: Benefit from rising Medicare Advantage commissions.Prep for Wealth Transfer: Educate clients aged 60-64 on Medicare and planning.Be the Future of Insurance: Position yourself as a trusted advisor for wealth transfer.In this episode of The Insurance Buzz, Michael and Courtney Weaver sit down with Medicare expert Ron Henderson for a deep dive into Medicare sales strategies. Ron shares how agencies can tap into their current book of business, especially clients turning 65, to generate substantial income. He breaks down actionable tips for reviews, the birthday rule, and leveraging annual enrollment periods. The episode also covers overcoming challenges like certification, debunking misconceptions about Medicare plans, and building a multi-product agency that can provide comprehensive financial advice. Agents will walk away with clear steps to grow their revenue and position themselves as trusted advisors in the Medicare space.Connect with Ron: Website: http://www.ronhendersonins.com/RESOURCES + LINKSWatch the full episode on YouTube: HEREJoin thousands of successful Insurance Agents who have achieved over $200 million in sales FREE 7-Day Demo TRY NOWTEXT METext "BUZZ" to (816) 727-7610 to chat directly with MichaelFOLLOWWebsite: https://www.weaversa.comYoutube: https://www.youtube.com/@michaelweavertrainingLinkedin: https://www.linkedin.com/in/michaelweaverwsa/Facebook: https://www.facebook.com/themichaelweaverInstagram: https://www.instagram.com/_michaelweaver_/

Feeling overwhelmed by Medicare's Annual Election Period (AEP)? Don't worry, you're not alone! In this episode, Cameron Giardini and Joanne Giardini-Russell are here to simplify the process and guide you through the key changes coming for 2025. Whether you're happy with your current plan or unsure about what's next, we'll help you prepare and make confident decisions for the upcoming year.We'll walk you through:The AEP timeline is October 15 - December 7, 2024. What can you and can't do during this period?Medicare Advantage & Medigap updates: How to know if it's time to switch plans or stay with what you have.What to look for in your Annual Notice of Change (ANOC): We'll explain how to interpret the updates to your coverage and whether your plan still meets your needs.Part D prescription drug coverage: Changes in formularies, premiums, and how to ensure your medications are still covered.What happens if your Medicare Advantage plan is terminated: We'll walk you through your options if you're affected by major plan changes for 2025.Medigap underwriting tips: Learn how to switch to a Medigap plan, and what to know about medical underwriting.Even if you're completely satisfied with your plan right now, we'll show you why taking 15 minutes to review your coverage can save you from surprises next year. This episode is packed with practical advice for navigating Medicare's Annual Election Period, and we'll make sure you feel supported throughout the process.Take control of your Medicare coverage for 2025 with the help of this episode! Whether you're new to Medicare or just reviewing your current plan, we've got you covered. Tune in, and if you have questions, reach out to us at gmedicareteam.com or send an email to info@gmedicareteam.com. Don't forget to subscribe for more helpful tips, and check out our YouTube channel for even more Medicare content. Helpful Links

