Podcasts about original medicare

As you approach age 65, one of the most important—and often confusing—financial decisions you face is how to structure your Medicare coverage. Understanding the differences between Original Medicare and Medicare Advantage plans is essential for making an informed decision that aligns with your healthcare needs, financial situation, and lifestyle.

In this NGPF Podcast episode, Tim is joined by Lucretia Ryan, founder of FinancialFreedomForWomen.org, to dive deep into the complexities of Medicare. With years of experience helping women gain financial independence, Lucretia brings her expertise to the table, explaining the critical differences between Original Medicare and Medicare Advantage. She breaks down the often-overlooked details, including hidden fees, prior authorizations, and how to make the best decision based on your health and future needs. Lucretia also offers resources to help you navigate retirement planning and avoid common financial pitfalls. Whether you're preparing for Medicare or helping a loved one, this episode provides valuable insights to make informed decisions.

You have until March 31 to make a Medicare Advantage change If you have discovered that you have made the wrong choice in selecting a Medicare Advantage Plan (MA), January 1 begins the three month period allowing you to change to a different Medicare Advantage plan by March 31. Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null You can find Medicare Moments at: https://podcasts.seniorresource.com/medicare-moments/ Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

Medicare.gov is accepting enrollment for individuals eligible for Parts A (Hospital Insurance) & B (Medical Insurance). Individuals who have a Medicare Advantage plan may also use this time period to switch back to Original Medicare, or to change to a different Medicare Advantage plan. You can only join, switch, or Read More Shared by United Resource Connection February 15, 2025

If you have discovered that you have made the wrong choice in selecting a Medicare Advantage Plan (MA), January 1 begins the three month period allowing you to change to a different Medicare Advantage Plan or return to Original Medicare. Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

We start out with the Medicare Advantage Minute, in which the article stated, "The Medicare Advantage world is facing turmoil!"! If you can medically qualify for a Medicare supplement, it is time for you to dis-enroll from your MA plan, return to Original Medicare and purchase a supplement. I recommend High Deductible Plan G! From "Your Medicare Benefits 2024" come articles about how Medicare covers braces and breasts. More specifically braces for: arms, legs, backs and necks and for breasts: prosthesis! As mentioned above, Diane applied for Medicare supplement coverage scheduled to start in a couple of months. Find out what almost queered the deal! If you plan to move out of the US for a few years, will you be allowed to suspend your Medicare, supplement and drug plan until you return? Let me ask you a question, "Will you be working for a company with group health insurance"? If not, the answer is very simple. Finally, we review the three types of relationships a doctor may have with Medicare. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

This opinion piece on Medicare Advantage concerns the “hard-sell” that private insurance companies make this time of year on behalf of “Medicare Advantage,” the private insurance alternative to Original Medicare.  I record this podcast episode to warn seniors to do their homework, and ask the question, why are insurance companies so anxious to sell their … Continue reading NEW! Oh, Those Medicare Advantage TV Commercials (from One Not a Fan of Medicare Advantage)! →

Hans and Robby are back again this week with a brand new episode! This week they discuss which path is best for you between original medicare and medicare advantage.  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.

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.

Medicare Open Enrollment is upon us! Running from October 15th to December 7th, this window allows you to make important changes to your healthcare coverage. So, what should you be on the lookout for and what mistakes should you avoid during this time? Today, we're excited to welcome the one and only Ray Martin, the owner of Martin & Associates Insurance Services in Irvine, California. who will help us navigate this process. He is the author of The Nuts & Bolts of Original Medicare, Medicare Advantage and Medicare Supplement Insurance, and is a true expert in the field. Tune in as he walks us through the ABCs of Medicare and shares valuable tips for making informed choices.   Here's some of what we discuss in this episode: What is Medicare Open Enrollment season and how does it affect most seniors? Changes in Medicare advertising regulations The difference between Medicare Advantage and traditional Medicare plans Benefit changes in Medicare Advantage and Part D plans due to the Inflation Reduction Act The impact of IRMAA on seniors and the potential for increased costs Key mistakes to avoid during Open Enrollment   Resources for this episode: Last Medicare show – https://doncashpodcast.com/podcast/the-abcs-of-medicare/   Medicare Part D – https://www.medicare.gov/drug-coverage-part-d   Medicare Advantage – https://www.medicare.gov/health-drug-plans/health-plans/your-health-plan-options   Medicare Plan Big Changes for 2025 – https://www.wsj.com/health/healthcare/medicare-plans-are-making-big-changes-for-2025-heres-how-to-navigate-them-5c81fd05?st=aafBaT&reflink=desktopwebshare_permalink   Get in touch with Don and learn more: https://doncashpodcast.com/

Original Medicare, Medicare Advantage Plan, Medicare Supplement - which is required for your personal health needs? Toni explains the differences between an Advantage Plan and a Supplement - and their requirements and benefits.  Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com  Remember - with Medicare it's what you don't know that will hurt you!  There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni ow offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com  You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind.  Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments!  Blessings! Toni KingSee omnystudio.com/listener for privacy information.

Stick with Original Medicare. Do not allow insurance agents to sell you Medicare Advantage. You would not need to sign up yearly if it were reliable. You don't, with Original Medicare. Subscribe to our Newsletter: https://politicsdoneright.com/newsletter Purchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make America Utopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And Be Fit Now: https://amzn.to/3xiQK3K Tribulations of an Afro-Latino Caribbean man: https://amzn.to/4c09rbE

In this episode of Saving With Steve, host Steve Sexton is joined by Alexandra Abadie, a Senior Broker of HCAG Medicare Insurance Agency, based out of Southern California. They discuss what to know about Medicare, including the Medicare enrollment period, the difference between Original Medicare and Medicare part C, what people who are at the age of Medicare should be doing, how coverages affect your wallet, how to pick the right drug coverage, and more.   Learn more about the show at www.SavingWithSteve.us

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.

