Podcasts about part d

Medicare can feel like a maze of parts, plans and deadlines – and getting it wrong can cost you. On this episode of the HerMoney Podcast, sponsored by LIMRA, Jean sits down with mother-daughter Medicare experts Diane Omdahl and Melinda Caughill of 65 Incorporated to break down exactly what you need to know: when to enroll, how to choose between Original Medicare and Medicare Advantage, and what's changing in 2027 that could catch beneficiaries off guard – from Part D drug plan shakeups to insurers pulling back from Medicare Advantage. We cover: The basics of Medicare – who's automatically enrolled and who isn't, and when you should start prepping to make Medicare decisions A quick guide to Parts A, B, C and D, plus where Medigap fits in Original Medicare vs. Medicare Advantage: the key differences and why the choice matters more than you think What to know about switching plans later – and why timing is everything What's changing with Part D and Medicare Advantage in 2027 A tool that can help simplify comparing your options during open enrollment After you've listened, if you're ready to dig in, LIMRA's 5-step guide to planning for healthcare costs in retirement is a great place to start. It will help you get organized, understand your options, and know what to ask your advisor about building a healthcare strategy before you retire. Learn more about your ad choices. Visit megaphone.fm/adchoices

TWIRx NEWS 1. Medicare Part D Paid Nearly $588 Million for Ineligible OTC Drugs   A federal audit found that Medicare Part D sponsors made approximately $587.7 million in ineligible payments from 2021 through 2023 for medications that had effectively transitioned from prescription to over-the-counter status.   The HHS Office of Inspector General cited outdated FDA information and the lack of a clear CMS rejection timeline as major contributors.   Why it matters: This exposes a serious coordination problem across FDA data, manufacturers, CMS, health plans and pharmacy claims systems.   Pharmacists may see the rejection or payment issue at the counter, but the failure often begins far upstream.   Read the Fierce Healthcare report Read the HHS-OIG audit 2. FDA Responds to Estradiol Patch Supply Pressure   The FDA is working with six manufacturers to improve access to estradiol transdermal patches amid increased demand.   While FDA has not declared a national shortage, availability varies by product, strength and geographic area. Manufacturers are increasing production through larger batches, added shifts and expanded capacity.   Why it matters: Pharmacists are again serving as the front line of a supply-chain challenge—helping patients locate medication, coordinating with prescribers and identifying alternatives.   Read the Reuters report Read the FDA update 3. New RSV and COVID-19 Guidance Released   The American Academy of Pediatrics and American College of Obstetricians and Gynecologists have issued updated recommendations for RSV and COVID-19 protection during the 2026–2027 respiratory season.   Why it matters: Pharmacists may face conflicting recommendations, patient confusion and questions about eligibility.   Clear counseling and coordination with pediatric and obstetric providers will be critical.   Read the Pharmacy Times report SPECIAL ANNOUNCEMENT FROM OUTCOMES   A special update from Megan Urban and Outcomes.   Outcomes is highlighting new enhancements to its Rx30 pharmacy management platform, including a refreshed user experience, automated data-entry capabilities and support from a dedicated Client Success Team.   The program will explore how these updates can streamline pharmacy workflows, save time and support greater focus on patient care.   Presented by: Dalia Rios and Kaley Lester September 9, 2026 — 1:30 p.m. ET   Register here FEATURED CONVERSATION Building a Bridge to GLP-1 Access   Our featured guest is HaVy Ngo-Hamilton, PharmD, RPh, Senior Pharmacy Director at Buzz Health.   HaVy works at the intersection of pharmacy, healthcare technology, medication affordability and prescription access.   Buzz Health operates platforms including BuzzRx, RxCompare and RxAffect, with a focus on helping connect patients, pharmacies, prescribers and prescription pricing information.   That makes today's discussion particularly timely. THE MEDICARE GLP-1 BRIDGE   CMS launched the Medicare GLP-1 Bridge on July 1, 2026, to provide eligible Medicare Part D beneficiaries access to selected GLP-1 medications for weight management.   The demonstration runs through December 31, 2027.   Eligible beneficiaries pay $50 for a monthly supply, while the program operates outside the traditional Part D payment flow through centralized prior authorization, claims adjudication and pharmacy payment.   Eligible therapies currently include:   Foundayo® Wegovy® Zepbound®   The bigger issue is not simply GLP-1 coverage.   It is how healthcare connects eligibility, affordability, prior authorization, pharmacy workflow and patient access.   The central question for today's discussion:   Can we create a medication-access system where patients know whether they can obtain and afford their therapy before they reach the pharmacy counter? CLOSING THOUGHT   The Medicare GLP-1 Bridge is more than another federal drug program.   It is a real-world test of how healthcare can better connect coverage, affordability, prior authorization and pharmacy fulfillment around high-demand therapies.   Pharmacists remain at the center of that process.   The opportunity is to use technology to move more complexity upstream—allowing pharmacists to spend less time troubleshooting prescriptions and more time caring for patients.   Our thanks to HaVy Ngo-Hamilton, PharmD, RPh, Senior Pharmacy Director at Buzz Health, for joining us on This Week in Pharmacy.   Learn more about the CMS Medicare GLP-1 Bridge   Learn more about Buzz Health   TWIRx — This Week in Pharmacy Pharmacy Podcast Network   Amplifying the Voice of Pharmacy.

Nouveaux pilotes, un brin déjantés, à bord de la Libre Antenne sur RMC ! Jean-Christophe Drouet et Julien Cazarre prennent le relais. Après les grands matchs, quand la lumière reste allumée pour les vrais passionnés, place à la Libre Antenne : un espace à part, entre passion, humour et dérision, débats enflammés, franc-parler et second degré. Un rendez-vous nocturne à la Cazarre, où l'on parle foot bien sûr, mais aussi mauvaise foi, vannes, imitations et grands moments de radio imprévisibles !

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.

Most people think they understand Medicare — but a recent eHealth survey reveals a shocking knowledge gap that could cost you thousands of dollars. In this eye-opening conversation, Derrick Duke, CEO of eHealth, breaks down everything you need to know before turning 65, including the permanent 10% late enrollment penalty most people don't discover until it's too late, why skipping Part D prescription drug coverage is a costly mistake, and how Medicare plans change every year making an annual review essential.

