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Much More Than Medicare Podcast

Much More Than Medicare Podcast

By Jae Oh
By Jae Oh, Certified Financial Planner, author of Maximize Your Medicare.

Get updates on all things financial planning, how current events affect your financial life, listen to interviews in the media, and much more.

Official Book Website: www.maximizeyourmedicare.com
YouTube Channel: youtube.com/maximizeyourmedicare
Facebook Group: www.facebook.com/groups/321343075192885/

Be sure to subscribe on Apple Podcasts, Spotify, Google Podcasts, TuneIn or almost anywhere else you listen to podcasts.

#MuchMoreThanMedicare
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How to Understand Medicare Bills: An Example from Urgent Care

Much More Than Medicare Podcast

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COBRA, Unemployment Benefits & Health Insurance (Under Bidencare)
COBRA, Unemployment Benefits & Health Insurance (Under Bidencare)  In This Broadcast: 0:00 Introduction and Medicare ABCs (Masterclass Edition) 3:17 COBRA and Bidencare: Important Updates 11:00 If You Have/Will Receive Unemployment Benefits, Health Insurance Discounts Available Now   Link to COBRA Document: https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/cobra-premium-assistance-under-arp.pdf  Your free individual health insurance quote: https://bit.ly/3doHsGJ Medicare Enrollment Resource Guide: https://bit.ly/2VDEJCF Ask Us, time is running out quickly. email: info@gh2benefits.com Phone 855. 463 9688   Financial Basics for All: https://bit.ly/3fmYFRP Financial Basics for All: https://bit.ly/3vohGJe Retirement and Medicare: https://bit.ly/3yEG0IY Maximize Your Medicare Podcast: https://maximizeyourmedicare.com/podcasts/     CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 📲 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/321343075192885 📖 Book website: http://www.maximizeyourmedicare.com 🐦Twitter: https://twitter.com/JaeOhCFP 🐦Twitter: https://twitter.com/MaxYourMedicare
14:17
July 15, 2021
Medicare Advantage Report & Biden Orders An End To Surprise Medical Bills | Weekly Update
Medicare Advantage Report & Biden Orders An End To Surprise Medical Bills | Weekly Update   In This Broadcast:  0:00 Intro: Unemployment Benefits? Health Insurance Premiums Can Be Zero... 4:30 Medicare Advantage Looks Bad, But The Article Is Incomplete 14:27 Medicare ABCs on GH2 Unfiltered  16:09 Biden Orders An End To Surprise Medical Bills: Now The Hard Part, Getting It To Work 🖥️ ✅✨ Subscribe to Much More Than Medicare by Jae Oh. →https://www.youtube.com/channel/UCaKgPfAiuXhrSN_DNHK98NA?sub_confirmation=1 Turn on notifications (🔔) to stay updated with new more than medicare videos uploads.!   Financial Basics for All: https://bit.ly/3fmYFRP Financial Basics for All: https://bit.ly/3vohGJe Retirement and Medicare: https://bit.ly/3yEG0IY Maximize Your Medicare Podcast: https://maximizeyourmedicare.com/podcasts/   CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 📲 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/321343075192885 📖 Book website: http://www.maximizeyourmedicare.com 🐦Twitter: https://twitter.com/JaeOhCFP 🐦Twitter: https://twitter.com/MaxYourMedicare
29:25
July 12, 2021
Medicare 2022 Preview & See Me After Class
Medicare 2022 Preview & See Me After Class | Weekly Update   In This Podcast: 0:00 Introduction 0:49 Medicare ABCs is exclusively for GH2Unfiltered.com subscribers 1:50 Social Security COLA Projections Are Arriving, Don't Get Too Happy 6:43 Medicare Advantage competition will continue to grow 13:36 Medicare Advantage means you need to understand networks 17:36 See Me After Class (the banner is wrong): ACA & Medicaid opponents have earned an F- Watch the YouTube Broadcast: Click here GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site: Subscribe CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Our Services: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
35:50
July 1, 2021
Healthcare Costs and Retirement | My Interview
A Cohesive, Comprehensive Approach Is Best Our YouTube era means that people want the complete answer in 10 minutes. That is fine if you want to get some overall ideas, BUT it cannot be a complete answer. My interview on thestreet.com with Robert Powell on thestreet.com 0:00 Introduction 1:45 Health Insurance is not the same thing as Health Care 5:14 The Integrated Approach 8:08 Healthcare Cost Planning Is Ongoing 12:50 Medicare Isn't Long-Term Care 17:00 Healthcare Costs and Retirement: Are The Statistics Real? 22:15 COVID 27:00 Medicare Trust Fund & Medicare Eligibility 34:50 American Rescue Plan GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site: Subscribe CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Our Services: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
43:37
June 22, 2021
Applying For Insurance Yourself Can Go Very Wrong | Weekly Update
Applying Yourself Can Go Very Wrong | Weekly Update   People will think it is for commercial reasons only. Nah. In This Podcast: 0:00 Intro 2:30 Real-Life Case #1 Full-time employee, Medicare-eligible, loses health insurance 14:01 Real-Life Case #2 Married couple plans on retiring 23:29 COBRA works ONLY UNDER EXCEPTIONAL CIRCUMSTANCES and ONLY for a limited time 24:42 ACA Survives Another Supreme Court Challenge I have found the entire debate around the ACA distasteful. Both sides, supporters and opponents, have distorted all sorts of facts. Both sides have used individual facts to further their own extreme points of view, and the reasoning is frequently flawed. That leaves YOU as the innocent observer to the crossfire. Sigh. GH2 Unfiltered: https://bit.ly/35B5g5m Access to Medicare ABCs and other in-depth information that cannot be shared in public. Keep updated by subscribing to the many free resources. Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site: Subscribe CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Our Services: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
39:57
June 21, 2021
Medicare Information | Why Getting Fragments On YouTube Can Be A Problem
Medicare Information | Why Getting Fragments On YouTube Can Be A Problem This Podcast is a Free Sample of the Information on GH2Unfiltered.com In This Broadcast: Medicare information is consumed in fragments, and YouTube runs the video world. That can lead to a list of problems. a. Wrong terminology used, leaving you in a haze where the terminology is EXACT and LEGAL in nature. "You know, I kinda sorta did that thingy..." >> This will not work. From there, the telephone game begins, "My friend watched this video on YouTube."  b. Statement not supported by facts. For example: rate increase of Plan G is equal to Plan N at the largest carrier in California. c. Ignoring the Gamma Squeeze. Let's say I am the czar of the CMS: I would have very bad news for physicians, you are getting a pay  cut, immediately. Their logical response? Charge the Part B excess, as allowed by law (and what any rational grandmother would tell their grandchild, right now, and what I tell my physician clients. "Look, you are minus $300K in educational debt, and you hold a knife for a living." Keep updated by subscribing to the many free resources.    Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site: Subscribe CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Our Services: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
28:00
June 18, 2021
Medicare Isn't Scary | Never Forget These 5 Things
Medicare Isn't Scary | Never Forget These 5 Things   Watch on YouTube here. In This Broadcast 0:00 Introduction 1:00 New, Improved Website | New Resources Center! 9:00 Individual Health Insurance Deadline Approaches 14:14 Is The Public Option Dead Already? 22:02 Medicare: Never Forget These 5 Principles Keep updated by subscribing to the many free resources.   Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site: Subscribe CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Our Services: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
35:49
June 14, 2021
Biden Budget & Health Insurance: Go Big Or Go Home
President Biden Released His Proposed Budget In this podcast: my takes on these topics a. Medicare eligibility age at 60. b. Public option c. Dental, vision, hearing coverage under Medicare One thing is certain: these topics will be the subject of heated debate, and which segments are adopted is unknown at this time. Keep updated by subscribing to the many free resources. Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site: Subscribe CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Our Services: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
24:15
June 3, 2021
Understanding NBA Top Shot, NFTs & Cryptocurrency
Understanding NBA Top Shot, NFTs & Cryptocurrency   To group them together, as if they are the same, isn't quite right. The digital sports trading card is called NBA TopShot, and the most expensive cards already costs more than $100,000. However, while you can change the technology, and that does affect the supply and demand, the "digital nature" of the NBA TopShot cards doesn't change the laws of supply and demand.  The current market prices for NBA Top Shot Moments (especially the ones called Commons) have dropped dramatically, 70-80% and more. Some of the reason is the initial hysteria, but there are other, more fundamental reasons. It is important to understand the fundamental economics in every situation when making financial choices.  That goes for Non-Fungible Tokens (NFTs) and Bitcoin, but in VERY different ways. The differences radically changes the way that the markets should be understood.  Note: This doesn't make me a hater at all (Disclosure: I have personally owned NBA TopShot Moments, and continue to do so, under the handle TheWookster0819). I have personally made over $4,400 on an investment of less than $200.   This Channel: We are likely to have an additional set of videos that deal with the digital, online nature of our world, and how it relates to financial literacy, for all ages.    #NBATopShot #NFT #Bitcoin #Crypto CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Book website: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
25:34
May 28, 2021
Special Guest: Michele DeFilippo, Founder of 1106 Design, Self-Published Book Queen
Michele DeFilippo, Pioneer of The Self-Published Book Industry   Michele is a true pioneer. She created 1106 Design, one of the most highly-regarded organizations that help authors turn their dreams into reality.   In this broadcast: a. How Michele got started in traditional book publishing. b. The challenges that face aspiring authors and how to think about them. c. How 1106 Design works, the services it provides, how it's different from the rest. d. Michele's role as caregiver to her senior mother and her Medicare experience. CONNECT with Much More Than Medicare: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Book website: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
41:02
May 27, 2021
Cryptocurrency's Wild Ride and Is Bidencare Better Than Medicare?
Cryptocurrency's Wild Ride and Is Bidencare Better Than Medicare? In This Podcast: a. Cryptocurrnency's Wild Ride and What Isn't Being Fully Told. b. Is Medicare or Bidencare better? If Medicare eligibility is lowered to 60, would it be better than Bidencare today? One article says maybe not, but there are blanks that need to be filled in, before determining that. Link to YouTube Video: Watch Link to AP Article: Read    Link to Avalere: Read Free, no obligation quoting tool: Check it out Free 15-minute call: Schedule CONNECT: YouTube Channel: Subscribe Sign up for the free MYM Newsletter: Subscribe Book website: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
47:02
May 21, 2021
My Interview on KGO San Francisco and The End of "Junk" Health Insurance? Maybe.
