Podcasts about part d

This Day in Legal History: Medicare and Medicaid Signed into BeingOn July 30, 1965, President Lyndon B. Johnson signed the Social Security Amendments of 1965 into law, creating the Medicare and Medicaid programs. The signing took place at the Truman Library in Independence, Missouri, with former President Harry S. Truman—an early advocate for national health insurance—present and symbolically receiving the first Medicare card. Medicare was designed to provide hospital and medical insurance to Americans aged 65 and older, regardless of income or medical history. Medicaid, created alongside Medicare, offered healthcare assistance to low-income individuals and families.At the time, nearly half of Americans over 65 had no health insurance. The passage of Medicare was a landmark achievement of Johnson's Great Society initiative and built on decades of political struggle over healthcare reform. The legislation amended Title XVIII of the Social Security Act and was strongly opposed by many in the medical establishment and conservative politicians who labeled it as “socialized medicine.” Nevertheless, the program gained rapid popularity and provided immediate relief to millions.Administered by the federal government, Medicare initially had two parts: Part A, covering hospital insurance, and Part B, covering outpatient and physician services. It has since evolved to include prescription drug coverage (Part D) and options for private plans (Medicare Advantage). The law reshaped the American healthcare landscape and established the principle that access to healthcare for seniors was a federal responsibility.The U.S. Senate confirmed Emil Bove, a former lawyer for Donald Trump and senior Justice Department official, to a lifetime seat on the 3rd U.S. Circuit Court of Appeals in a narrow 50-49 vote. Bove faced unified Democratic opposition and criticism from over 900 former DOJ employees, who claimed he undermined the department's integrity. His nomination prompted a Democratic walkout during the Senate Judiciary Committee's vote and drew sharp condemnation from Senate Majority Leader Chuck Schumer.Despite controversy, Republicans praised Bove's background as a federal terrorism prosecutor and his legal work defending Trump in several criminal cases. His confirmation shifts the appellate court's balance back in favor of Republican appointees. Critics cited Bove's alleged directives that defied judicial authority and political interference in a corruption case against New York Mayor Eric Adams. Bove denied wrongdoing in both instances. His confirmation is part of Trump's renewed effort in his second term to reshape the judiciary, following over 230 appointments in his first term. Trump has also nominated another close adviser, Jennifer Mascott, to the same court.Trump lawyer Bove confirmed to US appeals court, overcoming Democratic opposition | ReutersBove Confirmed to Appeals Court After Whistleblowers Emerge (1)A White House crypto task force established by President Trump is set to release a highly anticipated report outlining the administration's policy goals for the digital asset sector. The report, expected Wednesday, will address tokenization, market structure legislation, and a regulatory framework for blockchain-based financial products. Created by executive order shortly after Trump took office in January, the group is led by Bo Hines and includes top officials such as Treasury Secretary Scott Bessent and SEC Chair Paul Atkins.The document is expected to support expanded use of tokenization, which converts traditional assets like stocks and real estate into blockchain-based tokens. The report may call on the SEC to create a framework enabling firms like Coinbase to offer tokenized securities, though specific language remains under wraps. It will also outline the White House's preferences for crypto legislation currently advancing in Congress, including follow-up to the recently passed stablecoin law.Trump has made pro-crypto policies a centerpiece of his administration, reversing many of the enforcement actions taken under President Biden, such as lawsuits against Coinbase and Binance. While the industry sees the report as a roadmap for mainstream integration, concerns remain about conflicts of interest, particularly given Trump's financial ties to crypto ventures and meme coins. The administration has denied any ethical violations.White House set to unveil closely watched crypto policy report | ReutersThe Trump administration has formally requested the release of grand jury transcripts related to Jeffrey Epstein and Ghislaine Maxwell, citing public interest and mounting pressure over the government's handling of the sex trafficking cases. Prosecutors filed late-night motions with U.S. District Judges Richard Berman and Paul Engelmayer, arguing that the sealed testimony should now be disclosed, though the judges had previously asked for stronger legal justification. Grand jury records are typically secret, with limited exceptions for disclosure.Trump said he directed Attorney General Pam Bondi to seek the unsealing after the Justice Department reaffirmed its conclusion that Epstein died by suicide and that there was no list of elite clients—a stance that frustrated some Trump supporters who suspect a cover-up. Epstein died in 2019 before his trial; Maxwell, convicted in 2021, is serving a 20-year sentence and has appealed to the Supreme Court to overturn her conviction.In a related effort, a Florida judge recently denied a separate request to release grand jury records from earlier state investigations into Epstein, ruling they did not meet legal exceptions. Even if the federal judges allow the current transcripts to be unsealed, the documents may not reveal new information, since much of the testimony was covered during Maxwell's trial. The transcripts also wouldn't encompass the full scope of investigative material held by the government.Deputy Attorney General Todd Blanche, a former Trump lawyer, recently met with Maxwell for two days, reportedly seeking any names or evidence she could provide about others potentially involved. Neither Blanche nor Maxwell's attorney has commented in detail on those meetings.Trump administration asks judges to release Epstein, Maxwell grand jury transcripts | ReutersA Massachusetts jury has ordered Johnson & Johnson to pay over $42 million to Paul Lovell, who developed mesothelioma after decades of using the company's talc products. Lovell and his wife sued in 2021, claiming the talc contained asbestos that he unknowingly inhaled, and accused J&J of failing to warn consumers despite knowing the risks. The jury awarded damages for pain, suffering, and medical costs.J&J denied any wrongdoing, calling the verdict “junk science” and saying its products are asbestos-free and safe, with plans to appeal the decision. The company ended U.S. sales of talc-based baby powder in 2020. This case adds to a string of multi-million-dollar verdicts against J&J in talc-related mesothelioma lawsuits, although some have been overturned on appeal.J&J is facing over 63,000 active lawsuits, and possibly up to 100,000 claims in total, most alleging ovarian cancer from talc use. The company's attempts to resolve the claims through bankruptcy have failed in court three times, including a $10 billion settlement proposal rejected in March. The Lovell case is part of ongoing litigation that continues to test J&J's legal strategy and product safety claims.Johnson & Johnson ordered to pay $42M after jury finds talc caused man's cancer | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Get access now to 7 Figure Medicare University: Lifetime access:https://sevenfigureu.com/On this episode of the Seven Figures or Bust podcast, we dive into the latest CMS Part-D update and what it means for agents and clients alike. We break down the key changes, how they'll impact your business, and what you need to do to stay ahead. Don't miss this critical industry update!Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

