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Hard to believe in these inflationary times: My recommended plan HDG (known as G+ in New York) is the only plan in its family not being forced to endure a rate increase. Shocking: Financial analyst de…

Hard to believe in t…

Hard to believe in these inflationary times: My recommended plan HDG (known as G+ in New York) is the only plan in its family not being forced to endure a rate increase. Shocking: Financial analyst describes the damage to Humana caused by a government rating reduction. The company is described as "reeling"! M has her choice of Part D prescription drug plans: After a scientific search, her agent advises a Wellcare plan that will cost $60 all year. Her dopey friend suggests a Humana plan at $4000. Finally, a valued client moves to Washington State. She finds a cheaper company we don't have a con…

Source: https://www.podbean.com/eau/pb-dr379-176e38bMedicare MSA is alive and well in Wisconsin, just waiting for the right people to come along: Those who will fail Medicare supplement underwriting…

Source: https://www.…

Source: https://www.podbean.com/eau/pb-dr379-176e38bMedicare MSA is alive and well in Wisconsin, just waiting for the right people to come along: Those who will fail Medicare supplement underwriting, those who want a $0 Medicare plan that will pay them cash each year, frequent travelers willing to trade a high deductible for $0 premium....only in Wisconsin! MA Minute: Providers are fed up with Medicare Advantage! When you acquire a Medicare supplement from, let's say Bob's Storm Door and Supplement  Company,  don't ask the office clerk "Do you accept Bob's Insurance"? She'll say,…

Medicare MSA is alive and well in Wisconsin, just waiting for the right people to come along: Those who will fail Medicare supplement underwriting, those who want a $0 Medicare plan that will pay them…

Medicare MSA is aliv…

Medicare MSA is alive and well in Wisconsin, just waiting for the right people to come along: Those who will fail Medicare supplement underwriting, those who want a $0 Medicare plan that will pay them cash each year, frequent travelers willing to trade a high deductible for $0 premium....only in Wisconsin! MA Minute: Providers are fed up with Medicare Advantage! When you acquire a Medicare supplement from, let's say Bob's Storm Door and Supplement  Company,  don't ask the office clerk "Do you accept Bob's Insurance"? She'll say, No, we don't" without even thinking. Aetna Medicare Advantage p…

FYI, if you take expensive prescription meds, 2025 will bring a $2000 limit on out-of-pocket cost sharing for covered drugs. This failed attempt to buy votes in the recent election has left behind a t…

FYI, if you take exp…

FYI, if you take expensive prescription meds, 2025 will bring a $2000 limit on out-of-pocket cost sharing for covered drugs. This failed attempt to buy votes in the recent election has left behind a trail of unintended consequences and unanticipated turmoil. Mr. Young pays another visit to the podcast to ask how this new limit is likely to work with his prescriptions for Otezla and Skyrizi. My speculation is that the Feds will find a way to mess it up. In the Medicare Advantage Minute: "The sickest patients are fleeing private Medicare plans, costing taxpayers billions!" MA plans do not like s…

It is absolutely moronic to pick a Part D prescription drug plan by recommendation from friends, neighbors or Facebook prowlers. There is only one way to identify the "best" (cheapest) plan:      �…

It is absolutely mor…

It is absolutely moronic to pick a Part D prescription drug plan by recommendation from friends, neighbors or Facebook prowlers. There is only one way to identify the "best" (cheapest) plan:                         A scientific search by an experienced expert. OTHER QUESTIONS ADDRESSED IN THIS EPISODE: MA Minute:       What might Trump's 2nd term mean for Medicare Advantage plans? Diane is new to Medicare: she has six rapid-fire questions! Joel wants to know if he is crazy: He wants to use Form SSA-44 to appeal the imposition of IRMAA on a recent retiree. No he is not!! Finally…

In out "Medicare Advantage Minute" the question is posed. "Is Medicare Advantage a good deal for enrollees?" We are nudged to spend some time on correspondence from clients and potential clients. For …

In out "Medicare Adv…

In out "Medicare Advantage Minute" the question is posed. "Is Medicare Advantage a good deal for enrollees?" We are nudged to spend some time on correspondence from clients and potential clients. For instance A wife charged with guiding her husband through Medicare enrollment has questions. For instance, exactly what does the term "creditable" signify? Finally, we salute original listener and friend of the podcast Dominick Regina who sent his brother-in-law to MLM for professional Medicare guidance.   