My Interview on KGO San Francisco and The End of "Junk" Health Insurance? Maybe. In This Podcast: a. My Interview With Michael Finney, The Consumer Show, KGO Radio, San Francisco b. Hospital Indemnity, Critical Illness, Short-Term Medical, Health-Sharing Plans Threatened By Bidencare? Yep. Free, no obligation quoting tool: Check it out Free 15-minute call: Schedule CONNECT: YouTube Channel: Watch Sign up for the free MYM Newsletter: Subscribe Book website: http://gh2benefits.com Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
30:25
May 11, 2021
American Rescue Plan (ARP): Health Insurance Is Now Affordable
American Rescue Plan (ARP): Health Insurance Is Now Affordable LIVE "Rethinking Retirement" Webinar May 18 2PM ET: Register In This Podcast: a. Enrollment timelines b. Premiums can be MUCH lower c. All age divisions d. What if I already have a private plan? e. When to Stay with your existing plan f. COBRA g. Get a quote to find the ballpark, but crossing the finish line is tricky Free, no obligation quoting tool: Check it out Free 15-minute call: Schedule  CONNECT: YouTube Channel: Watch Sign up for the free MYM Newsletter: Subscribe Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
18:32
May 3, 2021
BidenCare is Here and It Is Enormous...If If If
BidenCare is Here and It Is Enormous...If If If Every age division can benefit, from millennial to pre-retirement. The ripple effects are not smaller, they are bigger than just simply "lower health insurance premiums." You can find out if you qualify: https://bit.ly/3doHsGJ My interview with Art Lewis, legendary radio talk show host. He asks practical questions that everyone can understand, as usual. Free, no obligation quoting tool: Check it out Free 15-minute call: Schedule  CONNECT: YouTube Channel: Watch Sign up for the free MYM Newsletter: Subscribe Book website: http://www.maximizeyourmedicare.com Twitter: Follow JaeOhCFP Twitter: Follow MaxYourMedicare
37:35
April 21, 2021
Free GH2 Unfiltered: BidenCare Part 2 and Medicare Eligibility Changes
This is a free broadcast of the subscription site GH2Unfiltered.com Video broadcast version here: https://youtu.be/eYmDZmPMCbM Subscribe to GH2Unfiltered here Get your individual health insurance quote here (I will assist for $0). Update: The messages over the past month and videos on YouTube have unsurprisingly come true, all of it. Here's the link to get a good estimate (it is not complete, you need to be careful): Bottom Line: EVERYONE should check to see what the financial benefit to the ARPA could be. The details of what's inside are now known. The IMPACT on every person's situation is now known. BidenCare is more expansive than the headlines state. For that reason, I am very sure that "set it and forget here" is a 100% BAD IDEA, and I am also 100% sure that most people will disregard the prior sentence. The COVID stimulus bill (America Recovery Plan, don't love the name) has also notably increased the health insurance subsidies. The decline in premium can easily be larger than the $1400/$2800 check. Perhaps people will be too busy at BestBuy, as they buy newly-on-sale stuff for the sale price of....$1399.
17:52
April 1, 2021
Maximize Your Obamacare (or BidenCare): The American Rescue Plan Act
BidenCare Tips:  Premium subsidies can be larger than the stimmy, but...   How to get started: https://www.healthsherpa.com/agents/jae-oh/contact?_agent_id=jae-oh  This video contains important consumer tips on how to get the most from the American Rescue Plan Act. There is a sample to show you how sensitive it is (there is a reason that your first call is free). Please LIKE and SUBSCRIBE: this will not be the last.   The America Rescue Plan contains many powerful additions to the Affordable Care Act (Obamacare).  Please know that even after this is understood, correctly choosing an individual health insurance policy is NOT easy due to the fragmentation of networks and cost-sharing inside each insurance polcy. There are other videos for that, and you can reach us directly as well.   Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7   CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...  Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
14:49
March 22, 2021
My Special Guest: Art Lewis, Radio Show Host, still working at 78!!!
My Special Guest: Art Lewis, Radio Show Host, still working at 78!!!   I have appeared on Art's radio shows well over a dozen times. He has been a great supporter of mine, and today, I become the interviewer.   0:00 Art still loves his work   16:30 Vacationing and Art's sponsored tours   28:40 Art and I talk politics (surprise!)   34:20 Dealing with extreme political views on the radio   41:20 The future of broadcast radio   45:10 Art's success as a radio talk show host   49:20 Crediting Rush Limbaugh (RIP)  55:00 Far left radio doesn't work: why?  1:05:00 How to listen and watch Art   Art's radio station: https://www.WSGW.com
01:12:10
March 12, 2021
COVID-relief bill might save you a LOT of health insurance money
COVID-relief bill might save you a LOT of health insurance money (or mistakes can leave too much $ on the table)   In this podcast: Real-life example, this comes across to me very frequently. Client intends to open a Roth IRA account. Her income is 30,000 but has savings, enough to contribute the maximum towards a Roth or a traditional IRA. If she had chosen a traditional IRA, she would've saved over $1000 on her health insurance premium in 2021. If she chooses a Roth IRA, she can get future tax benefits (since capital gains, dividends and interest are not taxable later, however, the clients needs to be at least 59 1/2 and the account needs to be 5 years old).  Given that she has an income of 30,000, the extra $1000 due to lower health insurance premiums? That is very much worth considering. That is an individual's choice.  Not knowing the interaction exists? There is a reason for that, i.e. advisor don't know, and some even take pride, in knowing anything about health insurance. Except now, it involves taxes, because the health insurance subsidy is actually a tax credit.   A good place to start estimating: https://www.healthsherpa.com/?_agent_id=jae-oh. Your first call has no-obligation and is FREE https://calendly.com/justjae/30minBe sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
15:41
March 9, 2021
How To Not Waste $5000 on Individual Health Insurance
How-To: Individual Health Insurance Errors Can Be VERY Costly   In this podcast:  a. See how expensive errors can be when selecting individual health insurance  b. GH2 Unfiltered free segment: Bitcoin at $57,000, now what?  c. Medicare ABCs presentations are in full swing Your first call has no-obligation and is FREE https://calendly.com/justjae/30minBe sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7   CONNECT:  Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
22:40
February 22, 2021
Guest: Kevin Cole, Leading Gershwin Pianist
Special Guest: Pianist Kevin Cole Kevin Cole has been described in The Chicago Tribune as the "country's greatest living Gershwin pianist," and his first album, released in November 2020, has been described as "revelatory," and "...you don’t have to be familiar with every note of the Concerto in F to appreciate the power and stature of this recording, which can be considered as close to Gershwin’s intention as is possible at this late date." That is very high praise, indeed. ("A revelatory new recording of Gershwin’s landmark Concerto in F" By HOWARD REICH, CHICAGO TRIBUNE NOV 18, 2020): link We discuss: a. How he started, how he got discovered, b. How he met the Gershwin family (!),  c. Playing at Carnegie Hall,  d. Recovering from a brain tumor, and  e. What's next. Link to the album: https://amzn.to/37o0mtW Kevin's contact email: manager.kevincole@gmail.com #piano #Gershwin #Naxos
01:36:21
February 17, 2021
Individual Health Insurance SEP and Big Deal, Little Deal or No Deal?
Individual Health Insurance SEP and Big Deal, Little Deal or No Deal?   In this video:  a. February 15 - May 15: Individual Health Insurance Tips (ones that people will miss)  b. Big Deal, Little Deal, No Deal: Congress calls for Gamestop hearing  c. Research reveals that Medicare Advantage carrier under DOJ investigation Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7   CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...  Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
32:31
February 16, 2021
Health Insurance Enrollment Tips and See Me After Class
Health Insurance Enrollment Tips and See Me After Class   In this podcast:   a. Individual health insurance (pre-65) Special Enrollment Period tips  b. See Me After Class: Late Enrollment Penalty bill introduced may look like a good idea, but...  c. Reminder about the Medicare Open Enrollment Period (through March 31, 2021) Your first call has no-obligation and is FREE https://calendly.com/justjae/30min ​Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 ​Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com ​Twitter: https://twitter.com/JaeOhCFP ​Twitter: https://twitter.com/MaxYourMedicare
27:50
February 7, 2021
Special Guest: Robert Powell, Editor of Retirement Daily, thestreet.com
Special Guest: Robert Powell, Editor of Retirement Daily, thestreet.com You can see Bob's articles everywhere nationwide. He has spent over 30 years in the journalism business, as contributor to the USA Today, and now, as the Editor of Retirement Daily, part of thestreet.com. You can see his efforts here: https://www.thestreet.com/retirement-daily/ We discuss his take on the Patriots (he lives in Massachusetts), GameStop of course, and his experience in journalism about retirement issues. Thanks to Bob, and stay tuned for interviews with other interesting people that I have encountered in the years since creating the first edition of Maximize Your Medicare (Allworth, 2020).   Free offer: First-time subscribers to GH2 Unfiltered will receive a copy of Maximize Your Medicare free, including shipping, anywhere in the lower 48 states. For further details and tips: https://www.gh2unfiltered.com Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
50:16
February 2, 2021
(Game)Stop the Presses: Individual Health Insurance OEP, GameStop of Course, and TB12 the Sorcerer
(Game) Stop the Presses: Individual Health Insurance OEP, GameStop of Course, and TB12 the Sorcerer It's not a podcast without mentioning GameStop.... Also: a. Biden opens individual health insurance (pre-65) Special Enrollment Period b. Medicare Open Enrollment Period runs through the end of March c. Tom Brady is a witch, that's the only explanation
19:37
February 1, 2021
Medicare Enrollment Improved and Medigap Extra Benefits
Medicare Enrollment Improved and Medigap Extra Benefits   In this video:  a. The BENES Act has been adopted into law, which  make things better, but there are still problems.  b. What to consider when receiving a Medicare Advantage letter from your doctor or hospital.  c. Medigap carriers adding extra benefits. Free offer: First-time subscribers to GH2 Unfiltered will receive a copy of Maximize Your Medicare free, including shipping, anywhere in the lower 48 states. For further details and tips: https://www.gh2unfiltered.com Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
25:52
January 25, 2021
COVID and Life Insurance
COVID and Life Insurance   A very recent article points out that life expectancy in the US is likely to drop by a full year as a result of the pandemic. This has powerful implications regarding life insurance.    For further details and tips: https://www.gh2unfiltered.com  Free offer: First-time subscribers to GH2 Unfiltered will receive a copy of Maximize Your Medicare free, including shipping, anywhere in the lower 48 states.   Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 ... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare  
21:02
January 19, 2021
NFL Playoff Daily Fantasy and Financial Planning: Closer Than You Think
Maximize Your Medicare Podcast This weekend is NFL Divisional Playoff, so we're early.... You can watch this on YouTube: https://youtu.be/CTkpLquDNBk In this Podcast:  1. Medicare Advantage Open Enrollment Period (OEP): Yet another window 2. Fix Medicare enrollment errors between Jan 1 - March 31 3. JPMorgan/Berkshire Hathaway/Amazon health care venture fails, duh 4. Big Deal, Little Deal, No Deal: Medigap carrier changes the rules  Subscription to GH2 Unfiltered: https://www.gh2benefits.com/membership-account/membership-levels/ Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP
23:40
January 15, 2021
Medigap Carrier Changes the Rules
Maximize Your Medicare Weekly Podcast This weekend is NFL Playoff #SuperWildCardWeekend, so we're early.... You can watch this on YouTube: https://youtu.be/IUw0FTwYK80 In this Podcast: 1. Medicare Advantage Open Enrollment Period (OEP): Yet another window 2. Fix Medicare enrollment errors between Jan 1 - March 31 3. JPMorgan/Berkshire Hathaway/Amazon health care venture fails, duh 4. Big Deal, Little Deal, No Deal: Medigap carrier changes the rules Subscription to GH2 Unfiltered: https://www.gh2benefits.com/membership-account/membership-levels/ Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
30:22
January 8, 2021
Surprise Medical Bills Solution Inside COVID Relief Bill
Surprise Medical Bills Solution Inside COVID Relief Bill   In this Podcast:   1. Surprise Medical Bills Solution Inside COVID Relief Bill 2. Dental Insurance can now include implant coverage; Medicare enhanced dental is good 3. FREE copy of Maximize Your Medicare with subscription to GH2 Unfiltered   Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
30:31
January 4, 2021
Saving Money with Health Insurance in 2021
Saving Money with Health Insurance in 2021 In this Podcast:   1. How to Save $ (If you have health insurance, including Medicare)  2. Dental Insurance is better and how to consider if it is "worth it."  3. Medicare Advantage Open Enrollment Period Link to YouTube Video of this Pod: https://youtu.be/wb6IAHjziyg Sign up for the MYM Newsletter: http://eepurl.com/dhigN5Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
22:04
December 28, 2020
Financial Fluency, Fantasy Football: An 11-Yr Year Old Can and So Can You
Financial Fluency, Fantasy Football: An 11-Yr Year Old Can and So Can You   In This Video:  a. Nephew Oscar's Thanksgiving not-so-hot-takes (our tradition)  b. We talk about Daily Fantasy Football c. I talk about it relates to financial fluency  d. Queen's Gambit and Grey's Anatomy (briefly)   Literally, the applications of this video to financial topics is endless. 1. Health insurance 2. Life insurance 3. Portfolio management 4. Securities analysis 5. Social Security planning 6. Annuities 7. Homeowners insurance 8. Auto insurance 9. Portfolio management 10. Extended warranty on refrigerator   Be sure to LIKE and Subscribe!  Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  CONNECT:  Sign up for the MYM Newsletter: http://eepurl.com/dhigN5Maximize Your Medicare  Facebook Group: https://www.facebook.com/groups/32134...  Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
25:56
November 27, 2020
Medicare 2021 Premiums and Deductibles Announced
In this podcast: Watch it on YouTube: https://youtu.be/NA7g42RyQrE In this podcast:  1. The ACA goes in front of the Supreme Court  2. Medicare Premiums and Deductibles Announced  3. Deadlines approaching to change Medicare Advantage, Part D  4. healthcare.gov is difficult   Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare  
20:19
November 16, 2020
Medicare 2021 - How to Not Set Money on Fire
In this podcast:  Watch it on YouTube: https://youtu.be/hw-58hzVUr4 1. Medicare Advantage selection is harder due to many more choices  2. This existing client will save approximately $700+ in 2021.   3. The individual health insurance open enrollment period begins on November 1.  4. Health insurance enrollment windows can be much tighter than you think.   Medicare Annual Election Period and Individual Open Enrollment Period email: aep2021 [at] gh2benefits.com. Toll-free 855-463-9688.   There is no charge for the first inquiry, and we would always tell you in advance if we would need to charge you (one-time, hours unlimited).