In this episode, we are joined by Josh Kinzel from Seniority Benefit Group to discuss key changes and updates for Medicare Open Enrollment 2024, highlighting how these alterations might impact current and prospective enrollees.Josh Kinzel brings 18 years of experience, with a focus on Medicare for the past 16 years. He assists individuals with the often intimidating and multifaceted choice of Medicare plans, alleviating concerns without any charge for services.Open Enrollment for Medicare runs from October 15th to December 7th each year. The discussion underscores the complexity of Medicare and the crucial nature of informed decision-making. Fidelity Investments estimates retirees' lifetime healthcare costs can exceed $160,000, making a thorough understanding of Medicare essential.A significant part of the episode is the reassurance that clients feel when working with local services familiar with area doctors and hospitals. The familiarity brings a level of comfort that can be very reassuring. Regarding premiums, there is uncertainty about the monthly Medicare premium, with a slight increase projected, reflecting typical stability during election years.Several impactful changes include the Inflation Reduction Act that aims to cap annual prescription drug costs at $2,000 by the next year and the Extra Help Program, which offers income-based assistance for drug costs to those earning below $23,000 (individual) or $31,000 (married couple). This program plans to eliminate premiums and deductibles while limiting drug charges significantly. This financial support could benefit millions of individuals.Medicare can now negotiate prices for certain drugs, akin to the Veterans Commission, starting with 10 approved drugs. This negotiation process is expected to lead to significant cost reductions, such as capping out-of-pocket costs at $2,000 and slashing insulin prices to $35 per month.An ongoing promotional push encourages eligible individuals to apply for the Extra Help Program, emphasizing the ease of application and potential savings. The podcast also stresses the importance of accessible information for those impacted.Updates to Medicare Advantage Plans were highlighted as they require mid-year updates to clients starting in 2025 to promote better utilization of available benefits like exercise programs, grocery benefits, and gym memberships, including the popular SilverSneakers program. Expansion in mental health and dementia care programs is also covered, offering support for older adults and caregivers. Additionally, expanded access to 24/7 mental health and dementia care support aims to help patients stay at home longer.Planned negotiations for more drugs will start in 2025, with further expansions expected in 2026. The history of prescription coverage pre-2006 meant patients bore full medication costs, which evolved post-2006 into a system involving co-pays and deductibles, with significant changes brought by the Inflation Reduction Act, including the elimination of the donut hole and the introduction of a $2,000 cap on drug expenses.Medicare's unique parts are outlined: Part A covers hospitalization often with no cost for those who've worked 40 quarters, and Part B covers outpatient services with a 2024 premium of $174.70, typically accounting for 80% of medical claims. Beyond basic Medicare, paths include Original Medicare with Supplements (Medigap) and separate Part D for prescriptions or Medicare Advantage (Part C), which integrates Parts A, B, and often D into one plan managed by a private insurer.Josh emphasizes the non-profit nature of brokers and their role in educating clients without influencing the cost of insurance. Local expertise provided by groups like Seniority Benefit Group is invaluable in navigating Medicare options. Key Moments00:00 Helping with Medicare choices free of charge.03:48 Internship...

Medicare planning is complex, and people often receive a confusing flurry of insurance marketing material when they turn 65. In today's episode, we talk to Medicare expert Dana Lasman. Dana explains the basics of Medicare in an understandable way so you can make sense of your options. Dana reviews: •⁠  ⁠Medicare eligibility and how to enroll •⁠  ⁠⁠Unbiased resources for evaluating the different Medicare options •⁠  ⁠⁠The different parts of Medicare – A, B, C, D and all the way to N. What do these letters stand for? •⁠  ⁠⁠Original Medicare v. Medicare Advantage •⁠  ⁠⁠The components of medical expenses when on Medicare -- i.e. premiums, co-pays, co-insurance, deductible and max out of pocket cost?

In this informative episode of Thriving Practice, host Tracy Cherpeski interviews Marvin Musick, a Medicare education expert, to demystify the complexities of Medicare for practice owners and patients alike. Marvin shares valuable insights on making informed decisions about Medicare options, the importance of supplemental plans, and how these choices impact both healthcare providers and patients. Key Points: Understanding Medicare options: Original Medicare with supplemental plans vs. Medicare Advantage plans The importance of educating yourself about Medicare before making decisions How Medicare choices affect healthcare providers and their practices Considerations for small business owners regarding employee health coverage The benefits of Medicare supplemental plans for both patients and providers The impact of high-income earners on Medicare premiums The portability and nationwide coverage of Medicare supplemental plans The importance of timing when enrolling in Medicare Resources for Medicare education, including Marvin's Medicare School Notable Quotes: "Don't make any decisions until you really understand what you're doing because your choice is gonna have consequences." - Marvin Musick "We're not trying to sell something. Although we write plans, that's how we make our living. But the platform is all about understanding." - Marvin Musick on Medicare School Resources Mentioned: - Medicare School YouTube channel: medicareschool.com - Medicare Mondays on Facebook Live - Thriving Practice Community: thrivingpracticecommunity.com Marvin's Bio: MARVIN MUSICK and his son, Joshua, co-founded MedicareSchool.com in 2009. Their mission: to offer unbiased and education-centric services to those approaching Medicare enrollment. As a nationally sought-after speaker and expert in Medicare, Marvin has empowered over 100,000 individuals by providing clear guidance and facilitating enrollment in the most suitable Medicare plans. Witnessing numerous people grappling with conflicting advice and overwhelmed by information overload on Medicare, Marvin is committed to an education-first approach. He strives to demystify the complexities, ensuring clients comprehend their options without any pressure to purchase. Through MedicareSchool.com, Marvin and his team of licensed Medicare guides aim to liberate individuals from the confusion surrounding Medicare, empowering them with knowledge and guidance for a worry-free retirement through optimal Medicare plans. Find Marvin: Website Marvin's LinkedIn Company LinkedIn Facebook Twitter @marvin_musick Connect With Us: Be a Guest on the Show Thriving Practice Community Schedule Strategy Session with Tracy Tracy's LinkedIn Business LinkedIn Page Thriving Practice Community Instagram

