Podcasts about part b

  • 1,476PODCASTS
  • 6,857EPISODES
  • 37mAVG DURATION
  • 1DAILY NEW EPISODE
  • Oct 26, 2025LATEST

POPULARITY

20172018201920202021202220232024

Categories



Best podcasts about part b

Show all podcasts related to part b

Latest podcast episodes about part b

Connect with Skip Heitzig Podcast
I Failed! What Now? - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 26, 2025 24:00


One of life's harshest realities is failure. The very sound of the word seems harsh to our sensibilities. We even harbor the age-old axiom, "Failure is not an option!" But failure is an option; in fact, it's a certainty. But discouragement and failure are two of the surest stepping-stones to victory. In a post-resurrection interview, Jesus restores Peter with a fresh commission. If you have failed in your spiritual experience (and who hasn't), these principles will inspire.

Connect with Skip Heitzig Podcast
I Dare You: Decide! Part 1 - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 24, 2025 26:00


Who will the world follow in the last days? Pastor Skip reveals what the Bible says about the Antichrist—and why knowing the truth matters before deception comes.

Connect with Skip Heitzig Podcast
I Dare You: Defend! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 22, 2025 26:00


Can you really trust the Bible? Pastor Skip explains how fulfilled prophecy proves Scripture's accuracy and why that should give you confidence in God's promises.

Catalyst Pharmacy Podcast
Inside the Fight for Pharmacy Immunization Rights with Marc Ost | Catalyst Pharmacy Podcast Episode 145

Catalyst Pharmacy Podcast

Play Episode Listen Later Oct 22, 2025 56:34


Pharmacists have been vaccinating for years—it's about time they get the recognition (and reimbursement) they deserve. Marc Ost, Co-Owner of Eric's RX Shoppe in Horsham, PA, is here to make it happen. Marc joins us to talk about how he's driving change in vaccine access and reimbursement, from advocating with the FTC and state legislators to pioneering at-home immunization billing codes. He also shares what's new this year in vaccine administration, how pharmacies can adapt to new Part B service codes, and why telling your story to lawmakers still matters. 

Connect with Skip Heitzig Podcast
I Dare You: Be Steadfast! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 20, 2025 26:00


How can you face danger without fear? Pastor Skip shares Daniel's perspective from the lions' den and why trust in God turns every outcome into deliverance.

Tomboy Official
Day 17 of 75 HARD (part b, and some driving rambling)

Tomboy Official

Play Episode Listen Later Oct 20, 2025 31:06


Day 17 of 75 HARD (part b, and some driving rambling). Part a is still on my laptop from the earlier part of the morning.

The Cash-Based Practice Podcast
CBP 286: Lesser-Known Rules on Medicare and Cash Pay PT

The Cash-Based Practice Podcast

Play Episode Listen Later Oct 18, 2025 6:51


If you treat (or plan to treat) Medicare beneficiaries in a Cash-Based model, this week's short but crucial podcast episode is for you. There's a lot of confusion about  about the topic as a whole, and even more confusion when it comes to allowing or not allowing self-claims in the scenarios of:  “Medicare as a secondary”  Medicare as primary, but having a private insurance as a secondary”  and “Medicare Advantage plans”  In this episode, I walk through real-world scenarios and answer the questions I get most often inside the Mastermind about how to safely handle self-claims and cash-pay situations in the above scenarios, as well as when a beneficiary has Medicare Part A only (not Part B). What You're Getting Today: The key Medicare scenarios every cash-based PT should understand When self-claims are allowed (and when they absolutely aren't) A free Medicare and Cash-Pay PT Quick Start Guide to help you avoid costly compliance mistakes For all the details on this topic, make sure to download the free Quick Start Guide HERE. USEFUL INFORMATION: Check out our course: Cash-Based Practice Mastermind

Connect with Skip Heitzig Podcast
I Dare You: Be Faithful! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 16, 2025 26:00


How does your life hold up under scrutiny? Pastor Skip challenges you to live with such integrity that no accusation can stick. 