20:52
October 25, 2020
Medicare 2021 Preview: Medicare Advantage
Medicare 2021 Preview: Medicare Advantage   In this podcast is the audio for this YouTube video: https://youtu.be/4nTbfRMjmuA a. Medicare Advantage comparisons using the Medicare Plan finder b. See how much the total costs can vary (yikes!) c. If you want switch from Medicare Advantage to Medigap, NOW is the time to start.. Free Medicare Enrollment Guidance: https://maximizeyourmedicare.com/ask-jae/aep/ Book website: http://www.maximizeyourmedicare.com Sign up for the MYM Newsletter: http://eepurl.com/dhigN5   Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Twitter: https://twitter.com/JaeOhCFP  Twitter: https://twitter.com/MaxYourMedicare
24:24
October 7, 2020
Medicare 2021 Preview: Prescription Benefits
Medicare 2021 Preview: Prescription Benefits email address for free Medicare consultations: aep2021@gh2benefits.com   In this podcast is the audio for this YouTube video: https://youtu.be/6cqgCmL2OwE a. Part D comparisons using the Medicare Plan finder  b. See how much the total costs can vary (yikes!)  c. Special section on insulin, a change from 2020 Book website: http://www.maximizeyourmedicare.com Sign up for the MYM Newsletter: http://eepurl.com/dhigN5   Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Twitter: https://twitter.com/JaeOhCFP  Twitter: https://twitter.com/MaxYourMedicare
33:08
October 5, 2020
SCOTUS & the ACA; Health Insurance Enrollment Periods are Nigh
In this podcast:  1. Medicare Annual Election Period is from October 15 - December 7  2. The Supreme Court is considering Obamacare, making a difficult situation ...more controversial  3. Individual health insurance enrollment begins on November 1  4. Why you need to check Medicare Advantage and Part D LAST CHANCE (almost): DONT' FORGET THIS, spaces are limited: Medicare ABCs, Virtual Event, October 5, 1PM ET  Here's the link: Click here or copy/paste https://maximizeyourmedicare.com/ask-jae/medicare-abcs-virtual-info-only-session/ Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  Book website: http://www.maximizeyourmedicare.com Sign up for the MYM Newsletter: http://eepurl.com/dhigN5   Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Twitter: https://twitter.com/JaeOhCFP  Twitter: https://twitter.com/MaxYourMedicare
21:55
September 23, 2020
Wrongful Enrollment, Drug Price Legislation and Softbank
In this podcast: What can happen when enrollment goes wrong (an agent enrolled someone wrongfully #%#%R!!) The new drug price regulation now has some real teeth (now it's a big deal) Softbank, what happened, and why it matters to you. Here's a simple description of what happened: https://www.nytimes.com/2020/09/08/business/dealbook/softbank-stock-market-options.html Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  Book website: http://www.maximizeyourmedicare.com Sign up for the MYM Newsletter: http://eepurl.com/dhigN5   Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Twitter: https://twitter.com/JaeOhCFP  Twitter: https://twitter.com/MaxYourMedicare
25:59
September 14, 2020
Individual Health Insurance and Medicare in 2021: My Preview
In this podcaast:  NY Times reports that people are receiving huge medical bills despite the President's promise that uninsured people will not be charged.  Hurricane Laura brings a Special Enrollment Period under Medicare  Individual Health Insurance will be better in 2021.  Medicare will be even more competitive in 2021.    Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7  Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134 Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
38:47
August 31, 2020
Medicare Mail Blizzard Will Begin Shortly
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN In This Episode: Big Deal, Little Deal, No Deal: Annual Notice of Change letters. Are they important? Rebates for Individual Health Insurance Are Being Sent: What are they, and do they matter? Big changes for insulin and dialysis patients, how YOU may be affected, even if you are not a patient. Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
25:17
August 26, 2020
Medicare Updates and a Good "See Me After Class"
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN In This Episode: Medicare Advantage and Part D plans will be much different in 2021, making it more important to check your plans. Short-Term Medical plans have a definite place in the landscape. Don't let anyone tell you differently. This is the Health Affairs article mentioned in the pod: https://www.healthaffairs.org/do/10.1377/hblog20200813.226193/full/?utm_source=Newsletter&utm_medium=email&utm_content=Health+Policy+Brief%3A++Gentrification+And+The+Health+Of+Legacy+Residents%3B+Short-Term+Health+Plans%3B+Health+Insurance+Enrollment%3B+Decision+On+Unpaid+Cost-Sharing+Reductions%3B+Veterans++Experiences+With+Outpatient+Care&utm_campaign=HAT+8-17-20&vgo_ee=EwuIR9rWVuRtNvOvvJzbqjmLpfwVWI4fM376GfQiY8E%3D Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
37:10
August 21, 2020
YouTube Doesn't Work for Medicare Planning, and Biden Proposes Lowering Medicare Age from 65 to 60
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN There was a production problem yesterday, apologies! In This Episode: Getting Medicare Info on YouTube doesn't work. Doesn't this make me a hypocrite? Perhaps, but the point of my videos is to attempt to communicate that you need a COHESIVE, COORDINATED approach. Separating health insurance matters from other financial planning aspects is asking for trouble. Something will get missed, and it can be very expensive. Presidential candidate Joe Biden proposes lower Medicare eligibility from 65 to 60. That means different things to different group: existing Medicare beneficiaries, those between 60-65, and those who want to plan ahead. The age at which Medicare planning (part of financial planning) would become more complicated, and sooner than prior beliefs. Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
26:28
August 15, 2020
Physical Therapists Will Be paid Less by Medicare; Medicare Advantage Carrier Revealed in Whistleblower Lawsuit
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN In This Episode: Physical therapists and occupational therapists will be paid 9% less in 2021 by Medicare, and that could be an issue. It will depend on whether or not you have a Medicare Advantage plan. For Medigap policyholders, this can mean higher claims which result in higher premiums in the future, even if you do not require physical therapy.  A large Medicare Advantage carrier is named in a whistleblower lawsuit (link) Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
39:44
August 10, 2020
Medicare & Dialysis; Life Insurance Ads: Important Stuff Isn't Included
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN In This Episode: Dialysis and Medicare: ESRD patients will be able to freely enroll in Medicare Advantage in 2021 Life Insurance Ads: The important, value-added information, isn't included in the ads (grrr) Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
27:01
August 5, 2020
COVID-19, Volatility and Its Effect on Insurance Prices; And then, I Curse (first time ever)
It's An Early Release In this episode: ESRD Patients Will Welcome 2021 Because Medicare Advantage Will Be Available Deep dive into financial options, insurance, and the effect that COVID-19 will have.  I finish with a rant against the way that financial products are explained to people by "experts" Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
46:49
August 3, 2020
Medigap vs. Medicare Advantage
Medigap vs. Medicare Advantage Also new: Don't forget to register for the free Virtual Online Info-session, Medicare ABCs. I don't have control over the capacity, it's limited. This will NOT be available as a recording. Registration: https://bit.ly/2CG6OQN In this Episode: Medigap Main Features Medicare Advantage Main Features How to Compare How They Are Sold to You Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
40:03
July 28, 2020
Long-Term Care: The Elephant in the Room
Long-Term Care: The Elephant in the Room In this episode: Pre-Authorizations Are Coming to Original Medicare in 2021 Long-Term Care is the National "Elephant in the Room." I discuss Long-Term Care Insurance, Life Insurance with Living Benefits, and Annuities with Additional Income as three existing alternatives. Oh, self-insuring doesn't work. Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
45:53
July 24, 2020
Medicare Part B Proposed Enrollment Modification & My Radio Interview with Art Lewis on WSGW
Medicare Part B Proposed Enrollment Modification & My Radio Interview with Art Lewis on WSGW In this episode: The BENEs Act is slowly making its way through Congress, with bipartisan support (oy vey!) I am interviewed by Art Lewis, Medicare beneficiary. I have appeared on his shows almost 20 times over the years Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
41:20
July 20, 2020
Beginner's Corner: Medicare Part B by Author of Maximize Your Medicare
Medicare Part B Explained by Author of Maximize Your Medicare   Jae Oh, author of Maximize Your Medicare (2020-2021) explains Medicare Part B.   Covered: Part B Eligibility, Part B Benefits,  When to Enroll in Part B   There are nuances and details which are making the enrollment decision more complicated, as people work beyond 65, or face complicated family/employment situations.   For some, this may require expert guidance, and this video will highlight some of the complications that you may face. The financial difference can result in either thousands of dollars of savings (or overpayment). Here's the bad news: this is not likely to get easier over time, because people will continue to work beyond 65 years old.    Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
26:01
July 13, 2020
Annuities: What You Need to Know & Remember
In This Episode: COVID-19 and its impact on Life Insurance, Long-Term Care Insurance Annuities: What You Need to Know & Remember. There are many options, and each with its own special "sauce." However, they can fill a very valuable role. The question is whether or not it is worth it, to attempt to figure out the nuances among the many annuities available. This segment will help you stay focused on your goals, and then how to determine how much should be allocated to annuities, if that is the decision you make. Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
47:59
July 10, 2020
COVID-19 & Surprise Medical Bills; Beginner's Corner Medicare Part A
In This Episode: COVID-19 treatment and wildly different medical bills How Medicare should handle COVID-19 Beginner's Corner: Medicare Part A, and things people miss Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
40:60
July 6, 2020
COVID19 Prescription Cost and ACA Repeal Updates
Thank you for helping make Maximize Your Medicare the #1 Medicare book on amazon.com!!! In this episode, two big news items. Remdesivir costs > $3000 for a 5-day treatment Possible repeal of the ACA (here we go again) Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://wp.me/P5AUnb-Vd Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
29:60
June 30, 2020
Insulin Will Be Cheaper But What About the Rest of Us? And, "Don't Do This"
In This Episode: Insulin will be cheaper, but what about those who don't depend on insulin? HMMM. "Don't Do This": Mis-analyzing Medigap versus large group coverage Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://mailchi.mp/a66427977b51/turning-65 Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
28:04
June 26, 2020
HSAs, Mistakes to Avoid, and Happy Father's Day!