In this episode of Saving With Steve, host Steve Sexton is joined by Alexandra Abadie, a Senior Broker of HCAG Medicare Insurance Agency, based out of Southern California. They discuss what to know about Medicare, including the Medicare enrollment period, the difference between Original Medicare and Medicare part C, what people who are at the age of Medicare should be doing, how coverages affect your wallet, how to pick the right drug coverage, and more.   Learn more about the show at www.SavingWithSteve.us

Toni makes sure that listeners know that there is no re-do with Medicare. Research and applying the right way the first time is most important! Need more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com  Remember - with Medicare it's what you don't know that will hurt you!  There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni ow offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com  You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind.  Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments!  Blessings! Toni See omnystudio.com/listener for privacy information.

  Finding gaps in your client's Original Medicare coverage? Make sure your clients are getting the coverage they need by offering Medicare Supplements. Get the 101 breakdown and more in this episode!   Understanding Medicare Supplements Knight School - FREE Online Training   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download: https://ritterim.com/med-supp-underwriting-guide/ Finding the Best Medicare Supplement Plan Letter for Your Client: https://link.chtbl.com/ASG480 Getting Started Selling Medicare Supplements: https://link.chtbl.com/ASG497 Knight School Med Supp benefit PDF: https://ritterim.com/downloads/knight-school-medicare-supplement-breakdown.pdf The Complete Guide on How to Sell Medicare Supplements FREE eBook Download: https://ritterim.com/med-supp-ebook/   References: Compare Medigap Plan Benefits: https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits Get Medigap Basics: https://www.medicare.gov/health-drug-plans/medigap/basics What's Medicare Supplement Insurance (Medigap)? https://www.medicare.gov/health-drug-plans/medigap   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Toni explains how to appeal a Medicare claim. You only have 120 days from payment to submit your appeal. Original Medicare has the Medicare Summary Notice available quarterly. Need more information? Take advantage of Toni's brand new video series now a available at  https://tonisays.com/store/ Remember - with Medicare it's what you don't know that will hurt you!  There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com/store/  You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind.  Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments!  Blessings! Toni See omnystudio.com/listener for privacy information.

Ever wondered how to avoid the costly pitfalls of Medicare? Join us for this enlightening episode of Money Chic Financial Education with Shari Rash as we sit down with Danielle Roberts, founding partner at Boomer Benefits and author of the bestselling book "10 Costly Medicare Mistakes you Can't Afford to Make." Danielle shares her incredible journey from a health insurance agent to a leading Medicare expert, driven by the growing need for clear and comprehensive Medicare information. We unravel the complexities of Medicare, breaking it down into understandable parts and distinguishing it from Medicaid. Learn about Medicare's historical significance for retirees and why timely enrollment is crucial to avoid penalties. Prepare yourself for an in-depth exploration of Medicare coverage and enrollment essentials. From understanding Part A and Part B to the seven-month initial enrollment period around your 65th birthday, Danielle provides critical insights you can't afford to miss. Discover what Medicare doesn't cover, such as long-term care, dental, vision, and hearing, and the importance of planning for these gaps. Whether you're automatically enrolled through Social Security or need to actively enroll if delaying Social Security, this episode will guide you through every step to ensure you're adequately covered. Intrigued by the options under Medicare Advantage plans? We've got you covered. Danielle delves into the challenges related to accessing care, especially mental health services, and the distinction between Original Medicare with Medigap plans versus Medicare Advantage plans. We discuss strategies for managing premiums for high-income earners and the potential benefits of standardizing Medicare Advantage plans to simplify your decision-making. Equip yourself with knowledge from one of the foremost experts in the field to confidently navigate your retirement health coverage needs.  Connect with Danielle: https://daniellekroberts.com/ https://www.linkedin.com/in/daniellekunkle/ -- Confident, healthy, informed and capable. That's what it means to be Money Chic. Join Financial Advisor Shari Rash each episode as she helps break down financial challenges and questions facing today's families in a no-nonsense  way. Shari will share secrets she has learned through the years about personal finance and show you ways to enhance your life, financial plans, your family's future all to make sure you're Money Chic! Shari is the founder of Greenway Wealth Advisory Financial planning questions? Check out Shari's website and blog at https://greenwaywealthadvisory.com/ Phone: 833-833-1903  Email: shari@greenwaywealthadvisory.com

