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 discovers the misguided insurance company charges a premium of 6% over a DIY enrollment, he discloses this to the clients. Frank decided to grab the 6% and leave the hard-working agent in his rearview mirror! Kathy professes confusion even AFTER reading an excellent book on the subject. Within a few  days she had been snatched away by evil trolls! Michael professed a need for dental insurance so his agent provided links to three high-quality options. Months later, Michael professed a need for dental insurance so his agent provided links to three high-quality options. Have you ever seen the movie "Groundhog Day"?   Contact me at: [email protected] (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.

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 drug plan selection. Contact me at: [email protected] (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.

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: https://www.MedicareForTheLazyMan.com.

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!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

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: [email protected] (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.

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: [email protected] (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.

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 plea for help from a Florida pediatrician who needs guidance in starting his Medicare enrollment. He wants to know where to start? Finally, Stuart writes to express his and Francine's thanks to MLM for having suggested such ideal insurance plans for them. I'll take it!  Contact me at: [email protected] (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.

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 favorite non-insurance selling Medicare advisor Diane Omdahl draws a connection between government price controls and a reduced insulin availability. Contact me at: [email protected] (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.

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 behalf of her husband. They both kind of like plans from Blue Cross/Blue Shield for him but after seeing what MLM has to offer, they purchase excellent insurance at much less cost. Contact me at: [email protected] (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.

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 was able to view graphs illustrating the dramatic effect that inflation has had on the premium rates of Plans G and N. Too bad those poor victims weren't enrolled in the High Deductible Plan G (HDG) plans touted by Medicare for the Lazy Man!   Contact me at: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

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: [email protected] (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.

Medicare Advantage Minute consists of an article decrying the increase in prior authorization denials. Of 46 million prior authorization requests, over 3 million (7+%) were denied in 2022. "Medicare" on the Wikipedia page discusses criticisms of Medicare and the principles behind having participants of various ages contribute to the cost of the program. Finally several clients write in with questions related to drug plans and Medicare supplement plans offering discount gym memberships.  Spoiler alert: the gym membership deal through an AARP sponsored plan did not work out so well! Contact me at: [email protected] (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.

Medicare Advantage Minute: Prior authorization denials have been more numerous in recent years. Only 10% of those denials are formally appealed but of that number, 83% are reversed.    According to Wikipedia, only 5% of Medicare claims are audited so there is plenty of opportunity for fraud, waste and abuse. Finally, Bob from Arizona will be turning 65 and enrolling in Medicare in about six months. He had many questions about the procedure. These were clearly stated and almost seemed designed to make yours truly look like an intellectual giant! Contact me at: [email protected] (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.

Medicare Advantage Minute: Prior authorization requests are increasing and so are denials. For those with the moxie to file official appeals, the success rate approaches 83%! Wikipedia "Medicare" page: More on funding projections. Actuaries find it impossible to predict future solvency without the assumption that current laws will be followed. How does one decide whether Medicare is better than the company plan? Look at contribution vs. premium cost, match deductible and cost sharing and finally consider drug coverage. Finally, an article from AMAC: Understanding Medicare coverage; what is and is not included. Contact me at: [email protected] (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.

We begin this episode with advice about staying safe while planting a lip lock on the Blarney Stone. In the Medicare Advantage Minute article, we learn that giant MA purveyor Aetna has had three downward earnings projection adjustments lately. This has cost the CEO his job. In the Medicare Wikipedia page, the Feds spend a lot of time projecting the solvency or insolvency of Medicare. Finally, Toni King fields a question from a liver transplant candidate: how will Medicare pay for the necessary home care post surgery? Toni's answer: they will pay nothing. Contact me at: [email protected] (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.

Our Medicare Advantage Minute article details the split between Health Partners and United Healthcare. This will affect 30,000patients of Health Partners. For even more excitement, listen to our entry on the Wikipedia page about Medicare: Indicators, Long Term Financial Status of Medicare! There is a list of the new stages in Part D drug plans. They are still bragging about getting rid of the "Donut Hole" and forcing the plans to eat more of the cost of expensive drugs. Gee, what do you suppose will happen to plan premiums? On a lighter note, we list the 10 best and 10 worst cities in which to retire as well as the "hardest working states". Contact me at: [email protected] (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.

The Medicare Advantage Minute: Two MA behemoths are cutting back in 2025; which insurers will benefit? Communist government health programs like Medicare can only deal with increasing cost of care in two ways: increasing taxes and rationing care. MLM podcast guest Clarence Cramer was smart enough to hang up on fraudsters: Medicare will never call you on the telephone! Changing from an employer plan to Part D of Medicare is likely to reveal a difference in your drug benefits. A new client asks whether there is any hope in rescuing her partner from his unsatisfactory MA plan. We give her encouraging news! Finally, a correspondent asks a series of very excellent questions about Medicare & Medicare advantage. I should start a Q & A for the next edition: MLM 2025!   Contact me at: [email protected] (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.

