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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…

Thanks to the government for squeezing insulin makers to give away their product below cost. Many plans are dropping one or more types. In the Medicare Advantage Minute, we hear that the battles betwe…

Thanks to the govern…

Thanks to the government for squeezing insulin makers to give away their product below cost. Many plans are dropping one or more types. In the Medicare Advantage Minute, we hear that the battles between hospitals and insurance companies are predicted to grow. This episode's visit to the Medicare Wikipedia page will be the last! The subject for this final visit is the effort to add dental and vision as official Medicare benefits. More bad news for Medicare Advantage members: Trinity Health looks like it may be parting company with CVS's Aetna insurance company. Client correspondence includes a …

The short answer: If you can't predict exactly what drugs you are likely to need, picking a better plan will be a shot in the dark.  Switch to a more expensive Medicare supplement? That would likely …

The short answer: If…

The short answer: If you can't predict exactly what drugs you are likely to need, picking a better plan will be a shot in the dark.  Switch to a more expensive Medicare supplement? That would likely be counterproductive: HDG premium savings offset the out-of-pocket costs and save big bucks during healthier times.   Medicare Advantage Minute: hundreds of thousands are going to be thrown off their plans by financially stressed insurance companies. The Medicare Wikipedia page discusses proposed limitations on Medicare supplement plans and whether they might not be effective. Finally, our favor…

Those who don't know about Medicare for the Lazy Man can be duped. If the agent is new or not trained, he won't know how to properly search for the best drug plan for you. Medicare Advantage Minute: O…

Those who don't know…

Those who don't know about Medicare for the Lazy Man can be duped. If the agent is new or not trained, he won't know how to properly search for the best drug plan for you. Medicare Advantage Minute: One plan in Missouri has been ordered by the government to stop enrolling new clients. Their infraction? Showing too much profit. Welcome to America! "Perverse incentive theory": according to Wikipedia, Medicare supplement plans encourage overutilization of medical services and drive up Medicare costs when the benefits are too generous. Finally, MLM Podcast fan Linda has done some research on behal…

This might explain why Medicare Advantage plans are losing their support. More former supporters from each side of the aisle are wavering. The Wikipedia entry for Medicare makes the point that the pub…

This might explain w…

This might explain why Medicare Advantage plans are losing their support. More former supporters from each side of the aisle are wavering. The Wikipedia entry for Medicare makes the point that the public expresses more support for government programs that are universal than those that are means tested. MD Anderson, in Houston, has failed to come to agreement and will not remain in Medicare Advantage networks of the Texas Blues. Thanks to a security breach and the evil HIPPA legislation, about one million Medicare participants will be getting new cards with new identifiers (numbers). Finally, I…

In the Medicare Advantage Minute segment, we learn that 23 health systems (as of the publishing date) are refusing to accept MA plans for reimbursement in 2025. The Wikipedia page about Medicare discu…

In the Medicare Adva…

In the Medicare Advantage Minute segment, we learn that 23 health systems (as of the publishing date) are refusing to accept MA plans for reimbursement in 2025. The Wikipedia page about Medicare discusses the possibility and ramifications of reforming care for "Dual Eligibles", those who are eligible for both Medicare and Medicaid. Finally, choosing the best prescription drug plan for an individual on Medicare involves following some rules and adhering to some important principles. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)   Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simp…

More recently, CVS fired another CEO who they just finished paying $21,000,000. What's wrong with this picture? The Medicare page of Wikipedia describes the Federal government negotiating the prices o…

More recently, CVS f…

More recently, CVS fired another CEO who they just finished paying $21,000,000. What's wrong with this picture? The Medicare page of Wikipedia describes the Federal government negotiating the prices of prescription drugs. In my opinion the government doesn't negotiate; they dictate! Toni (with an "i") advises a heart patient to dump COBRA ASAP and enroll in Medicare with a supplement for the best insurance protection. Finally, esteemed client Bob sets a great example for all of us. He read his ANOC and learned that his current drug plan will perform well for him next year. Contact me at: DBJ@M…

Many new, naive agents have not been taught the scientific way to save clients a great deal of money by choosing the best Part D drug plan! Medicare Advantage Minute: "Where health systems are going w…

Many new, naive agen…

Many new, naive agents have not been taught the scientific way to save clients a great deal of money by choosing the best Part D drug plan! Medicare Advantage Minute: "Where health systems are going wrong with MA" turns out to be a promotion of the basic, very silly theories behind HMO plans. Wikipedia's Medicare page explores the projected savings vs. costs of changing the eligibility age of Medicare.  Finally, what are some of the characteristics of those who have Medicare supplements rather than Medicare Advantage? Med supp holders are more likely to be: white, more prosperous and more hea…

A recent survey of health system CFOs revealed that it is becoming even more difficult to collect reimbursement payments due from patients insured by Medicare Advantage plans. Wikipedia page "Medicare…

A recent survey of h…

A recent survey of health system CFOs revealed that it is becoming even more difficult to collect reimbursement payments due from patients insured by Medicare Advantage plans. Wikipedia page "Medicare" explores several ideas for procedures that might reduce the burden Medicare places on the US treasury. One of the theories is called the "Premium Support" model. Enjoy a list of four things to know about drug plan changes in 2025. Finally, if your agent fails to do a thorough search of all drug plans available to you, the out-of-pocket cost might just be shocking!   Contact me at: DBJ@MLMMailba…