"Everything government touches is complicated." - Danielle Kunkle Roberts Our hosts, Stephanie McCullough and Kevin Gaines, bring on Danielle Kunkle Roberts of Boomer Benefits, and author of 10 Costly Medicare Mistakes You Can't Afford to Make. As the title of her book suggests, Medicare isn't free. Believing otherwise is mistake number one! Premiums, deductibles, and coverage gaps are real costs that blindside retirees, especially anyone who leaves the workforce before 65 and needs an ACA bridge plan to survive the gap. The trickiest wrinkle is the size-of-employer rule. If you work for a company with 20-plus employees past 65, your group plan stays primary while Medicare waits in the wings. Work for a smaller one, and Medicare becomes primary whether you enrolled or not, leaving a surprise medical bill for anyone who assumed their coverage worked the way a friend's did. Never assume your neighbor's, cousin's, or friend's Medicare situation applies to yours, because age, employer size, and state all rewrite the rules. Danielle also talks about "Ugly IRMAA". As the income-based surcharge calculated off your tax return from two years back, the Medicare IRMAA can ambush anyone who thought retirement meant no more "earnings." Then there's the annual Advantage plan and Part D notices of change, proof that even after enrollment, nothing about Medicare is truly "set it and forget it." Danielle's fix isn't memorizing every rule, but finding a broker paid by commission rather than out-of-pocket, who revisits your plan every single year.   Key Topics: Medicare Isn't Free: Premiums and Coverage Gaps (05:30) Late Enrollment Penalties That Last Forever (11:39) Meet "Ugly IRMAA": Income-Based Premium Surcharges (18:31) Keep Your Creditable Coverage Paperwork (25:26) Medigap vs. Advantage: The One-Way Door (31:28) How Brokers Actually Get Paid (33:11) Why Advantage and Part D Are Never "Set It and Forget It" (40:34) Key Takeaways (45:38)   Resources: Boomer Benefits: https://boomerbenefits.com Medicare Q&A with Boomer Benefits Free FB Group: https://www.facebook.com/groups/BoomerBenefits/ 10 Costly Medicare Mistakes You Can't Afford to Make (book): https://a.co/d/09YBATz5   "Danielle Kunkle Roberts, and Boomer Benefits  are not affiliated with or endorsed by Private Advisor Group, American Financial Management Group, or Sofia Financial." This episode or article may contain affiliate links.   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

MEDICARE ADVANTAGE MINUTE:                                                                SEVEN MEDICARE ADVANTAGE CHANGES COMING IN 2027 THE PART D SUBSIDY PROGRAM (PREMIUM STABILIZATION DEMONSTRATION) WILL END BEFORE 2027. MLM FAN MARK WRITES TO ASK WHAT TO DO IN CASE HIS EMPLOYER DRUG PLAN IS NOT "CREDITABLE". BILL SHARED AN EXCELLENT THOUGHT ABOUT A SITUATION LENDING ADDED VALUE TO MY FAVORITE MEDICARE SUPPLEMENT PLAN: HIGH DEDUCTIBLE PLAN G! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" ....AND A PODCAST! @ DBJ@M4TLM.com W medicareforthelazyman.com T (630) 878-5055   Review Us On Google  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 video, Dr. Lisa Faast breaks down the new GLP-1 Bridge Program and what pharmacy owners need to understand before participating. This new program gives Medicare beneficiaries access to weight-loss GLP-1s for a flat $50 co-pay (regardless of Extra Help status) billed and paid separately from Part D. Sounds like a win for patients, and it is. But I've seen too many pharmacy owners get blindsided by what it does to their business.** **Show Notes:** 1. **Introduction** [0:00] 2. **GLP-1 Bridge Program Overview** [0:10] 3. **GLP-1 Bridge Program for Pharmacy Businesses** [1:32] 4. **Financial Consequences of the GLP-1 Bridge Program** [2:24] 5. **Rebate and GCR Implications** [4:16] 6. **Cash Flow and Business Decisions** [4:53] 7. **Resources and Support for Pharmacy Owners** [6:39]   ----- #### **Becoming a Badass Pharmacy Owner Podcast is a Proud to be a part of the Pharmacy Podcast Network**

In this episode, Jakob Emerson, Associate News Director, Becker's Healthcare, discusses the latest Medicare Advantage trends, including SCAN's new partnership with Costco, insurer market exits, tighter margins, and fewer plan options for seniors. He also explores how changes to Part D subsidies could influence Medicare Advantage enrollment.

In this episode, Jakob Emerson, Associate News Director, Becker's Healthcare, discusses the latest Medicare Advantage trends, including SCAN's new partnership with Costco, insurer market exits, tighter margins, and fewer plan options for seniors. He also explores how changes to Part D subsidies could influence Medicare Advantage enrollment.

Axios reported that Walmart raised its outlook while saying drug price declines pressured pharmacy results. Pharmacy margins are being squeezed by reimbursement terms set by PBMs, generic drug deflation, and the 2024 shift of pharmacy DIR fees to the point of sale. CVS Health and Walgreens Boots Alliance have cited similar headwinds, while Amazon Pharmacy, Mark Cuban Cost Plus Drug Company, and GoodRx are reshaping price transparency and consumer behavior. The Inflation Reduction Act will add Medicare drug price negotiations in 2026 and a $2,000 Part D out-of-pocket cap in 2025, which could shift volumes and reimbursement flows. Rising demand for GLP-1 drugs adds inventory and authorization complexity without guaranteed margin lift. Walmart's 2024 exit from its health clinics highlights how reimbursement pressures influence strategy, pushing focus back to core pharmacy services and OTC products.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Choosing a Medicare Part D prescription drug plan is easier when you start with the costs that apply across the market. In 2026, the average Part D premium is $34.50 per month, the maximum deductible is $615, and the annual Part D out-of-pocket cap is $2,100. Those numbers give you a baseline, but they do not tell you what a particular plan will cost for your medications.

A surviving spouse may retain much of the household income—but suddenly face higher Medicare premiums and tax brackets. In Money Matters Episode 348, Christopher Hensley speaks with IRMAA Certified Planner Mark Annese about the widow's Medicare penalty and other retirement decisions that can trigger IRMAA. IRMAA—the Income-Related Monthly Adjustment Amount—is an additional charge applied to Medicare Part B and Part D premiums based on income reported two years earlier. Roth conversions, required minimum distributions, investment sales, and other seemingly reasonable financial decisions can create unexpected Medicare costs later. In this episode: • What IRMAA is and how the two-year income lookback works • Why the death of a spouse can create a "widow's penalty" • How Roth conversions and RMDs may affect Medicare premiums • When an SSA-44 appeal may be available after a life-changing event • Why Medicare planning should be coordinated with retirement and tax planning • How advisors can model potential IRMAA consequences before decisions are made Guest: Mark Annese, IRMAACP™ IRMAA Certified Planner, Advisor Coach, and Solutions Architect Retirement Advisor Pro: https://www.retirementadvisorpro.com Host: Christopher Hensley, RICP®, CES® Money Matters Podcast: https://www.moneymatterspodcast.com Watch the video episode: https://youtu.be/ObQJ6HQhdj4 This program is provided for educational purposes only and does not constitute individualized investment, tax, legal, or Medicare advice. Medicare premiums, income thresholds, and regulations change over time. Consult qualified professionals about your individual circumstances.

Misconceptions about insurance can sometimes get in the way of both the agent selling the plans and the client who is browsing the insurance market. In this episode of the Agent Survival Guide Podcast, we're here to help you decode the facts from the fiction.   Read the text version    Get Connected:

Monday featured our monthly segment with Christian Troy of Woodpecker Insurance of Concord. Christian provided some great advice on some possible changes in Medicare but assured us that “Part D” which is the prescription drug element of Medicare is NOT going away. For more information: www.woodpeckermedicare.com

The Medicare Part D Premium Stabilization Demonstration ends in 2027, meaning the temporary cap that kept Part D premiums low will expire and beneficiaries should expect higher, more variable premiums starting with the 2028 plan year. This page explains why the program is ending, who is most exposed, and what steps to take before the change takes effect.