In the "Medicare Advantage Minute" we learn that many Medicare Advantage insurance companies have stopped paying sales commissions to agents that sell some of their Medicare Advantage and Part D prescription drug plans. Later in the episode we receive the same interesting news from Blue Shield of California. How does a company expect to sell products through insurance brokers without paying sales commissions? In the "Your Medicare Benefits 2025" segment we learn how Medicare is likely to handle claims for Mental Health Care (Partial Hospitalization). Finally, client Larry reported that Globe Life of NY was planning to increase the monthly premium of the HDG plan he and his wife have been enrolled in. What he may not have realized is that it was the first rate increase in four years...unheard of for any but the much-maligned HDG supplement plans! 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" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

In this episode of The Broker Link, Josh Slattery dives into the 2026 Final Rule and its impact on the health insurance landscape. While this year's changes are more modest compared to previous updates, several important developments were discussed: GLP-1 Coverage & Debit Card Rules: Proposed changes to expand GLP-1 drug coverage for obesity and revise flex debit card use were not included in the final rule. SSA Qualification Process: The process for Medicare Special Enrollment Periods is now more complex, requiring verification from past claims or providers. Part D Risk Adjustment: Updates were made to help stabilize the Part D market amid growing cost pressures. Medicaid Impacts: The “Big Beautiful Bill” introduced major changes, including work requirements and stricter eligibility limits for Medicaid beneficiaries. Medicare Advantage Update: Penetration rates have reached 53%, but 6% of enrollees faced plan terminations this year. Josh also shares insights on the current regulatory climate, market volatility, and what agents should watch for as policy changes continue to evolve. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Bonsoir à toutes et à tous, Ce n'est pas sans une pointe d'émotion que je vous annonce mon départ de…

Exploring Heather Schreiber's 5 costly Social Security traps and exploring options of how to handle them. I've seen it time and again throughout my career: the intricacies of navigating Social Security can trip up just about anyone. So when I saw the headline “5 Sneaky Social Security Traps” in Heather Schreiber's newsletter, I knew right away this was going to be something that deserved a closer look on the podcast. Let's dive into these 5 Social Security traps–and these aren't just random quirks—that can lead to unexpected gaps in income, tax surprises, or permanent reductions in your benefits.  1. The Entire Month Rule You might think that turning 62 means you're automatically eligible for Social Security that month. Not quite. Social Security has a quirky rule: you have to be 62 for the entire month to receive benefits for that month. If your birthday is on June 15, you don't qualify for June's benefit. Instead, your eligibility starts in July, and your first payment doesn't arrive until August. What's even weirder is that the SSA counts your birthday as the day before you were born. So if you're born on June 2, you're considered 62 starting June 1 and therefore eligible for June benefits (which are paid in July). If you're planning on your Social Security check arriving the month you turn 62, you could be left waiting an extra month or two—potentially throwing off your cash flow. 2. Rest in Peace, Now Return to Sender Just like you must be alive the entire month to earn that month's benefit, if someone passes away mid-month, they don't qualify for that month's Social Security payment—even if it's already been deposited. This can be a shock to surviving spouses or family members when the SSA takes that money back. If a loved one passes away on June 14, and the June payment was already deposited in early July, that money must be returned. It wasn't “earned” under SSA rules. So whether you're filing for your own benefit or helping a family member, remember: Social Security is earned month-by-month—and only if you're alive for the full month. 3. Lump Sum FOMO: When Free Money Isn't Always Free When you file for Social Security after your full retirement age, you have the option to take up to six months' worth of benefits retroactively. That sounds great—who doesn't like a lump sum? But here's the catch: taking that lump sum means your official filing date is backdated. So if you file at age 68.5 and take six months retroactive payments, SSA treats you as if you filed at 68—reducing your benefit by 4%. That “free” $18,000–$20,000 could cost you thousands more over the course of your retirement. Sometimes it's worth it, but many people take the lump sum without realizing the long-term cost. 4. Under-Withholding Today May Lead to Regret Tomorrow Here's a situation I see far too often: retirees who start taking Social Security, forget to set up federal tax withholding, and then get a surprise bill come tax season. Unlike pensions or employer paychecks, Social Security doesn't automatically withhold taxes unless you fill out a separate form (Form W-4V). If you don't do this and your Social Security income is taxable, you could owe hundreds—or thousands—at tax time. Take the time to set up appropriate withholding levels. SSA allows you to choose from 7%, 10%, 12%, or 22%.  5. Medicare IRMAA and the Two-Year Lookback When you hit age 65 and enroll in Medicare, your premiums for Part B (and possibly Part D) can go up significantly if your income from two years ago was high. This IRMAA (Income-Related Monthly Adjustment Amount) surcharge can sneak up on you—especially if you had a one-time event like a Roth conversion, large capital gain, or business sale. If you had a significant drop in income due to retirement, job loss, or other life event, you can appeal your IRMAA using a life-changing event form (SSA-44). I've helped dozens of clients successfully reduce th...

We hold our in-person Sunday worship services at 10:45 AM (Pacific time) and are recording them each week for folks who can't join us in person. This is the Audio-only version recorded for Sunday, July 6, 2025. It is also available in Video format through our YouTube channel. Click on the "Notes Icon" (the little image of a notepad) to get the sermon study notes for this week. ORDER OF SERVICE: We will open our Sunday service by singing together (on-screen lyrics in the video worship service). Then, Part D of the message “Unity, Diversity and Maturity” will be preached by Pastor Dave Marksbury from Ephesians 4:1-16. This week's sermon is message #13D in our new series, “The Supreme Task of the Church.” After this message, sing with our worship team and join us in prayer. The weekly announcements are followed by the "One Year Bible Reading" update and the offering. We will conclude the service by singing together.

Invités :  - Georges Fenech, ancien juge d'instruction - Jean-Claude Dassier, chroniqueur politique Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode, host Duane Schulthess sits down with Ipsita Smolinski, Founder and Managing Director of Capitol Street and faculty at Georgetown University and Johns Hopkins Carey Business School. They unpack the Inflation Reduction Act’s drug-pricing mechanisms, assess economic projections against emerging industry data, and discuss how changing R&D incentives, trade policy complexities, and regulatory uncertainty are reshaping the biopharmaceutical landscape. Key Topics: Data-Driven Strategy: A look at how economic modeling and real-world data underpin policy recommendations for biopharma legislation and health policy. IRA Drug-Pricing Mechanisms: Exploration of CPI-U–based inflationary rebates, the Part D overhaul with a $2,000 out-of-pocket cap, and the phased rollout of Medicare negotiations in 2026. Forecasts Versus Impact: Examination of the CBO’s initial estimate of two drugs every ten years compared to later indications of a far greater effect on individual companies. R&D Incentive Shifts: Analysis of the nine-year exclusivity for small molecules versus thirteen years for biologics and its influence on venture capital flows. Trade, Tariffs, and Regulation: Discussion of EPIC Act prospects, most favored nation pricing proposals, tariff implementation challenges, China’s expanding trial footprint, and the call for clearer FDA and NIH guidance. This episode illuminates how the IRA, economic forecasts, and global policy dynamics are influencing drug pricing, innovation incentives, and supply chains. It’s essential listening for policymakers, industry leaders, investors, and anyone invested in the future of healthcare economics and biopharma strategy.See omnystudio.com/listener for privacy information.