In This Episode: A personal tale The Maximize Your Medicare Weekly is on YouTube Health Savings Accounts (HSAs) and Things People Frequency Miss IRS Publication 502: https://www.irs.gov/pub/irs-pdf/p502.pdf Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Get your free Medicare consult: https://mailchi.mp/a66427977b51/turning-65 Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
24:48
June 22, 2020
Medigap Basics: Comparing Medigap Plan N and Plan G
Medicare Basics: Comparing Medigap Plan N to Plan G The federally-issued Medicare card isn't a complete solution. It's like a good chassis to a car. There are expensive Part A deductibles. Under Part B, you pay 20% coinsurance after the Part B Deductible has been met, with no limit. There are two ways to deal with what Medicare doesn't pay: Medigap and Medicare Advantage. This pod discusses the two most popular Medigap plans, Plan N and Plan G. Also: Two quick updates on what you need to keep in mind now. June 30th is an important date, and there's a COVID update (of course). Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com
29:13
June 19, 2020
Roth IRA Conversion May Be An Expensive Mistake (one of many)
In This Pod: 1. Seemed Like a Good Idea at the Time When you attempt to think that financial matters are unrelated, oversights can result in higher health insurance / Medicare premiums. Worse, they may have been reasonably avoided if the person you deployed had full command of the interactions. Fundamentally, the reason that people don't consider these items together is because your 'expert' may only be an 'expert' in one topic, and attempt to tell you that the other topics are not important, or that it is a separate matter. An easy example is Roth IRA, but that is just a simple example. HSA, Social Security, Required Minimum Distributions, these are all examples of areas that can affect your health insurance premiums. 2. Don't Do This This pod's "Don't Do This" segment addresses Medicare Advantage. Medicare Advantage requires an understanding of networks. But that's not all, you need to examine the entire package of benefits and think through what happens under different scenarios. Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com
25:38
June 15, 2020
What I Tell 26 Year-Olds About How Financial Stuff Works
You can see the Video on youtube here: https://youtu.be/rA9G_PjitBI You can easily understand Financial Matters, age is just a number Some people think I am focused solely on Medicare. Medicare just happens to be the simplest example of a common logic. If I could communicate this single line of logic, and keep everyone focused on that logic, then much of the confusion over financial topics would disappear. I am convinced and committed to that message. You could understand financial choices, and cut through the long list of challenges. Jargon Excessive skepticism Advertisements ...and on and on Listen for yourself, and then share this with a young person, you will see a long list of videos, which are all variations of this single theme. Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com
40:30
June 12, 2020
Taxes, COBRA, Unemployment, Government Assistance & Health Insurance/Medicare
In this Episode: I received $ from the government, is Medicaid, CHIP, health insurance subsidy (APTC) affected? I receive unemployment benefits, is Medicaid, CHIP, health insurance APTC affected? Should I accept COBRA? Should I keep or cancel COBRA and enroll in Medicare? Very complicated, the main point is that you cannot simply rely on a "rule of thumb," because when the Advance Premium Tax Credit (which lowers your health insurance premium) is involved, that means taxes, which involves the IRS. So now you know for sure it'll be complicated.
22:15
June 8, 2020
Medicare and Me: My Comments on Current Events; Medicare News; Don't Do This
In this Episode: My comments on Medicare and the current news cycle Medicare Updates on Insulin, Special Enrollment Period and more New Segment: Don't Do This, on mistakes that people make, even after reading Maximize Your Medicare Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com
34:27
June 5, 2020
What Financial Planning Should Be
Use Your Own Common Sense & Experience People's eyes glaze over when financial matters are at hand. There are reasons for that: jargon, advertisements, war stories from friends, to name just a few. However, if you simply focus on the cash flow, and are not distracted by the jargon, then you can understand how to handle financial matters, and ignore the tremendous amount of biased noise you face. Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com 
01:01:15
May 29, 2020
Medicare Pandemic Special Enrollment Period Explained
Medicare Special Enrollment Period (COVID-19) Episode The COVID-19 Special Enrollment Period under Medicare has been clarified. Here's what current Medicare beneficiaries can do, and a lengthening of the General Enrollment Part for Part B, for those that have not, for one reason or another, enrolled in Part B. Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com
25:24
May 23, 2020
#AskJae: It's a Mailbag Episode
It's a Mailbag Episode I answer questions received on the "Ask Jae" page of the book's website: www.maximizeyourmedicare.com. If you have questions, just go there, and fill in the form. Your last name will remain private, guaranteed. In this episode: Can I cancel my Medicare Advantage plan? Can I buy health insurance if my employer-sponsored plan is cancelled (pre-Medicare)? Can I enroll in Part B even now (SPECIAL COVID-19 Enrollment exists!) Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Feedback, questions: jae@maximizeyourmedicare.com   
18:04
May 18, 2020
Medicare Plus COVID19 Equals Complications
Coronavirus and Financial Markets Updates I was a guest on a YouTube broadcast recently.  We spoke about Coronavirus (what else), and the effect on Medicare policyholders. We discussed on Joe Biden's proposal to lower the #Medicare eligibility at from 65 to 60.  COVID-19 is going to make any financial contract that requires underwriting (Medigap, Life Insurance) more complicated. #MuchMoreThanMedicare Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com  YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com    Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
01:15:42
May 1, 2020
Coronavirus and Financial Markets Updates
Coronavirus and Financial Markets Updates Coronavirus Individual health insurance Medicare Medigap Medicare Advantage Financial Markets #MuchMoreThanMedicare   Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com   Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
24:49
March 23, 2020
Financial Planning: Did Warren Buffett Describe You?
Legendary Investor Warren Buffett Stated It Well "Only when the tide goes out do you discover who's been swimming naked." Financial planning involves examining your financial risks with your personal circumstances. Over the past years, financial markets have been almost completely cooperative, the result would be that people ignored different scenarios. Now, for the first time in years, and at the fastest rate in history, financial markets have dropped the fastest from their all-time highs, ever. As of this writing, Monday's financial markets also look decidedly lower, with a new piece of information, an oil price war. In this pod: a. How to consider financial market risks, and whether or not they fit your financial circumstances. b. Comments on building a diversified portfolio, and what can go wrong. As of this post: OIL -25%, S&P500 Futures -3.5% #MuchMoreThanMedicare Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Feedback, questions: jae@maximizeyourmedicare.com   Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!  
22:42
March 8, 2020
Financial Markets' Craziness and Your Financial Planning
Global Stock Markets' Incredible Ride My original home is financial markets, where I have lived on three continents under volatile market conditions. In this pod, a. What to think about the increased volatility. b. Do you have the information you need to understand your risk? c. Do you need to adjust? d. What this has anything to do with Medicare Youtube Video Links 1. Stocks Higher: How to Tell How YOU Are Doing (link) 2. Stocks Lower: How to Tell How You Are Doing (link) Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Feedback, questions: jae@maximizeyourmedicare.com   Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!   #MuchMoreThanMedicare
23:41
March 5, 2020
Beginner's Corner: Medicare Terminology Looks the Same, But...
Medicare Terminology May Look the Same, But... a. Original Medicare has 3 deductibles b. Networks are different Medigap and Medicare Advantage Handles Things Differently for Both a. Medicare Advantage has 2 separate deductibles b. Medigap has 1 deductible c. Part D has 1 deductible Newcomers to Medicare and Sandwich Generation (Generation X) adult-age children who are helping senior parents are frequently surprised that these differences exist. Buy the book on Amazon: https://amzn.to/2HsnMBv Official website for the book: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare Feedback, questions: jae@maximizeyourmedicare.com    Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!   #MuchMoreThanMedicare
26:38
March 2, 2020
How to Understand Medicare Bills: An Example from Urgent Care
I Was in a Knife Fight... The kitchen knife won, I required 2 stitches. When having the stitches removed, I discovered a pamphlet/brochure, titled "How We Bill Medicare Patients."  The brochure attempts to explain, and while there are defensible reasons for the limitations, we go through the different handling under Medicare Advantage and Medigap.  Important takeaways: When the clinic is owned by a hospital system (as many are), then there can be two line items, one for the facility, one for the healthcare provider. These are handled differently by Medicare Advantage and Medigap. Most other consumer guides say that Medigap is superior from a coverage point of view. However, that presumes that the Part B deductible has been met under Medigap, which may or may not be true.  Disclaimer: This is only an example. Your individual situation can differ in important ways. Official website for the book: www.maximizeyourmedicare.com Buy the book on Amazon: https://amzn.to/2HsnMBvYouTube Channel: https://youtube.com/maximizeyourmedicareFeedback, questions: jae@maximizeyourmedicare.com  Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!  #MuchMoreThanMedicare
21:42
February 24, 2020
Medicare Beginner's Corner: When To Start Planning
Two Years That's two years prior to the earliest of two dates. Turning 65 Date that you intend to retire from work That is when you should begin to learn about Medicare (there's a book I might suggest).... Why? Some have to pay higher Medicare premiums (IRMAA) and your income is measured two years prior. You may be married and need to consider the combined, household healthcare costs. Official website for the book: www.maximizeyourmedicare.com Buy the book on Amazon: https://amzn.to/2HsnMBv YouTube Channel: https://youtube.com/maximizeyourmedicare Feedback, questions: jae@maximizeyourmedicare.com   Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! #MuchMoreThanMedicare
14:15
February 20, 2020
Medicare Advantage: Can you believe the advertisements and commercials?
Medicare Advantage is Large, and Getting Larger There are well over 20MM Medicare Advantage policyholders nationwide. The issue is that people face the difficult challenge of knowing how to choose. There are YouTube videos, advertisements, commercials, podcasts, books. Now, there are healthcare providers that are sending out "information" about Medicare Advantage plans. While not illegal, the implied message should be carefully scrutinized by potential applicants. Official website for the book: www.maximizeyourmedicare.com Buy the book on Amazon: https://amzn.to/2HsnMBv YouTube Channel: https://youtube.com/maximizeyourmedicare Feedback, questions: jae@maximizeyourmedicare.com Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! #MuchMoreThanMedicare
16:08
February 17, 2020
Rick Cameron: Healthcare Consultant & Medicare Beneficiary
Special Guest: Rick Cameron, Healthcare Consultant and Medicare Enrollee We discussed his specific case, and then went on to discuss Medicare Advantage marketing, the tangled web of healthcare providers and health insurance carriers. We look at the future, Accountable Care Organizations (ACO), and whether this can be a path forward. Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!   Official website for the book: www.maximizeyourmedicare.com Buy the book on Amazon: https://amzn.to/2HsnMBv YouTube Channel: https://youtube.com/maximizeyourmedicare #MuchMoreThanMedicare
43:07
February 13, 2020
Working at a Large Employer and Medicare: Don't Assume...