In 2026, the stakes are higher than in previous years. The federal program that has kept Part D premiums artificially low is ending, which means drug plan costs could rise significantly for 2027. That makes this year's AEP more consequential than most. Below are the six most common and costly mistakes beneficiaries make during the Annual Enrollment Period, along with clear guidance on how to avoid each one.

This week on Financial Planning: Explained, host Michael Menninger, CFP®, welcomes back Cheryl Lagunilla, Health Insurance Advisor at Focused Health Access, to continue their Medicare discussion with a practical, real-world case study and an in-depth look at IRMAA (Income-Related Monthly Adjustment Amount). Building on the Medicare fundamentals covered in Part I, Mike and Cheryl walk through a realistic Medicare planning scenario to demonstrate how coverage decisions, enrollment timing, and income can affect healthcare costs in retirement. They also explain how IRMAA works, who is affected, and why higher-income retirees may pay increased premiums for Medicare Part B and Part D. The conversation highlights common situations retirees face when enrolling in Medicare, strategies for minimizing unexpected costs, and the importance of incorporating healthcare planning into an overall retirement strategy. Whether you're nearing Medicare eligibility, already enrolled, or helping a loved one navigate the process, this episode offers practical insights to help you make more informed decisions. Listeners will gain valuable insight into: What IRMAA (Income-Related Monthly Adjustment Amount) is and how it works How income affects Medicare Part B and Part D premiums A real-life Medicare case study and planning example Common Medicare enrollment and planning mistakes Strategies to help reduce unexpected Medicare costs How healthcare decisions fit into a comprehensive retirement plan Tips for evaluating Medicare coverage based on your personal situation Why proactive Medicare planning can help you avoid costly surprises Understanding how Medicare premiums are calculated—and how your financial decisions can impact your healthcare costs—is an essential part of retirement planning. This episode provides practical guidance and real-world examples to help simplify Medicare planning and prepare you for the road ahead. For more information on Menninger & Associates Financial Planning, visit: https://maaplanning.com.

Dr. Juliette Cubanski, Vice President and Director of the Program on Medicare Policy at KFF, joins Lisa Dent to assure listeners that Medicare Part D isn’t ending and explain what changes have actually happened. She clarifies that what ended was extra subsidies, received by certain Part D plans, that helped people with Medicare pay for […]

Part D

Build your pipeline with Lead Heroes' call-verified, exclusive insurance leads and take advantage of the Freedom Sale before it's gone.   https://leadheroes.com/  In this episode of Seven Figures Or Bust, Christian Brindle and Glen Shelton separate fact from fiction surrounding the 2027 Medicare Part D subsidy changes and the headlines claiming Part D is ending. They explain what the subsidy actually did, why misinformation has spread so quickly, and what Medicare agents and beneficiaries should really expect heading into AEP. Plus, they break down Humana's announcement that up to 600,000 Medicare Advantage members could be affected by market exits, discuss what it means for the industry, and share their predictions for the 2027 enrollment season. If you want the facts behind the headlines and practical insights for navigating the changes ahead, this episode is one you won't want to miss.  

The drug price negotiation provisions in the Inflation Reduction Act were designed to continue evolving with each passing year. As CMS prepares for 2028 and 2029, the agency has put out new draft guidance codifying and, in some cases, modifying the fine print of the controversial law. They've also recently issued additional draft guidance on how they'll handle the imminent introduction of Part B drugs into the programme. Hogan Lovells partner Alice Valder Curran returned to join pharmaphorum editor-in-chief Jonah Comstock to elucidate some of the finer points of this latest communication from CMS – and to urge the industry to take advantage of the public comment periods associated with it. Curran and Comstock discuss small, but impactful, changes in CMS's policies around deemed biologics, vaccines, and the special provisions that protect small biotechs. And Curran gives a rundown of what's in – as well as what's not in – the new MFP effectuation guidance, laying out how the differences in how Part D and Part B drugs are paid for leave some big question marks hanging over the programme. Tune in for an easy-to-understand deep dive into some complicated subject matter, and for a more comprehensive rundown don't forget to check out Hogan Lovells' policy briefs on the new draft rules and the MFP effectuation guidance.

This week on Financial Planning: Explained, host Michael Menninger, CFP®, is joined by Cheryl Lagunilla, Health Insurance Advisor at Focused Health Access, for a comprehensive discussion on Medicare and Medicaid—two of the most important healthcare programs for retirees and those approaching retirement. In this episode, Mike and Cheryl break down the fundamentals of Medicare, including Part A (hospital insurance) and Part B (medical insurance), before exploring the different coverage options available, such as Medicare Advantage (Part C), Medigap (Medicare Supplement Insurance), and Part D prescription drug coverage. They also discuss how Medicaid works alongside Medicare, who may qualify for additional financial assistance, and the programs that can help reduce healthcare costs. The conversation also covers critical Medicare enrollment deadlines, common enrollment mistakes, and how to avoid costly late enrollment penalties that can impact your healthcare expenses for years to come. Whether you're approaching age 65, helping a family member navigate Medicare, or simply planning ahead for retirement, this episode provides practical guidance to help you make informed healthcare decisions. Listeners will gain valuable insight into: Medicare Part A and Part B explained Medicare Advantage (Part C) vs. Medigap coverage Understanding Medicare Part D prescription drug plans Medicaid eligibility and additional financial assistance programs Medicare Savings Programs and Extra Help Initial Enrollment Period and Special Enrollment Period rules How to avoid Medicare late enrollment penalties Common Medicare mistakes and how to avoid them Healthcare planning as part of a comprehensive retirement strategy Tips for choosing the right Medicare coverage for your needs Understanding your healthcare options is a critical part of successful retirement planning. This episode helps simplify the often-confusing Medicare and Medicaid landscape so you can make confident decisions about your coverage and future healthcare costs. For more information on Menninger & Associates Financial Planning, visit: https://maaplanning.com.