  What happens when a Medicare Advantage client wants to switch to Original Medicare? Depending on WHEN they enrolled, they may qualify for the Medicare Advantage Trial Right Period. Listen to learn more about how it works and who qualifies.   Read text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.    Resources: Helping Clients Navigate Medicare's Durable Medical Equipment Coverage: https://ritterim.com/blog/helping-clients-navigate-medicares-durable-medical-equipment-coverage/ How to Be an Adaptable Insurance Agent: https://link.chtbl.com/ASG582 How to Check Medicare Extra Help Eligibility for Your Client: https://ritterim.com/blog/how-to-check-medicare-extra-help-eligibility-for-your-client/ Interview: Training Opportunities for Agents at Ritter Insurance Marketing: https://ritterim.com/blog/interview-training-opportunities-for-agents-at-ritter-insurance-marketing/   Medicare Advantage Emergency-Related SEPs: https://ritterim.com/blog/medicare-advantage-emergency-related-seps/ Medicare Advantage Open Enrollment Do's and Don'ts: https://link.chtbl.com/ASG574 Surviving AEP: https://ritterim.com/aep/ What Beneficiaries Value Most in Medicare Advantage Plans: https://link.chtbl.com/ASG555   References:  Joining a Medicare Health Plan: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan Learn How Medigap Works: https://www.medicare.gov/health-drug-plans/medigap/basics/how-medigap-works Medigap Open Enrollment Period: https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy   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 Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance   Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Are you fully protected with your current Medicare plan? In our latest podcast episode, we dive deep into the often-overlooked yet vital insurance options that complement Medicare. Discover how specific plans can shield you against unforeseen expenses related to cancer, hospitalization, travel, and more. Whether you're enrolled in Original Medicare, Medicare Advantage, or Medigap, we've got insights that could save you from unexpected financial burdens.In This Episode, We Explore:Cancer Insurance: Learn how lump-sum cancer policies work alongside your existing Medicare Advantage or Medigap plans, providing financial aid during challenging times.Hospital Indemnity Insurance: Understand how this type of insurance can alleviate out-of-pocket costs associated with hospital stays, especially for those with Medicare Advantage.Short-Term Care/Home Health Care: We discuss options for short-term care insurance that fills gaps left by Medicare in skilled nursing and home health care scenarios.Travel Insurance Needs: With Medicare coverage limitations abroad, find out why travel insurance is crucial for your peace of mind during overseas trips.Contact Us:Need personalized advice? Schedule a consultation with our experts at Giardini Medicare at https://gmedicareteam.com/ or drop us a message at info@gmedicareteam.com. Visit our YouTube channel for more content on making the most of your Medicare coverage.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.You can also connect with and learn more on TikTok and our private Facebook Group. While you're at it, check out our Google Reviews! Please get added to our mailing list so we can stay in touch with you.Sources:Milliman Report about 2024 MOOPMedicare Skilled Nursing CoverageMedicare Home Health ServicesMedigap Foreign Emergency CoverageMedicare Coverage Outside of U.S.GeoBlue Travel InsuranceAmerican Cancer Society Facts and Figures

We fixed the audio issue! In this episode of "Insurance Business Babes," hosts Kathe Kline and Joanna Wyckoff discuss a controversial subject among insurance agents. They talk about the reasons why hospital and healthcare workers dislike Medicare Advantage Plans, delving into specific issues such as prior authorizations, network restrictions, and reimbursement rates that contribute to the discontent. The conversation also highlights real-life examples and emphasizes the need for insurance agents to be well-informed so they can provide valuable guidance to their clients AND the healthcare workers who can refer.

In this episode, we're tackling a common question among Medicare Advantage enrollees: How do you switch to a new Medicare Advantage plan or transition to Medicare Supplement (Medigap) and Part D coverage? If you're considering a change or want to understand your options, this is for you.Hosted by Cameron Giardini and Joanne Giardini-Russell of Giardini Medicare, we provide clear, actionable information on navigating Medicare changes. Our agency, based in southeast Michigan, assists consumers across 13 states in finding suitable Medicare coverage. For those living outside of these states, we connect you with reliable agents who can help.In This Episode:- An introduction to Medicare Advantage plans and how they compare to Original Medicare.- A breakdown of when and how you can switch Medicare Advantage plans or move to Medigap and Part D coverage.- Real-world examples to illustrate the change process and what to expect.Before you go, consider subscribing for more Medicare insights and visit our website for personalized support. Schedule a call with our licensed brokers at gmedicareteam.com or contact us at 248-871-7756 for direct assistance.Tune in to demystify the process of changing your Medicare Advantage plan and equip yourself with the information needed to make informed healthcare decisions.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Advantage Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periodsMedigap Guaranteed Issue Rights: https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf

In this episode of our podcast, we delve deep into the intricacies of Medicare Advantage (Part C) plans, a popular choice among Medicare beneficiaries. With many  $0/month premium options that offer additional benefits not covered by Original Medicare, many are left wondering, "What's the catch?" Join us as we answer that very question!Key HighlightsUnderstanding Medicare Advantage: A concise overview of how these plans work, their history, and why they're an attractive option for seniors.Funding Insights: Insight into the funding process, including federal budget impacts and the shift in Medicare payments towards these plans.Differences Unveiled: A look at how Medicare Advantage and Original Medicare funding diverge, emphasizing the capitated payments model.Key Terms Explained: Simplified explanations of benchmarks, risk scores, and quality payments, and their roles in Medicare Advantage funding.Challenges Addressed: Discussion on the systemic issues like risk adjustment, coding practices, and their implications for beneficiaries and Medicare's future.Our Take: Reflecting on the balance between offering valuable benefits to beneficiaries and the financial realities facing Medicare Advantage plans.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: We used far too many sources in the making of this episode to list here, but here is a link to a Google doc that includes the sources so you can take a look and do a deep dive on your own! https://docs.google.com/document/d/1kpE8TX-cXcEzVK5FFbZ7EUcgdD3qfdIRLFXxiuHefx0/edit?usp=sharing

