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Lighthearted Medicare advice and opinions from longtime expert Douglas B. Jones, CLU, RHU. Drawn from his book: Medicare for the Lazy Man (an Amazon best seller), Doug's advice provides a simple road map to the best Medicare insurance protection available on the market today!
Episodes
51 minutes ago
51 minutes ago
MEDICARE ADVANTAGE MINUTE: "DENY, DENY, DENY!" BY REJECTING CLAIMS MA PLANS THREATEN RURAL HOSPITALS AND PATIENTS!
YOUR MEDICARE BENEFITS 2025: WALKERS
Next item is lists of states with the highest percentage and the lowest percentage of new Medicare participants selecting Medicare supplement plans.
On a trip to Hawaii in 2000 I learned that the state is likely to be closed to new insurance companies since the approval committee consists entirely of existing insurance companies.
In correspondence with current clients, we heard from:
TOM: Noticed a $91 drug plan premium. Since he gets most of his drugs through the VA, he could dodge the IRMAA penalty by dropping his drug plan.
LM: The husband likes to track his Medicare claim activity on the Medicare supplement company website. A recent glitch has taken down that function and she was hoping to see it return quickly..
The bottom line is that each insurance company has irritating qualities that are difficult to cope with but impossible to fix.
The episode ended with a rousing Christmas Quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
3 days ago
3 days ago
MEDICARE ADVANTAGE MINUTE: THE NINE DISADVANTAGES OF MEDICARE ADVANTAGE
YOUR MEDICARE BENEFITS 2025: VIRTUAL CHECK-INS
Wrapped up the episode with a festive Christmas quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
6 days ago
6 days ago
MEDICARE ADVANTAGE MINUTE: WATCH OUT FOR THE "MEDIGAP TRAP"
YOUR MEDICARE BENEFIT 2025: URGENTLY NEEDED CARE
OBAMACARE: the parties are preparing to wrestle over the imploding health insurance plans we have been stuck with for 15 years. The Dems want to keep it limping along as the next step towards socialized health insurance while the Republicans want to begin a trend toward privatization via establishment of Health Savings Accounts (HSAS).
Norb writes to share the advice he got from a local Bay Area Medicare broker who made up some crap about HDG resulting in claim problems as the insured's age. I explained that was not true and used my personal experience as proof. Epilogue: He decided to ignore me and purchase the expensive Plan G rather than my recommended High Deductible Plan G.
The episode, which began with sports trivia ends with a rousing series of Christmas trivia questions.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Tuesday Dec 16, 2025
Tuesday Dec 16, 2025
MEDICARE ADVANTAGE MINUTE: Medicare vs. Medicare Advantage: Ill Health often Leads to a Plan Switch
YOUR MEDICARE BENEFIT 2025: Travel Outside the USA
Correspondence from Anita in Fountain Hills, AZ: She has Medicare supplement Plan G but wants to consider switching to High Deductible Plan G. After some thought she...
What's the deal with Long Covid anyway? We take a somewhat closer look to see if there is any sign of hope on the horizon.
Finally, we close out the episode with a Christmas Quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Monday Dec 15, 2025
Monday Dec 15, 2025
MEDICARE ADVANTAGE MINUTE: JUDGE SIDES WITH HUMANA; TOSSES OUT MEDICARE ADVANTAGE AUDIT RULE. FAILS TO RECOVER $4.7 BILLION IN GOVERNMENT OVERPAYMENTS TO INSURANCE PLANS.
YOUR MEDICARE BENEFIT 2025: TRANSITIONAL CARE MANAGEMENT PROGRAMS.
Analysis of the typical situation when it comes to rate increases on Medicare supplement plans. A person paying the high Plan G premium is likely to receive larger and more frequent rate increases, in this case a 25% increase. On the other end of the spectrum, a smart purchaser of a High Deductible Plan G with a relatively small premium is is given a rate increase of only 6.75%.
Article: With Medicare premiums set to rise, is Medicare supplement going to be worth it?
Toni King reads a letter from a disappointed reader and winds up advising him to investigate biosimilar medications.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Friday Dec 12, 2025
Friday Dec 12, 2025
MEDICARE ADVANTAGE MINUTE: WHY MA CONTRACT NEGOTIATIONS ARE GETTING HEATED
YOUR MEDICARE BENEFITS 2025: TRACTION EQUIPMENT
Close friend Marlene figured out how to send me a lively online discussion regarding the new Medicare experiment with Prior Authorization. She saw my repeated warnings in some of these online comments.
Full disclosure mandated that I read an AI generated list of the exact procedures included within this five year trial program.
New client Cal had an unusual introduction to MLM enrollment service. The state of Nebraska, an unfamiliar insurance company and some careless errors conspired to create a less than smooth introduction to my normally stellar client service!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Tuesday Dec 09, 2025
Tuesday Dec 09, 2025
MEDICARE ADVANTAGE MINUTE: Payors Continue to Predict MA Marketplace Enrollment Losses
YOUR MEDICARE BENEFITS 2025: Therapeutic shoes or inserts
A review of the magnificent extravaganza that was Toni King's "Confused By Medicare" webinar! I wish she hadn't made up a B.S. story about the Internet crashing and causing her presentation to crash!
The question: How successful is the attempt to substitute Plan N for Plan G in order to keep the prices high and to keep sales commissions flowing? The answer is above.
Several clients have recently become disgruntled with Plan N rate increases. They have selected High Deductible Plan G as a superior alternative.
After that their spouses took note and requested to switch from Plan N to HDG as well!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Sunday Dec 07, 2025
Sunday Dec 07, 2025
MEDICARE ADVANTAGE MINUTE: MA plans may limit radiation treatment options for cancer; increase the cost & duration of car!
YOUR MEDICARE BENEFITS 2025: Telehealth
Major work has begun on "Medicare for the Lazy Man 2026". This is the most difficult time of year to find free time for more than one project but I am forging ahead!
And finally, a light review of some of the 2026 Medicare premiums and deductibles. More to come!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Thursday Dec 04, 2025
Thursday Dec 04, 2025
MEDICARE ADVANTAGE MINUTE: MA plan member satisfaction facing headwinds!
YOUR MEDICARE BENEFITS 2025: TDAP (Tetanus, Diphtheria and Pertussis) shots
Advice from Diane Omdahl: Review your drug plan in case the government plan finder "glitches".
Correspondence:
Peter wants to know whether he should consider changing from HDG to Plan G. This is not something I usually recommend.
Fr. David takes no prescription drugs but has been paying through the nose for an expensive Part D drug plan. What should he do?
Ray has more questions about how to ensure that he has the best PDP (Prescription Drug Plan) next year.
Finally, we review a Gallup pole listing the states from highest to lowest for cost & availability of medical treatment.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.
Wednesday Dec 03, 2025
Wednesday Dec 03, 2025
MEDICARE ADVANTAGE MINUTE: Are Medicare Advantage's glory days over? Some think so!
YOUR MEDICARE BENEFITS 2025: Swing bed services
How about some obesity drugs? Thanks to Trump, Medicare will cover weight loss medications for the first time in history. Obesity drugs will be covered for as little as $50.
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
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.