Podcasts about part b

Pastor Skip shows why outward religious activity can never replace inward transformation—and how Christ changes you from the inside out.

Nationally syndicated financial columnist and author Terry Savage joins Bob Sirott to talk about what you need to look over if you’re on Medicare, when the Part B premium will increase, and why drug coverage changes every year. She also discusses the Medicare plan company that will be cutting its Advantage plans and who will […]

Pastor Skip explains why the One who holds the universe together is more than able to hold your life together—even when everything feels uncertain.

Study of 2nd Samuel

So what's the deal with baptism? Why do Christians practice it? What does it have to do with my relationship to God? Peter raised the issue of baptism in this letter, but he tied it into what happened during the time of Noah and the great flood. What on earth could one have to do with the other? Let's unravel these verses and then relate them to our current understanding of Christian baptism. Does this really save a person?

Pastor Skip explains why faith, hope, and love aren't just Christian ideals—they're the evidence that you are a healthy, growing believer.

Study of 2nd Samuel

Salt and Light Sermon Series Part #6A sermon series based on the gospel of Matthew. In this series, Pastor Steve dissects each chapter of Matthew and breaks down God's instructions to his people so that they can effectively be the salt and light in today's world.

Pastor Skip explains why persistent prayer changes more than your circumstances—it keeps your heart from giving up.

Study of 2nd Samuel

Pastor Skip explains what the judgment seat of Christ really is—and why every act of faithfulness matters more than you may realize.

A low fee on your TSP is real — but it only pays for the investment account. It doesn't coordinate your FERS pension, Social Security timing, the FEHB/Medicare Part B decision, your survivor benefit election, or your taxes. Charles and Marcus walk through what a cheap plan quietly costs federal employees, why retirement flips the job from accumulation to distribution, and what to ask before hiring or switching advisors. Chapters: 0:00 Cheap Fees vs. the Whole Picture 0:30 Welcome + This Week's Question 1:51 Why Federal Employees Are Right to Care About Fees 2:52 Accumulation vs. Distribution: Why Retirement Changes Everything 6:06 The Trade-Offs That Don't Show Up on a Fee Schedule 8:51 Why Federal Retirement Isn't Just a 401(k) 11:11 Part B, Survivor Benefits & the Choices Nobody Assigns You 12:54 The Scissors and the All-Clad: What Quality Actually Buys 17:04 What to Ask Before You Hire (or Switch) an Advisor 19:34 When Is Cheap Actually Enough? 22:19 Watch Next CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice. Figures discussed are illustrative — verify with the IRS, SSA, and OPM. Support the show

1047. Host Laura Adams cuts through the confusion and explains the basics of Medicare for anyone approaching 65 or helping a relative compare options. You'll learn how parts of Medicare work, which expenses Medicare doesn't cover, how to fill insurance gaps, avoid lifetime penalties, and the truth about costly Medicare myths.Key Takeaways:Medicare Part A covers hospital and inpatient care (premium-free for most), while Part B covers doctor visits and outpatient services for a monthly premium ($202.90 in 2026).Medicare Advantage (Part C) is an all-in-one alternative that bundles Parts A, B, and usually D into a single plan with network restrictions and out-of-pocket caps, often adding basic dental and vision coverage.Original Medicare doesn't cover long-term care such as assisted living or nursing home stays, or routine dental, vision, and hearing care.Medigap protects against out-of-pocket costs, such as deductibles and 20% coinsurance left behind by Original Medicare, but it cannot be combined with Medicare Advantage.Missing your Initial Enrollment Period triggers lifetime penalties unless you have active, creditable employer health coverage. Enrollment isn't automatic unless you already receive Social Security benefits when you turn 65. Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Pastor Skip reveals three signs that you are a growing disciple—and why genuine faith always becomes visible through a transformed life.