For many retirees, their home isn't just a place of comfort, it's one of the largest assets on their balance sheet. However, beyond the emotional value and the years of accumulated equity, there's an often-overlooked reality: selling your primary residence can bring an unexpected tax bill. If you're contemplating a sale or want to ensure you're planning wisely, understanding the IRS's primary residence capital gains exclusion is essential. On the show this week, I break down what this exclusion means, who qualifies, how to maximize its benefits, and the critical planning steps to avoid a nasty tax surprise.   You will want to hear this episode if you are interested in... [00:00] Understanding capital gains exclusion [03:52] Capital gains exclusion requirements [07:40] Reducing taxes on home sale [11:31] Calculating capital gains tax [14:57] Impact of capital gains on IRMAA   The Primary Residence Capital Gains Exclusion Thanks to the IRS, many homeowners can exclude a substantial portion of the capital gains realized from the sale of their primary residence. Single tax filers can exclude up to $250,000 of gains while married couples filing jointly enjoy up to a $500,000 exclusion. In practical terms, this means if your gain from selling your home stays within these thresholds, you may owe no federal tax on that profit.   Who Qualifies for the Exclusion?  Before assuming you'll benefit from this significant tax break, it's important to meet all IRS requirements:   1. The Ownership and Use Test: You must have lived in the home as your primary residence for at least two of the five years preceding the sale. These years don't need to be consecutive, but they must total at least 24 months within the five-year window.   2. Exclusion Frequency: You cannot have claimed the exclusion on another home sale within the past two years.   3. Acquisition History: The property generally cannot have been acquired through a 1031 like-kind exchange in the previous five years.   Special Rule for Widows and Widowers: If you've recently lost your spouse, you may still qualify for the full $500,000 exclusion if you sell within 24 months of your spouse's passing, don't remarry during this period, and have satisfied the other ownership and use requirements.   Why More Homeowners Now Face Capital Gains Taxes Home values have seen record appreciation over the last three decades, but the exclusion thresholds haven't changed since 1997. A homeowner who bought in their 20s or 30s might now find that decades of appreciation have pushed them well beyond the exclusion limits—and into taxable territory. If your gains surpass the exclusion, any additional gains are taxed either as short-term (if you've owned the home for a year or less) or, more commonly for longtime owners, as long-term capital gains (taxed at 0%, 15%, or 20% depending on your income).   Maximize Your Savings: Track and Increase Your Cost Basis One of the most effective strategies to reduce your taxable gain is to properly track and boost your home's cost basis. Your cost basis starts with your original purchase price and is increased by certain acquisition costs (settlement fees, title insurance, legal fees, etc.). Most importantly, capital improvements—such as room additions, roof replacement, major kitchen or bath remodels, or HVAC system upgrades—can be added. Routine maintenance and minor repairs generally don't increase your basis, so keeping thorough records of major projects and associated costs is crucial. Medicare Premiums and Tax Strategy Selling your home and realizing a large capital gain may bump you into a higher Medicare premium bracket, known as IRMAA, which can affect your Part B and Part D premiums a couple of years after the sale. This makes it essential to coordinate a home sale with your overall income strategy and consult both a financial advisor and CPA before listing your home. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  National Association of REALTORS® Avoid These 7 Scenarios to Keep Your Medicare Premiums Lower In Retirement #313 2026 Medicare Part B Premium Surprises, #282  7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142      Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Medicare's new Part D program is aiming to cover certain GLP-1 medications for people with obesity, potentially lowering costs for eligible patients (with a co-pay mentioned around $50/month). In this episode, Liz Seegert, Health & Aging Journalist, breaks down what's actually changing—and why access isn't as simple as “yes, GLP-1s are covered.”

The Mystery of The Mercy- Part D

Millions of Americans are returning to work after retirement, but most do not realize that going back to work while on Medicare triggers a series of coverage decisions that can be costly if handled incorrectly. This article walks through the three most critical factors every Medicare beneficiary needs to understand before accepting a job offer: how employer size determines which insurance pays first, why cancelling a Medigap plan during employment can leave you uninsurable when you retire again, and how to protect yourself from permanent Part B and Part D penalties when you eventually leave the workforce. Written in plain language with real-world examples, the article gives readers a clear, actionable checklist so they can make informed decisions about their Medicare coverage before — not after — they sign an offer letter.

Verds en Comú Podem Sitges atribueix la sortida del govern municipal a l'incompliment de la paraula donada per part d'ERC i Sitges GI en el pacte de govern del 2023 que va fer possible la investidura d'Aurora Carbonell en el que s'establia un relleu de l'alcaldia en el darrer mandat. Carme Gasulla assegura que tant ERC com Sitges GI en el moment de treballar per aquest relleu han modificat condicions i posat impediments per a que es produís aquest relleu que li havia de suposar l'alcaldia als Comuns. Gasulla confirma que les discrepàncies comencen a partir del comunicat de Guanyem Sitges on s'anunciava que no donarien suport al relleu a l'alcaldia i manifesta que "les exigències, les resistències i les noves condicions plantejades pels nostres socis han acabat fent inviables les possibles vies d'acord". Gasulla assegura que no es van garantir les condicions per complir el pacte, que es va traslladar als comuns la responsabilitat per buscar els vots necessaris i que alhora no es van facilitar els compromisos que haurien permès aconseguir aquests suports. El deteriorament de les negociacions per Gasulla arriba en el moment en que segons els Comuns la formació de SitgesGI va proposar a un dels membres dels Comuns entrar a formar part del grup municipalista. L'entrada Carme Gasulla anuncia que Verds en Comú Podem marxa del govern per incompliment del pacte del 2023 per part d’ERC i SitgesGI: «el que no pot ser és exigir a una formació que construeixi una majoria i simultàniament impedir que es doni resposta a les condicions que poden fer possible aquesta majoria» ha aparegut primer a Radio Maricel.

Medicare beneficiaries can get their Part D late enrollment penalty waived, reduced, or appealed — covering the three main routes: qualifying for Extra Help/LIS, proving you had creditable coverage, and filing a formal appeal if an administrative error caused the delay