Working at a Large Employer Has Usually Meant No Changes, But Now... The world evolves, the comparisons have changed, and it's not easier. Note: you need to be careful, companies have specific rules that need to be examined. This podcast introduces why it's worth the examination. There are a number of reasons. a. Your payroll deduction needs to be compared to private Medicare premiums. There is no good "rule of thumb" to use, you need to compare. b. Large-employer group health insurance is weakening. c. Rx costs need to be watched, due to the fact that employer-provided plans do not have the Medicare Coverage Gap under Part D   Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!   Official website for the book: www.maximizeyourmedicare.com Buy the book: https://amzn.to/2HsnMBv YouTube Channel: https://youtube.com/maximizeyourmedicare #MuchMoreThanMedicare
20:11
February 10, 2020
Working at a Small Employer and Medicare: Getting More Challenging
Medicare is Usually Superior to Small-Employer Health Insurance There are a number of reasons. a. The gross premium (full price) is lower under Medicare, Medicare Advantage/Medigap, unless you are subject to very high IRMAA. b. The deductibles, copays, and out-of-pocket maximums are usually superior under Medicare. c. Rx costs need to be watched, due to the fact that employer-provided plans do not have the Medicare Coverage Gap under Part D Married couples need to calculate to compare. a. Under small-employer provided plans, the deductibles and out-of-pocket maximums may be double an individual. b. This becomes very important if one of the two spouses incurs very high healthcare costs. Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! Official website for the book: www.maximizeyourmedicare.com Buy the book: https://amzn.to/2HsnMBv YouTube Channel: https://youtube.com/maximizeyourmedicare #MuchMoreThanMedicare
17:40
February 4, 2020
Taxes, ACA Subsidies and Medicare: An Unsavory Soup
The fact is that your health insurance premiums can be higher (under the ACA OR Medicare), if your income is higher. Too often, people keep the topic (taxes and health insurance premiums) separate, but is not the case. The financial consequences can be large. SUBSCRIBE to this podcast and leave a 5-star review (not enough people have reviewed this podcast) on Apple Podcasts! Official book website: www.maximizeyourmedicare.com YouTube Channel: https://youtube.com/maximizeyourmedicare #MuchMoreThanMedicare
23:36
January 30, 2020
Fixing Late Medicare Enrollment Problems
January 1 - March 31 is a period that: a. You can enroll in Medicare A & B if you have missed enrollment periods in the past b. You can make one change to your Medicare Advantage Plan c. You can cancel your Medicare Advantage plan and return to Part A and Part B (and select a Part D plan) But: You need to understand that coverage will not begin until July 1, 2020. There is an important, largely-unknown extra step. SUBSCRIBE to this podcast and leave a 5-star review (not enough people have reviewed this podcast). Official book website: www.maximizeyourmedicare.com I have been the guest on other pods: TheStreet.com Retirement Daily (click here) The Steve Pomeranz Show (click here)
12:33
January 28, 2020
Maximize Your Medicare (2020-2021 Edition), by Allworth Press
The new edition of Maximize Your Medicare has been published by Allworth Press. THANK YOU to the majority of the largest library systems in the US: buyers of the NEWLY-published edition of Maximize Your Medicare. amazon site: https://amzn.to/2HsnMBv Segments on this pod: a. Why internet "communities" on Medicare are dangerous. b. Why the media's negative stories create a distorted views. c. Maximize Your Medicare is different from other books. Be sure to SUBSCRIBE to the YouTube Channel: https://www.youtube.com/c/Maximizeyourmedicare  CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP Twitter: https://twitter.com/MaxYourMedicare
27:05
January 19, 2020
Maximize Your Medicare Podcast
Many find Medicare confusing and intimidating, but... Your consumer rights and options are unparalleled You are in control (but not forever) The nuances need to be understood Podcast host: Jae Oh, author of Maximize Your Medicare, published by Allworth Press, 2020. Official website for the book: www.maximizeyourmedicare.com Buy the book on Amazon: https://amzn.to/2HsnMBv YouTube Channel: https://youtube.com/maximizeyourmedicare Feedback, questions: jae@maximizeyourmedicare.com   Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! #MuchMoreThanMedicare
00:60
January 1, 2020
Individual Insurance Deadline Extended & Medicare Q1 2020
Pre-order Maximize Your Medicare and enter to WIN a $100 amazon gift card!LInk: https://amzn.to/2HsnMBvSimply send your proof of purchase:Facebook: Maximize Your MedicareTwitter: @maxyourmedicareIG: @maxmaxyourmedicareemail: info@maximizeyourmedicare  This pod:a. Individual health insurance deadline extended to December 18th, from December 15th.b. Medicare changes are possible during Q1 2020, BUT you need to understand the rules, and follow the steps in order. Be sure to subscribe to the Podcast and YouTube channel!
18:17
December 17, 2019
Live from Seattle: Interview on KRWM Warm 106.9
Thanks to KRWM and radio host Kate Daniels. It is my 3rd appearance with her, she is host that understands how important Medicare is.Pre-order the 2020-2021 Edition of Maximize Your Medicare here: https://amzn.to/2HsnMBvBe sure to subscribe and rate on Apple Podcasts! email / feedback: info@maximizeyourmedicare.com
29:26
December 5, 2019
The End of the Medicare Annual Election Period
December 7 is approaching very quickly. If you want to enroll in / change a Medicare Advantage Plan or Part D (standalone prescription) Plan, then now is the time. There are important details on the podcast.Be sure to subscribe to and rate the Podcast on Apple Podcasts (or wherever) and subscribe to the YouTube channel!
20:52
December 2, 2019
Live from NYC: Radio Interview on WOR Radio
Scheduled for 30 minutes, my November 23rd appearance on The Financial QB, with host Josh Jalinski, went for two hours. You can hear that many people have ongoing questions regarding Medicare.Thanks to Josh and WOR! Be sure to subscribe to the Podcast and YouTube channel!
01:57:09
November 23, 2019
Guest: Jim Goldmann, Medicare enrollee & Author of the Voyager Series
Guest: Jim Goldmann, Medicare enrollee and Author of the Voyager series.I speak with Jim, we discuss his circumstances prior to enrolling in Medicare (he's 67 years old). We discuss COBRA, the complications of enrolling in Medicare, and the end results.We speak about his very interesting fictional series, you can buy online here: https://amzn.to/2Wh2pZT Pre-Order the 2020-21 edition of Maximize Your Medicare here: https://amzn.to/2Wf7lhU Be sure to subscribe and rate on Apple Podcasts! email / feedback: info@maximizeyourmedicare.com
37:38
October 26, 2019
Medicare For All, Public Option & the Media
There is a YouTube video where I reviewed a Medicare For All vs the Public Option. There is going to be a lot of noise and mud-slinging as the Democratic debates re-start. Figuring out what is true, what is not, and how it may affect you is important because they are very different, and that involves Medicare coverage, and ultimately, how we will pay for potential expansion of Medicare (it's via taxes). Be sure to subscribe and rate on Apple Podcasts! email / feedback: info@maximizeyourmedicare.com
51:32
July 31, 2019
Disability & Medicare: Be Careful
You can become eligible for Medicare Part A & B & D after 24 months of receiving Social Security Disability Insurance benefits. However, people make mistakes from that point, and the Social Security Administration's communications of rights and options may not be sufficient for you to understand that the Late Enrollment Penalties "calculation period" for Part B & Part D have started. So either a) you do not have health insurance and creditable coverage for prescriptions, subjecting you to the permanent Late Enrollment Penalties, or b) you have health insurance with prescription coverage from the private market, in which case you are likely paying way too much.Be sure to subscribe and rate on Apple Podcasts! email / feedback: info@maximizeyourmedicare.com
11:26
May 29, 2019
Enrollment Windows Closed (Mostly)
Sorry, it's not the Mother of Thrones Podcast.... Case #1: Medicare Annual Election Period and Open Enrollment Period are over. That means you cannot enroll in Medicare, Medicare Advantage, or Part D, unless you qualify for a Special Enrollment Period. It's important, because people frequently make mistakes, and there's a twist for those that are late. Case #2: If you have lived abroad and are relocating back to the US, you need to know what you can and cannot do, prior to repatriating. Subscribe and rate the podcast on Apple Podcasts: click here!
14:15
April 25, 2019
Medicare For All and Medicare For America
My comments on the national debate. Caveat: these are going to be entirely different by the time that the Democratic nomination and the general election occur. 100%.
36:55
March 28, 2019
Proposed Budget Cuts to #Medicare
Watch the trailer and read what a retired hospital CEO & CFO says about the book: https://youtu.be/l0ChK-6meDY Here are the "highlights" of the proposed changes to Medicare. Block grants for Medicaid Part D discount doesn't count for your Part D Coverage Gap calculation Lower CMS rates to hospitals The practical reality is that it will be very difficult to pass these. The implications of the proposals are meaningful. Fiscal and demographic pressure exists on the CMS Part D discount not counting will make it more important to check your Part D or MAPD every year While this is going to look like a political fight, these two bullet points exist irrespective of "red state" or "blue state," or whatever other name-calling you will see in the future.  While "anything can happen" is a convenient phrase, these bullets points are not that. They are known, what we have always known, and that people don't understand the implications. Enter a certain book on Medicare matters.
16:40
March 18, 2019
MYM Podcast (86): Sellers Are Not Gamblers
The Wide Gulf Between Uncertainty and Gambling Blue Cross Blue Shield of MI "Legacy Plan C" Example One of the laziest, most inaccurate over-generalizations people make? "We can't predict the future, so insurance is like gambling." Nope and it's an expensive lesson people do learn, and when they do, it is frequently too late. Background In 2016, this Newsletter existed, and you could read "BCBSM Legacy" premiums. It was an alert, that BCBSM held rates artificially low, due to a legal agreement it made, and the expiry date approached. Further, there was a "way out" into alternative, much cheaper and very similar coverage (Plan N). I contacted the carrier after the "free get out" period expired, and stunningly, the carrier told me that over 70% remained in the existing Legacy plan. That told me a number of things: People didn't correctly know the options People didn't believe me It is fine, I call the second point "Tuesday," i.e. this happens all the time. The entirety of every article and the book? We cannot predict the future, but we know the inputs to how decisions are made by the carrier, and the we should know that the carriers are smart, but have to play by the rules of regulation and fierce competition. We know that the ripple effects can last a long time. The Definition of Gambling People lump together the idea of "uncertain outcomes" with "gambling." Gambling is when you know and understand the probability, and when you choose to do something that run opposite to that knowledge. Insurance carriers are not in the business of gambling. That said, they have to adhere to regulations, and cannot set the price too high, because there are other, equally-smart sellers. Look at the evidence: Medigap pricing in Midland MI for T65 female: TEN SELLERS within $10/month. We don't need to know a thing to know this is the correct price, the topic does not need to be Medicare/health insurance/blahblahblah. Medicare Advantage: 5% profit margin. Exceed 20% profits? Federal regulations to return the difference to you. We Are Grateful to Those That Listened The fact is that we guided people out well before this occurred (years), because this outcome was self-evident. We literally shepherded as many people out as would listen to our reasoning. Sometimes the outcome is unknown (a hurricane doesn't exactly strike a predicted target), but since we knew the rationale, this wasn't "anything can happen" situation. It was entirely loaded towards "this is very, very likely to occur." Does this exist elsewhere in the world, on financial matters? You bet. GH2 Unfiltered. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
25:49
March 8, 2019
MYM Podcast (85): My Radio Interview w/Art Lewis
Sorry, it's not the Mother of Thrones Podcast.... Case #1: Medicare Annual Election Period and Open Enrollment Period are over. That means you cannot enroll in Medicare, Medicare Advantage, or Part D, unless you qualify for a Special Enrollment Period. It's important, because people frequently make mistakes, and there's a twist for those that are late. Case #2: If you have lived abroad and are relocating back to the US, you need to know what you can and cannot do, prior to repatriating. Subscribe and rate the podcast on Apple Podcasts: click here!
34:05
February 18, 2019
MYM Podcast (84): You Don’t Get to Use the Word ‘Emergency’ Easily
There are three ways that one can get accepted into Medigap without medical underwriting... a. Medigap Open Enrollment. Turning 65, and those that do not have Part B yet. You are safe. b. Medigap Guaranteed Issue. Situations occur (SEPs) which allow acceptance into Medigap Plans A,B,C, F,K, L. This is powerful, but will lose its effective power at the end of 2019. c. Guaranteed acceptance. Entirely depending on the combination of state and carrier, there are some (NOT all) carriers that will allow you to cancel existing group coverage, and enroll in Medigap. This is entirely elective by the carrier and the state, both. See point b? Look at the subset of plans, it is not all of the Medigap plans. Notably absent are Plans G and N, two of the most popular Medigap plans. Plan F is included in that listed subset, but will be closed at the end of 2019 for new enrollees. That effectively reduces / eliminates the power of point b. It's an emergency. I have known this and this set of statements have sat in the depths of statements of this Newsletter, for years. Now, it's the bottom of the 7th inning. The full explanation, and the background to the timebomb (existing retiree plans weakening, layoffs within GM white collar ranks are obvious examples) are explained in GH2 Unfiltered. The information and explanation are too subtle, too delicate to be mishandled by readers of a public newsletter.