Every Man Ministries
EXODUS | Parted Seas & Song of the Rescued Part B with Kenny Luck – Audio Only

Every Man Ministries

Play Episode Listen Later Oct 16, 2025


Most of us have seen a good “cliff-hanger” movie. The formula is predictable: the clock is ticking, imminent danger is coming, there are limited or no options, a dramatic intervention, and then a mix of relief and celebration wash over you with a good catharsis. The unspoken conclusion? THAT was a close one! History is […]

Focal Point Radio Broadcasts
The Son of God-Part B

Focal Point Radio Broadcasts

Play Episode Listen Later Oct 16, 2025


Every parent understands the fierce instinct to protect their child at any cost. Pastor Mike Fabarez uses that universal experience to unlock the staggering reality of the cross. Through a powerful personal illustration, he reveals why we must never treat God's ultimate sacrifice as ordinary Sunday school theology.

Connect with Skip Heitzig Podcast
I Dare You: Wake Up! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 14, 2025 26:00


Why does ignoring what you already know about God lead to trouble? Pastor Skip explains why disregarding truth brings consequences and how to walk in the light you've been given.

Focal Point Radio Broadcasts

Think angels are just cute, chubby cherubs floating around heaven? Pastor Mike Fabarez shatters our Sunday school stereotypes about God's heavenly messengers. We'll uncover the shocking truth about angelic authority, power, and wisdom that puts our earthly accomplishments to shame.

Connect with Skip Heitzig Podcast
Gone Fishing! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 12, 2025 24:00


I am not a great fisherman. I don't do it often and when I catch something, it's pure luck! My dad was the opposite—he loved it and was great at it. At least seven of Jesus' disciples were fishermen and here we see them plying their trade after the resurrection. Some beautiful lessons can be discovered about how to live while we wait for Jesus to come back for us.

Connect with Skip Heitzig Podcast
I Dare You: Be Humble! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 10, 2025 26:00


Why does pride always lead to a fall? Pastor Skip unpacks the spiritual law that God opposes the proud and how to avoid its consequences.

Medicare For The Lazy Man Podcast
Ep. 864 - Any idea what group of people is getting screwed by Medicare Advantage now?

Medicare For The Lazy Man Podcast

Play Episode Listen Later Oct 10, 2025 36:30


Medicare Advantage Minute:                                                                                                                                        The Latest Trend Changing Medicare! Your Medicare Benefits 2025:                                                                                                                                        Principal Illness Navigation Services Selections from the Q & A folder:                                                                                                  Is it mandatory to sign up for Medicare?                   If Medicare covers cataract surgery, why are there bills?                   Enrolled in Part B too soon? Your Medicare fix is easier than you think! BEHABBEN!   Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Connect with Skip Heitzig Podcast
I Dare You: Submit! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 8, 2025 26:00


Is anything you do ever truly in secret? Pastor Skip reveals why God sees it all and how living with that awareness can change the way you walk with Him.

The Howie Games
251: Nicole Livingstone (Part B)

The Howie Games

Play Episode Listen Later Oct 8, 2025 41:24


Focal Point Radio Broadcasts
The Ultimate Son-Part B

Focal Point Radio Broadcasts

Play Episode Listen Later Oct 7, 2025


Do you ever approach Jesus like he's just your buddy? Pastor Mike Fabarez challenges our casual attitudes toward Christ by revealing his role as the ultimate King of the universe. Exploring Hebrews chapter 1, we'll understand why Jesus owns everything, sustains everything, and deserves our deepest reverence.

Connect with Skip Heitzig Podcast
I Dare You: Stand Up! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 6, 2025 26:00


How can your faith speak louder than your words? Pastor Skip shares why trusting God through trials can make a powerful impact on believers and skeptics alike.

Connect with Skip Heitzig Podcast
I Dare You: Speak Out! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Oct 2, 2025 26:00


Why should you never be afraid to tell people the truth? Pastor Skip shows you how God's straight truth is mightier than the enemy's lies—and how it can change lives.