Whether you're a first-time enrollee or a seasoned Medicare beneficiary, understanding yearly Medicare cost changes is key to managing your healthcare expenses effectively. In this episode, we cover everything from Original Medicare costs to Medicare Advantage, Medigap, Part D, and even unexpected Medicare costs, ensuring you're well-prepared for the year ahead.Original Medicare Costs for 2024:Part A Premiums: $0/month for most, up to $505/month based on work history. Part B Premiums: A base premium of $174.70/month. Part B OOP Costs: $240 yearly deductible, 20% coinsuranceMedicare Advantage Costs:Average Premium: $18.50/month, with 66% of plans offering $0/month premiums.Out-of-Pocket Costs: Maximum in-network MOOP of $8,850Medigap (Medicare Supplement) Costs:Premiums vary by plan letter and geography, with significant differences across states and insurance providers.Out-of-Pocket Costs: Affected by the annual Part B deductible changes.Part D Prescription Drug Plan Costs:Average Premium: $55.50/month, with a wide range of premiums available.Deductibles and Coverage Limits: Maximum deductible of $545, with the initial coverage limit increased to $5,030.Unexpected Medicare Costs:IRMAA: Additional charges for higher-income individuals.Penalties for late enrollment in Part B and Part D.Future Projections for Medicare Costs:Insights from the latest Medicare Trustees' report on expected cost increases in the coming years.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:2024 Original Medicare Costs2024 Max out-of-pocket limitPart D 2024 Landscape FileKFF 2024 Medicare Part D Costs

Medicare.gov is accepting enrollment for individuals eligible for Parts A (Hospital Insurance) & B (Medical Insurance). Individuals who have a Medicare Advantage plan may also use this time period to switch back to Original Medicare, or to change to a different Medicare Advantage plan. You can only join, switch, or Read More Shared by United Resource Connection February 9, 2024

In this latest episode, we dive into the world of Medigap plans for 2024, guiding you through the maze of Medicare Supplements. Perfect for those transitioning to Medicare, we address the vital question: "Which Medigap plan is right for me?"Key Segments:1. Understanding Medigap Plans: A brief yet comprehensive overview of Medigap plans, explaining their role alongside Original Medicare.2. Popular Plans - F, G, N: We examine the pros and cons of the most sought-after plans F, G, and N, helping you identify which aligns with your healthcare needs.3. Exploring Lesser-Known Options: We shed light on other Medigap plans that might be the right fit for your unique situation.4. Long-Term Financial Implications: Understand the long-term cost impact of each plan choice, ensuring your decision is financially sound for years to come.Highlights:Plan F: Coverage details, eligibility, and suitability.Plan G: Ideal candidates for this comprehensive coverage plan.Plan N: Balancing affordability with coverage - is Plan N for you?High Deductible Plans: The pros and cons of plans like high deductible plan G.Geographical Factors: How your location influences plan choice and pricing.Cost Analysis: A concise comparison of long-term costs for key plans.Conclusion:Discover the ideal Medigap plan for your needs in 2024 with our insightful episode. Whether you're considering Plan G's comprehensive coverage, Plan N's value, or other options, we provide the clarity you need for a confident Medicare transition.Join us for a concise, informative exploration of Medigap plans. Tune in now!

Join us in our latest podcast episode as we unravel the critical debate of Medicare Advantage vs. Medicare Supplements in 2024. This episode is essential for anyone on Medicare, providing insights into making the most informed decision for your healthcare needs.Inside This Episode:1. Original Medicare Overview: Quick guide to Part A and B, highlighting the necessity of being enrolled in both parts of Original Medicare before enrolling in MAPD or Medigap coverage.2. Medicare Supplement (Medigap) Coverage: Explore the role of Medigap in filling Original Medicare's coverage gaps, focusing on popular plans like G, N, and high-deductible Plan G.3. Medigap Pros and Cons: Analyze the benefits and drawbacks, including benefits like nationwide provider access and negatives such as potential premium increases.4. Understanding Medicare Advantage Plans: Learn about Medicare Advantage as a private alternative to Original Medicare, including Part D coverage.5. Medicare Advantage Pros and Cons: Discover the advantages of low premiums and extra benefits, balanced against network restrictions and possible higher out-of-pocket costs.6. Making the Right Choice: Insights into long-term planning and choosing between Medigap and Medicare Advantage.7. Enrollment Trends: Current trends in Medicare Advantage and Medigap enrollments, with a focus on future implications.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: 2024 Average Medicare Advantage PremiumsKFF Medicare Advantage LandscapeMedPAC Medicare Advantage Enrollment NumbersTelos Actuarial Medigap Report

Generally, seniors 65 and older – who are retired and no longer use employer-provided insurance – will need to choose between Original Medicare and Medicare Advantage. This can be a daunting choice, with tradeoffs to each. Reset learns about the different parts to Medicare and gets advice for thinking through the options with Mary Mitchell, columnist and director of culture and community engagement for the Chicago Sun-Times, and Tricia Neuman, executive director of KFF's Program on Medicare Policy.