Medicare Advantage Minute announces: Seven insurers are exiting MA markets in 2025. Wikipedia page on Medicare: a comparison with private insurance. Health systems get ready: here comes the Silver Tsunami!  Many of the most popular Part D drug plans have stopped paying commissions to sales agents. Consult "Medicare for the Lazy Man" for simple DIY instructions to select the best part D plan for you. Finally, an article announcing that Medicare supplement is positioned for growth in the future.                                                                              Contact me at: [email protected] (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.

Medicare Advantage Minute: Star ratings will be recalculated, resulting in payment adjustments of hundreds of millions of dollars. Wikipedia page on Medicare: comparison with private insurance. Finally, Joan writes in asking how to remove herself from the hated Medicaid welfare plan she has become mired in. She wants to re-enroll in original Medicare with a beloved  supplement plan. Contact me at: [email protected] (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.

Limp wristed pantywaists horrified at summer heat in the desert southwest! Also, fatal heart attacks are more likely in cold weather. Politicos are trying to reform the prior authorization process in order to ease the strain on providers and reduce complaints about Medicare Advantage plans. Did your parent(s) have Alzheimer's disease? Does that mean that you are likely to get it? Finally, new Medicare rules may allow 3.6 million to become eligible for Wegovy. According to one expert, the impact on Medicare "could be horrendous"! Contact me at: [email protected] (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.

Medicare Advantage Minute article for today: Millions on Humana MA plans could see benefits cut. They are ending plans in some areas while cutting benefits in others. The Medicare page on Wikipedia describes some enrollment processes. Finally, correspondence from a prospective client carries questions about Medicare supplement characteristics, particularly in North Carolina. Additional questions spark a review of the cost and availability of vaccines.  Contact me at: [email protected] (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.

Our Medicare Advantage Minute illustrates a trend responsible for much of the dramatic growth of Advantage plans: Large companies refusing promised retiree benefits if the retiree elects original Medicare rather than a Medicare Advantage plan. Florida: Let's do the Medicare supplement math: Illustrating the potential savings and very limited additional risk of choosing HDG over Plan G. The premium savings will defray most, if not all, of the Medicare deductible and coinsurance. Finally, Medicare supplement (Medigap) plans may be changed any time of the year. Some states make it easier than others.   Contact me at: [email protected] (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.

A contract dispute has caused the removal of MD Anderson from BC/BS TX Medicare Advantage networks. This will be a problem for their member patients who relied on Anderson for their treatment. This sad upheaval couldn't happen with Medicare and a Medicare supplement! The Medicare Advantage Minute quotes an article illustrating the areas of the US where millions could lose their MA plans. From the Medicare Wikipedia page we learn about office medication reimbursement. Wellcare is ending MA coverage for their clients in six states. Finally, correspondence from two prospective clients with questions about their unique situations. Contact me at: [email protected] (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.

The article addressed in our Medicare Minute is entitled, "Need a Medicare Advantage Plan?" It goes on to describe the results of a study illustrating the fact that residents of poor counties have difficulty getting highly rated MA plans. The Medicare Wikipedia page describes how medical doctors are reimbursed for their services depending on their legal relationship with Medicare. Finally, we hear the sad stories of two members of MA plans that sorely regret having missed their opportunities to get out when the getting was good! Contact me at: [email protected] (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.

The initial segment contains our Medicare Advantage Minute. Here, the government brings a premature end to their experimental MA hospice benefit. On the Wikipedia page regarding Medicare, we wallow in the actuarial magic of reimbursement calculations. This episode culminates with the official position statement of Medicare for the Lazy Man when it comes to Medicare supplement Plan N. Contact me at: [email protected] (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.

The episode starts of with the Medicare Advantage Minute segment, an article entitled:  A Majority of Medicare Advantage Enrollees Don't Fully Understand Their Plans! Afterword, my friend Randy Norris describes the trials and tribulations of enduring a course of treatment for what has been described as an "off the charts" problem with sleep apnea.  Contact me at: [email protected] (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.

We kick off this episode with our favorite segment: The Medicare Advantage Minute. Today's article is entitled: The Medicare Advantage Paradox; How Advantage Plans Cost Taxpayers Billions! After that, close personal friend and avid MLM podcast listener Kirk "Fish" Fisher takes the stand for an intense interrogation about his career, his life and his possible visit to Arizona. If you would like to share a comment or ask Mr. Fisher a question, send an e-mail to the address below. Contact me at: [email protected] (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.

In the Medicare Advantage minute, we learn that Centene in 2025 will exit a handful of markets where they currently have MA plans. Wikipedia page on "Medicare" explains the reimbursement for Part A services. Finally, in what is looking like a year of turmoil and change, what you should expect to learn from your Annual Notice Of Change (ANOC). Contact me at: [email protected] (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.

Once again, Medicare supplements explained in 3 short minutes:                      https://youtu.be/fJhZt5RHiMs The Medicare Advantage Minute - comes in like a lion, goes out like a little sissy. Sorry folks! The Wikipedia page on Medicare is an exciting lesson on payment for services and drug plans, according to my notes. Finally, a dire prediction for Part D drug plans in view of turmoil expected to be caused by government price-setting schemes. A quote: Things will only get tougher for Part D. Contact me at: [email protected] (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.