Every Man Ministries
EXODUS | Plauges & Passovers Part B with Kenny Luck – Audio Only

Every Man Ministries

Play Episode Listen Later Oct 2, 2025


Every person ever created knows there’s more than just this life and desires that MORE! You see it in every culture across the globe. What you also see is that instead of relating to, following, worshipping, and giving our lives to the one true original Creator, we settle for forgeries and fakes – gods that […]

The Matt Feret Show
Medicare Advantage vs. Medigap, Star Ratings, and Prior Authorization Explained with Bob O'Connor | The Matt Feret Show Podcast | #090

The Matt Feret Show

Play Episode Listen Later Oct 2, 2025 68:46


Choosing the right Medicare plan isn't easy. In this episode of The Matt Feret Show, Matt talks with Bob O'Connor, a Medicare veteran who led one of the largest Medicare Advantage markets in the country. They unpack the difference between Medigap vs. Medicare Advantage, how star ratings actually affect benefits, and why prior authorization may soon appear in Original Medicare Part A and Part B.With millions of people facing coverage changes in 2026, this episode helps you avoid common mistakes and make smarter Medicare choices this fall.The Matt Feret Show is Back with Bob O'Connor [2:03]Understanding Medicare Plans – What Consumers Don't See [3:42]Bob O'Connor's Helpful Tips for the Annual Enrollment Period [12:39]Common Mistakes When Choosing Medicare Plans [12:40]Bob O'Connor's Best Advice for Choosing a Medicare Plan [1:03:56]Connect with me via the podcast website, LinkedIn, Facebook, and Instagram.Check out Bob O'Connor LinkedInThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

Fix SLP
Telehealth Coverage Expired: SLP Rules for Medicare Claims

Fix SLP

Play Episode Listen Later Oct 2, 2025 30:21


Telehealth coverage for SLPs under Medicare expired on October 1, 2025. In this episode, Dr. Jeanette Benigas, SLP, and Katie Brown, SLP, explain what this means for the provision of Telehealth services for traditional Medicare Part B beneficiaries, the nuances for Part A beneficiaries, and the allowance of private pay. They also unpack the government shutdown's impact on claims processing, what remains unchanged for Medicaid and Medicare Advantage plans, and why employers shouldn't issue blanket telehealth bans without checking payer rules. Get clear, practical guidance plus the free Telehealth Toolkit to support your patients and advocate for continued access.Find all of the advocacy tools you need here to participate in the telehealth call to action, or check out Katie's SLPs Blueprint to Medicare Success and get $100 off with the code FixSLP.If you missed it, catch Katie and Jeanette's earlier conversation on Medicare telehealth in Episode 96. It sets the stage for what's happening now.Stop paying to track ASHA-approved CEUs. Save your money and set up for a FREE CEU/PDH tracker with Speech Therapy PD. While you are there, get $10 off a professional subscription with the code FixSLP10!

Baltimore Washington Financial Advisors Podcasts
EP118: 10 Key Medicare Changes to Know in 2026 – 10.2.25

Baltimore Washington Financial Advisors Podcasts

Play Episode Listen Later Oct 2, 2025 6:53


10 KEY MEDICARE CHANGES TO KNOW IN 2026 FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS  Senior Financial Planner Medicare is changing in 2026, and the updates will impact premiums, drug costs, and benefits. In this episode, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, breaks down the 10 most important changes retirees and families need to know to stay prepared. Full Description Medicare plays a central role in retirement planning, but the program is constantly evolving. Beginning in 2026, significant changes are scheduled that will affect millions of Americans. Some updates may help retirees save money, while others could increase costs or reduce benefits. In this episode of Healthy, Wealthy & Wise, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner, explains the 10 biggest Medicare changes coming in 2026 and what they mean for you. Among the most notable: Part B premiums are projected to increase by more than 11%, making healthcare more expensive for many retirees. On the other hand, prescription drug costs are expected to drop as new pricing rules take effect, and out-of-pocket caps will help limit spending. Thad also highlights program adjustments that may surprise beneficiaries. Medicare Advantage plans could scale back supplemental benefits, while Original Medicare is introducing new pre-authorization requirements in pilot states. These changes underscore the need for proactive planning to ensure coverage continues to align with your healthcare and financial goals. Listeners will gain practical strategies to navigate these shifts. Thad explains how to budget for rising premiums, how to take advantage of reduced drug prices, and why reviewing coverage annually is more important than ever. By understanding these changes in advance, retirees can avoid unpleasant surprises and adapt their plans to maintain stability. At BWFA, we integrate healthcare costs into every financial plan, helping clients prepare for Medicare updates and the long-term expenses of retirement. This episode offers clear guidance on what's ahead in 2026 and how to protect your financial future. For more resources, visit BWFA's Financial Planning Services.