A comprehensive discussion on Medicare, led by Steve Gurney from Positive Aging Community, with insights from panelists Michelle Thomas and Don Oellerich, Ph.D. The session covers essential information for retirees about Medicare, including eligibility, enrollment periods, costs, and the interaction between Medicare and job-based or retiree coverage. The panelists explain the four parts of Medicare: Part A (hospital insurance), Part B (medical insurance), Part D (prescription drug plans), and Part C (Medicare Advantage plans). They highlight the importance of understanding Medicare's coverage limitations, such as the lack of long-term care and routine dental or vision care, and discuss options like Medigap policies to supplement coverage. The session also addresses enrollment strategies, penalties for late enrollment, and the nuances of Medicare Advantage plans. The panelists encourage attendees to utilize resources like the Medicare Plan Finder and local State Health Insurance Assistance Programs (SHIP) for personalized counseling. The discussion concludes with a Q&A session, addressing specific concerns about federal retiree benefits, TRICARE, and in-home care services under Medicare.Don Oellerich, Ph.D. Medicare Counselor, Arlington County's State Health Insurance Assistance Program Michelle Thomas, MPA Program Coordinator, Arlington Virginia Insurance Counseling and Assistance ProgramSlidedeck External-Transportation-FAQ.pdfFlyer Arlington VICAP Medicare FEHB Fact Sheet - June 2025.pdfView recording at https://www.retirementlivingsourcebook.com/videos/what-we-should-all-know-about-medicare

Keep track of your AEP prep to-do checklist with help from Ritter's certification center and Ritter Blog weekly roundups. Listen to find out how to access carrier AHIP, NABIP, MA and PDP certification, product training details, and more!   Read the text version   Resources: eBooks & Guides for Insurance Agents: https://ritterim.com/guides/ FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/ Ritter Insurance Marketing Certification Center: https://docs.ritterim.com/products/certification/ What Is AHIP Certification and How Do I Get It? https://lnk.to/asg672   References: “Medicare Advantage Certification.” NABIP.Org, NABIP, www.nabiptraining.org/nabip/medicare. Accessed 30 May 2025. “Medicare + Fraud, Waste, and Abuse Training.” Ahip.Org, AHIP, www.ahip.org/courses/medicare-fraud-waste-and-abuse-training. Accessed 30 May 2025. “Miramar:Agent.” Miramar-Agent.Com, Miramar, miramar-agent.com/KnowledgeBase/Article?kb=5. Accessed 30 May 2025. “Medicare Certification System.” Pinpointglobal.Com, Pinpoint Global, www.pinpointglobal.com/medicare-certification-system. Accessed 30 May 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.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/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Les footballeurs parlent aux footballeurs ! « Rothen s'enflamme », le rendez-vous des passionnés du ballon rond revient pour une deuxième saison !

My client had the best Medicare insurance available at a very small cost, but decided to drop Part B and her Medicare supplement for over a year while waiting for Social Security enrollment. Bad move! She has been diagnosed with atrial fibrillation. She now must wait until next year to re-enroll in Part B and she may never qualify to get her great supplement again. We started this episode by detailing some of the employee layoffs that at least 18 insurance companies must endure due to uncontrolled expenses. This apparently includes 30,000 to be terminated from United Health Group, the largest health insurance company of them all. In the "Your Medicare Benefits 2025" segment, we learn how Medicare covers Kidney Disease Education for those suffering from those afflictions. Finally I give a short history of the origins and a couple of the quirks of Part D prescription drug plans.      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!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Web: www.JonesHealthLaw.comPhone: (305)877-5054Instagram: @JonesHealthLawFacebook: @JonesHealthLawYouTube: @JonesHealthLawThe Centers for Medicare & Medicaid Services (CMS) established the Preclusion List under its authority to administer Medicare Advantage (MA) and Part D programs. The list features healthcare providers and prescribers who are precluded from receiving payment for items or services furnished to Medicare beneficiaries enrolled in MA plans or for prescriptions covered under Part D.The U.S. Department of Health and Human Services, Office of Inspector General (OIG) maintains the List of Excluded Individuals and Entities (LEIE) under the authority of the Social Security Act §§ 1128 and 1156. Exclusions are imposed on individuals or entities found to have engaged in certain misconduct, such as fraud or patient abuse.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important and often confusing world of Medicare Part D with Medicare expert Shawn Southard. With the implementation of the Inflation Reduction Act Medicare provisions in 2025, significant updates have changed the way Medicare drug coverage works, especially for those nearing or already in retirement. Whether you're currently working and covered by an employer plan or about to transition to Medicare, this episode breaks down exactly what you need to know to avoid unnecessary costs and lifelong penalties.Listen in to learn about how Medicare Part D changes affect your coverage decisions, how employer coverage and Medicare interact, and why understanding creditable drug coverage is now more crucial than ever. Shawn also discusses HSA and Medicare rules, key timelines for enrollment, and strategies to avoid the dreaded Medicare late enrollment penalty. This is a must-listen for anyone planning to retire comfortably while staying informed and protected when it comes to their Medicare Part D options.In this episode, find out:· What exactly Medicare Part D covers and how it works.· How the Inflation Reduction Act Medicare provisions lower out-of-pocket drug costs.· What "creditable" drug coverage means and how to know if your employer plan qualifies.· When and how to enroll in Part D to avoid Medicare penalties.· How HSA and Medicare rules impact your decision to delay enrollment.Tweetable Quotes:“With Medicare Part D changes, what used to be a no-brainer may now require a complete reevaluation.” – Murs Tariq“Missing a 63-day window could mean a lifetime of penalties—knowing your coverage status is critical.” – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

We started out with the Medicare Advantage Minute during which we learned that the "Final Rule" for MA and Part D drug plans for 2026 has been published. Learn 14 (or fewer) exciting things about what the future holds for those plans. In the "Your Medicare Benefits 2025" segment we learn exactly how Medicare would cover Kidney Disease Education. This is an awkward way of saying that Medicare will pay to educate people about the ravages of Kidney Disease. Did you know that Massachusetts is one of only three states that is allowed to design their own Medicare supplement plans? Well, they did a really bad job of it and they don't seem to care at all. Finally, when it comes to GLP-1 drugs fight diabetes and also happen to promote weight loss, they may not be as wonderful as hoped. Six out of 10 patients stop taking these drugs before seeing meaningful results and many health insurance companies have stopped covering them.   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!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