20:33
February 13, 2019
MYM Podcast (83): Special Video to Introduce GH2 Unfiltered
The video version of this is posted on the Maximize Your Medicare website: www.maximizeyourmedicare.com. GH2 Unfiltered provides the information that cannot be provided in the book, and cannot be provided for free. The reason is that someone will misinterpret and mishandle the very sensitive information in the service. The video will give you a sneak peak of the site itself. This podcast will describe the reasons why we need a separate, standalone subscription page. You can subscribe here: https://www.gh2benefits.com/gh2unfiltered/
15:06
February 7, 2019
MYM Podcast (82): Medicare Advantage Surprise Bill Problems, Can They Be Avoided?
The problem: it depends. Say you are in a hospital and further testing is required. The samples are analyzed at another provider, even within the same hospital system. That provider may be out of network, and you could be unaware of this fact. Yikes. If you have a Medicare Advantage plan, you may or may not be able to prevent this from occurring. The idea that a law could change this? Unclear. Example #2. Joint replacement surgery, done on an outpatient basis. Here, Medigap will be worse because rehab requires 3-day inpatient hospital stay. Medicare Advantage? Some plans require 3-day inpatient hospital stay, and some do not. You'll need to be verrrrrry careful. Be sure to subscribe to the Maximize Your Medicare Podcast on Apple Podcasts (and rate it!) Official book website: http://www.maximizeyourmedicare.com The 2019 Edition is still only $0.99 on kobo.com for first-time users of the app/website!
30:18
January 25, 2019
MYM Podcast (81): Now is the Time to Enroll in Medicare Part B If You’re Late
You Can Enroll Through March 31, 2019From January 1 through March 31, you can enroll in Part A and Part B if you have not done so, but should have. The effective date for Part A and Part B will be July 1, 2019. In addition, the Late Enrollment Penalty will continue to accrue until July 1, 2019. For those on COBRA, the pod explains that COBRA is very complicated, and doubly so for married couples. If you are enrolling in Part B late, then there is a Special Election Period which begins on April 1, and enrolling in a Medicare plan may be important for multiple reasons. Please rate the podcast on Apple Podcast and subscribe to the MYM Newsletter at www.maximizeyourmedicare.com! [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
16:47
January 17, 2019
MYM Podcast (80): 2019 Edition of Maximize Your Medicare is Available. Now.
Great Deal at walmart.com! (Click HERE). $0.99 if you use a first-time buyer code for the NEW 2019 Edition of Maximize Your Medicare. The version has been re-organized, and includes new information about the Open Enrollment Period (runs Jan 1 - Mar 31), as well as the increasingly complex situation when you work beyond 65 years old. Please subscribe to the podcast on Apple Podcasts, Google Podcasts, and everywhere that you listen! Happy New Year! [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
21:13
January 11, 2019
MYM Podcast (79): What You Can Still Do
The Medicare Annual Election Period (AEP) ended on December 7th. However, a NEW enrollment period will begin on January 1. The pod describes what can still be done. SUBSCRIBE TO THE YOUTUBE CHANNEL: https://www.youtube.com/user/MaximizeYourMedicare
18:17
December 9, 2018
MYM Podcast (78): The End of #Medicare AEP & Individual Health Insurance Selection
Every Year, A Special Appearance! Medicare Annual Election Period (AEP) ends on December 7th. You can select a Medicare Advantage plan OR a standalone Prescription Drug Plan (Part D), and change as many times as you like, the last one selected will be the one in effect on January 1, 2019. In addition, there will be a NEW Open Enrollment Period that begins on January 1, 2019. However, there are differences that people need to understand. The individual health insurance Open Enrollment Period ends on December 15th. Be sure to subscribe to the MYM Podcast on Apple Podcasts and rate! Don't forget the YouTube channel (link).
16:09
November 24, 2018
MYM Podcast (77): Thousands of Dollars Saved = Thousands of Dollars Earned
This Happens Sometimes it takes just one friend. That friend has listened to me present ** Medicare ABC's (https://youtu.be/9LtNTAkYD0w) on multiple occasions. He kept telling his female friend that having Medicare Part A, Part ,B and Part D alone was not a good idea. This year, he told his friend, "If I have to drag you there physically, I'm going to do it.” She relented, and called. After 10 minutes on the phone, she revealed joint replacement surgery, scheduled for November 28th. She said “I also don't have any money, and the last time, I had bills in the thousands.” Read More: http://mailchi.mp/0da1923a087e/maximize-your-medicare-newsletter-nov-10-2165513
10:27
November 10, 2018
MYM Podcast (76): Medigap Contracts Are Identical, Carriers Are Not
If your acceptance is not guaranteed due to federally-protected rights (Medigap Open Enrollment or Guaranteed Issue): a. Carriers can ask what they want regarding your health, b. Carriers can deny your application. These are known, what is not well-known is that they are not asking the same questions. To simply "get lucky" and get accepted under this idea is too risky, because when you apply, you are agreeing to the release of the fact that you have applied to a centralized location (MIB Group), that is used to prevent insurance fraud. Bottom line: it is more subtle than you see on YouTube. Be sure to subscribe to the MYM Podcast on Apple Podcasts and leave a review!
23:13
October 18, 2018
MYM Podcast (75): Annual Election Period Can’s and Cannot’s
Annual Election Period begins October 15, ends December 7, 2018. What you can and cannot do. Switch among Medicare Advantage plans Switch among Part D plans Switch into Medigap from Medicare Advantage (BE CAREFUL) A new, separate Open Enrollment Period will run from Jan 1 - Mar 31 Can switch among Medicare Advantage plans Cannot switch among Part D plans Can enroll in Parts A & B if you have made errors in the past Be sure to rate and ask questions on Apple Podcasts. Check out the YouTube Channel. http://www.maximizeyourmedicare.com [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
20:55
October 14, 2018
MYM Podcast (74): Medicare ABCs 2019
The video version of this podcast is on YouTube.  Here is the Link (click here). This video is brought to you by the Great Humanity Healthcare Foundation (www.greathumanityhf.org). [/fusion_text][fusion_youtube id="https://youtu.be/9LtNTAkYD0w" alignment="center" width="550" height="550" autoplay="false" api_params="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
01:06:12
October 11, 2018
MYM Podcast (73): Medicare 2019 How to Part D
Part D is complicated: The business of pharmaceutical distribution is opaque. Pricing of a single drug can vary wildly, even within the same plan, depending on where you buy that medication. There are almost certainly more than 25 Part D plans, per state. This Podcast: how to avoid making expensive errors. This Tuesday Oct 9, Noon (EDT): LIVE YouTube Broadcast. Medicare ABCs. All components. Here's the link: https://youtu.be/ivgLBLwhYBA Be sure to subscribe to this podcast, and rate/review on Apple Podcasts or anywhere you listen to podcasts (Stitcher, Google Play, TuneIn, etc etc).
15:32
October 5, 2018
MYM Podcast (72): LIVE Webinar on Oct 3, Noon (EDT)
Registration is required. CLICK HERE TO REGISTER. On the podcast, my 2018 Ryder Cup analysis, and why the Webinar matters.
07:55
September 29, 2018
MYM Podcast (70): Medicare Advantage 2019 and Dispelling Myths About Brokers
Medicare Advantage in 2019 Is Certain to Bring: Enhanced benefits unseen in the past Increased confusion by consumers when comparing Medicare Plans Brokers will be required, because not only is Medicare Advantage evolving, with higher levels of competition, but the Enhanced benefits mentioned here need to be ACTIVELY compared, and that means multiple carriers. A captive agent cannot do this, it is like a Ford-only salesperson attempting to recommend a Subaru.
24:35
September 19, 2018
MYM Podcast 69: Medigap Plan N vs Medigap Plan G
Candidly: I don't understand why Plan N and Plan G are not more carefully explained. I suspect the reason is that the other people that are explaining don't actually understand the process. This is ultimately a consumer choice, and deciding whether keeping $10/month is "worth it." Leave feedback and ask your questions! Be sure to like, share, and subscribe to the Maximize Your Medicare podcast. From this point forward, we’ll be here frequently. Subscribe to the Newsletter here (you will not receive advertisements, your information is not distributed to others): http://www.maximizeyourmedicare.com
17:26
September 17, 2018
MYM Podcast 68: Medigap Plan F vs. Plan G
There's more than just the Part B deductible involved, and it isn't publicized much. I suspect the reason is that some people don't know what to do about it, or how to resolve it, producers frequently sell and run. For some, it may be irrelevant. For others, however, Plan F may be worth the extra cost. And some comments about 2020 at the end of the podcast, remember that Plan F will not be available to new applicants at that point. The audio isn't as good as the pure-podcast: it is also on Video with slides (will come out after some cleanup). Leave feedback and ask your questions! Be sure to like, share, and subscribe to the Maximize Your Medicare podcast. From this point forward, we’ll be here frequently. Subscribe to the Newsletter here (you will not receive advertisements, your information is not distributed to others): http://www.maximizeyourmedicare.com
29:22
September 13, 2018
MYM Podcast 67: Social Security Disability and Medicare
Social Security Disability and Medicare After 24 months of receive Social Security Disability Insurance (SSDI) benefits, you become eligible for #Medicare. However, you need to be careful of the rights and options you have. Importantly, the Late Enrollment Penalty "timeclock" will start. Some pointers on those, what you can and cannot do. There is a YouTube Video, and this is the audio-only portion of that broadcast.  Here's the link: https://youtu.be/BKrxtUEmhC4 Leave feedback and ask your questions! Be sure to like, share, and subscribe to the Maximize Your Medicare podcast. From this point forward, we'll be here frequently. Subscribe to the Newsletter here (you will not receive advertisements, your information is not distributed to others): http://www.maximizeyourmedicare.com
19:05
September 11, 2018
MYM Podcast 66: Medicare and Working Full-Time at 65
[fusion_builder_container hundred_percent="no" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" overlay_color="" video_preview_image="" border_size="" border_color="" border_style="solid" padding_top="" padding_bottom="" padding_left="" padding_right=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" border_position="all" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="no" min_height="" hover_type="none" link=""][fusion_text] The First of a Series People will continue to work beyond 65 years old. Since Full Retirement Age (FRA) under Social Security has increased, and since many have a limited amount of retirement savings, this will continue to be true. Leave feedback and ask your questions! Be sure to like, share, and subscribe to the Maximize Your Medicare podcast. From this point forward, we'll be here frequently. YouTube Channel!!! There will be YouTube-unique content, and you can see it here! (Link) [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
19:18
September 10, 2018
MYM Podcast 65: 2019 Will Bring More Choices
[fusion_builder_container hundred_percent="no" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" overlay_color="" video_preview_image="" border_size="" border_color="" border_style="solid" padding_top="" padding_bottom="" padding_left="" padding_right=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" border_position="all" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="no" min_height="" hover_type="none" link=""][fusion_text] We discuss the Great Humanity Healthcare Foundation (www.greathumanityhf.org) and changes that 2019 will bring. The end of the individual mandate will mean that married couples will have more options. We go through an example where one spouse, Medicare eligible, is working, while the other spouse is not, but covered by the employer. Sign up for the free weekly newsletter (www.maximizeyourmedicare.com) Be sure to subscribe on iTunes and give this podcast a 5-star review! [/fusion_text][/fusion_builder_column][fusion_builder_column type="1_2" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding="undefined" dimension_margin="undefined" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
14:52
September 6, 2018
MYM Podcast 64: COLA, Medicaid, Great Humanity Healthcare Foundation
[fusion_builder_container hundred_percent="no" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" overlay_color="" video_preview_image="" border_size="" border_color="" border_style="solid" padding_top="" padding_bottom="" padding_left="" padding_right=""][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" border_position="all" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="no" min_height="" hover_type="none" link=""][fusion_text] I was a guest on the Art Lewis Show on April 15th. We discussed Social Security COLA, and what to do if your Medicaid eligibility changes. We also discussed the new Great Humanity Healthcare Foundation (www.greathumanityhf.org). Be sure to subscribe on Apple Podcasts and rate the podcast! [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
36:32
April 23, 2018
MYM Podcast 62: Thanksgiving 2017
Happy Thanksgiving Everyone! Medicare 2018 Details Are Released Part D is More Complicated Medicare Advantage Plans Have Improved Employer-Sponsored Plans Are Worse Gobble Gobble!!!