In this episode, Cameron Giardini and Joanne Giardini Russell from Giardini Medicare discuss the major changes coming to Medicare Advantage plans in 2025. With the landscape of Medicare Advantage evolving rapidly, it's more important than ever to stay informed and understand how these changes could impact your healthcare coverage.What we'll cover:- Current State of Medicare Advantage: Learn about the latest enrollment trends, premium changes, and why these plans have been so popular among Medicare beneficiaries.- What's Changing in 2025: We'll break down the upcoming changes, including higher utilization rates, lower-than-expected funding from the federal government, and the impact of the Inflation Reduction Act on Medicare Advantage plans.- Industry Insights: Hear what key players like AHIP, UnitedHealthcare, Aetna, and others are saying about the future of Medicare Advantage and how they are preparing for these shifts.- Potential Impacts on Your Coverage: We discuss the likely impacts of these changes, from potential premium increases and reductions in extra benefits to higher out-of-pocket costs and even some plans exiting certain markets.- Our Expert Takeaways: Get our thoughts on how these changes will affect you and your options for 2025, including alternative choices like Medigap and Part D plans.Whether you're currently enrolled in a Medicare Advantage plan or considering your options for the future, this episode provides a comprehensive guide to navigating the 2025 changes. We'll help you understand what to expect, how to prepare, and how to make the best decisions for your healthcare needs.Don't forget to subscribe and leave us a review so you never miss an episode! For more Medicare insights, search for Giardini Medicare on YouTube, or schedule a one-on-one call with one of our brokers at gmedicareteam.com. If you have any questions or feedback, feel free to reach out to us at info@gmedicareteam.com. Tune in now to stay ahead of the changes and make the most informed choices for your Medicare coverage in 2025!Video Sources: Wellcare Leaving Certain MarketsAetna Medicare Advantage Market ArticleMedicare Advantage Loss RatiosKFF Medicare Advantage Loss RatiosLoss Ratios and Supplemental BenefitsMedicare Advantage LandscapeUHC Utilization Article

“I praise you, for I am fearfully and wonderfully made. Wonderful are your works; my soul knows it very well.” - Psalm 139:14God made each of us in His image, yet unique in our own way. We have different abilities to serve the Kingdom and different needs. For example, our healthcare needs differ. We'll talk with Lauren Gajdek today about a great way to help you pay your individual healthcare costs.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of Faith & Finance. Christian Healthcare Ministries for Every ChristianChristian Health Care Ministries, or CHM, is for every Christian, regardless of where you live in the country or your denominational background. It's the body of Christ coming together to share each other's health care costs. Their common bond is the love we all have for God and the salvation we have through Jesus Christ.Healthcare needs differ and change over time. Whether you're a single person, a married couple, a younger or older married couple, have kids at home, or are an entrepreneur starting a business, CHM can go with you wherever you go. Even as you prepare for retirement, CHM can be a great solution for you.CHM Program OptionsLet's dive into the options available for different life stages:Bronze, $92 per unit, per month Silver, $138 per unit, per monthGold, $240 per unit, per monthSenior Share, $115 per unit, per monthYou can change your program and even have different family members on different programs, offering a lot of flexibility.The Sense of Belonging with CHMCHM is a Christian organization and a ministry first and foremost. They talk to people every day going through very difficult times, and participating in this program means receiving prayer and encouragement when you need it most. As 1 Corinthians 12:27 says: "You are the body of Christ, and each one of you is a part of it."Medigap and Medicare Advantage with Senior ShareCHM will also help with costs that Medicare doesn't cover. They do require Medicare enrollment if you're of the proper age, but if there's a gap in coverage, CHM can step in and help pick up those additional costs.If you want to learn more about Christian Healthcare Ministries (CHM), you can visit CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:I'm concerned that a mass transfer to cryptocurrency could affect credit, interest payments, and the US dollar. I recently received an inheritance, and I'm worried about how this could impact the growth of my money. Should I look into alternatives like gold instead of keeping my money invested?My wife and I inherited an IRA from my mother, who passed away from COVID. I started with about $215,000 in the account, which has now grown to around $235,000. With all the market volatility, I'm feeling a bit nervous about it. We also recently built a house with a mortgage of around $230,000 at an interest rate of 2.85%. I'm trying to decide whether to use some of the IRA money to pay off the mortgage or keep the IRA invested and let it grow over the next ten years before withdrawing it. What would be the best financial decision for my wife and me?I recently received some Walmart stock, about $5,200 worth, as part of an inheritance from my sister. The attorney sent me the cash. How do I report this on my taxes? Does the attorney need to send me a 1099, or do I just need to report the $5,200 I received? I usually file my taxes, but I want to ensure I handle this inheritance properly.Resources Mentioned:Christian Healthcare Ministries (CHM)Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.