The Medicare Advantage Minute segment once again illustrates the fact that very few appeals were filed by MA victims of prior authorization refusals. However, the majority of those appeals resulted in reversals of the denials! In "Your Medicare Benefits 2025" we learn how Medicare covers insulin, including the newly created $35 monthly out-of-pocket limit! Moments before recording time a plea for assistance arrived from a victim of the barrage of MA plan brutality that happens to everyone who turns age 65. After hearing a radio interview he decided to emerge from hiding and take a chance on Medicare for the Lazy Man. Finally, How can one appeal a Part D lifetime late enrollment penalty? Just listen to find out! 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!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Did your Medicare premium suddenly skyrocket? If you think you are paying more than you should, listen up, you may have recourse. But you need to act quickly.Welcome to The Retirement Fix, a podcast for less stress and more success in your go-go retirement years. I'm John Gigliello, a CERTIFIED FINANCIAL PLANNER™ with the Albany Financial Group and I'm here to be your guide to keeping more of your hard-earned money by making smart financial decisions in retirement. This podcast is for people nearing or already in retirement who want to learn more about proactive tax planning, retirement income planning, social security timing, investment management and asset preservation.  After a life-altering health issue at age 39, my calling in life became clear: To share my knowledge of personal finance with people who are looking to make smart and responsible choices with their money. If you still have questions after listening to this episode, please visit my website at www.jgigliello.com, where you'll find all of my contact information as well as details of the services I offer. Now onto the subject of this episode - Today I'm going to talk about the IRMAA surcharge that catches many retirees by surprise, and what to do if you believe you are paying more than your share.IRMAA, which stands for Income-Related Monthly Adjustment Amount, is an extra monthly charge added to your Medicare Part B and Part D premiums if, essentially, you make too much money in retirement. The Social Security Administration determines your IRMAA based on the Modified Adjusted Gross Income reported on your tax return two years prior. So 2025 premiums are based on your 2023 returns.Medicare Part B covers doctor's visits and outpatient services and currently costs $185.00 monthly. Part D covers prescription drugs, the premium for which varies based on the plan you choose, but averages around $46.50 per month.In 2025, individuals who made more than $106,000 in 2023 and married couples filing jointly who earned more than $212,000, will owe IRMAA.The surcharges can be quite steep. And individual who earned between $106,000 and $133,000 or a couple who earned between $212,000 and $266,000, will owe an additional $74 per month for Part B and $13.70 for part D, and that's the lowest bracket. 

Au cœur de la nuit, les auditeurs se livrent en toute liberté aux oreilles attentives et bienveillantes de Roland Perez. Pas de jugements ni de tabous, une conversation franche, mais aussi des réponses aux questions que les auditeurs se posent. Un moment d'échange et de partage propice à la confidence pour repartir le cœur plus léger.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Bible Study and Commentary on Matthew 27:50-54Miracle at the Crucifixion and Resurrection of Jesus Christ - Some Graves Open and Bodies are Resurrected

Dans son émission média, Thomas Isle et sa bande reçoivent chaque jour un invité. Aujourd'hui, Philippe Bailly de NPA Conseil au sujet du départ d'Anne-Sophie Lapix du JT de France 2 et du projet de réforme de l'audiovisuel public. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

The name of the biopharma game this season is vaccines—and RFK Jr. wasted no time returning from Memorial Day Weekend before making news on this front, removing the COVID-19 vaccine from the list of recommended immunizations for healthy kids and pregnant women on Tuesday. This follows a rash of recent moves, including a new risk-based strategy for the approval of new COVID vaccines focused on adults over 65 and high-risk individuals six months to 64 years of age and a request that Moderna and partners Pfizer and BioNTech update the myocarditis risk on their vaccines' labels.This increased vaccine scrutiny by the FDA and Department of Health and Human Services is having a significant impact on biopharma companies, several of whom have received stop-work orders on next-gen COVID vaccines. Meanwhile, Moderna last week pulled the biological license application for its combination COVID-19/flu vaccine, anticipating a request for additional data on flu shot efficacy from the FDA, as mRNA technology continues to be scrutinized after playing the hero during the pandemic. Also last week, the White House released its Make America Healthy Again (MAHA) report, which took aim at vaccines, along with pharma lobbying and GLP-1s.Also on the policy front, a California judge issued an order Thursday that indefinitely stops HHS' goal of reducing its divisions from 28 to 15 and firing upwards of 10,000 employees, among other reorganization and mass layoff plans. And speaking of government plays that could receive judicial pushback, we received a couple of new updates on the Most Favored Nation (MFN) front: first, President Donald Trump appointed his CMS chief Mehmet Oz as the leader of drug pricing negotiations, calling him “one tough hombre,” and second, HHS provided new guidance for streamlining the process for states to import drugs from Canada.In the obesity realm, Eli Lilly is calling out the Centers for Medicare and Medicaid Services. In an open letter last week, Lilly voiced its displeasure with the agency for a final ruling that left its Zepbound and Novo Nordisk's Wegovy out of Medicare Advantage and Part D coverage in 2026.And in the R&D realm, we returned from the long weekend to sad news from Rocket Pharmaceuticals, as the company reported that its pivotal Danon disease trial is on hold after the death of a young patient. The death—extremely sad on a human level—is also a setback for the gene therapy space, which had been buoyed earlier this month by the success of a personalized CRISPR treatment received by baby KJ.Finally, BioSpace looks ahead to ASCO#25 where Dan Samorodnitsky will be on the ground in Chicago.

Join us at the Seven Figure Medicare Agent Summit: https://sevenfiguremedicareagentsummit.com/On this episode of the Seven Figures or Bust podcast, we address the growing trend of non-commissionable Medicare plans and what it means for agents. With major carriers like Aetna, Cigna, and Elevance Health shifting certain Medicare Advantage and Part D plans to non-commissionable status for 2025, agents face new challenges in maintaining their income streams . We delve into strategies for navigating these changes, including diversifying your product offerings and ensuring compliance with CMS guidelines when discussing non-commissionable plansGets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

Du lundi au vendredi, Julien Pichené fait le point sur l'actualité des médias. Aujourd'hui, Léa Salamé est revenue sur la polémique concernant les propos tenus par Thierry Ardisson, Mimi Marchand jugée à partir d'aujourd'hui, elle est soupçonnée notamment d'avoir fait chanter Karine Le Marchand, la rumeur de remplacement d'Anne-Sophie Lapix qui présente le JT de 20H sur France 2 depuis 2017, des changements en vue pour BFM TV, la saison 2 de "Cat's Eyes" et Florent Manaudou a décroché un rôle dans la série "A priori". Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this standout episode, three healthcare leaders unpack how they're transforming regulatory pressure into real-world impact. Melissa Skelton Duke (Banner Health), Dina Homer (HealthTeam Advantage), and Bita Farrokhroo (MedWatchers) share practical strategies for driving medication adherence, optimizing Part D performance, and bridging digital and cultural gaps to better serve diverse member populations. Learn how Banner is reframing adherence through member empathy, how HealthTeam Advantage aligns every employee to Stars performance, and how MedWatchers is consolidating fragmented workflows for a 29% lift in gap closure. With an NPS of 93, this is one of our highest-rated episodes in over 11 years. Download the Episode Guide: We're piloting a brand-new Episode Guide summarizing key insights and speaker highlights. Download the Guide to follow along and deepen your understanding of today's discussion. Thank you to MedWatchers for supporting this episode. With 180 pharmacists on staff, they're a trusted clinical partner to more than 300 health plan contracts—delivering over 2.7 million pharmacist-led interventions annually across Medicare, Medicaid, and Commercial populations. Learn how they're helping plans improve adherence, reduce readmissions, and scale Stars-aligned strategies at www.medwatchers.com.