12:19
November 23, 2017
MYM Podcast 61: Healthcare Reform Mess and Medicare
The MYM Podcast Returns... Why the Long Delay? Incredible Crossfire and Abuse of Platforms by Partisans from Every Angle Healthcare Reform Will Affect Certain Medicare People Healthcare Reform Will Affect Retirement Decision-Making If you are a caregiver, or an adult child to a senior parent, be sure to listen/read/subscribe! Be sure to subscribe and rate this Podcast on iTunes! Subscribe to the MYM Newsletter: http//www.maximizeyourmedicare.com
16:05
July 5, 2017
MYM Podcast 59: Even the Experts Chase Hot Takes
You Know It's A Problem When... Kaiser Health News is as good as it gets, but it created the wrong title for this article. That is a huge problem, because if we cannot rely on KHN as a very good news source, then where is an everyday person to go (other than here, obviously). Here's a link to the article: http://khn.org/news/hospitals-worry-repeal-of-obamacare-would-jeopardize-innovations-in-care/ Be sure to subscribe to the Maximize Your Medicare Newsletter (free), and subscribe to this podcast on iTunes.
12:31
February 1, 2017
MYM Podcast 57: Medicare Advantage Disenrollment Period Ends Soon
Maximize Your Medicare Podcast 57: Medicare Advantage Disenrollment Period It ends on February 14th, but if you want to do this, then you need to start as soon as possible. Explanation is in the pod, and further comments on why caution is required. Also: Repeal and/or replace of the ACA can potentially affect Medicare Advantage. Register and check out GH2 Unfiltered. Be sure to subscribe to the MYM Podcast on iTunes!
23:04
January 14, 2017
MYM Podcast 56: The ACA (and Medicare) War and How We Got Here
The ACA (and Medicare) War Has Begun We need to understand how we got here. People don't understand what health insurance is (it is a financial contract). People confuse financial contracts with the healthcare system (which is your physician/hospitals, and the service they deliver). The ACA is about health insurance, not about healthcare. The ACA is a tax, but since people don't understand that health insurance is a financial contract, they didn't understand that the ACA is a tax to assist distributing health insurance to others. Who is to blame? Well, both supporters (that includes POTUS, and the opponents. Dont' forget to subscribe to the podcast!
12:56
January 10, 2017
MYM Podcast 55: AEP Radio Interview
I was the guest on The Art Lewis Show. You can listen here. Don't forget to subscribe to the podcast!
32:12
October 23, 2016
MYM Podcast 54: Obamacare’s Bad Week, and Medicare
Obamacare Had a Week Week: Does It Matter? Aetna announced its plans to withdraw entirely from health exchanges for pre-Medicare applicants. Does this really matter? Well, given the fact that that Medicare was the very reason for attempting to merge with Humana, another large Medicare plan provider, the answer must be yes. The podcast clears up some commonly-held, wrongly-placed beliefs. Bottom line: this is business, and not politics, by the carrier. Those attempting to mix the two? They probably are misusing the data to try to prove a point that has nothing to do with financial facts. People attempt to take credit where none is due, and assign blame where it doesn't belong. And again, healthcare is not health insurance. Healthcare policy is definitely not health insurance. Aetna, Humana, et al are health insurance providers, not healthcare providers and not healthcare policy decision-makers. Be sure to subscribe to the podcast, and the free newsletter, available online. http://www.maximizeyourmedicare.com
22:16
August 22, 2016
MYM Podcast 53: My latest radio interview
Not Only In Michigan People can say I'm just a fear-monger. People can say "You're a seller, of course that is your view." The flip side of that coin is: "Maybe he has been paying attention, listening to the how confused everyone is, how under-informed everyone is, no matter where they are, no matter what their health or financial circumstances are, just maybe." Listen to the Confusion You'll hear the confusion, you'll hear the worry. If you think this is unique to this episode, which affects over 200,000 people in Michigan, you are may be right, but I will completely disagree with that view. Don't forget to subscribe to the free Maximize Your Medicare Newsletter here.
47:06
July 23, 2016
MYM Podcast 51: Disability, Medicaid, & Medicare
Be sure to contribute (perks start at $10) to the 2nd book, Medicare Mayhem: Solutions for Stakeholders: copy and paste this link: https://igg.me/at/medicaremayhem When You Turn 65, Start Over (It's Good, Not Bad) You get to start over. Your selections are both wider and unlimited. Listen for details. Be sure to subscribe to this podcast on itunes or for your android.....
09:55
June 28, 2016
MYM Podcast 50: Brexit, Medicare & Retirement Planning
This Just In: We Don't Live in Isolation If you think we are immune from the ripple effects of #Brexit, you're mistaken. For starters, interest rates have gone lower, from already-incredibly low rates. The result? Retirement savings cannot generate earnings required to pay for retirement. Worse, if your advisor is telling you that you can invest for growth to pay, then that is also impaired. While we cannot control foreign financial markets, we can control which advice we believe to be credible, and which information isn't. The crowdfunding campaign to support the 2nd book, Medicare Mayhem, is here. Please contribute, every penny counts! Perks start at $10, click here! The website for the book is here: Medicare Mayhem: Solutions for Stakeholders
13:50
June 26, 2016
MYM Podcast 49: OJ Simpson and Medicare
What Does OJ Simpson Have to do with Medicare??? I spend a lot of time (arguably, an excessive amount) watching ESPN. A much heraleded, 5 episode documentary called O.J. Simpson: Made in America was recently released, so I have been busy. Anyways, I was thinking about how in the world the prosecution lost. And then I thought about the job the defense's legal team did, and of course, the jury's responses. Under Medicare: you are the jury, Marcia Clark and Johnny Cochran are the Stakeholders. You have biases and be influenced by the advocates, and there are many, all giving you their perspective on what is best. That leaves you with the task of putting it together.
12:27
June 21, 2016
MYM Podcast 48: My interview on Jennings Wire
JenningsWire.com is a great site, a really diverse set of information on a wide variety of topics. Stacy and I have worked together and the site is full of very helpful information. The link to the website is here!
09:39
June 6, 2016
MYM Podcast 47: My interview on Community Health Radio
Community Health Radio Podcast I was interviewed for a podcast and it is posted here, and on their website. Heritage Health is North Idaho’s premier provider of integrated medical, dental, and behavioral health services. Be sure to subscribe to the Maximize Your Medicare Podcast on iTunes, and feel free to send us your questions!
23:42
June 2, 2016
MYM Podcast 46: Beginner’s Corner Interview With Deb St Hilaire
Interviewed on W4DIVAS.com Deb is a friend, and her audience appeals to those that believe in women helping themselves. Women know better than I: women are more frequently the caregiver to extended families. We talked about how to get signed up for Medicare, and important things that need consideration. Too frequently, people simply think that their spouse has them covered. That will depend on MANY things. Even in the case that this is true, that doesn't always mean that it is best. Be sure to subscribe to the podcast on iTunes, and send us your questions!
58:52
May 21, 2016
MYM Podcast 45: The Big Short and Medicare
This Isn't a Book or Movie Review Podcast, BUT... The book and the movie The Big Short appeal to our favorite national pastime, namely "Find Someone to Blame." When you attempt to use this attitude, without the complete set of facts, while considering Medicare, you may be making a mistake, and that mistake can feed on itself. And who suffers the consequences? Take one guess....
12:53
May 9, 2016
MYM Podcast 44: Mistakes People Make, and Prince
People Make Expensive Mistakes The podcast describes a situation where the married Medicare beneficiary has not been completely informed, and then the family makes the error even worse. Ugh. Don't forget to share this!
21:12
April 24, 2016
MYM Podcast 42: This is a Ridiculous, Harmful Email about Medicare
I received an email, titled "A Great Email from a Fellow Senior in Mesa, Arizona." It is totally, utterly wrong. It will do much more harm than anything else. Here's why.
12:21
April 4, 2016
MYM Podcast 41: #Medicare Problem Looming for Small Business Employees
CIGNA had sales of its Medicare Advantage and Part D plans suspended by the CMS. That isn't very comforting, of course, but it highlights the severe penalties that the CMS can impose. Employees of small businesses have the right to delay enrollment in Part B if they are covered by the health insurance provided by the employer. However, beginning in July 2017, the existing plan may not provide coverage in certain instances. SO, that means an unexpected surprise is very likely to arrive in Q3 2016. Questions, feedback: jae@maximizeyourmedicare.com Don't forget to subscribe on iTunes!
50:24
March 28, 2016
MYM Podcast 40: Don’t Trust the Billing Department & GEP
This Happens: billing departments, patient advocates, Division on Aging (MAPP) don't have the correct, updated information. This is particularly worrisome, since many patients rely on this (incorrect) information. Also, the General Enrollment Period ends on March 31st. For those that have not enrolled in Medicare Part A and/or Part B when first turning 65, or after they retire (if after the age of 65), then these are some guidelines. Questions, feedback: jae@maximizeyourmedicare.com Don't forget to subscribe on iTunes!
11:43
January 19, 2016
MYM Podcast 39: Medicare Advantage Disenrollment
January 1 - February 14: Medicare Advantage Disenrollment Period Happy New Year! If you want to switch to Medigap, you need to do so NOW. The reason: there are multiple steps, and the order matters. Questions, feedback: jae@maximizeyourmedicare.com
10:03
January 1, 2016
MYM Podcast 38: 2016 Edition is Here, Now.
Medicare changes keep coming, and you can expect more in the future. THE MARKET CHANGES because there are 55 Million Medicare beneficiaries, 10000 turn 65 years old every day, and oh yeah, the government is running a deficit (if you didn't already know this. Add in the fact that carriers are competing for your business while they are trying to remain profitable, and you don't need to know anything about insurance to understand that changes are inevitable. Subscribe to the Maximize Your Medicare Podcast click HERE.
09:07
December 27, 2015
MYM Podcast 36: The “Doc Fix” and Medicare
Medicare's "Doc Fix" will affect Medicare beneficiaries, because the bottom line is that someone has to pay. This should not be a surprise to anyone, so the question is how to deal with the inevitable. Subscribe to the Maximize Your Medicare Podcast click HERE.
10:36
March 21, 2015
MYM Podcast 35: Supreme Court, PPACA, and Medicare
The PPACA is being challenged in the Supreme Court. My comments. Subscribe to the Maximize Your Medicare Podcast click HERE.
14:21
March 7, 2015
MYM Podcast 34: Long-term care insurance, Genworth, and Medicare
Genworth is a carrier of Long-Term Care insurance. It continues to report losses, and I describe how this could've happened, and how it affects Medicare beneficiaries. Subscribe to the Maximize Your Medicare Podcast click HERE.
13:18
March 6, 2015
MYM Podcast 33: Medicare Advantage Disenrollment
Deadline February 14th You can disenroll from your Medicare Advantage plan, but some special care is required. I have assisted many in this process. Here are some important points to remember. You can subscribe to the MYM Podcast here.