Medicare may be one of the most important—and confusing—financial decisions you make in retirement. Between enrollment deadlines, late penalties, Medicare Advantage, Medigap, prescription coverage, and income-based premiums, there are plenty of decisions to navigate. And because some choices can have long-term financial consequences, understanding the basics before you enroll is an important part of wise stewardship. Eddie Holland, Senior Private Wealth Advisor and Partner at Blue Trust, as well as a CFP®, CPA, and Certified Kingdom Advisor®, recently joined Faith & Finance to help simplify Medicare and explain some of the most important planning considerations. Understanding Medicare Parts A, B, C, and D A good place to begin is with Medicare's different parts. Medicare Part A primarily covers hospital-related care, including inpatient hospital stays, skilled nursing care, and hospice. For people who have accumulated the required work credits through either their own employment or their spouse's, Part A generally does not require a monthly premium. Medicare Part B covers many medical services outside the hospital, including doctor visits, lab work, and outpatient procedures. Unlike Part A, Part B generally carries a monthly premium, and higher-income retirees may pay more. Medicare Part D covers prescription drugs. Those enrolled in Original Medicare—Parts A and B—can generally purchase a separate Part D prescription drug plan. Medicare Part C, better known as Medicare Advantage, is offered through private insurance companies. These plans combine Parts A and B and often include Part D prescription coverage as well. Some plans may also offer additional benefits such as dental or vision coverage. Another option for those using Original Medicare is a Medicare supplement plan, commonly called Medigap. These private plans are designed to help cover some of the deductibles, copayments, and other expenses that Original Medicare does not pay. Pay Close Attention to Enrollment Timing Timing matters when enrolling in Medicare. Your Initial Enrollment Period generally lasts seven months: the three months before the month you turn 65, your birthday month, and the three months afterward. But turning 65 does not always mean you have to immediately leave employer-sponsored health coverage. If you or your spouse are still working and you have qualifying employer coverage, you may have access to a Special Enrollment Period, allowing you to delay certain portions of Medicare without facing a late enrollment penalty. Holland notes that employer size and the nature of the coverage can affect how Medicare coordinates with the employer plan. That makes it important to speak with your employer's benefits or human resources department before making assumptions about which coverage should come first. Employer Size Can Make a Difference If your employer has 20 or more employees, the employer health plan may generally remain the primary payer while you continue working, potentially allowing you to postpone Part B and its monthly premium. With an employer of fewer than 20 employees, Medicare may become the primary payer once you are eligible. In that situation, failing to enroll in Parts A and B could potentially leave gaps in coverage. You should also verify whether your employer's prescription drug coverage is considered creditable coverage for Medicare purposes. That can be especially important if you plan to delay Part D beyond age 65. The larger lesson is simple: Medicare decisions should rarely be made in isolation. Your employer coverage, retirement date, spouse's coverage, prescription needs, and other factors all need to be considered together. What Is IRMAA? For higher-income retirees, another important acronym to know is IRMAA, or the Income-Related Monthly Adjustment Amount. IRMAA is an additional charge added to Medicare Part B and Part D premiums when modified adjusted gross income exceeds certain thresholds. For 2026, Holland notes that IRMAA begins above $109,000 in modified adjusted gross income for single filers and $218,000 for married couples filing jointly. Medicare generally bases the surcharge on the most recent tax information available, which often means looking back two years. So, for example, 2026 Medicare premiums may be based on income reported on a 2024 tax return. That two-year lookback can surprise people whose financial situation has recently changed. If your income has fallen because of certain qualifying life-changing events, such as retirement, marriage, or widowhood, you may be able to request a reconsideration of the surcharge using Social Security Form SSA-44. Roth Conversions Can Affect Medicare Premiums IRMAA can also become an important consideration when planning Roth conversions. Suppose you retire before age 65 and decide to convert a significant amount of traditional IRA money to a Roth IRA. The conversion increases your taxable income for that year. Because Medicare looks back at previous tax returns when determining IRMAA, a large Roth