The Medicare Advantage Minute is pre-empted so that we can spend the time examining the current state of Part D Prescription Drug Plans (PDP).  We also do some speculation about the economic pressures facing these plans and what changes might be necessary for the year 2026. In the "Your Medicare Benefits 2024" we learn the eligibility requirements and the extent to which Medicare will cover Hepatitis B screening and treatment. Finally, a quiz reveals the healthiest states vs. the unhealthiest states in the USA for older Americans. 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!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

In this episode of the Power of Zero Show, host David McKnight looks at every possible tax or cost that may result from a Roth conversion. The first tax you'll have to pay when executing a Roth conversion is federal income tax.  Whatever portion of your IRA you convert to Roth is realized as ordinary income and piled right on top of all your other income. David is an advocate for not converting to Roth unless you think your federal tax rate in retirement is likely to be higher than it is today. The second tax you could end up paying when doing a Roth conversion is state tax. The situation will vary depending on where you live – in Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming, you don't have to pay state tax, including on Roth conversion. Do you live in Illinois, Iowa, Mississippi, or Pennsylvania? Then, you'll have to pay state tax, but Roth conversions are exempted. If you're thinking about moving to one of these states to avoid paying these taxes, just know that, while they may not charge income tax on Roth conversions, they do make up for it in other ways (sales and property tax, for example). IRMAA – the Income Related Monthly Adjustment Amount – is the third cost you could end up paying when doing a Roth conversion. IRMAA represents an additional charge you could be required to pay on your Medicare Part B and Part D premiums. The next potential tax you could pay as a result of doing a Roth conversion is Social Security taxation. The fifth cost you could incur because of a Roth conversion is NIIT (Net Investment Income Tax) – also known as the Obamacare surtax. NIIT is a 3.8% surtax on the lesser of your net investment income or the amount of your modified adjusted gross income that exceeds the threshold of $200,000 for single filers and $250,000 for married filing jointly. The sixth tax you could potentially pay as a result of doing a Roth conversion is an indirect one and results from the phase out of certain credits or deductions. The list of credits and deductions includes child tax credits, student loan interest deductions, the saver's credit, and education credits. Underpayment penalties is the seventh tax you could potentially pay by doing a Roth conversion. David explains that many people opt to pay taxes on their Roth conversion in the fourth quarter. The problem, however, lies in the fact that when you pay the taxes on your Roth conversion out of cash in the fourth quarter, the IRS expects you to have paid taxes on that Roth conversion evenly throughout the year. The eighth and final tax you could end up paying as a result of doing a Roth conversion applies to those who are getting health insurance through the Affordable Care Act. Does your Roth conversion push you above the subsidy threshold? If so, know that you could have a partial or total loss of subsidies or may have to repay subsidies at tax time. “Think of all of these additional taxes or costs as tradeoffs, not problems or unintended consequences,” says David. For example, you may pay increased Social Security taxation during your Roth conversion period, but will then eliminate Social Security taxation altogether by the time your conversion is complete. If President Trump extends his tax cuts, then the national debt will grow to $62 trillion by 2035. Most experts believe that the only way we can service this massive debt load is to dramatically increase income tax rates. According to a recent Penn Wharton study, if the U.S. doesn't right its fiscal ship by 2040, no combination of raising taxes or reducing spending will prevent the nation's financial collapse. Remember: while it's true that Roth conversions do cause you to pay additional taxes and expenses in the short term, they do dramatically reduce those costs over the balance of your life, once your conversion is complete. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Penn Wharton

President Donald Trump unveiled a sweeping drug pricing policy this week, seeking to lower drug prices in the U.S. by up to 80% through a reprisal of the Most Favored Nation rule he attempted to introduce in his first term. The rule would essentially link U.S. prices to those paid in other nations where medications are cheaper. Biopharma reaction was one of tentative relief, with BMO Capital Markets analysts suggesting the executive order had “more bark than bite.” Meanwhile, the Centers for Medicare and Medicaid Services announced that among the next 15 drugs to undergo IRA-prescripted price negotiations could be drugs payable through Medicare Part B, and not just Part D, where the first two rounds have applied.  Into all of this action steps Vinay Prasad, the outspoken oncologist and hematologist who was named last week as the next director of the FDA's Center for Biologics Evaluation and Research. While the S&P Biotech ETF fell by more than 5% upon the news, overall reaction was fairly measured, with cell and gene therapy executive Audrey Greenberg summing up Prasad's selection as “anything but a status quo appointment.”  Over in the weight loss and obesity space, Eli Lilly can't seem to lose. This weekend, Lilly announced full data from a head-to-head trial showing a “superior benefit-to-risk ratio” for its Zepbound over Novo Nordisk's Wegovy. And last week, the Indiana-based pharma won a court battle against compounders when a judge sided with the FDA, stating that tirzepatide—the active ingredient in both Zepbound and diabetes sister drug Mounjaro—was no longer in shortage. Add on a presidential shoutout during Trump's Monday press conference for its U.S. manufacturing investments, and it really was Lilly's week.  Flying less high are some 2,000 Bayer employees who lost their jobs in the first quarter of 2025 as part of the company's new operating model, which is intended to make Bayer “much more agile.” On a less direct flight is Galapagos, which reversed course on plans to spin out a portion of the company and find a new CEO. Instead, CEO Paul Stoffels will make a quicker exit and the Belgian biotech could sell off its cell therapy assets as it looks to build up a new pipeline in house, having abandoned the spinout idea altogether. Stay tuned.  Finally, in ClinicaSpace this week, we took a deep dive into the HIV treatment space, where companies like Gilead and Immunocore are targeting a cure, while the Trump administration slashes funding for HIV research.  