Cycling in Alignment with Colby Pearce
Chris Balser: Your Cranks are Most Likely Too Long - Part B - Ep178

Cycling in Alignment with Colby Pearce

Play Episode Listen Later Oct 1, 2025 58:24


Chris Balser: Your Cranks are Most Likely Too Long - Part B - Ep178 In the continuation of my discussion on crank length with Chris Balser, we talk about factors that may drive a fitter to recommend shorter cranks, pros and cons of shorter cranks, and of course wander off into related topics.  I am sure anyone who is considering crank length as a possible limiting factor in their cycling will benefit from this conversation.  Disclaimer: I made an attempt to keep the language less anatomical as this can be challenging for some listeners but it gets a bit technical here and there.  Chris's Website ►► bicyclefitguru.com Matt Appleman Cranks ►► https://www.applemanbicycles.com/shop/2xr-crankset/

Focal Point Radio Broadcasts

Righteous anger can either build or destroy. Pastor Mike Fabarez continues examining what Scripture teaches about godly indignation, revealing how to transform frustration with evil into constructive action that actually creates positive change. Instead of letting anger consume us, we can harness it as fuel for meaningful solutions.

Rav Akiva Zweig's Podcast
Yom Kippur - Parshas Ha'azinu (Wed. & Fri.) Teshuva and Connection: A 3 Part Series - PART B: "To Yearn for Connection"

Rav Akiva Zweig's Podcast

Play Episode Listen Later Oct 1, 2025 6:50


Yom Kippur - Parshas Ha'azinu  (2025 - תשפ״ה)  In place of the live Wednesday and Friday classes, and in preparation for Yom Kippur, Rav Akiva presents a three-part pre-recorded series — accessible, concise, and easy to share. Above is part B.  1- Profound Repentance Simply Done  2- To Yearn for Connection  3- To Be A REAL Jew    Month of Tishrei is sponsored by the Chicheportiche family. May our Torah learning be a merit for them for Health, Safety, Parnassah, and the strength to do Chessed like our forefather Avraham.  May their merits bring all of K'lal Yisrael the same blessings and the inspiration to a true and complete repentance!! This week's video clips are dedicated in honor of Henry and Lisa Manoucheri in recognition of their tireless and tremendous activism for the benefit of all K'lal Yisrael. This week's video clips are anonymously sponsored with the goal of bringing the light of Torah to the world and for the merit of a Refu'ah Sh'leima for Michoel Shopsa ben Aviva.

Cross Reference Radio
To the LORD (Part B)

Cross Reference Radio

Play Episode Listen Later Oct 1, 2025 25:53


Connect with Skip Heitzig Podcast
I Dare You: Step Up! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 30, 2025 26:00


How do you stand strong when fear holds you back? Listen as Pastor Skip shares the secret to bold faith—and how bowing before God empowers you to face anything.

Connect with Skip Heitzig Podcast

The apostle Thomas has been noted for his skeptical attitude. In fact, we refer to a skeptic as a "doubting Thomas." In this message from John 20, we consider four ways Thomas was able to rise up from doubt and become a joyful follower of Jesus.

Connect with Skip Heitzig Podcast
I Dare You: Be Distinct! - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 26, 2025 26:00


Who are you when no one's watching? Listen as Skip challenges you to live with integrity—because God sees it all, and character counts.