conversion in the years immediately preceding Medicare enrollment could lead to higher Part B and Part D premiums later. That doesn't necessarily mean you shouldn't complete the conversion. It simply means you should include the potential Medicare impact in the calculation. Tax planning, retirement planning, and Medicare planning are often interconnected. A decision that makes sense in one area can create consequences in another. Be Careful With HSA Contributions Health Savings Accounts require special attention as you approach Medicare eligibility. Once you are enrolled in Medicare, you can no longer contribute to an HSA. If you enroll around age 65, you need to coordinate the end of your HSA contributions with the beginning of your Medicare coverage. The issue becomes even more important for those who enroll after age 65 because Medicare Part A coverage can sometimes be applied retroactively, potentially affecting HSA eligibility for previous months. Holland recommends understanding the retroactive period before enrolling so you don't inadvertently make excess HSA contributions. Social Security can complicate matters further. If you begin receiving Social Security benefits, you may automatically be enrolled in Medicare Part A. Anyone who is still contributing to an HSA should account for that before applying for Social Security. The good news is that money already accumulated in an HSA remains tax-advantaged and can still be used for many qualified medical expenses in retirement, including certain Medicare premiums. Holland notes, however, that HSA funds cannot be used tax-free to pay Medigap premiums. What If One Spouse Reaches Medicare Age First? Married couples can face another challenge when one spouse becomes eligible for Medicare while the other is still several years away. If the older spouse continues working, the employer plan may continue covering both spouses. Some companies also provide retiree benefits that extend coverage to a younger spouse after the older spouse retires. If employer coverage isn't available, COBRA may provide temporary coverage, although it can be expensive. Another possibility is purchasing insurance through the federal or state health insurance marketplace, where the younger spouse may qualify for premium subsidies depending on household circumstances. Whatever option you choose, don't overlook the cost. If one spouse retires several years before the other reaches Medicare eligibility, higher healthcare premiums may need to become a deliberate part of the retirement budget. Make Medicare Part of Your Larger Retirement Plan Medicare isn't simply a healthcare decision. It can affect your taxes, retirement income, Social Security strategy, HSA contributions, and monthly spending. That's why careful planning before age 65 can be so valuable. Understand what each part of Medicare covers. Know your enrollment windows. Talk with your employer before leaving workplace coverage. Consider the impact of your income on Medicare premiums. And coordinate decisions involving HSAs, Roth conversions, Social Security, and your spouse's health coverage. Medicare may be complicated, but you don't have to approach it blindly. Taking the time to understand your options can help you avoid costly mistakes, choose coverage that fits your circumstances, and steward the resources God has entrusted to you with greater wisdom and confidence. On Today's Program, Rob Answers Listener Questions: I have a mortgage and a car loan and am considering consolidating them into one payment. Is that a good idea, and what type of loan would make sense? I received a letter saying my student loans were placed in permanent disability status, but I never applied for that. How can I verify whether it's legitimate and correct the situation if needed? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Blue Trust Christian Healthcare Ministries (CHM) | Healthcare.gov AnnualCreditReport.com FaithFi Field Guide: How Much Money is Enough? Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As part of The Howie Games Millionaires Club, celebrating 10 years of the podcast and more than 126 million downloads, Ange takes us inside the biggest highs and hardest moments of his extraordinary coaching journey in the EPL. He opens up about helping deliver Tottenham Hotspur their first trophy in 17 years, overcoming the relentless “Spursy” tag, carrying the weight of a club and its supporters, and winning under pressure. Then comes the brutal other side of football: being sacked by Nottingham Forest after just 39 days. Ange takes Howie inside it all. Ange reveals the attraction of a potential opportunity to coach Cristiano Ronaldo, and why becoming even a small part of the story of sporting giants is something that still drives him. Ange Postecoglou, for the third time, and the stories just keep getting bigger, and he reckons the next 10 years could be his best yet. The Howie Games Millionaires Club. 10 years of The Howie Games. *** 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.