A plethora of changes for Social Security and Medicare Part B premiums were recently announced and I want to break them down for you. On this episode, we'll take a look at the 2024 Social Security cost-of-living adjustment (COLA), changes to Medicare Part B, and other Social Security shifts that could impact your retirement. You will want to hear this episode if you are interested in... Diving into the 2024 Social Security cost-of-living-adjustment [1:22] Changes for Medicare and Part B premiums [4:38] Increases to the Social Security Wage Base [8:06] Does COBRA count as creditable coverage instead of signing up for Medicare? [10:03] Understanding 2024's Social Security COLA  Starting in January of next year, Social Security beneficiaries will receive a 3.2% increase in their benefit checks. While it's slightly less than the substantial 8.7% bump we saw last year, it's still higher than the historical average of 2.8% for cost-of-living adjustments. This increase is determined by measuring the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) during the third quarter and comparing it to the previous year. The days of a 3% minimum rule from the 1970s are long gone, and now COLAs happen automatically based on the yearly rise of the CPI-W. The best part is, you don't need to rush to contact Social Security. They'll be sending out notifications by mail in early December with your updated monthly benefit amount. If you're eager to stay ahead of the game, you can visit the Social Security website at ssa.gov to set up email or text notifications. So, whether you're already receiving Social Security or planning to start, rest assured that the 2024 COLA will factor into your benefits, providing a little extra financial security in an ever-changing world. Changes for Medicare Part B and IRMAA charges Significant changes are afoot for Medicare Part B premiums in 2024, impacting current and prospective beneficiaries. The base premium for Medicare Part B will increase from $164.90 in 2023 to $174.70 in 2024. This shift comes after a slight decrease in Part B premiums last year, providing some respite for Social Security recipients. However, the waters get murkier with the introduction of IRMAA (Medicare Income-Related Monthly Adjustment Amount) charges, which can further inflate Part B premiums. These additional charges range from $69.90 to $419.30, depending on your income, and the thresholds for IRMAA triggers have also been raised for 2024.  Single filers with incomes exceeding $103,020 and married couples filing jointly with incomes over $206,000 will find themselves subject to IRMAA. You need to keep an eye on your income and explore strategies to mitigate IRMAA charges, as these adjustments also apply to Part D prescription drug plans for those on Original Medicare with Medigap coverage. Remember, informed financial planning is the key to navigating these changes effectively. Listen to this episode for more on Social Security changes in 2024! Resources Mentioned Retirement Readiness Review Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact

Medicare's Annual Enrollment Period - AEP - is October 15th to December 7th every year.  Toni explains what you can do during Medicare's AEP - Annual Enrollment Period. Toni explains changes that you can make, such as Medicare Part D plans, Medicare Advantage Plans and more. You can enroll in Original Medicare and a stand alone prescription drug plan. Toni explains the Part D plan penalty and how it can cost you if you do not enroll in a prescription plan - even if you do not take prescription drugs. Toni will have a prescription drug video on the tonisays.com website.   There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and www.tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions.  You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguGSpotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind.  Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments!  Blessings!See omnystudio.com/listener for privacy information.

Trying to understand Medicare programs can be challenging if you don't understand the long-term financial and health impacts of your choices. If you are a caregiver for an aging parent, an adult enrolling in Medicare, or enrolled and thinking about changing plans, learn how Original Medicare, a Medicare Supplement, or Medicare Advantage offers access to medical care and the providers you see.

Navigating Medicare can sometimes feel like a maze, and that's exactly what we're unpacking in our latest podcast episode about the ins and outs of Medicare coverage. In this comprehensive episode, we explore:- Medicare Part A: What does it mean by "room and board" in a hospital?- Medicare Part B: From doctors to preventive services, we discuss the medical insurance part of Medicare.- Medicare Advantage: A bundled alternative to Original Medicare—what does it really offer?- Medicare Part D: Navigating the labyrinth of prescription drug coverage.- Medigap Coverage: How to fill the gaps left by Original Medicare.- What Medicare Doesn't Cover: Knowing the limits can save you from unexpected costs.IMPORTANT: Be aware that coverage does not mean zero cost to you. Coinsurance or out-of-pocket costs often apply. Also, you must use Medicare-approved providers for coverage.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Definition of Medical NecessityMedicare Coverage DatabaseMedicare MAC'sMedicare and You HandbookMedicare Benefit Policy ManualSkilled Nursing 3 Midnight RuleDrugs not covered by MedicareUnderstanding Medicare AdvantageOIG Prior Authorization Report

Dave Cohen in for Tommy. Dave talks with Dr. Brent Wallis (Dr. B), Chief Medical Officer of People's Health