Cross Reference Radio
Consequences Not Coincidences (Part B)

Cross Reference Radio

Play Episode Listen Later Sep 26, 2025 25:53


Connect with Skip Heitzig Podcast
Saving a Soul from Death - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 24, 2025 26:00


Is it worth it to reach out to someone drifting from God? Listen to Skip's teaching as discover how one act of compassion can save a soul—and cover a multitude of sins.

The Howie Games
250: Dwayne Russell (Part B)

The Howie Games

Play Episode Listen Later Sep 24, 2025 52:42


Passionate. Creative. A star player, a special storyteller, and a master of his craft. Now a first-time author with his new book Killing for Sport, Dwayne sits down with Howie to share his remarkable journey. From his family history and the story behind his name change, to his childhood in Adelaide where his love for football first sparked, Dwayne takes us through the highs, the struggles, and the defining moments of his career. He opens up about the big step to pull on the Geelong Cats jumper and his love for the club - even when he was cut, sharing a locker room with the great Gary Ablett Snr, and the transition into his second act as one of Australia’s most respected and passionate commentators. This is Dwayne at his finest – thoughtful, passionate, and a natural storyteller whose energy is unmatched. And don’t miss his new book Killing for Sport, available for pre-order now via all major book retailers in print and eBook, ahead of its release on October 14. Pre-order link here Thanks Pipe. *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames See omnystudio.com/listener for privacy information.

Cross Reference Radio
Rest and Reset (Part B)

Cross Reference Radio

Play Episode Listen Later Sep 23, 2025 25:53


Connect with Skip Heitzig Podcast
The Most Powerful Weapon - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 22, 2025 26:00


Does God really use ordinary people to do extraordinary things? Listen as Nate Heitzig shows how God looks past your flaws—and uses you when you're fully surrendered.

Focal Point Radio Broadcasts
Our Strong God-Part B

Focal Point Radio Broadcasts

Play Episode Listen Later Sep 22, 2025


When enemies surround you and the odds seem impossible, where do you turn? Pastor Mike Fabarez unpacks Psalm 76 and the miraculous story of 185,000 enemy soldiers defeated in a single night. Through this ancient victory, we'll understand why God's people can trust in his power and passionate interest in protecting us.

bonnersferrybaptist
Sunday Evening - I Have Sinned Greatly (Part B)

bonnersferrybaptist

Play Episode Listen Later Sep 22, 2025 32:59


We look at another failure of David in this message. All he did was number the people, but he says that he sinned greatly. Why is that?

David's Christian Centre
Old School Sunday (Part B) | Mainland

David's Christian Centre

Play Episode Listen Later Sep 21, 2025 61:50


David's Christian Centre
Old School Sunday (Part B) | Island

David's Christian Centre

Play Episode Listen Later Sep 21, 2025 67:52


Dr Mary Travelbest Guide
Toronto Canada Part 2 of 2

Dr Mary Travelbest Guide

Play Episode Listen Later Sep 19, 2025 11:33


This episode is about Toronto, Canada. See Book A for addressing this challenge. Find it on the website​​ at 5StepsToSoloTravel.com or on Amazon. It's a several-part series. Toronto is another example of Step 3 travel, advanced solo travel. Other step 3 destinations in my Part B book include Banff, Whistler, and Vancouver.   Destination Deep‑Dive Today's special destination is:  Toronto, Canada, part two of two   You may arrive at Pearson airport, like I did, which was a lovely airport ranked high among international airports. I had the opportunity to experience the Priority Pass lounge both upon arrival and departure. If you have access, you'll likely enjoy it, even though the lounge was under construction. The city has a diverse mix of people from all around the world, along with a variety of flavors that come with it. Keep your eyes peeled and your nose smelling these scents.   Before I arrived, I booked my tour to Niagara Falls. Here are a few facts about Niagara Falls and why you might find it of interest I registered in my hostel, got all of my bedding, food, and bag storage set up, and then took a nap since I had been up since about 5 AM. Afterward, I went down to the CN Tower, where there was almost no line late in the afternoon.     Smart Move and Slip-up pairings    So here I was in Toronto, and believe it or not, I lost my phone for the second time. Here's what happened. I went for a swim at the local community pool and changed back into my street clothes. I left the phone in the changing room at the pool. About 30 minutes after getting home, I realized I had left it there. So I went back and got it, but there was a little bit of panic in my life, so this was the end of my trip of 90 days, and I wasn't really as concerned as I would've been at the beginning of the journey, but it was concerning that I let my defenses down. I slipped up twice within a few days. Don't do what I did; keep your focus on the things that are most important to you. For me, that was my phone and my passport. Where are you going? Let me know if I helped you travel.  Connect with Dr Travelbest www.5stepstosolotravel.com  Drmarytravelbest.com Dr. Mary Travelbest Twitter Dr. Mary Travelbest Facebook Page Dr. Mary Travelbest Facebook Group Dr. Mary Travelbest Instagram email: info@drmarytravelbest.com Dr. Mary Travelbest Podcast Dr. Travelbest on TikTok Dr.Travelbest onYouTube    