Study of 1st Samuel

Long-term care coverage is an essential, yet often misunderstood, aspect of retirement planning in the United States. Although many people will require some form of long-term care as they age, most are unprepared for the high costs and limited coverage options available. On the show this week, I'm debunking common myths like the notion that Medicare will fully cover all long-term care costs and taking a deep dive into the four main ways retirees can pay for these expenses.    You will want to hear this episode if you are interested in... 00:00 Understanding the options for long-term care help 03:10 The difference between Medicare and Medicaid 05:07 Spouse asset protection options 09:15 Understanding hybrid policy benefits 13:24 Hybrid vs. traditional long-term care 19:25 Long-term care insurance application process   Understanding Medicare's Limitations There is often a misconception that Medicare covers long-term care. In reality, it's split into two primary parts: Part A, which covers some costs for hospital stays, and Part B, which addresses preventative care such as doctor visits and certain procedures. While Medicare may pay for medically necessary hospital stays—such as those following an injury like a broken hip—it stops covering the costs when ongoing care is no longer deemed medically necessary. Extended or custodial care, where you need help with daily living activities but do not require intensive medical treatment, is not included under standard Medicare coverage. This leaves retirees exposed to significant out-of-pocket expenses once hospital-based care ends.   The Four Main Options for Long-Term Care Coverage There are four primary payment strategies for long-term care. Each option has its benefits and limitations, and selecting the right one depends heavily on individual circumstances.   1. Medicaid Medicaid is a needs-based program designed for individuals with low income and limited assets. To qualify, applicants must pass specific income and asset thresholds, which, for single individuals, often means owning less than $2,000 in assets. Married couples have more leeway—the "community spouse" can usually retain a higher amount of assets and income. Medicaid planning may involve establishing a qualified income trust or transferring assets into an irrevocable trust. It is important to note that most states enforce a five-year look-back period for asset transfers, meaning that gifts or transfers must occur at least five years before the Medicaid application to be effective.   2. Self-Insuring Self-insuring is also an option, which involves setting aside personal assets, such as retirement savings or home equity, to pay for potential care needs. This method offers autonomy but carries risk, especially given the high and regionally variable costs of care. Depending on where you live, full-time nursing care can average over $15,000 per month, and home care or assisted living can still cost tens of thousands of dollars per year. Planning ahead is critical, particularly for couples, to ensure one spouse's care does not financially imperil the other.   3. Hybrid Long-Term Care Policies Hybrid long-term care insurance policies have emerged that combine life insurance with long-term care coverage. These products provide either long-term care benefits or a death benefit to your estate, ensuring that money paid into the policy is not "lost" if long-term care is never needed. Hybrid policies tend to offer flexible payout options and the potential for locked-in premiums, but they may provide less coverage per premium dollar when compared to traditional policies.   4. Traditional Long-Term Care Insurance Traditional long-term care insurance remains an option for those prioritizing higher benefit payouts. While these policies can stretch benefit pools further, they don't usually offer death benefits, and their premiums are not guaranteed—they can increase over time and may eventually become unaffordable. Underwriting is also stringent: many applicants over 70 are denied coverage, and certain medical conditions result in automatic disqualification. Making the Right Choice for You and Your Family You need to balance protecting personal assets, securing a spouse's future, and managing premium costs. Retirees should honestly assess their health, financial circumstances, and family situation. Consulting a financial advisor or insurance professional can help tailor a long-term care strategy that minimizes risk while supporting a comfortable and dignified retirement. Planning now, rather than later, ensures you are prepared for whatever the future may bring—and that you and your loved ones have peace of mind.   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  

We’ve all experienced the powerful lure of temptation in our lives. But how do we develop a strategy to succeed and overcome? Pastor Mike Fabarez looks to Hebrews 12 for guidance in Our Fight with Sin. Don’t miss an important study about growing stronger every day!