Join Sarah as she dives back into CMS regulations! This week, she highlights 5 regulations from the 2026 Medicare Advantage and Part D Final Rule.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 CMS 2025 Marketplace Integrity & Affordability Proposed Rule: https://lnk.to/asgf20250314 CMS Updates to MA and Part D for CY 2026: https://lnk.to/asgf20250425 Expanded Medicare Telehealth Benefits Extended Through September 2025: https://ritterim.com/blog/expanded-medicare-telehealth-benefits-extended-through-september-2025/  Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/   References: “CMS Finalizes 2026 Payment Policy Updates for Medicare Advantage and Part D Programs.” CMS.Gov, Centers for Medicare and Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-2026-payment-policy-updates-medicare-advantage-and-part-d-programs. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare.     Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.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/   Not affiliated with or endorsed by Medicare or any government agency.

Dans le podcast « Ça peut vous arriver » sur RTL, Julien Courbet et son équipe distribuent conseils conso et astuces juridiques pour lutter contre les arnaques dans la bonne humeur. Ecoutez Ça peut vous arriver avec Julien Courbet du 02 mai 2025.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

  The Friday Five for April 25, 2025: Dr. Oz shares MAHA vision as CMS admin CY 2026 Part D Coverage Cost Breakdown CY 2026 Selected Drug Subsidy Cost Breakdown Provisions Not Finalized in 2026 MA and Part D Final Rule Impact of Non-Finalized Provisions on Agents   Dr. Oz shares MAHA vision as CMS admin: Simmons-Duffin, Selena. “5 Things to Know as Dr. Oz Prepares to Lead Medicare and Medicaid.” NPR.Org, NPR, 3 Apr. 2025, www.npr.org/sections/shots-health-news/2025/03/25/g-s1-55766/dr-mehmet-oz-medicare-medicaid-cms-trump. “Dr. Mehmet Oz Shares Vision for CMS.” CMS.Gov, Centers for Medicare & Medicaid Services, 25 Apr. 2025, www.cms.gov/newsroom/press-releases/dr-mehmet-oz-shares-vision-cms. Olsen, Emily. “Dr. Oz Sworn in as CMS Administrator.” Healthcaredive.Com, Healthcare Dive, 21 Apr. 2025, www.healthcaredive.com/news/dr-mehmet-oz-sworn-in-cms-administrator/745880/.   CY 2026 Part D Coverage Cost Breakdown: “Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 23 Apr. 2025. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare.   CY 2026 Selected Drug Subsidy Cost Breakdown: John, Stephnie A., and Abdie Santiago. “The IRA in 2025: The Future of Medicare Part D.” Mintz.Com, Mintz, 13 Feb. 2025, www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d. “Medicare Prescription Drug Benefit Manual – Chapter 5.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/chapter-5-benefits-and-beneficiary-protection-v92011.pdf. Accessed 23 Apr. 2025. “Factsheet: Medicare Drug Price Negotiation Program.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-selected-drug-negotiation-list-ipay-2026.pdf. Accessed 23 Apr. 2025.   Provisions Not Finalized in 2026 MA and Part D Final Rule: “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 24 Apr. 2025. Tong, Noah. “Medicare Advantage Final Rule Excludes Anti-Obesity Drug Coverage under Medicare, Medicaid.” Fiercehealthcare.Com, Fierce Healthcare, 4 Apr. 2025, www.fiercehealthcare.com/payers/medicare-advantage-final-rule-excludes-anti-obesity-drug-coverage-under-medicare-medicaid. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 24 Apr. 2025. “Medicare Coverage of Anti-Obesity Medications.” Aspe.Hhs.Gov, Assistant Secretary for Planning and Evaluation, 26 Nov. 2024, aspe.hhs.gov/sites/default/files/documents/127bd5b3347b34be31ac5c6b5ed30e6a/medicare-coverage-anti-obesity-meds.pdf.   Resources: 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/ 3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656 4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 CMS Updates, Content Library, & More! https://lnk.to/asgf20250328 Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/ Subscribe to the Ritter Blog: https://ritterim.com/blog/ The Best Appointment Schedulers for Insurance Agents: https://lnk.to/asg657   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.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/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Aujourd'hui, Antoine Diers, Fatima Aït-Bounoua et le Dr Jérôme Marty débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

CMS just released the 2026 MA and Part D Rate Announcement! Listen to learn more about what this means for the upcoming coverage year.   Resources: 3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656 4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655 CMS Updates, Content Library, & More! https://lnk.to/asgf20250328 Introducing a Content Marketing Solution for Insurance Agents: https://lnk.to/contentlibrary  The Best Appointment Schedulers for Insurance Agents: https://lnk.to/asg657   References: “2026 Medicare Advantage and Part D Advance Notice Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Jan. 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-advance-notice-fact-sheet. “2026 Medicare Advantage and Part D Rate Announcement.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement. “Announcement of Calendar Year (CY) 2026 Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/files/document/2026-announcement.pdf. Tong, Noah. “CMS Finalizes 5.06% Medicare Advantage Benchmark Increase.” Fiercehealthcare.Com, Fierce Healthcare, 8 Apr. 2025, www.fiercehealthcare.com/payers/cms-finalizes-506-medicare-advantage-benchmark-increase. “CMS Finalizes 2026 Payment Policy Updates for Medicare Advantage and Part D Programs.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-2026-payment-policy-updates-medicare-advantage-and-part-d-programs. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. “Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.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/   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Not affiliated with or endorsed by Medicare or any government agency.

Lynn Nonnemaker and Amy Kelbick join Julia Grabo to discuss the two Medicare Advantage (MA) final rules released in the past week and how they fit into the Administration's other initiatives and larger priorities.