Connect with Skip Heitzig Podcast
Prayer: It's Not Just for Sundays - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 18, 2025 26:00


Why is prayer so easily interrupted? Listen to Skip's teaching to discover why spiritual distractions flare up when you intercede—and how that proves prayer is powerful.

Teller From Jerusalem
TFJ Season 5 Episode 13 Summer Inserts culled from “Comprehending the Incomprehensible” Lecture Series by Hanoch Teller  Lecture V Part B

Teller From Jerusalem

Play Episode Listen Later Sep 17, 2025 26:04


Stories of Heroism During the Holocaust Learn more at TellerFromJerusalem.com Don't forget to subscribe, like and share! Let all your friends know that that they too can have a new favorite podcast. © 2025 Media Education Trust llc  

Connect with Skip Heitzig Podcast
Negative Commands for a Positive Life - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 16, 2025 26:00


What can we learn from Job about enduring pain? Skip helps you discover how God honors those who persevere through trials—even when they don't understand the “why.”

Retire With Ryan
Avoid These Seven Medicare Enrollment Mistakes and Protect Your Finances, #271

Retire With Ryan

Play Episode Listen Later Sep 16, 2025 28:11


Are you turning 65 soon or starting to think seriously about healthcare in retirement? This week, I discuss the complicated world of Medicare—with a focus on the seven most costly mistakes people make when enrolling.  From missing crucial deadlines and underestimating penalties, to overlooking the true costs Medicare doesn't cover and getting tripped up by income-related surcharges, I give practical advice to help you avoid expensive pitfalls and make confident choices for your health and your wallet. Whether you're working past 65, exploring Medicare Advantage and Medigap, or just want to sidestep penalties, this episode unpacks the essentials so you can enter retirement feeling prepared and protected. Let's get into the key rules, deadlines, and decisions every retiring listener needs to know! You will want to hear this episode if you are interested in... [04:17] Medicare enrollment guidelines & penalties. [09:35] Understanding Medicare coverage gaps. [11:55] Medicare enrollment and switching plans. [17:15] Medicare premiums based on income. [19:50] Avoid high medicare costs. [23:16] How you can use HSA funds. [24:56] Medicare costs and supplemental plans. 7 Medicare Mistakes that Could Cost You Making the transition to Medicare at 65 is a big step for retirees. While the program does have plenty of benefits, it also comes with a few key complexities and deadlines that can trip up the unprepared.  1. Not Enrolling on Time Despite common belief, Medicare enrollment isn't always automatic when you turn 65. You're only auto-enrolled if you've begun collecting Social Security at least four months before your 65th birthday. Otherwise, you must actively sign up to avoid lifelong late enrollment penalties—10% annually for Medicare Part B and 1% per month for Part D, the prescription drug plan. Remember, if you're not covered by qualifying employer insurance (typically from a company with 20 or more employees), you must enroll during your Initial Enrollment Period (IEP), which starts three months before and ends three months after your 65th birthday month. 2. Misunderstanding Late Enrollment Penalties Enrollment deadlines carry not just inconvenience, but long-term financial consequences. For every year you delay Part B, a 10% penalty is added to your premium—for life. For Part D, missing timely enrollment adds a 1% penalty per month delayed. Even if you don't currently take prescription drugs, failing to enroll in Part D or lacking “creditable” drug coverage will trigger this penalty. Many people only find out about these charges after it's too late, so mark your calendar and stay ahead of these key windows. 3. Not Comparing Original Medicare and Medicare Advantage Original Medicare doesn't cover everything, leaving you responsible for 20% of costs and lacking extras like dental or vision. Medicare Advantage, on the other hand, often bundles additional services and may come with lower or even zero premiums, thanks to how the government pays private insurers. However, these plans have different provider networks and coverage rules, so compare carefully based on your health needs, preferred providers, and annual costs.  