Steve DeWitt Samson: Army of One - Part B Judges 15 Set-Free, A study in the Book of Judges Donate to Support The Journey

Pastor Skip challenges you to turn up the volume on your gratitude as he shares the story of a woman whose lifelong faithfulness made her one of the first witnesses to Jesus. Discover why Pastor Skip says growing old is inevitable, but growing up is optional.

In Part 4B (the 2nd half of Part 4) of the Varela Contemplative Science Retreat, astrophysicist Adam Frank, PhD., turns to what comes after: a “new physics of life” built on autonomous agency and the Buddhist concept of śūnyatā — not emptiness as void, but the total absence of independent, self-existing things. As he puts it: “You don't really have a boundary… this set of processes organizes… Source

In every war, strategy plays a role. Each side plans and makes movements in accordance to what it learns about the other side's tactics. If information is leaked, a counteroffensive can be launched. This can be seen in the grand and most profound war of the universe: The Invisible War. In this battle, Satan and his minions wage war against God, His angels, and His people. We'll consider it by looking again at one of the most enigmatic texts in the New Testament. Let's unravel it.

We're back with Part B of Tidbit 19, where Bart walks us through the architecture of his Linkifier module. He starts with the three data modeling classes that he's been using for decades, but explains how hard it is today to extract article headlines. He walks through how he developed an extraction logic but had to do it per domain. That sounds crazy but he uses surprisingly few sites for his articles for Security Bits and Let's Talk Apple. You can find Bart's fabulous tutorial shownotes and the audio podcast at pbs.bartificer.net.

Pastor Kingsley Okonkwo

Steve DeWitt Samson: The Weakest Man in the Bible - Part B Judges 13 & 14 Set-Free, A study in the Book of Judges Donate to Support The Journey

Study of 1st Samuel

Pastor Skip explores why Esther believed it was better to die for a conviction than to live with a compromise—and asks, “What convictions are shaping your life?”

When it comes to God’s discipline in our lives, it’s hard to see his intervention in a positive light. But Pastor Mike Fabarez explains how we can actually be thankful for God’s correction, as he describes the benefits of being God’s children.

Steve DeWitt Jephthah - Part B Judges 10 & 11 Set-Free, A study in the Book of Judges Donate to Support The Journey

Pastor Skip challenges the idea that serving God should leave you stressed and burned out. Discover why those serving the Lord should be the happiest people on earth, and how you can cultivate that joy in your own heart.

Your TSP has some of the lowest fees in the country — but a low-fee investment account is not the same thing as a written retirement income plan. In this short video, Charles explains what a real federal retirement plan actually coordinates, and what it costs you every year you wait.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why low TSP fees don't add up to a retirement plan- What a real plan coordinates: FEHB, Medicare Part B, survivor benefits, and Social Security timing- How tax-deferred savings turn into RMDs — and who picks the number if you don't- The Medicare Part B cycle that quietly raises your costs as your income rises- The two things every written retirement income plan should start withWhat worries you more — paying higher fees, or not having a plan at all? Drop it below

Study of 1st Samuel

Steve DeWitt Gideon and the Glory of God - Part B Judges 7:1-25 Set-Free, A study in the Book of Judges Donate to Support The Journey

Steve DeWitt Gideon and the Glory of God - Part B Judges 7:1-25 Set-Free, A study in the Book of Judges Donate to Support The Journey

Pastor Skip explains why conflict isn't a sign that your relationship is broken—it's a normal part of every relationship. Discover why even the best marriages require conflict resolution.

Study of 1st Samuel

The world has a subtle way of conforming us to its ways, gradually pushing us along in the tides of compromise. If we’re not paying attention, we’ll drift somewhere we never intended to be! Pastor Mike Fabarez continues a lesson on Reconsidering How Hard We’re Willing to Fight.