Today on America in the Morning   Trump Talks Tariffs As Wall Street Braces For More Turbulence The Trump administration says some countries hit with restrictive tariffs last week want to come to the negotiating table, as investors brace for what looks like another tough day in the markets. John Stolnis has the latest from Washington.     Hands Off Across America Tens of thousands of Americans gathered at more than 12-hundred events in all 50 states over the weekend from Maine to Florida and Texas to Alaska – all with a common message to President Trump: Hands Off. Correspondent Rich Johnson has a roundup of the rallies from coast to coast.     GOP Budget Focus Republicans on Capitol Hill are hopeful that the House and Senate will agree on President Trump's agenda and spending cuts. Correspondent Clayton Neville reports.     Netanyahu To The White House President Trump and Benjamin Netanyahu will be meeting today at the White House for talks which will include the war in Gaza and tariffs, the first world leader to meet with the president regarding his worldwide tariff announcement.    Second Measles Death Health and Human Services Secretary Robert F. Kennedy, Jr. made a stop in Texas on Sunday and visited the family of a 6-year-old girl who died of the measles virus in February. Correspondent Marcela Sanchez reports on the death of a second child linked to measles in the Lone Star State.    Great 8 Makes History The Great One has been surpassed by the Great 8. Alex Ovechkin stands alone as the greatest goal scorer in hockey history. Correspondent Gethin Coolbaugh reports.         Bessett Talks Tariffs Wall Street's downward spiral over the news about tariffs is expected to continue today, as Wall Street futures plunged again overnight. Stocks markets in Europe and Asia were also in freefall.  Treasury Secretary on NBC's Meet the Press says the Trump administration will be staying the course despite Wall Street losses. Correspondent Donna Warder reports.     Wicked Weekend Weather At least 16 people are dead after a severe storm system with torrential rain, severe floods, hail and dozens of tornadoes tore through parts of the South and Midwest. Correspondent Clayton Neville reports.     DOJ Lawyer On Leave After Loss In Maryland Case A judge has sided with a Maryland man from El Salvador who was expelled in what is described by the White House as a quote- “administrative error" and demanded he be removed from a Central American prison and returned to the United States by the end of today. Correspondent Lisa Adams Wagner reports.     Company Responses To Tariffs Companies around the world are taking an extremely cautious approach to President Trump's new tariff order.     No Obesity Drug Coverage The Trump administration has decided not to cover costly injectable drugs for obesity, under Medicare's Part D prescription drug program. Jennifer King has more.    McCarrick Passes Away Theodore McCarrick, the former archbishop of Washington and the highest American prelate of the Roman Catholic Church to be accused of sexually abusing minors and seminarians — a charge that stripped him of his ministry, his place in the College of Cardinals and his priesthood, has passed away. Correspondent Ed Donahue reports.    Tesla Incidents Abroad Incidents involving the reports of vandalism of Tesla vehicles and showrooms isn't just happening in the United States. Correspondent Haya Panjwani reports there has been a number of damage reports abroad, including in Italy.   Finally   Now you know why the Mindcraft video game has been a major hit with kids. It's also a massive success with young and old alike at the box office. Kevin Carr has details. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Trump's administration has decided not to cover costly injectable drugs for obesity, under Medicare's Part D prescription drug program. The AP's Jennifer King has more.

This week in the Breakroom, Lynn Nonnemaker joins Maddie News to discuss the upcoming Medicare Advantage and Part D final rate notice and what stakeholders should be looking out for.

Caution - this episode contains some details of suicides that happened when I worked at Amec Foster Wheeler in Kuwait. If you need it, these are helplines you can call for the top 5 most popular countries for this newsletter:USA: 988 for the Suicide and Crisis Lifeline.UK: 111 for the NHS.Canada: 988 for the Suicide Crisis Helpline.Australia: 1300 22 4636 for Beyond Blue.India: 9820466726 for Aasra.Continuing the testimony regarding my career in the worst country to be an expat, Kuwait. Until I joined Jacobs later on, I would also have contended it was at the worst place to be a consultant - Amec Foster Wheeler. The story of injustice whilst at Amec Foster Wheeler in Kuwait continues.

In this podcast episode, AFSPA CEO, Kyle Longton provides a comprehensive overview of how Medicare and the Federal Employee Health Benefits (FEHB) program work together. Learn about each part of Medicare - A, B, C, and D - and what factors you should consider when deciding whether to enroll in Part B.  Please note: this presentation addresses only how Medicare and FEHB work together. It is not intended for audiences beyond those with FEHB coverage. The information is accurate as of March 4, 2025.  For information on Part B premiums and Part D premiums/IRMAA amounts, please visit: https://www.medicare.gov/Pubs/pdf/115.... To learn more about signing up for Medicare, visit: https://www.ssa.gov/medicare/sign-up.To learn more about the Foreign Service Benefit Plan and Medicare, visit: https://www.afspa.org/fsbp-and-medicare/

Today's episode addresses five reasons why a Roth IRA is one of David KcKnight's favorite tax-free investments.  Unlike other retirement accounts, Roth IRAs give you 100% liquidity on all contributions. While David isn't necessarily suggesting that you use your Roth IRA as an emergency fund, it's nice to know that you won't have to wait until age 59 ½ to be able to access those funds. If you happen to take out your Roth IRA contributions, you can put that money back within 60 days as long as your Roth IRA was not involved in a rollover during the 12 months preceding the date of distribution. Tax regrowth is a second reason why David is an advocate for Roth IRAs. For David, going for a Roth IRA could be the right move if you believe that your tax bracket in retirement is likely to be higher than it is today. The Penn Wharton School of Business recently said that if the U.S. doesn't write its fiscal ship of state by 2040, no combination of raising taxes or reducing spending will prevent the financial collapse of the country. Some experts are even predicting that tax rates could have to double in order to honor the nation's massive financial obligations. A third huge benefit of a Roth IRA is that whatever money you don't spend during your lifetime passes to your heirs, 100% tax-free –though they'll have to liquidate those dollars within 10 years. Thinking about Roth IRAs? Just know that distributions from Roth IRAs don't count as provisional income. In other words, they don't count against the thresholds that cause Social Security taxation. David explains what can cause up to 85% of your Social Security to become taxable at your highest marginal tax bracket – leaving a huge hole in your Social Security. David has done the math hundreds of times: when you pay tax on your Social Security, you run out of money five to seven years faster than people who don't pay tax on their Social Security. Finally, Roth IRAs are a tool worth leveraging for the fact that Roth IRA distributions don't count as income-related monthly adjustment amount (also known as IRMAA).  That translates to distributions from your Roth IRAs not counting against the thresholds that cause your Medicare Part B and Part D premiums to go up. David sees the Roth IRA as one of the crown jewels in the IRS tax code.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Penn Wharton

Send us a textIn this episode we tune in to two different rallies as both candidates are barnstorming the nation to make their case to as many people as they can get in front of in 1992. President Bush is campaigning in the heartland of Missouri while Governor Bill Clinton is on the west coast in Oregon. We will tune in to the local coverage in both states as we hear the reactions of the crowds as the campaign starts to heat up in late September.  Questions or comments at , Randalrgw1@aol.com , https://twitter.com/randal_wallace , and http://www.randalwallace.com/Please Leave us a review at wherever you get your podcastsThanks for listening!!

When eligible people turn 65, they can sign up for Medicare. One thing to consider is drug coverage, or Part D. Reset learns more about Medicare drug coverage and answers listener questions with Illinois Senior Health Insurance Program director Sandy Leith. For a full archive of Reset interviews, head over to wbez.org/reset.