If you're one of the millions of Americans eligible for Medicare, you're likely familiar with open enrollment. That's the stretch from Oct. 15 to Dec. 7 every year when you're allowed to make changes to your coverage. And for most people, that's the only time you can. In order to get the best Medicare coverage for your personal situation, you need to understand your options. And that's exactly what we're going to go over in today's podcast. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Hollie Cohen, a Licensed Medicare Specialist with Preferred Health Group is here to help us navigate the ins and outs of Medicare open enrollment. Before we start, remember: We're not offering financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can listen to the podcast with the player at the top of this page, or download it wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Medicare open enrollment and signing up for Medicare Medicare open enrollment is a once-a-year event. However, there are times when you can sign up for Medicare outside of the open enrollment period. Our guest has great information on signing up for Medicare, including what you need to know before choosing between Original Medicare, Medicare plus Medigap, and a Medicare Advantage plan. We also have some good resources that can help you as you figure out the ins and outs of Medicare, including open enrollment. Below are some articles; you can also check out another podcast episode we did on Medicare. 3 Groups Who Can Get Medicare Before Age 65 7 Different Types of Medicare Enrollment Periods 5 of the Best Medicare Advantage Plans, According to Members A Little-Known Downside of Medicare Advantage Plans 6 Medicare Mistakes To Avoid for a Healthy Retirement 4 Pitfalls for New Medicare Enrollees 8 Free Resources for Navigating Medicare Enrollment Periods 5 Things Most Seniors Get Wrong About Medicare Do You Have to Sign Up for Medicare? Making the most of Medicare Using Medicare to your advantage is an important part of making the most of your retirement health and your finances. It's important to consider potential penalties, as well as understand costs and other items related to Medicare. The following resources can help you avoid higher costs and get more from Medicare. 14 Things That Are Free With Medicare 4 Types of Medicare Penalties — and How to Avoid Them Which Type of Medicare Costs More in the Long Run? Medicare Will Not Cover These 10 Medical Costs How to Save Money on Everything Medicare Doesn't Cover 7 Ways to Score Cheap or Free Dental Work for Seniors on Medicare How to Save Money on Hearing Aids With Medicare Medicare Vision Coverage: How to Save Money on Eyeglasses and Exams Medicare to Cover Alzheimer's Drugs 6 Ways to Get Help With Medicare Expenses Save Money on Medicare With State Health Insurance Assistance Programs 8 Ways to Avoid Paying More in Medicare Premiums Meet this week's guest, Hollie Cohen Hollie Cohen, the licensed independent broker and proud owner of MedigapCares.org, a nationwide agency specializing in personalized Medicare coverage solutions, has an inspiring journey that spans the worlds of advertising, insurance, and financial wisdom. Licensed nationwide, Hollie possesses a unique ability to help people grasp the crucial differences between Original Medicare paired with a Medicare supplement (also known as a Medigap plan) versus Medicare Advantage. With over a decade of experience in the insurance industry, Hollie has been a licensed agent for the last 12 years. Hollie's influence extends to her recognition as a seven-time Mutual Sales Leader for one of the nation's largest Medicare supplement carriers, Mutual of Omaha. Her exceptional knowledge and dedication have earned her a seat on their board, where she contributes her insights to shape the future of the Medicare insurance industry. Website Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Medicare's Annual Enrollment Period - AEP - is October 15th to December 7th. What changes can you make during this time? Toni discusses Original Medicare Parts A & B, Original Medicare, Prescriptions Part D, Medicare Advantage Plans, also called Part C.  Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and www.tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions.  You can find us wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguGSpotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind.  Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact us at 832-519-8664 Please share our podcast with your friends!  Thank you for listening and be sure to tell your friends about Medicare Moments!  Blessings!See omnystudio.com/listener for privacy information.

This interview will help you to learn the pros and cons of Original Medicare and Medicare Advantage plans from an unbiased 3rd party. You will be better prepared to make the correct choices during Open Enrollment.  Support the show

In today's episode, we unlock the secrets to a seamless transition to Medicare for those approaching 65. Dive deep with us as we delve into these crucial topics:  Understanding Medicare Options Early: Time it Right! Begin your exploration about a year before turning 65. Familiarize yourself with topics, terminology, and even the nitty-gritty of Medicare Advantage vs. Medigap coverage.Parts of Medicare Decoded: From Original Medicare (Part A and B) to the differences between Part C (Medicare Advantage) and Part D (prescription drug coverage), we break down the complex world of Medicare for you.Medicare Advantage vs. Medigap: It's the pivotal decision every Medicare enrollee grapples with. We guide you through the specifics so that you can choose wisely.The True Costs of Medicare: Get the lowdown on what you'll pay for Medicare. We discuss Original Medicare costs, Medicare Advantage, Medigap, and the vital programs that offer financial assistance.Tackling Lesser Known Medicare Scenarios: Medicare's interaction with COBRA, HSAs, and the Marketplace can be intricate. We demystify these scenarios for you, ensuring you don't miss out on crucial details.Join us as we also share invaluable tips on when and where to gather information about Medicare, highlight the importance of consulting independent brokers, and emphasize the pitfalls to avoid. We've got everything covered to ensure your transition to Medicare is as smooth as possible. Tune in now!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:2023 Average Part D PremiumKFF Ranges of Part D Premiums2023 Part B Premiums and IRMAAMedicare and Marketplace guide

In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Amanda Brewton, Principal Owner of Medicare Answers Now. Amanda shares her insights and expertise in the Medicare field and offers valuable advice on marketing and selling Medicare plans, building relationships, and the need for education and referral-based marketing. Episode Highlights: Amanda shares her journey from working in a call center to starting her agency, which focuses on teaching and development for insurance agents. (4:16) Amanda mentions that Medicare commissions are dictated by CMS, while life insurance commissions can be set by the entity, and Medicare agents are typically paid directly by the carrier. (11:48) Amanda explains Medicare is a complex system with different parts and options, including Original Medicare, Part D for prescription drugs, and Medicare Supplements or Advantage plans, each with its own benefits and costs. (17:00) Amanda discusses the different approaches and strategies for selling insurance, particularly in the Medicare market, the importance of finding the right business model and target market, and the need for education and referral-based marketing. (36:55) Amanda shares that she runs two companies, one focused on Medicare answers and the other on insurance answers for beneficiaries, and she creates digital content for both demographics through various platforms like YouTube, TikTok, blog posts, Facebook, and LinkedIn. (46:08) Amanda expresses her motivation to change the insurance industry stereotype and ensure people have accurate information and support. (52:00) Tweetable Quotes: “Candidly, I get paid to make other people's lives better. I help the agent achieve their dreams and make their lives and their employees' lives better.” - Amanda Brewton “There are so many different ways to fundamentally grow your business and go after your target market.” - Amanda Brewton “I want to change how people view the insurance industry as a whole. I want to have it where I know that grandma has gotten what she's needed.” - Amanda Brewton Resources Mentioned: Amanda Brewton LinkedIn Medicare Answers Now David Carothers Kyle Houck Florida Risk Partners The Extra 2 Minutes

