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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
Thursday Oct 31, 2024
Thursday Oct 31, 2024
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; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Tuesday Oct 29, 2024
Tuesday Oct 29, 2024
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@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Sunday Oct 27, 2024
Sunday Oct 27, 2024
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 healthy.
Y'all come on over and join us, everyone!
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Thursday Oct 24, 2024
Thursday Oct 24, 2024
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@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Wednesday Oct 23, 2024
Wednesday Oct 23, 2024
Jones family trips had plenty of room for improvement!
Headline encountered in the Medicare Advantage Minute:
MA Plans Propose Cuts While Continuing to Maximize Overpayments!
The Wikipedia page for Medicare details some of the changes in the program wrought by Obamacare.
Tom wrote to ask if there would be an MLM 2025 edition. When he was assured there would be, he decided to spend his time listening to podcast episodes until that book hits the store shelves.
Finally, large pharmacy chains are having profitability problems and will likely shrink the number of stores in their brands.
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Sunday Oct 20, 2024
Sunday Oct 20, 2024
After a short time in MA, almost all of those desiring to escape to Medicare with a supplement must show evidence of good health.
If they cannot satisfy the underwriters, they cannot enjoy the freedom of traditional Medicare with a supplement.
An esteemed client in Colorado insisted on purchasing Plan G when I advised him to opt for HDG. His Plan G started at around $157 but here he is later at $210 looking at a 15% rate increase next month.
If he had HDG there would have been no rate increase at all. Told ya so!
Finally, tragedy strikes a new Jersey town, filling local residents with sadness & grief: the Dominick Reginas are pulling up stakes and heading south to Georgia.
In the Wikipedia listing for Medicare we learn more about the burdens Obamacare has placed on the government health insurance plan.
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Friday Oct 18, 2024
Friday Oct 18, 2024
If your agent doesn't perform a scientific search for the best Part D drug plan for you, don't believe his recommendations!
Wellcare plan cost $0 while a Humana plan cost $1,760!
Same guy, same generic drug, same little town in Missouri produced dramatically different results:
In the Medicare Advantage Minute, some insurance companies say they are "shrugging off the headwinds" of the current MA turmoil that has the big firms dropping hundreds of thousands of current clients!
Wikipedia page "Medicare" discusses the ACA (Obamacare) in very sterile terms.
How are injections covered under Medicare?
Finally, the story of two new MLM clients:
One is a renowned Medical doctor whose MA plan refused his prior authorization request then booted him out.
The other wonders whether her husband should stay on her employer plan or should he get the boot?
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Tuesday Oct 15, 2024
Tuesday Oct 15, 2024
In the Medicare Advantage Minute we learn about a survey: 50% do not know the difference between original Medicare and MA plans.
Wikipedia page on "Medicare" addresses legislation and reforms.
Next we present a couple of sad stories illustrating the fact that, while the VA can be a valuable health resource, veterans should not avoid enrolling in Medicare and a supplement.
Finally, one political party is attempting to spend $20 billion in an effort to dodge the ire of Medicare participants as their misguided edicts dramatically increase the pressure on drug plans!
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Monday Oct 14, 2024
Monday Oct 14, 2024
Medicare Advantage Minute article: Changing to a Medicate Advantage plan can be stressful!
Medicare Wikipedia page: Hospital accreditation and where the cost of residency training comes from.
Finally, enjoy some interesting correspondence and questions submitted by prospects and actual clients.
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.
Thursday Oct 10, 2024
Thursday Oct 10, 2024
The entire episode is a discussion of the process for selecting the best Part D prescription drug plan (PDP) for you.
Master this skill without any annoying insurance agents pestering you.
Contact me at: DBJ@MLMMailbag.com
(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: https://www.MedicareForTheLazyMan.com.