Send us a textFr Joe Krupp continues teaching on DiocletianCheck out the recently released JIBM Web site at:  https://www.joeinblackministries.com/Please use the following link if you would like to financially support Church of the Holy Family: https://pushpay.com/g/hfgrandblanc?sr...Faith That Challenges. Conversations that Matter. Laughs included. Subscribe Now!Breaking down faith, culture & big questions - a mix of humor with real spiritual growth. Listen on: Apple Podcasts Spotify

In this episode, Our guest is MARC RYAN, who has extensive leadership experience across the healthcare industry. Most recently, he was a founding executive and President of MedHOK (MHK, acquired by Hearst Health). He has launched and operated multiple health plans. Marc served in senior policy roles in state and federal government, including as state management secretary of Connecticut and helping build Medicare Part D's relationship with state drug assistance programs in 2006. He created Connecticut's Medicaid and children's health managed care programs and its long-term care continuum. Marc is the author of The Healthcare Labyrinth: A Guide To Navigating Health Plans and Fixing American Health Insurance and the host of the Healthcare Labyrinth Podcast.Topics covered:(1) What are the trends in drug spending and the impact on all types of insurance products -- Medicare, Medicaid, commercial/employer -- cost trends for medical and retail(2) What is driving the major increases in drug costs/spending?(3) How are GLP-1s treated across various products? And will coverage change?(4) American drug prices compared with others?  Can you discuss how we compare vs. other developed countries and why (more than twice -- in many cases 3, 4, and 5 times more -- impacts on employer, Medicare, etc. -- rising percentage of healthcare as well as employer) (5) Medicare drug price negotiations -- what it is and what has happened so far? where do you stand?(6) A lot is occurring in plans on PA, formularies, benefit design, PBM reform -- a very hot topic -can you tell us more about this and what you predict? (7) Can you explain the traditional PBMs vs. transparent ones? FTC lawsuit against PBMs and drug supply channel issues(8) There have been major changes to Part D and it is impacting Medicare Advantage and Part D -- what is happening for 2025 benefits as well as can you tell us a little on a study that questioned the value of Part D?(9a) Medication Adherence in the Star program for MA and Part D plans -- key.  Can you tell us more here? 9(b) How could pharmacists in the community support medication adherence etc -- Will discuss trends from health plans about recognizing the best way to ensure medication reconciliation and adherence is teaming up with pharmacists. Guest - Marc RyanHost - Hillary Blackburn, PharmD, MBAwww.hillaryblackburn.comhttps://www.linkedin.com/in/hillary-blackburn-67a92421/ @talktoyourpharmacist for Instagram and Facebook ★ Support this podcast on Patreon ★

Bienvenue dans La Leçon, le podcast sur l'art d'échouer. Cette semaine, je suis super heureuse de recevoir l'iconique Jennifer Ayache du groupe Superbus à l'occasion de la réédition de son titre Lola en collaboration avec Hoshi et Nicola Sirkis. Des dates arrivent, soyez vifs !Je vais fangirler un instant mais Jennifer était notre icone à l'âge des pantalons ultra patte def qui se déchirent à force de trainer par terre et des colliers en patte fimo. Et force est de constater que son titre est toujours aussi cool et efficace en 2025. Moi en revanche dieu merci j'ai upgradé mon look.Bonne écoute les amis

In the Medicare Advantage Minute we learn that algorithms used by the big 3 MA companies automatically reject 1 in 4 requests for post-acute care. Your Medicare Benefits 2024 teaches us how the program is likely to cover Chronic Care Management Services, in case you ever need them. In answers to questions from Randy, I explain that the Part D drug plan online enrollment process has been improved to allow me to enroll my clients. On the other hand, in order to select the "best" plan I must be able to predict the needs of the client will face in the coming year. Otherwise, my recommendation is just a worthless crap shoot. Finally I review the changes in drug plans in 2025, list the three benefit stages of a drug plans and list just a few of the problems one might experience with a Medicare Advantage plan.  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.

If you are all taking a beat after the 2025 Medicare AEP, you are not alone.  But as we look back, we see a lot of positives.  In this 2025 recap episode, The Brokerage Inc. Executive Vice President, Josh Slattery discusses the highlights.   Some highlights include; a 36% year-over-year growth, with UnitedHealthcare leading with 1.2 million enrollments. The conversation also covers the impact of the Inflation Reduction Act on standalone Part D members and the importance of D-SNP enrollments.  The podcast also touches on the challenges of retention, the potential impact of the new administration on Medicare Advantage, and the importance of targeting the turning 65 demographic and the chronic market for future growth. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! Linkedin: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

TRAILERWelcome to episode 80 of the One for the Money podcast. I am always glad and grateful you have taken the time to listen. This episode is part 2 of a 2 part series on Medicare, which is the Federal health insurance program that helps pay for the health care costs of retirees. In episode 79, which was part 1 of this series, I shared what one needs to understand about Medicare and in this episode I'll share the most common Misunderstandings and Mistakes people make with Medicare.In the tips, tricks, and strategies portion I will share a tip regarding choosing between Medicare Advantage and Medicare Supplement Insurance.In this episode...Medicare Isn't Cheap [2:23]Late Medicare Enrollment [4:47]Skipping Part D [5:46]Enrollment isn't One-time [6:48]Ignoring Pre-existing Conditions [7:50]MAINIn Episode 79 of the One for the Money podcast, I shared how expensive healthcare can be in retirement, even with Medicare covering a lot of the expenses. According to a survey released by the investment company Fidelity in August of 2024, most individuals expect healthcare costs in retirement to be~ $75,000 per person or $150,000 per couple but the actual expenses are $165,000 per person or $330k per couple. That is more than double what people estimate they will have to shell out. Medicare will play a major role with regard to their health care in retirement. However, the Medicare system itself can be challenging to fully comprehend given the various coverage options, expenses, and deadlines involved.Due to these misunderstandings far too many American's make critical mistakes regarding their Medicare coverage. Here are five of the most common mistakesFirst, many Americans might assume (given that they've paid into the Medicare system through payroll taxes throughout their careers) that Medicare coverage is completely free. Whereas, in reality, several parts of Medicare (e.g., Part B medical coverage (doctor visits) Part C, and Part D (which provides prescription drug coverage) require you to pay premiums. Further, even if one understands that they will have to pay premiums, they might not be familiar with Income-Related Monthly Adjustment Amount (IRMAA) surcharges (aka IRMAA), which apply to retirees with higher incomes in retirement which can increase their costs further. And so the Mistake people make is thinking Medicare is inexpensive or free but Medicare does not cover 100% of your healthcare  costs. Medicare part A covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health care,Part A Deductible and Coinsurance Amounts for Calendar Years 2024 and 2025by Type of Cost Sharing20242025Inpatient hospital deductible$1,632$1,676Daily hospital coinsurance for 61st-90th day$408$419Daily hospital coinsurance for lifetime reserve days$816$838Skilled nursing facility daily coinsurance (days 21-100)$204.00$209.50Medicare Part B (Medical Insurance):.Part B is optional and available to anyone who qualifies for Part A. It requires a monthly premium, regardless of work history.Part B covers doctor visits, outpatient care, medical services like lab tests, and most preventive services.Premiums for part B in 2025 as low as 185/mo or as high as 628.90/month based on your income from the previous years. Those higher premiums are a result of the IRMAA charges I...