11:44
February 3, 2015
MYM Podcast 32: My interview on NPR Atlanta
Radio Interview on NPR Atlanta, WABE 90.1 I was interviewed this morning on WABE, Atlanta's NPR affiliate. Thanks to noted host Steve Goss. They were good enough to keep all of my comments during the interview and post it on its website, www.wabe.org.... Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
13:28
November 13, 2014
MYM Podcast 31: Radio Interview KFNN Phoenix
Radio Interview on KFNN Phoenix 1510 AM I was interviewed this morning on Phoenix' 1510 AM on its "Business for Breakfast" show. Thanks to Ken Morgan and Julie Dougherty for having me on their great show.... Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
06:52
November 12, 2014
MYM Podcast 30: The Maggie Linton Show on SIrius XM
Radio Interview on Sirius XM with The Maggie Linton Show I spent some time on Sirius XM's The Maggie Linton Show. Many thanks to her for her show, and having me appear! Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
17:49
November 5, 2014
MYM Podcast 29: Radio Interview, Annual Election Period Edition
Radio Interview, Annual Election Period I have been doing a lot of radio interviews recently, New York, Los Angeles, Pittsburgh, et al. Art Lewis and I have spent over 6, 1-hour sessions together. Our latest was this past Saturday, and we discussed the Annual Election Period. Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
36:13
November 3, 2014
MYM Podcast 28: Annual Notice of Change (ANOC) and Rx
The Annual Election Period Begins October 15th You will be sent an ANOC (Annual Notice of Change) for your prescription benefits, whether it is part of your Medicare Advantage plan, or stand-alone drug plan (Medicare Part D). Listen to why you shouldn't throw it into the trash: it can be costly. Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
09:41
September 24, 2014
MYM Podcast 27: What Happens If My Medicare Benefits Change Mid-Year???
My Appearance on David Holland's Real MoneyI re-appeared on David's Real Money, and we discussed a specific example about Medicare Advantage. More generally, Medicare beneficiaries can face dramatic changes mid-year, and we discussed what can be done.Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to SubscribeFurther information can be found on the official website: http://www.maximizeyourmedicare.com
25:46
August 13, 2014
MYM Podcast 25: Don’t Give Away This FREE Medicare Option
Totally Confused? Buy Yourself Time...Free Many people don't know where to begin, and the questions continue from there. One very popular one: which is better, Medicare Advantage or Medigap? That is complicated, and seniors are faced with many, many options. If you absolutely not decide, or if you are running out of time to decide, then you can use the 12-Month Trial Period, one of Medicare's Special Enrollment Periods (SEP). Find out how it works, and why this is important. Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
16:53
June 22, 2014
MYM Podcast 24: Veterans Administration (VA) and Medicare
The VA Debacle and Medicare I think it has to be called a debacle, right? Infuriating, sad, tragic. The Veterans Administration situation may lead to questions about what veterans can do. Veterans are specifically addressed in my book, Maximize Your Medicare, and in this podcast. Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
13:22
June 12, 2014
MYM Podcast 23: Just the FAQs
"I Don't Know Where to Start" If you are turning 65 years old, If you have a Medicare-eligible parent that you want to help, If you face healthcare costs you don't understand under Medicare, If you need information that you can use, in language that you can understand, "I'm All Set": Probably Wrong a. Employers change (or eliminate) retiree benefits b. Medicare Advantage and Medicare Part D (Rx) change every year c. PPACA means that pre-Medicare family members can get private insurance This is just for starters... Monday, June 16, 5PM EDT I have conducted this program everywhere (libraries, senior centers, conferences, senior programming at colleges), with all types of audiences. You can see a short list on other pages of this blog. I will leave my phone number on during the broadcast, and you can bring me your questions. $2.99 PPV Webcast Just click here to register. I need to charge because the host charges me, and I want to keep the spammers out. Listen to me speak about the webcast: Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe Further information can be found on the official website: http://www.maximizeyourmedicare.com
06:22
June 8, 2014
MYM Podcast 22: How to Help Our Aging Parents
"What Can We Do For Our Aging Parents?" I got asked this question, and many related questions, on an internet radio station. Even if you want to help a senior parent, it is difficult to know where to begin. I make suggestions on how to start, and what to ask. You can subscribe to this podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
54:07
June 5, 2014
MYM Podcast 21: Guest Susan Im, Immigration Attorney and Asian-American Advocate
I Know Her as "Sue," But She's An Adult Now... We talk about Susan's professional practice in Immigration Law, and let her talk to how the process currently plays out. She also talks about a variety of outreach programs for minorities and newcomers to the U.S. Website: www.imlaw.biz I remind her (opaquely) that I used to call her when we were younger (we attended college together), and she never picked up the phone....good thing she still has a good sense of humor. You can subscribe to this podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
25:32
May 15, 2014
MYM Podcast 20: Guest Brian Sheridan, Occupational Therapist and owner, Level11 Physical Therapy
Guest: Brian Sheridan, Owner of Level11 Physical Therapy We talk about Brian's personal history, his full-time use of a wheelchair, and how it led to his career as owner of Level11 Physical Therapy. There is more information about different types of Physical Therapy clinics, and some ways to reach him. www.level11pt.com is the website of his practice. Enlightening stuff, and some hints on what to look for if/when you require physical therapy. You can subscribe to this podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
22:53
May 6, 2014
MYM Podcast 19: Guest Deb St. Hilaire, author of Divaluation
This Just In: Women Fill Lots of Roles I spoke with Deborah St. Hilaire, author of Divaluation, and life coach. We talked about the many, many, many different roles that a working female plays, weirdly made more extreme by the progress made by those women who can. I learned a lot, Deb mentions that she has ways for people facing similar issues to connect. Good stuff. We will do it again when she launches her online radio station. You can listen to this episode here. You can subscribe to this podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
16:54
April 29, 2014
MYM Podcast 18: Radio Interview WNPV with George Toth, CFP
Radio Interview, April 21, 2014 Every financial planner has his/her own perspectives. You can listen to my comments on Medicare here. The focus is on correct enrollment, and the penalties that can occur. You can listen to this episode here. You can subscribe to this podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
34:49
April 22, 2014
MYM Podcast 17: Get Extra Help for Rx, and It Gets Better (FIXED)
The previous link was broken (sorry). This is now fixed. For Those That Qualify for "Extra Help," Rx Aid is Just the Beginning As the cost of specialty prescriptions skyrockets, according to a New York Times in an article yesterday, April 15, this podcast covers a federally-funded program called Extra Help which can help towards those costs. In addition, there are additional benefits that are part of this. Many of these are unknown, and Medicare beneficiaries should take full advantage. Listen to the podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
09:26
April 16, 2014
MYM Podcast 16: 12-Month Trial Period
First Time in a Medicare Advantage Plan? You Can Change.... Very few people know that the Medicare rules regarding enrollment are largely in a consumer's favor. A perfect example is here. If it is your first time in purchasing a Medicare Advantage plan, and it has been in effect for less than 12 months, the you can change to another Medicare Advantage plan, OR return to original Medicare, and couple it with a Medigap & stand-alone prescription plan (Medicare Part D). No calendar restrictions. Listen to the podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
09:58
April 9, 2014
MYM Podcast 15: MyMedicareAnswers.com and Observation Status (again)
Expert Contributor and Observation Status You can see me and my comments, as well as my answers to questions from readers online: http://www.mymedicareanswers.com. Interesting site, powered by Humana, Inc, the nation's second largest carrier of Medicare Advantage plans. I am one of 6 Expert panelists asked to contribute. I can say that the site isn't a marketing tool of Humana's offerings, but rather, it's a good site with unbiased information. You can also hear the latest and (not greatest) update on Observation Status, an important term that Medicare beneficiaries must clearly understand. You can listen to Podcast 15 here. You can subscribe to the Maximize Your Medicare podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
10:20
March 26, 2014
MYM Podcast 14: Radio Interview
Sorry for the delay I have been very busy with clients: I return with a recording of my interview this past Saturday. Next podcast will be soon, because March 31st is an important date, for a variety of reasons. You can listen by clicking here. You can subscribe to the Maximize Your Medicare podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
50:24
March 10, 2014
MYM Podcast 13: Radio Interview on David Holland’s Real Money
Thanks to David Holland's Real Money David hosts a radio talk show in central Florida, and we had a very enjoyable conversation about Medicare. You can listen by clicking here. You can subscribe to the Maximize Your Medicare podcast here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
25:01
February 10, 2014
MYM Podcast 11: Why Would I Cancel My Retiree Group Coverage?
If You Require Substantial Medical Care.... The total out-of-pocket expenses can exceed the difference in premium. Many people believe that they cannot make a change in coverage if this happens to you. That is not quite right, but you will need to think of a number of different issues. That said, the financial difference may make it worth the effort. You can listen here. Send me your questions: jae [at] maximizeyourmedicare [dot] com Further information can be found on the official website: http://www.maximizeyourmedicare.com
44:57
January 18, 2014
MYM Podcast 10: Radio Interview on WSGW AM790 Healthline
Rather than talking to myself... You can hear my interview on Healthline, a radio show on WSGW AM790, with host Art Lewis. He is a Medicare beneficiary, and a very knowledgeable one! So, our conversations are usually very interesting, especially when the interviewer is this good. Click here to listen. Further information can be found on the official website: http://www.maximizeyourmedicare.com
44:57
January 12, 2014
MYM Podcast 9: Medicare and Financial Planning
You should resist the temptation of chasing equity returns if that means ignoring Medicare or healthcare cost planning, because the downside of ignoring Medicare, what it covers, and what it does not, can make portfolio returns moot. Listen here to the podcast. Further information can be found on the official website: http://www.maximizeyourmedicare.com
09:59
January 9, 2014
MYM Podcast 7: Can I Still Sign Up for Medicare Part B (Yes) and….
Let's Say You Never Enrolled in Medicare Part B Let's Say You May Want to Switch from Medicare Advantage to Medigap. Your time is coming up soon, January 1, 2014. You don't have that much time to decide, so it is best that you know your options beforehand. You can listen to details here. Further information can be found on the official website: http://www.maximizeyourmedicare.com
08:55
December 26, 2013
MYM Podcast 6: Can I Still Change Medicare Coverage Now?
Surprise: The Rules Work For You, Not Against People keep the age-old thought that they have to use the Annual Election Period only in order to make changes to their Medicare configurations. Nope. The reality is that you have options under the current rules, and in some situations, it is highly favorable to do so. MYM Podcast 6 tells you about some ways that you can make a change even after the Medicare Annual Election Period is over, with a few examples included. Click here to listen.   Further information can be found on the official website: http://www.maximizeyourmedicare.com
10:15
December 17, 2013
MYM Podcast 4: Observation Status Correctly Explained
Outpatient Hospital Rules Have Changed For some unknown reason, newspapers and local TV stations continue to report that this is a problem. Don't get me wrong, it remains to be the source of confusion. HOWEVER, the story should be that the rules have improved substantially, and that if you stay over two midnights, then you will be presumed to have "inpatient" status, thus avoiding much of the controversy. Click here to listen. Further information can be found on the official website: http://www.maximizeyourmedicare.com
11:02
December 9, 2013
MYM Podcast 3: Annual Election Period Ends TODAY
Last-minute tips to make sure that you have kept your options open. The Medicare Annual Election Period ends today. Click here to listen. Further information can be found on the official website: http://www.maximizeyourmedicare.com
09:31
December 7, 2013
MYM Podcast 2: Annual Election Period Ending Soon
This episode focuses on what to do during Medicare Annual Election Period, which ends on Midnight, December 7th. That is this Saturday. Click here to listen. Further information can be found on the official website: http://www.maximizeyourmedicare.com
09:13
December 5, 2013
MYM Podcast 1: Medicare Advantage Cuts Doctors
The first podcast will discuss UnitedHealth Care's decision to eliminate many doctors from its Medicare Advantage plans. This news was released last week, and is no surprise. Bottom line: more to come. Click here to listen. Further information can be found on the official website: http://www.maximizeyourmedicare.com
04:54
November 30, 2013