1,000,000+ Patients are likely to lose their Advantage plan providers! As more doctors and hospitals refuse to accept patients with Medicare Advantage insurance, those victims will have increasing dif…

1,000,000+ Patients …

1,000,000+ Patients are likely to lose their Advantage plan providers! As more doctors and hospitals refuse to accept patients with Medicare Advantage insurance, those victims will have increasing difficulty finding convenient and reasonably priced treatment options.  The Medicare Advantage Minute: "Lessons from the 1990s". As pressure on MA plans builds, the author of this article suggests that there are things to be learned from the early days of managed care Medicare plans. Client correspondence: a New Yorker writes in to ask how he might cut down on his Medicare supplement expenses. Plan …

Tales of two mothers: One, age 96, has a daughter that fell victim to Medicare Advantage Zombies; she was duped into offering up her mother as a sacrificial lamb. The other was recently widowed with n…

Tales of two mothers…

Tales of two mothers: One, age 96, has a daughter that fell victim to Medicare Advantage Zombies; she was duped into offering up her mother as a sacrificial lamb. The other was recently widowed with nobody but her insurance agent to guide her.  Fortunately, each story has a happy ending. Finally, in the Medicare Advantage Minute, someone suggests that MA plans be contracted for longer periods, like two or three years. At the end of this fairy tale, I explain in detail why this seemingly innocent idea should never be allowed to  see the light of day. Contact me at: DBJ@MLMMailbag.com (Most se…

Wake up! Time is running out to select a better drug plan for next year. Did your ANOC predict unpleasant changes for the plan you have? In the Medicare Advantage Minute we learn about one health syst…

Wake up! Time is run…

Wake up! Time is running out to select a better drug plan for next year. Did your ANOC predict unpleasant changes for the plan you have? In the Medicare Advantage Minute we learn about one health system's secret to Medicare Advantage success! Medicare enrollment period scams are plentiful this year, including a "smishing" expedition! Finally, enjoy our tutorial about SOAs (Scopes of Appointment). 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 …

Hello Baby Boomers, it's great to make your acquaintance! We are very happy to have been invited to join you on:        BABYBOOMER.ORG. If anyone needs me, I'll be browsing all of the interesting …

Hello Baby Boomers, …

Hello Baby Boomers, it's great to make your acquaintance! We are very happy to have been invited to join you on:        BABYBOOMER.ORG. If anyone needs me, I'll be browsing all of the interesting content over on the very busy site at BABYBOOMER.ORG. In the Medicare Advantage Minute today, we take a peek into the future with an article entitled: "The Great Disruption Coming for Medicare Advantage!" Finally, meet the likely new head honcho at the CMS: Dr. Oz! Are we happy to see pro-Trump doctor appointed to head up an important government department? Yes we are! Is there some very serious c…

We deliver cogent reasons to Darrell, explaining that High Deductible Plan G is the greatest! Jim & Jill ask when it would be wise to consider changing Medicare supplement insurance companies. In …

We deliver cogent re…

We deliver cogent reasons to Darrell, explaining that High Deductible Plan G is the greatest! Jim & Jill ask when it would be wise to consider changing Medicare supplement insurance companies. In an article headed by a photo of maniacally grinning ladies at the bowling alley, we get to hear some hints about looking for a new drug plan for next years. In the Medicare Advantage Minute, the question is "Can MA be a good deal for its participants? (Hint: Randy says "No chance!") Most important, we welcome another McMillin into the English speaking world: Little Henry was born after 9:00 PM and…

A conservative podcaster's mother is suffering at home with substandard Hospice care. Little Joe's Conservative Corner blames "the system" but I wonder if the real problem might be a substandard Medic…