In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Amanda Brewton, Principal Owner of Medicare Answers Now. Amanda shares her insights and expertise in the Medicare field and offers valuable advice on marketing and selling Medicare plans, building relationships, and the need for education and referral-based marketing. Episode Highlights: Amanda shares her journey from working in a call center to starting her agency, which focuses on teaching and development for insurance agents. (4:16) Amanda mentions that Medicare commissions are dictated by CMS, while life insurance commissions can be set by the entity, and Medicare agents are typically paid directly by the carrier. (11:48) Amanda explains Medicare is a complex system with different parts and options, including Original Medicare, Part D for prescription drugs, and Medicare Supplements or Advantage plans, each with its own benefits and costs. (17:00) Amanda discusses the different approaches and strategies for selling insurance, particularly in the Medicare market, the importance of finding the right business model and target market, and the need for education and referral-based marketing. (36:55) Amanda shares that she runs two companies, one focused on Medicare answers and the other on insurance answers for beneficiaries, and she creates digital content for both demographics through various platforms like YouTube, TikTok, blog posts, Facebook, and LinkedIn. (46:08) Amanda expresses her motivation to change the insurance industry stereotype and ensure people have accurate information and support. (52:00) Tweetable Quotes: “Candidly, I get paid to make other people's lives better. I help the agent achieve their dreams and make their lives and their employees' lives better.” - Amanda Brewton “There are so many different ways to fundamentally grow your business and go after your target market.” - Amanda Brewton “I want to change how people view the insurance industry as a whole. I want to have it where I know that grandma has gotten what she's needed.” - Amanda Brewton Resources Mentioned: Amanda Brewton LinkedIn Medicare Answers Now David Carothers Kyle Houck Florida Risk Partners The Extra 2 Minutes

More Americans over the age of 65 are now selecting Medicare Advantage over traditional Medicare for their health insurance coverage, according to the U.S. Congressional Budget Office (CBO). What's more, ... The post MTT #75: Original Medicare or Medicare Advantage? appeared first on Fixing Healthcare.

More Americans over the age of 65 are now selecting Medicare Advantage over traditional Medicare for their health insurance coverage, according to the U.S. Congressional Budget Office (CBO). What's more, ... The post MTT #75: Original Medicare or Medicare Advantage? appeared first on Fixing Healthcare.

This comprehensive episode starts with the basics, clearly stating what Medicare truly is and who is eligible to benefit from it. We'll explore the complexities of costs, diving deep into the specifics of premiums, deductibles, copayments, and out-of-pocket limits. Understand how and when to enroll without falling into the late enrollment penalty trap. We'll delve into the essential coverages of Original Medicare, specifically Part A (hospital insurance) and Part B (medical insurance), so you know what's covered and what's not. And it's not just about the available plans – we'll also guide you on how to make informed choices that fit your healthcare needs and lifestyle. Moving away from the usual debate between Medicare Supplement (Medigap) and Medicare Advantage, this episode is about equipping you with the knowledge to navigate Medicare's labyrinth easily. Prepare to enhance your healthcare literacy, make informed decisions, and steer your Medicare journey with conviction. Don't miss out on this opportunity to empower your healthcare journey!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources for the episode: Medicare Eligibility CalculatorDefinition of MedicareMedicare Creation HistorySSA Source about Medicare Basics99% of people get premium-free Part AWhat Medicare CoversSpouses work history for Premium-Free Part ASSA regulation for using a spouse's work history

Are Medicare Advantage plans as bad as people on social media make them seem? Should you just enroll in a Medicare Supplement plan instead?Some of the "pros" of Medicare Advantage plans include:- They often provide extra benefits that are not covered by Original Medicare- Low monthly premiums (often $0/month)- Prescription drug coverage is typically included in Medicare Advantage coverage- Maximum out of pocket that Original Medicare does not have- Ability to change from one Medicare Advantage plan to another Medicare Advantage plan without health questionsSome of the "cons" of Medicare Advantage plans include:- Prior Authorization- Potential referrals to see in-network specialists- Networks of providers- Potentially higher medical costs compared to Medigap plans- Yearly contracts with benefits that can and will change every year*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources: Understanding Medicare Advantage Plans PDFHow does Medicare Advantage plans work?Services covered by Medicare AdvantageKFF Medicare Advantage in 2022 StudyOfficial CMS Medicare and You HandbookKFF Study about Medicare Advantage Prior AuthorizationMedicare.gov things to know about Medicare Advantage

Are Medicare Advantage plans more popular and better than Medicare Supplement plans now? Should you still consider enrolling in a Medicare Supplement plan?Some of the "pros" of Medigap plans include:- Freedom to see providers across the country that accept Original Medicare- Low out-of-pocket medical costs- Prior authorization is very rarely ever needed- Plans are guaranteed to renew as long as you pay your monthly premiums- Premium increases are not determined by your individual claimsSome of the "cons" of Medigap plans include:- Medigap plans rarely cover services not covered by Original Medicare (like routine physicals)- Higher monthly premiums than Medicare Advantage plans, and premiums increase over time- Prescription coverage is not included and must be purchased separately- You may not be able to change to a new Medigap plan in the future*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources: Medicare and You Official HandbookOfficial Choosing a Medigap Policy Guide