Medicare brings peace of mind to millions of retirees, but for those with higher incomes, there's an added layer of complexity called IRMAA—the Income Related Monthly Adjustment Amount. If your modified adjusted gross income (MAGI) crosses certain thresholds, you may end up paying substantially more for your Medicare Part B and Part D coverage. In this article, we break down how IRMAA works, outline common scenarios that may unexpectedly raise your premiums, and offer actionable strategies to help you avoid unnecessary costs during your retirement years.   You will want to hear this episode if you are interested in... [02:14] How IRMAA works [04:09] IRMAA income brackets and premium increases  [05:43] General strategies and limitations for avoiding IRMAA [09:49] Managing Capital Gains and Medicare costs [10:41] Understanding the possibility of unexpected large gains pushing income higher  [12:37] Impact of spouse passing on taxes [14:54] Avoiding IRMAA surcharge   What Is IRMAA, and How Does It Work? IRMAA adds a surcharge to your standard Medicare Part B and Part D premiums if your income exceeds specific limits. The calculation uses your Modified Adjusted Gross Income (MAGI) from your federal tax return for the prior two years. For example, your 2026 Medicare premium is determined by your 2024 tax return figures. This "two-year lag" means financial decisions made today could impact your healthcare costs down the line. In 2024, the standard Part B premium is $202.90 per month. However, single filers reporting over $109,000 or married couples filing jointly above $218,000 pay $284 each per month, per person. Surpassing $137,000 (single) or $274,000 (joint) pushes your premium to $405.90—more than double the baseline. Part D premiums are also subject to surcharges, ranging from $14.50 to $91 per month at the highest income levels.   Seven Scenarios That Can Trigger IRMAA—and How to Prepare While some situations are unpreventable, being aware of these common scenarios can help you make informed choices and potentially minimize your IRMAA exposure.   1. Municipal Bond Income: Not as Tax-Free as You Think Many investors favor municipal bonds for their federal tax-exempt status. Unfortunately, while this income is absent from your regular AGI, it is added back into your MAGI when calculating IRMAA. If you're relying heavily on munis in retirement, this could unexpectedly inflate your Medicare premiums. Consider alternative investments or relocating those assets into accounts or vehicles where this income is shielded, like certain annuities, after consulting with a qualified financial advisor.   2. Capital Gains on Your Home Sale When selling your primary residence, you can exclude up to $250,000 of gain if single or $500,000 if married, provided you meet the two-out-of-five-years residency rule. Gains above these thresholds are taxable and count toward your MAGI. Good record-keeping for home improvements can help increase your cost basis and reduce the taxable gain, but there aren't many strategies to avoid this spike if a large gain is unavoidable.   3. Profits from Investment Property Sales Selling an investment property can generate significant capital gains. But unique to investment real estate, the IRS allows you to defer these gains through a 1031 exchange—selling one investment property and reinvesting the proceeds into another. This move postpones the tax hit and the associated IRMAA impact, possibly indefinitely if you use the stepped-up basis at death.   4. Surprise Mutual Fund Capital Gains If you own mutual funds outside retirement accounts, unexpected capital gains distributions from within the fund (for example, after large stock sales like Apple) could spike your MAGI. To mitigate this, consider shifting from mutual funds to individual stocks, bonds, or exchange-traded funds (ETFs), which typically generate fewer surprise capital gains.   5. Roth Conversions are Great for Taxes, But Be Careful While Roth conversions can be powerful tax strategies, converting a sizable sum from a pretax IRA to a Roth IRA counts as income for IRMAA purposes. Carefully plan the size and timing of conversions to avoid pushing yourself into a higher premium bracket without realizing it.   6. The Financial Impact of Losing a Spouse Widowhood or widowerhood can be doubly difficult; not only do you suffer personal loss, but your filing status shifts to single, drastically lowering the income thresholds for IRMAA. If you expect changes in income or status, make proactive plans with your advisor to help smooth your MAGI.   7. Large, One-Time Retirement Account Withdrawals Big withdrawals from IRAs or 401(k)s—perhaps to buy a car or fund a vacation home—could catapult your income into a higher IRMAA tier. Consider spreading large purchases over several years or evaluating alternative financing options to keep retirement account withdrawals more manageable.   Small Decisions Add Up While IRMAA might not be avoidable for everyone, being strategic about income sources, withdrawals, and investment choices can reduce surprises and keep more of your retirement income where it belongs—with you. Always consult with a financial advisor familiar with your unique situation before making significant financial moves. Keep your knowledge current and your planning proactive to support a more cost-effective retirement.   Resources Mentioned   Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  2026 Medicare Part B Premium Surprises, #282 7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142 Mistakes To Avoid During Medicare Open Enrollment with Danielle Roberts, #229      Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan  

durée : 00:04:41 - Le Sénégal est éliminé de la Coupe du Monde après sa défaite en prolongation contre la Belgique 3-2. Ibrahim Mbaye, joueur du Paris Saint-Germain, est en vacances et difficile de le voir continuer au PSG l'an prochain, avec un temps de jeu qui ne devrait pas augmenter en l'état. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:03:40 - On n'arrête pas l'éco - par : Sandrine Foulon - Valentin travaille dans l'audiovisuel public et doit organiser un pot de départ pour une collègue. Peut-on boire des bouteilles de Meursault ? Combien mettre dans la cagnotte ? L'employeur doit-il participer ? Une chronique particulière à l'occasion de la dernière à l'antenne d'Alexandra Bensaid. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

In this final part of the Retire With Style Live Q&A, Wade Pfau and Alex Murguia answer a wide range of retirement planning questions covering annuities and life insurance surrender charges, the financial impact of losing a spouse, Roth conversions as a hedge against the "widow's tax penalty," tax-loss harvesting through direct indexing, dividend reinvestment strategies in retirement accounts versus taxable accounts, HSA withdrawal rules after age 65, and appropriate cash allocations in retirement portfolios. Throughout the discussion, they emphasize the importance of tax planning, understanding how different retirement income strategies align with personal preferences, and avoiding one-size-fits-all approaches when managing retirement assets and income. Listen now to learn more!   Takeaways Surrendering an annuity early can trigger surrender charges, while permanent life insurance policies often take many years before cash value exceeds premiums paid. The death of a spouse can create significant tax challenges because the surviving spouse typically moves from married filing jointly to single tax brackets. Roth conversions can be an effective strategy for reducing future RMD burdens and mitigating the "widow's tax penalty" for a surviving spouse. Direct indexing and tax-loss harvesting allow investors to capture losses while remaining invested, potentially creating future tax benefits and improving after-tax outcomes. Tax-loss harvesting is no longer just for ultra-high-net-worth investors, as technology has made these strategies more accessible and scalable. In IRA accounts, continuing to reinvest dividends during retirement generally remains the simplest and most efficient approach. In taxable brokerage accounts, turning off automatic dividend reinvestment can make rebalancing and distribution planning more tax-efficient. HSA funds can be used tax-free for qualified medical expenses at any age, while after age 65 non-qualified withdrawals avoid the 20% penalty but still incur income tax. Medicare Part B, Part C (Advantage), Part D premiums, and IRMAA surcharges can generally be reimbursed from an HSA, but Medigap premiums cannot. Holding 40% of a retirement portfolio in cash may be excessive when annual withdrawal needs are relatively low, and could indicate a mismatch between an investor's retirement income strategy and personal preferences.   Chapters 00:00 Tax Considerations in Asset Sales 01:57 Understanding Life Insurance and Annuities 04:03 Financial Implications of Spousal Death 06:23 Roth Conversions and Widow's Penalty 07:36 Tax Loss Harvesting Strategies 17:12 Dividend Reinvestment in Retirement Accounts 22:48 Using HSA Distributions for Medical Expenses 25:52 Cash Reserves in Retirement Planning   Links  Looking for a retirement strategy that's actually built for you? Join Alex Murguia on July 1 at 1 PM ET for a FREE Retirement Researcher webinar, Are You Sure Your Retirement Strategy Fits?, where he'll walk through the four major retirement income approaches and show how the RISA® Framework can help you identify the strategy that best aligns with your goals, preferences, and vision for retirement. Register here: retirewithstyle.com/podcast

Keep track of your AEP prep to-do checklist with help from Ritter's certification resources! Listen to find out how to access AHIP, NABIP, carrier MA and PDP certification, product training details, and more! Read the text version   Get Connected:

Another time dilation changes everything. Dinfa, Eabis and Charnak try to put the pieces back together. References: You will be my John G Monty Python two coconut horse Who does number two work for?   Get Bonus Content and More on Patreon: patreon.com/dungeondads   Shop: Dungeon Dads store on TeePublic FanRoll Dice (use code DungeonDads for 10% off!)   Join the Conversation: On Facebook On Instagram On Twitter On Reddit On YouTube   Episode Page: dungeondads.com/episode166

The Friday Five for June 5, 2026: Certification Reminder Pod Rec: Before Breakfast TRICARE Resources for Agents Clover Health Star Ratings 2027 MA and Part D Max Commissions   Get Connected:

In Episode 136 of DC EKG, Joe Grogan hosts Tom Barker, a top drug-pricing attorney at Foley Hoag and former acting general counsel of Health and Human Services (HHS) under the Bush administration. Tom helped implement Medicare Part D and now advises drugmakers and policymakers on complex pricing issues. The episode traces 20 years of policy: what went right with Part D, what the Inflation Reduction Act (IRA) did, and what effective policy should look like.Tom explains that Part D's success rested on three pillars: private plans only, limited government control over benefit design, and a non-interference clause barring the government from intervening in negotiations among plans, pharmacies, and manufacturers. Competition worked and premiums stayed low, until the government asserted more control and weakened those pillars. The IRA, he argues, was a 16-year Democratic effort to repeal non-interference, creating price controls disguised as negotiations.The Trump administration has taken a different tack, focusing not on the IRA but on MFN and Globe Guard models pegged to other developed countries. Tom also breaks down the 340B program, now the country's second-largest expenditure program, and the fight between manufacturers and covered entities over contract pharmacies.His prescription is simple: let competition work. Speed FDA approval of generics and biosimilars, and trust the marketplace over price controls. He points to hepatitis C, where prices fell sharply once competition entered.In This ConversationThe three pillars that made Part D successful for 20 yearsHow non-interference kept government from setting drug pricesThe IRA as a 16-year Democratic push to repeal non-interferenceWhy Tom calls the IRA price controls disguised as negotiationsThe Trump administration's focus on MFN and Globe Guard pricing340B and the battle between manufacturers and covered entitiesThe Chevron repeal's impact on drug pricing lawHRSA's proposed rebate model and ongoing 340B litigationWhy effective policy means competition, not controlsTom's work helping North Korean defectors and refugeesKey Timestamps1:51 Tom's background at HHS and CMS2:30 The three pillars of Part D's success5:10 Why Democrats wanted to repeal non-interference5:55 Ted Kennedy's compromise and bipartisan votes11:38 The IRA as a 16-year repeal attempt12:03 What the IRA changed in Part D15:02 IRA negotiations vs. real negotiations16:25 How the excise tax makes it no real negotiation21:32 Trump's focus on MFN and Globe Guard25:37 340B's history back to 199128:45 340B as the second-biggest expenditure program29:30 Manufacturer vs. covered-entity acrimony33:18 The Chevron repeal's impact on pricing34:54 HRSA's rebate model, the next step on 340B35:40 The lawsuit over "patient" in 340B38:18 Tom's advice: let competition work39:30 Hepatitis C: competition drives prices down40:34 Competition for gene therapies and CRISPR41:36 Tom's work for North Korean defectors44:49 Sponsoring Free North Korea RadioMedicare Part D, drug pricing policy, Inflation Reduction Act, non-interference clause, 340B program, MFN pricing, Globe Guard pricing, pharmacy benefit managers, covered entities, contract pharmacies, biosimilars, generics, federal drug pricing, government price controls, Tom BarkerAbout the GuestTom Barker is a partner at Foley Hoag in Washington, DC, and one of the country's top drug pricing attorneys. He served as acting general counsel of HHS and chief legal officer at CMS under the Bush administration, where he helped implement Part D from its inception. He is now a go-to expert on drug pricing, and helps North Korean defectors navigate US immigration law.Podcast: DC EKG with Joe Grogan Episode: 136 Guest: Tom Barker Sponsor: Survivors for Solutions - https://survivorsforsolutions.org Executive Producer: John "CZ" Czwartacki, DC EKG Podcast Producer: Stay on Course Studios - https://www.stayoncourse.studio

MEDICARE ADVANTAGE MINUTE:                                                           MEDICARE IS INCREASING OVERSIGHT OF MEDICARE ADVANTAGE PLANS; HERE IS WHAT THAT MEANS FOR SENIORS! ACCORDING TO TELOS ACTUARIAL, THE MEDICARE SUPPLEMENT MARKET IS RETURNING TO GROWTH MODE. AS AMERICA GROWS OLDER, TRUMP Rx DELIVERS. ANTHEM/ELEVANCE PLANS TO PENALIZE IN-NETWORK HOSPITALS. DAVID HAS PDP QUESTIONS AFTER SUBMITTING HIS DRUG LIST AS INSTRUCTED AND SEEING NOTHING HAPPENING! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" ....AND A PODCAST! @ DBJ@M4TLM.com W medicareforthelazyman.com T (630) 878-5055   Review Us On Google   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.

This is Part D of D of Undressing Jack the Stripper, an eight part series made in conjunction with the True Crime Enthusiast podcast.From the late 1950s to the mid-1960s, the bodies of eight sex-workers (Elizabeth Figg, Gwynneth Rees, Hannah Tailford, Irene Lockwood, Helen Barthelemy, Mary Fleming, Margaret McGowan and Bridget O'Hara) were found dumped in or near the River Thames in West London.Panic spread that a sadistic serial killer was on the loose who targeted young petite brunettes; stripped and strangled them, dumped each body within weeks and streets of each other. Yet with not a single witness to his crimes, even though several suspects have since been named, with no convictions, it's a series of killing which remains a mystery to this day.After the success of their ten-part series, Psychopath: Two Side of Patrick MacKay, Mike at Murder Mile and Paul at the True Crime Enthusiast join forces once again to bring you an eight-part crossover series about one of Britain's most infamous unsolved serial killing – Jack the Stripper.This episode is about Helen Barthelemy & Mary Fleming.Location: Civil Defence Building, Hornton Street, Kensington, London, W8Date: Wednesday 25th of November 1964 at 1:30pm (body found)Victims: Margaret McGowan Location: Heron Trading Estate in Acton, West London, London, W3Date: Tuesday 16th of February 1965 (body found)Victims: Bridget O'HaraSeven time nominated at the True Crime Awards, Independent Podcast Awards and the British Podcast Awards, Murder Mile is one of the best UK / British true crime podcasts covering only 20 square miles of West London. It is researched, written and performed by Michael of Murder Mile UK True Crime Podcast with the main musical themes written and performed by Erik Stein and Jon Boux of Cult With No Name and additional music, as used under the Creative Commons License 4.0. A full listing of tracks used and a full transcript for each episode is listed here and a legal disclaimer.Sorry, but the ALWAYS TRUE CRIME CROSSOVER at Crossed Wires Festival has been cancelled due to poor ticket sales. You should have received a full refund from your ticket purchaser, but if you have any problems, let me know, and I can try and put you in touch with right people. Sorry for the inconvenience. Follow me on SOCIAL MEDIA · Instagram· FaceBook· ThreadsSUBSCRIBE via PatreonSupport this show http://supporter.acast.com/murdermile. Hosted on Acast. See acast.com/privacy for more information.

This episode features an edited recording of our CMS Final Notice webinar, offering timely insights into 2027 Medicare Advantage and Part D changes. Hear from Via Benefits experts as they break down MA payment updates, funding pressures, and evolving plan design strategies. Learn how CMS policies, Inflation Reduction Act provisions, and rising healthcare costs are shaping both group and individual Medicare markets. The discussion also explores what these changes mean for plan sponsors evaluating retiree benefits and long-term cost management.