A conservative podca…

A conservative podcaster's mother is suffering at home with substandard hospice care. Little Joe's Conservative Corner blames "the system" but I wonder if the real problem might be a substandard Medicare Advantage plan. If I find out, I will report back to the audience. Recently widowed Niki wants to know if she has any recommended insurance tasks, now that her husband, my friend, has died.  Finally, Randall wants to know how Part D drug plans can stay in business while charging $0 premium each month. Randall, you silly goose! The taxpayers are being drained to pay for this government boondog…

Minnesota client Michael is starting to regret purchasing expensive Plan G for maximum Medicare health insurance protection. As his long-suffering agent predicted. Michael is weary of paying for Cadil…

Minnesota client Mic…

Minnesota client Michael is starting to regret purchasing expensive Plan G for maximum Medicare health insurance protection. As his long-suffering agent predicted. Michael is weary of paying for Cadillac insurance when HDG works so well for so much less! The Medicare Advantage Minute sees Independence BC/BS contending with "Election Anxiety" and using extraordinary measures to "get their story out". Is their "story" really worth hearing? Disappointments in the course of business for an Medicare insurance agent: Frank & Mrs. Frank partake of an agent's professional services. When the agent …

Medicare Advantage plans objected to the investigation of their massive overpayments, according to a report. The government just dropped the case without so much as a whimper. In other news, 2025 CPI-…

Medicare Advantage p…

Medicare Advantage plans objected to the investigation of their massive overpayments, according to a report. The government just dropped the case without so much as a whimper. In other news, 2025 CPI-boosted changes to Medicare coverage were announced. They could have been worse! New Yorkers rejoice! Globe Life of NY announced 2025 rates, all of which were increased EXCEPT for High Deductible Plan G. Go figure! For quality and cost, HDG is still the best Medicare Supplement deal in New York (and everywhere else)! Finally, Timothy receives confirmation in 5 areas of thought about his new Part D…

If an agent does not or cannot perform a proper search for the best prescription drug plan, the insured may be forced to waste Money all year. In the Medicare Advantage Minute, we learn that in some c…

If an agent does not…

If an agent does not or cannot perform a proper search for the best prescription drug plan, the insured may be forced to waste money all year. In the Medicare Advantage Minute, we learn that in some cases MA members have higher expectations. How top rated insurance companies respond to these expectations. Finally, we encourage victims of IRMAA to download form SSA-44 in order to file an appeal. (Most severe critic: A+)   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:…

Our main article states "Election outcome could bring big changes to Medicare". Each candidate accuses the other of supporting actions that will cause suffering and damage to the Medicare program. Ano…

Our main article sta…

Our main article states "Election outcome could bring big changes to Medicare". Each candidate accuses the other of supporting actions that will cause suffering and damage to the Medicare program. Another article from the other side of the aisle: Trump's Whitehouse return poised to tangle healthcare safety net. The episode begins with a report on the shrinking service areas of some Medicare Advantage companies, including Humana who is retreating from 13 counties holding 560,000 members! (Most severe critic: A+)   Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" o…

Listen to the end for some Social Security talk! We go through a series of Social Security myths assembled by AMAC.org. Also noteworthy: Humana settles a whistleblower suit claiming fraud in billing t…

Listen to the end fo…

Listen to the end for some Social Security talk! We go through a series of Social Security myths assembled by AMAC.org. Also noteworthy: Humana settles a whistleblower suit claiming fraud in billing the government for drug plan administration. The settlement amount: $90,000,000. We have correspondence from clients. One is only worried about getting a plan that will cover one of those expensive "O" drugs. The other is concerned that buying the least costly drug plan might sacrifice catastrophic drug protection should that ever be needed. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+…

If your agent doesn't know or doesn't care, you could wind up with a very expensive Part D prescription drug plan. Medicare Advantage Minute: 500,000 Americans are about to lose their plans in 2025. P…

If your agent doesn'…

If your agent doesn't know or doesn't care, you could wind up with a very expensive Part D prescription drug plan. Medicare Advantage Minute: 500,000 Americans are about to lose their plans in 2025. Perplexity.AI has some very nice things to say about Yours Truly as well as Medicare for the Lazy Man 2024! Finally, a valued client and man of the cloth in Missouri was almost taken to the cleaners by his drug plan. Lulled into a sense of security and inactivity, his plan was preparing to jack his monthly premium sky high!  Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)   Inspired b…