4. Waiting to Enroll in a Medigap Policy Failing to evaluate supplemental Medigap coverage during your initial eligibility window could lead to denial or much higher premiums later, especially if you develop health conditions. During the first six months after enrolling in Part B, you're guaranteed acceptance into any Medigap plan regardless of health. Afterward, insurers can impose restrictions or deny coverage. States like Connecticut, New York, and Massachusetts offer more flexibility, but most don't—making early action essential. 5. Ignoring IRMAA: Higher Premiums for Higher Incomes Many retirees are surprised by IRMAA—the Income-Related Monthly Adjustment Amount—which increases Part B and D premiums if your income exceeds certain thresholds. These adjustments are based on your tax returns from two years prior. Even a minor one-time income bump (like a large IRA withdrawal) could propel you into a higher bracket, doubling your premiums. Be proactive: monitor your adjusted gross income and consider strategies like Roth conversions, careful withdrawal timing, or appealing based on life-changing events like retirement.  6. Making HSA Contributions After Enrolling in Medicare Once you sign up for Medicare Part A or B, both you and your employer must stop making contributions to a Health Savings Account (HSA) six months before enrollment. Over-contributing subjects you to a 6% excise tax for every year the excess remains. However, you can continue to use existing HSA funds for eligible medical expenses tax-free throughout retirement. 7. Underestimating Out-of-Pocket Costs Even with Medicare, you'll face deductibles, co-pays, and services not covered (like long-term care, dental, and vision). Part A hospital stays have significant deductibles per benefit period, and Part B leaves you covering 20% of outpatient expenses. Medicare Advantage and Medigap plans can help limit these expenses, but each comes with specific limits, provider restrictions, and rules. Without a supplemental plan, your maximum out-of-pocket exposure could reach $9,350 (in-network) or higher, depending on your plan. 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

Focal Point Radio Broadcasts
Drawing Near to God-Part B

Focal Point Radio Broadcasts

Play Episode Listen Later Sep 16, 2025


Where do you go when you need to meet with God? Pastor Mike Fabarez reveals how Jesus revolutionized worship, moving us from specific locations to spiritual connection, showing how God's truth becomes our compass for intimate fellowship.

Connect with Skip Heitzig Podcast
From Closed Doors to the Open Road - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 14, 2025 24:00


Our relationship with Jesus isn't a secret to be hoarded; it is a story to be heralded! The disciples were seated behind closed doors (sounds like a lot of churches). Jesus wanted them out, giving away what they had been given. Let's see how these early followers went from panic to peace, from perplexity to purpose, and from protection to power. It's a great journey. Are you up for it?

Connect with Skip Heitzig Podcast
Last Days Living - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 12, 2025 26:00


How can you stay strong when the wait feels endless? Join us as Skip shares why patience, readiness, and strength are essential as we await Christ's return.

Connect with Skip Heitzig Podcast
A Fool and His Money - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 10, 2025 26:00


Pastor Skip asks you to consider how your attitude can ruin your blessings. Discover why how you handle what you have matters more than how much you make.

Connect with Skip Heitzig Podcast
Who's in Control? - Part B

Connect with Skip Heitzig Podcast

Play Episode Listen Later Sep 8, 2025 26:00


Who's really in charge of your life? Join us as Nate Heitzig challenges you to surrender control—and discover that God's plans for you are better than your own.