How do they know? Because the insurance company reporting the diagnosis (like diabetic cataracts) rarely ever treats that disease. Walgreen's is apparently preparing to say "good-bye" to Village MD. Are you an MD? Learn the 15 best and 15 worst states in which to practice medicine. Finally, learn how Medicare is treating GLP-1 drugs for those with diabetes and in need of weight reduction. Contact me at: [email protected] (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.

Medicare Advantage may be radically altered if a proposed new law passes. Prior Authorization will be required for Prior Authorizations! Gee, what genius came up with this plan? New business rates are creeping higher in these inflationary times. Rate increases for the rich plan are hitting insureds harder than those for the High Deductible plans that MLM recommends for almost everyone! On the Wikipedia page for Medicare we learn about deductibles and coinsurance for Parts A & B. Contact me at: [email protected] (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.

They think the problem involving prior authorizations can be fixed with legislation. So the evil MA trolls won't find another way to use their enslaved members to extract more cash from the US Treasury? On the Wikipedia page about Medicare, we learn about out-of-pocket costs: deductibles, co-pays, co-insurance and IRMAA. Correspondence with clients and prospects, such as Patricia who may have been tricked into a MA plan without her knowledge or consent. Thomas fell 30 feet off a roof and has been in SSDI. MLM was able to enroll him in Plan A in his home state of Virginia. Howard was hoping that we post our MA articles on a bulletin board somewhere. Finally, Frank is not so sure he wants to enroll in an HDG plan in spite of the very low premium. I think Frank is overlooking the long-term HDG advantages!   Contact me at: [email protected] (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.

The Association of Mature American Citizens (AMAC) takes exactly the wrong position when it comes to supporting freedoms for Medicare participants. C'mon guys, wise up! "Managed care" is not what freedom-loving men and women long for in their health insurance! In the MA Minute, one hour nurse visits to members' homes result in a $15 billion windfall for Medicare Advantage insurance companies. On the Wikipedia page about Medicare we read about Part D prescription drug plans. Contact me at: [email protected] (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.

Medicare payment options allow some flexibility in meeting this "must do" financial obligation. The only way to dodge it is Medicaid: welfare. Thomas, accident victim in his late 50s, is able to purchase a Medicare  supplement plan because his state mandates that right. We list all the states with similar regulations. Finally, One big MA carrier is removing its Medicare Advantage plans from six states while MA enrollment is reported to have dropped in seven other states. What gives? Contact me at: [email protected] (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.

Not a new story but one that bears repeating. This is one of many warnings that responsible insurance pros should share with clients. From the "Medicare" page on Wikipedia we learn about how the hospital and nursing facility benefits are renewed after a period without the need for treatment. Medicare supplement rate increases follow the pattern: in some places 20% increases for Plan G but 0% for HDG. Result? The smart HDG buyer saves more and risks even less. Finally, valued client Bob is approaching his first year with United American's High Deductible Plan G. Does he need to consider alternatives that might be an improvement?  Not "NO", but HELL NO! Contact me at: [email protected] (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.

Additionally, providers are having to write off 8.5% of patient revenue from MA members as uncollectible. From the Medicare Wikipedia page: how you qualify for free-of-charge Part A of Medicare. What happens to hospitals with high readmission rates? Ouch! Finally, the sad story of a patient in Bullhead City, AZ who was hauled off to the hospital and eventually died. His daughter was disgusted by the bureaucracy his Medicare Advantage insurance carrier subjected her to when she tried to have him moved to Utah to be near his family. Contact me at: [email protected] (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.

When a hospital and Medicare advantage plan part ways, insurance plan members have to look for new docs elsewhere. One woman was forced to scramble to find four new docs and specialists. Are insurance companies keeping secrets? An actuarial reporting firm is asking subscribers to rat out MA plans who intend to exit or reduce their "footprint" in a given area. Humana & CVS have announced plans to seriously downgrade their offerings with Humana loosing "a few hundred thousand" members. Conclusion: "Boom times for Medicare Advantage appear to be in the rear view (mirror)." Contact me at: [email protected] (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.

It can diagnose like no previous test. Can it cure? Nope, no cure yet. Your Federal Government is auditing, setting stiff penalties for fraudulent MA charges...but tells the thieves they can just keep the cash! More exciting prose from the Wikipedia page on "Medicare". Contact me at: [email protected] (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.

Every so often a client 'fesses up and says they should have listened more carefully to my advice. Today we hear from Michael.....! Also, we enjoy correspondence with a couple of other clients, including Marvin who was helping his 88 year-old-neighbor get away from his Medicare Advantage plan. Also, a woman who is working to become a Medicare agent writes in to ask for advice. During our MA minute, the headline reads:      Hospitals are dropping Medicare Advantage left and right! Contact me at: [email protected] (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.