Steve DeWitt The Reluctant Judge, Gideon - Part B Judges 6:1-40 Set-Free, A study in the Book of Judges Donate to Support The Journey

Pastor Skip shares a prediction that applies to every person listening: You're either in a trial, coming out of one, or headed into one. Find out why God is far more interested in your character than your comfort.

He has lived just about every life Australian football can offer. Prodigious young talent, champion player, premiership captain, Brisbane coach and, most recently, senior coach of Carlton. Vossy joins Howie for a fascinating and deeply personal conversation about the journey that shaped one of the game's greatest leaders. And behind the success are the people, challenges, lessons and moments that helped make him the footballer and leader he became. Plus, his take on the Blues rise up the ladder for a Wildcard berth since his departure earlier this year. This is Michael Voss beyond the headlines! His football, his leadership, his life and the journey that made him one of the game's greats. *** 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.

Send us Fan MailWhat is CMS really signaling through the 2027 Hospice Wage Index and Final Rule—and what should hospice leaders be doing now?In Part One, host Chris Comeaux is joined by hospice regulatory experts Annette Kiser and Judi Lund Person to unpack the 2027 Hospice Wage Index and Final Rule and look beyond reimbursement to what CMS may be signaling about the future of hospice regulation, compliance, payment, and oversight.They explore the Hospice Election Statement Addendum, the Service and Spending Variation Index (SSVI), non-hospice Medicare spending, Part B claims, telehealth reporting, and why leaders should be examining their data through a quality and compliance lens.In this episode:What the 2027 Hospice Final Rule reveals about CMS prioritiesPreparing for the October 1, 2026 Election Statement AddendumUnderstanding SSVI and non-hospice spendingWhy CMS is increasing scrutiny of unrelated servicesTelehealth, G-code reporting, and eligibilityUsing SSVI and PEPPER data to identify trends and opportunitiesCMS reported that Medicare Part A and B non-hospice spending increased 160% from 2020 to 2024, exceeding $2 billion in 2024, with hospice patients responsible for approximately $510 million in cost sharing—a major reason this issue is receiving increased attention. fileciteturn0file0L130-L148The Final Rule tells you what CMS is doing. The details may tell you what CMS is preparing to do next.▶️ Listen to Part One, share it with your hospice leadership team, and subscribe so you don't miss Part Two.Guests:Annette Kiser — Chief Compliance Officer, Teleios Collaborative NetworkJudi Lund Person — Principal, Lund Person & AssociatesHost:Chris Comeaux — President/CEO of Teleios and author of The Anatomy of LeadershipThe Anatomy of Leadership podcast explores the art and science of leadership through candid, insightful conversations with thought leaders, innovators, and change-makers from a variety of industries. Hosted by Chris Comeaux, each episode dives into the mindsets, habits, and strategies that empower leaders to thrive in complex, fast-changing environments. With topics ranging from organizational culture and emotional intelligence to navigating disruption and inspiring teams, the show blends real-world stories with practical takeaways. The goal is simple yet ambitious: to equip leaders at every level with the tools, perspectives, and inspiration they need to lead with vision, empathy, and impact.https://www.teleioscn.org/anatomy-of-leadership