Retirement planning extends well beyond simply saving enough during your working years—it plays out with every decision you make once you stop working. One crucial, sometimes overlooked, aspect is managing Required Minimum Distributions (RMDs) from your retirement accounts. If you have a retirement account approaching your RMD age, this episode breaks down the essential rules based on your birth year, how to calculate your distribution using the IRS tables, and key tax implications to keep in mind. You'll also get actionable tips to help minimize your future RMDs, from optimizing your income plan and leveraging Roth conversions to using qualified charitable distributions.    You will want to hear this episode if you are interested in... [00:00] RMD rules and calculations [05:10] RMDs and distribution timing [09:03] Retirement accounts and RMD rules [14:22] Tax strategies for retirement planning [17:00] Common RMD mistakes and solutions [19:21] Proper charitable distribution process   What Are Required Minimum Distributions (RMDs)? RMDs are the minimum amounts you must withdraw annually from certain retirement accounts starting at a specific age, as mandated by the IRS. These distributions apply to traditional IRAs, rollover IRAs, SIMPLE IRAs, SEP IRAs, 401(k)s, 403(b)s, 457 plans, and profit-sharing plans. Importantly, Roth IRAs and Roth 401(k)s are exempt from RMDs, and regular taxable investment accounts are not impacted.   The required age for beginning RMDs now depends on your birth year: If you were born between January 1, 1951, and December 31, 1959, RMDs start at age 73. If born on January 1, 1960, or later, RMDs begin at age 75. Tax Implications of RMDs RMDs are taxed as ordinary income. If you're not careful, withdrawals can bump you into a higher tax bracket, increase how much of your Social Security is taxable, or trigger additional Medicare Part B and Part D premiums due to IRMAA. Failing to withdraw the required amount carries a steep penalty—25%, reduced to 10% if corrected within two years.   Strategies to Lower Your RMDs Don't put all your savings in pre-tax accounts. Split between traditional and Roth accounts or invest some in taxable brokerage accounts, which aren't subject to RMDs. It can be useful to collaborate with a financial advisor to create a withdrawal strategy that minimizes taxes by pulling funds strategically from different account types. You can also convert portions of your pre-tax accounts to Roth IRAs in years when your income (and tax bracket) is lower, helping "fill the bucket" at the lowest rates. If you retire early, delaying Social Security until age 70 increases your benefit and can create years of low taxable income—perfect for executing Roth conversions. If you're 70½ or older, you can also donate up to $100,000 per year directly from your IRA to a qualified charity. These gifts count toward your RMD but are excluded from taxable income.   Enjoying a Comfortable Retirement Navigating RMDs isn't just about following IRS rules—it's an ongoing strategy to keep your taxes low and your retirement income steady. By understanding your obligations and using the available tools, you can maximize your retirement savings and create a more secure future. 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  

Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion – foundational but not the final word – and describing how he’s combining that framework with their retirement income approach for his own long-range planning. (1:08:30) Jim and Chris share a listener’s PSA that Fidelity began offering a Roth self-employed 401(k) in 2025, in response to a question from a recent episode. (1:11:30) One listener pushes back on the idea that Roth conversions only make sense at a lower tax bracket, walking through a math example to show that tax-free compounding can make converting at the same — or even a higher — bracket financially worthwhile. (1:17:45) George has structured his IRA with a testamentary trust for a financially irresponsible adult child and asks whether a “retirement trust”, could allow the trust to receive IRA assets without the compressed tax rates that typically apply to trusts. The post Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621 appeared first on The Retirement and IRA Show.

Systems Of Defense - Part D

In this episode, host Steve Chen sits down with Mark Miller — journalist, author, and retirement expert behind RetirementRevised.com — to unpack the biggest changes hitting Social Security and Medicare right now. Mark shares his personal experience claiming both programs, explains why “later is better” for most Social Security claimants, and breaks down the trust fund depletion risk without the fear-mongering. The conversation covers the real-world impact of DOGE-driven SSA staffing cuts, why traditional Medicare beats Medicare Advantage for most people, the landmark $2,000 Part D out-of-pocket cap, and the quiet Medicare Savings Program rollback buried in the “One Big Beautiful Bill.” Mark's no-nonsense take: understand the rules, claim strategically, and shop your Medicare coverage every single year.

Dominating Faith- Part D

In this episode of Trending Health, we explore how the Inflation Reduction Act (IRA) is reshaping strategy across the life sciences industry.Mindy McGrath is joined by Inizio Ignite colleagues, Scott Briggs and Ethan Johnson, to discuss how manufacturers are responding to Medicare price negotiation, Part D redesign, and increasing pressures on pricing and access.The conversation highlights what has surprised leaders so far, how payer dynamics are evolving, and how companies are rethinking portfolio and lifecycle decisions in a more constrained market.As future negotiation rounds approach, the episode offers a clear view into where organizations are focusing—and what they should be preparing for next.Panel –Mindy McGrath, Scott Briggs, Ethan JohnsonRecording & Editing – Rachel SkoneckiFor additional discussion, please contact us at TrendingHealth.com.

This Minisode was originally uploaded with Episode 332: Cornerfest ‘26 Part D - some of the topics discussed might be outdated. Subscribe to our Patreon to listen and watch the Minisodes as they release every week! http://patreon.com/CHILLUMINATIPODMike Martin - http://www.youtube.com/@themoleculemindset Jesse Cox - http://www.youtube.com/jessecox Alex Faciane - https://www.youtube.com/@StarWarsOldCanonBookClub/Editor: DeanCutty Producer: Hilde @ https://bsky.app/profile/heksen.bsky.social Show Art: Studio Melectro @ http://www.instagram.com/studio_melectro Logo Design: Shawn JPB @ https://twitter.com/JetpackBragginLinksALEX: https://nypost.com/2025/08/10/us-news/mystery-plane-thief-keeps-taking-vintage-plane-for-joyrides-returning-it-repaired/MATHAS: https://news.northeastern.edu/2026/01/07/string-theory-neuron-connections/https://www.cell.com/cell/fulltext/S0092-8674(25)01305-4

In this timely episode of Healthcare Happy Hour, host David Saltzman sits down with NABIP Medicare Advisory Group Chair Chalen Jackson for an in-depth discussion on the 2027 Medicare Advantage and Part D Final Rule, released last week. They break down key policy changes, including updates to Star Ratings and Part D provisions, and what they mean for both beneficiaries and advisors. The conversation also explores evolving market dynamics, expected pressure on plan benefits, and new flexibilities for agents that can improve workflow and client engagement. Chalen highlights how ongoing advocacy efforts helped shape many of these changes and offers practical guidance on how advisors can prepare for another challenging enrollment season.