What is CMS really signaling through the 2027 Hospice Wage Index and Final Rule—and what should hospice leaders be doing now?In Part One, host Chris Comeaux is joined by hospice regulatory experts Annette Kiser and Judi Lund Person to unpack the 2027 Hospice Wage Index and Final Rule and look beyond reimbursement to what CMS may be signaling about the future of hospice regulation, compliance, payment, and oversight.They explore the Hospice Election Statement Addendum, the Service and Spending Variation Index (SSVI), non-hospice Medicare spending, Part B claims, telehealth reporting, and why leaders should be examining their data through a quality and compliance lens.In this episode:What the 2027 Hospice Final Rule reveals about CMS prioritiesPreparing for the October 1, 2026 Election Statement AddendumUnderstanding SSVI and non-hospice spendingWhy CMS is increasing scrutiny of unrelated servicesTelehealth, G-code reporting, and eligibilityUsing SSVI and PEPPER data to identify trends and opportunitiesCMS reported that Medicare Part A and B non-hospice spending increased 160% from 2020 to 2024, exceeding $2 billion in 2024, with hospice patients responsible for approximately $510 million in cost sharing—a major reason this issue is receiving increased attention. fileciteturn0file0L130-L148The Final Rule tells you what CMS is doing. The details may tell you what CMS is preparing to do next.▶️ Listen to Part One, share it with your hospice leadership team, and subscribe so you don't miss Part Two.Guests:Annette Kiser — Chief Compliance Officer, Teleios Collaborative NetworkJudi Lund Person — Principal, Lund Person & AssociatesHost:Chris Comeaux — President/CEO of Teleios and author of The Anatomy of LeadershipTeleios Collaborative Network   /   https://www.teleioscn.org/tcntalkspodcast

Their clients pay nothing. Cold calling is illegal in their industry. And they still built a thriving practice. Mike Semyck left Wall Street to found Semyck Financial Services with his daughter-in-law Julie Semyck, and their growth strategy challenges what founders think they know about revenue and client acquisition.Mike and Julie built recurring revenue by helping seniors navigate Medicare. Founders will learn why trust-based growth beats traditional sales, how to get referrals without ever asking, and what happens when your business model forces you to win through relationships.Key takeaways:00:00:00 Introduction00:01:55Q: How do most people start navigating Medicare for the first time?A: Most people have no idea how to begin, says Mike Semyck. They watch outdated YouTube videos instead of consulting a certified advisor.00:08:34Q: How do you grow a business when cold calling is illegal in your industry?A: Julie Semyck grew through senior centers, community events, and consistent local presence.00:12:49Q: What sales mistake causes clients to buy nothing?A: Mike Semyck's 40-year rule: you sell too much, you sell nothing. Narrow options to the best fit instead of overwhelming clients with every available plan.00:28:33Q: How do you get referrals without ever asking for them?A: Mike Semyck has never asked for a referral in over 40 years. He gives every client two business cards and lets the work speak for itself.00:34:07Q: Is Medicare free when you turn 65?A: Mike Semyck explains Medicare is not free. Part B has a monthly premium based on income, and there are coverage gaps requiring supplemental plans.00:37:02Q: What Medicare deadline creates a penalty you pay for the rest of your life?A: Skipping Part D enrollment at 65 creates a permanent monthly penalty, explains Julie Semyck. One client pays $55 extra every month.00:52:06Q: Will Social Security still exist for millennials and Gen Z?A: Mike Semyck believes it will always exist. Congress will likely raise the income cap or claiming age to keep the system funded.Subscribe and share this with a founder who wants to build a business on trust, not cold calls.

Steve DeWitt She Led, He Fought, and God Won the Victory - Part B Judges 4:1-23 Set-Free, A study in the Book of Judges Donate to Support The Journey

From glaring sins to little white lies, we’re confronted daily with temptation. But how do we go about conquering these desires? Pastor Mike Fabarez takes a careful look at Hebrews chapter twelve and describes powerful weapons we can use in Our Fight with Sin.

Perhaps the most common word in our language is the tiny word, "Ouch!" Every day, it's repeatedly expressed in variant forms around the world. It's a word that conveys pain and suffering. Peter's audience knew all about suffering, but they didn't always know how it could actually be used for anything good. Christ's own sufferings provide the best example of both the power and usefulness of suffering.

Pastor Skip shares a surprising cure for anxiety. Discover why, when it comes to your worry, the contrast is the solution.

Pastor Skip explains why legalism minimizes what Jesus has done for you—and why the gospel is truly good news for anyone who's tired of trying to earn God's approval.

Pastor Skip introduces the one person the apostle Paul said was truly like-minded with him—and reveals what made Timothy's faith and character so exceptional.