A surprising payroll report The quick war – not over just yet Food inflation coming Economics – a bright spot and surprising report last week Space issues – Space sewage PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - A surprising payroll report - The quick war - not over just yet - Food inflation coming - Economics - a bright spot and surprising report last week - Space issues - Space sewage - 8PM - End of Civilization? Markets - March sucked - that is the report - 1st quarter results are in - we will discuss - OIL - UP - WTI and Brent rising - its only transitory - Market Manipulation - say it ain't so! Oil - Interesting note that WTI is trading higher than Brent - unusual - WTI ~ $116  Brent ~ $109 - Brent for immediate delivery in Asia $140 as being bid up for purchase NOW - WTI may have an edge because it is available and buyers also stocking up on that... - Europe running out of Jet Fuel - USA sending over a supply - also unusual BUT - 8PM ET - End of Civilization? - Or last minute miracle - with mystery negotiations - Pakistan requesting 2 week pause - with movement of ships through Strait - YES, we have a 2-week pause - no kidding! Crude down 15%, market indices up 2% ---- Wait - Negotiations will start Friday... (Friday?) In Process - In Theory - Framework - OPEC+ agrees in principal theoretical framework to increase output - OPEC+ eight members to raise quotas by 206,000 bpd for May Apple Foldable Flop - Apple shares sunk 2% after reports that the company's foldable iPhones may face delays. - Nikkei Asia reported that the company is facing engineering challenges in what would be the iPhone-maker's first foldable device. - Engineering problems they say.... Closing this Discussion - Bored with this....But... - OpenAI announced it closed its record-breaking funding round at a post-money valuation of $852 billion. - The round totaled $122 billion of committed capital, up from the $110 billion figure that the company previously announced. - OpenAI said it extended participation to investors through bank channels for the first time and raised $3 billion from individual investors. The 1st Quarter Misery - Microsoft lost almost a quarter of its value in the first three months of the year, its steepest quarterly drop since the 2008 financial crisis. - Concerns about the company include the return on investment for artificial intelligence build-outs and the adoption of Copilot. - The company's stock plunged 23% in the first quarter, a steeper drop than any of its tech peers or the Nasdaq, - Microsoft's earnings multiple hasn't been this low since the fourth quarter of 2022, when OpenAI introduced ChatGPT. - SAAS compaies got crushed - Adobe, Atlassian and ServiceNow all down more than 30% YTD - Financials, Consumer Discretionary and Homebuilders had tough quarter 1st Quarter Happiness - Energy Sector up 30% - Materials up 10% - Utilities up 10% - Oil up almost 100% - EM still positive for 2026 Latest Eco - Nonfarm payrolls rose a seasonally adjusted 178,000 in March, a reversal from the 133,000 decline in February and better than the Dow Jones consensus estimate for 59,000. - The unemployment rate edged lower to 4.3%, though that was largely from a sharp reduction in the labor force. - Wages also rose less than expected, with average hourly earnings up just 0.2% for the month and 3.5% from a year ago. The annual increase was the lowest since May 2021. -Health care was responsible for much of the growth, with the sector adding 76,000 jobs. - March ISM Non-Manufacturing Index 54.0% vs. 54.9% Briefing.com consensus; prior 56.1% - - Overall, there is not much going on good or bad - just the same in US Economics ------ Next couple of months will show inflationary pressures Inflation - Tomatoes, strawberries, asparagus, veggies in general are moving higher - - - Tomato prices are rising, with significant increases driven by a 17%–21% tariff on Mexican imports, labor shortages, and supply tightening - Experts warn these factors could increase prices by up to 50% for consumers, especially during winter months, and recent reports indicate continued shortages and high costs through early April 2026 - Florida frost in Q1 and now UREA shortages during spring planing will cause even more problems and pricing pressure (inflationary) No View - Satellite imaging firm Planet Labs said on Saturday it will indefinitely withhold visuals of Iran and the region of conflict in the Middle East to comply with a request from the U.S. government. - Planet Labs will release images only on case-by-case basis for urgent or public interest needs - Satellite imagery of hard-to-reach areas useful for news media, researchers - Other providers like Vantor apply their own controls but were not contacted by U.S. government - Interesting potential for an edge in war if we can see them and they and they can't see us Dems probing stock trades - Two Democratic U.S. senators on Thursday called on Wall Street's top regulator and a Defense Department watchdog to prevent and investigate possible insider trading by government officials following a spate of market activity seemingly timed to President Donald Trump's announcements. - Reuters and others have reported that major moves over the last year in equity, commodities and prediction markets are consistent with the possibility that traders had advance knowledge of Trump's announcements concerning the war with Iran, tariffs and the capture of Venezuelan leader Nicolas Maduro, among other examples. - Repubs only care if Pelosi does trades and Dems only care if Trump related trades The Final Frontier - The Universal Waste Management System toilet on the Orion crew capsule has been giving the Artemis II crew some issues during their mission to the moon. - The toilet's problems included a pump that needed extra water to work and a potential buildup of ice blocking the vent nozzle that allows wastewater to drain out into space. --- For a while there was no urination allowed only space poops since on different disposal systems - NASA was able to fix the issue by positioning the Orion so that the toilet vent would "bake" in the sun and melt the ice, and the crew is now cleared to use the toilet for all purposes. ---More: The UWMS comes equipped with a funnel and hose for urination, and there is a seat with a hole for bowel movements. -------Since the astronauts are in microgravity, the toilet relies on air flow that pulls waste into the toilet and ensures the capsule stays clean. -------------The astronauts can also use footstraps and handles to stay in position. Earnings Season - Analysts have been increasing their earning estimates into the quarter - which is unusual as usually see declines into the prints (so that companies have easier hurdle) - The S&P 500 is expected to deliver 13.2% year-over-year earnings growth, marking a sixth straight quarter of double-digit gains. - Revenue is expected to grow 9.7%, the strongest pace since Q3 2022. - But what about the outlook????????????????? Mag 7 Earnings expectations - Of course The Magnificent 7 remain central to earnings growth and market direction. Nvidia (~127.7%) and Tesla (~124.9%) are driving outsized earnings expansion. Apple (~19.0%) and Microsoft (~17.2%) show solid but more normalized growth. Meta (~3.4%) and Amazon (~3.2%) are slowing, while Alphabet (~-6.9%) is expected to decline. Growth within mega-cap tech is becoming less broad and more concentrated in a few names. Just In - Remember in January with Medicare Advantage and Part D payment plans from governments were being cut? - Insurance company stocks got smacked... - Expectations were for a 4% or so raise and it came in flat - ON DHUNPLUGGED - (1/27/2026) we discussed that this was a game and would come back when finalized inline with expectations  to show how great the benefit is to Medicare recipients (voters) ---- We added United HealthCare (UNH) to the Weekly Stock Pick game as a rare Purple pick - Now, final numbers announced and  are projected to result in a net average increase of 2.48%, or over $13 billion in additional MA payments to plans in CY 2027. This expected increase includes consideration of the various elements that impact MA payments, such as growth rates of underlying costs, 2026 Star Ratings for 2027 quality bonus payments, and risk adjustment updates. - UNH and other names int he sector moving up nicely on the news - (Potential related stocks: UNH, CVS, MCK, CI, HUM, CNC, ALHC, MOH, ELV, THC, UHS, CYH, HCA, OSCR) France Gold - France's central bank has sold off the last of the gold it held in the United States Federal Reserve and replaced it with higher quality bars in Paris, taking advantage of rising prices to make nearly €13 billion as it upgrades its holdings. - Moved all holding back to France   Love the Show? Then how about a Donation? ANNOUNCING THE CLOSEST TO THE PIN for NETGEAR Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter