Podcasts by Medicare For The Lazy Man Podcast

Ep. 584 - INSULIN: will your Advantage plan drop the one you need? from 2023-12-10T20:42:27

When the government forces companies to sell some drugs, like insulin, at a loss, don't expect private enterprise to just take it on the chin!

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Ep. 583 - Killing off neighborhood&small-town drug stores? PBMs! from 2023-12-07T20:34:29

Find out what part PBMs play in the pharmacy business and what effect one author thinks they play in squeezing out independent drug stores.

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Ep. 582 - Want to irritate the spouse? Say you plan to live to 100! Here’s how: from 2023-12-05T17:37:52

We dissect 10 behaviours that purport to offer an opportunity to extend you life to and past age 100!

Also, if you like to fish, check ...

Ep. 581 - Treatment delayed or denied! Surveys say it happens all the time! from 2023-12-03T22:16:47

Prior Authorization and Utilization Review: tools that allow Medicare Advantage plans to hang on to their cash until the patient either appeals the decision or just goe...

Ep. 580 - Ignore end-of-year BS: Your High Deductible supplement is good forever! from 2023-11-30T17:12:58

When the junk mail floods in warning you that your "Medicare plan" should be shopped around, they are not talking about the plan Doug Jones recommended!

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Ep. 579 - The cheapest Part D drug plan - DIY enrollment instructions! from 2023-11-28T21:28:48

For a cheap or free Part D drug plan, call: (866) 859-9084 -OR-

go to:  https://www.wellcare.c...

Ep. 578 - Stuck listening to an Advantage salesman? What should you be asking about? from 2023-11-27T12:45:27

Here is a Medicare Advantage tutorial that may help the unfortunate victim. 

What are the various benefits AND limitations of the MA pl...

Ep. 577 - Save almost $4K per year? One client’s healthy mother can do just that! from 2023-11-24T15:15:52

Also, take steps to thwart scammers targeting Medicare participants.

United Healthcare, the country's largest insurer, uses AI to limit...

Ep. 576 - Plan G was reasonable, now it is killing me! Get me into HDG! from 2023-11-21T18:40:11

Same questioner: How can a Part D prescription drug plan cost $ZERO?

Also, a husband went into cardiac arrest while running. Now wants ...

Ep. 575 - Covered by PLAN F? Let’s get you changed before you go broke! from 2023-11-19T15:49

Also, our buddy Steve uncovered the Medicare Advantage trial right: an escape hatch for victims of sleazy salesmen!

Client Jack learned...

Ep. 574 - UHC patient rehab care run by computer algorithms, not medical pros! from 2023-11-16T18:20:41

Patients' surgical recovery times limited in order to boost profits in UHC Medicare Advantage plans, according to whistleblowers.

The V...

Ep. 573 - Medicare supplement (Medigap) questions&answers. from 2023-11-14T20:21:47

Question: Is it possible that High Deductible Plan G is a good choice for a person with severe health problems?

Question: What are five...

Ep. 572 - Heart bypass; A firsthand account of this miracle surgery! from 2023-11-12T18:48:19

In-studio guest Randy describes the symptoms he experienced leading up to the heart bypass surgery he underwent.

Also hear about the un...

Ep. 571 - DEEP SLEEP: a weapon in the war against dementia? from 2023-11-10T16:49:35

Learn interesting details about the need for sleep and the effects of sleep deprivation. 

Also, government bureaucrats contemplate rein...

Ep. 570 - Insurance giant Cigna may kick Med Advantage plans in the shorts! from 2023-11-07T22:34:53

"Deny, deny, deny" one hospital exec characterizes Advantage plans which are crippling rural hospitals in many states.

They often refus...

Ep. 569 - Negative book reviews vs. positive remarks from clients! from 2023-11-05T22:44:56

A valued MLM client is being pummeled by frequent rate increases; However, there is hope on the horizon.

Finally, does someone pummel y...

Ep. 568 - Contract cancellations increase; Medicare advantage plans rejected! from 2023-11-03T13:54:34

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)  

Inspired by:

"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on A...

Ep. 567 - How to write an insurance appeal letter - for Med. Advantage plan holders! from 2023-11-01T08:57:46

Plus: Eight steps to enroll in Medicare & an extensive Medicare Q & A.

How about some catfish noodling?

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Ep. 566 - One drug plan - COMPLETELY FREE OF CHARGE - most places in 2024! from 2023-10-29T17:36:02

If you take no prescription meds or maybe only some cheapo generics, check out the WELLCARE VALUE SCRIPT prescription drug plan for 2024.

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Ep. 565 - Doctors relationships with Medicare: there are three kinds only. from 2023-10-27T09:57:45

Enjoy hearing: how I never charge a fee to my Medicare supplement clients, why I ask if I can send a text to a person's phone number and how little the "deductible" inc...

Ep. 564 - Once more: SCIENTIFICALLY SELECT YOUR OWN BEST DRUG PLAN! from 2023-10-24T17:42:01

An instructional monologue for the audience as well as our newest MLM staff member: the best plan is always the cheapest plan!

A critic...

Ep. 563 - ERRORS MOST COMMONLY MADE BY MEDICARE PARTICIPANTS! from 2023-10-22T16:05:39

It is hard to believe there are so many ways to screw up when one enrolls in this government program.

Why hasn't the government done a ...

Ep. 562 - ”NO ADVANTAGE PLANS ALLOWED” Scripps in San Diego joins a growing list! from 2023-10-20T08:01:43

Compare your symptoms- Covid vs. RSV vs. flu: which do you have?

Plus: heroic insurance agent shows 92-year-old lady in North Carolina ...

Ep. 561 - BIG NEWS: Medicare Advantage plans accused of repeated dishonesty! from 2023-10-17T17:19:11

From a major firm slapped with a large fine to a list of cheap tricks used to siphon unearned funds from the US Treasury, the number of fiscal sins seems almost endless...

Ep. 560 - Open Enrollment? Nope, this is AEP: ANNUAL ELECTION PERIOD! from 2023-10-15T20:24:32

We open the episode with another cautionary tale making the following point: don't be tricked by the panic peddlers into blindly dialing an "800" number!

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Ep. 559 - Hours of torture: A Medicare Advantage sales call comes to life! from 2023-10-12T17:56:05

Those MA peddlers are required to address every little detail on their lengthy lists. Otherwise, the Secret Shoppers will rat them out!

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Ep. 558 - SCIENTIFICALLY PICK YOUR OWN BEST DRUG PLAN! from 2023-10-11T12:23:50

You, too, can become an expert in selecting the very best PDP (prescription drug plan) from all of those available in your area!

After ...

Ep. 557 - A CRITICAL DECISION: Medicare + supplement vs. Medicare Advantage from 2023-10-08T15:00:33

Make the wrong decision here and you will not be allowed to correct that error in the future. Making the correct decision now will give you the precious freedom of choi...

Ep. 556 - ANOC: Annual Notice Of Change - your drug plan early warning system! from 2023-10-06T06:45:08

Hard to believe but insurance companies can change your plan without asking your permission. ANOC is their sneaky way of announcing those changes!

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Ep. 555 - A HORRIFYING TALE: portrayal of a Medicare Advantage sales appointment! from 2023-10-03T16:12:59

Ever wonder about Medicare Supplement Plan N?

It falls between Plan G & my favorite Plan HDG.

Ever...

Ep. 554 - Would you like some tips to reduce the cost of your medications? from 2023-10-01T18:26:03

The Savvy Senior offers up some hints for the frugal drug buyers out there.

Learn how to approach your favorite provider's staff to mak...

Ep. 553 - ANOC: Annual Notice Of Change - warning of nasty things to come? from 2023-09-28T16:16:43

Your ANOC may not look like fun reading but it can operate like our DEW Line: distant early warning of potentially unpleasant changes to your current drug plan.

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Ep. 552 - Here come the Medicare Advantage body snatchers! from 2023-09-26T17:47:07

AEP (the Annual Election Period) is upon us. This is the time of year when the Medicare Advantage TV ads flood the airwaves in an attempt to lure you into dialing their...

Episode 551 - Medicare vs. the VA: is it really necessary to choose a favorite? from 2023-09-24T20:23:18

Also, myths and misconceptions about dementia.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)  

Inspired by:

"MEDICARE FOR THE L...

Ep. 550 - Many people do not have to enroll in Medicare at age 65! from 2023-09-21T21:33:05

Under some circumstances, those who are actively employed may postpone their encounter with Medicare.

Scam calls and fraudulent letters...

Ep. 549 - Watch out for ABN: Advance Beneficiary Notice (of non coverage)! from 2023-09-20T18:56:06

Econ 101: if the Feds force the drug companies to give away their products cheap, who will be incentivized to make drugs in the future?

A...

Ep. 548 - When is a hospital patient NOT a hospital patient? Only Medicare knows! from 2023-09-17T16:12:31

Ask the hospital staff for a "MOON" form to determine whether the patient is actually admitted or just under "observation"!

Also, a new r...

Ep. 547 - Tragedy! The only great Medicare Advantage plan has been extinguished! from 2023-09-14T18:37:46

This news typifies the disappointment that Advantage plans dish out on a regular basis.

A day brightener: scientists study lots of Chinam...

Ep. 546 - HMO plans promised to change the world and end human suffering! from 2023-09-12T20:09:50

HMO plans in Medicare Advantage: promise to drain the treasury and bankrupt the US medical system while robbing us of our freedom.

Contac...

Ep. 545 - Hope to dodge dementia? Here are 12 lifestyle changes you should make! from 2023-09-10T17:26:39

Also, I answer some questions posed by readers of Medicare for the Lazy Man 2023.

Contact me at: DBJ@MLMMailbag.com

(Most severe c...

Ep. 544 - Doctor visits:Welcome to Medicare vs. Yearly Wellness: a deeper dive! from 2023-09-07T19:46

What does each of these visits entail?

Will they screen for cognitive impairments?

Contact me at: DBJ@MLM...

Ep. 543 - Preventive health screenings: how are they covered by Medicare? from 2023-09-05T21:26:50

Don't forget your "Welcome to Medicare Visit" and "Annual Wellness Visit", also free of charge!

Contact me at: DBJ@MLMMailbag.com

...

Ep. 542 - Sadly, benefits of supplement plans out of reach for many U-65 disabled. from 2023-09-04T10:04:15

Also, California warns the public that unscrupulous insurance agents are spreading false rumors about a state sponsored long term care program.

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Ep. 541 - Enjoy studying Medicare minutia? Here is a new reference book for you! from 2023-09-01T09:27:22

Your doctor's legal relationship with medicare affects how much of his bill you may be asked to pay.

Added attraction:

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Ep. 540 - Looking for some Medicare quotes? You won’t find a better source! from 2023-08-29T19:51:02

We will show you Medicare supplements from some of the most excellent companies in the business.

Then you will find proof positive that H...

Ep. 539 - Harvard prof barfs Medicare misinformation all over the Wall St. Journal! from 2023-08-27T19:18:33

The CDC continues it's attacks on traditional English descriptions in the ongoing class warfare.

Contact me at: DBJ@MLMMailbag.com

Ep. 538 - ”Time Blindness”! Are you afflicted with this newly discovered malady? from 2023-08-25T02:53:02

What is "creditable" coverage and how can Wanda use that to avoid a lifetime PDP late enrollment penalty?

Finally, listen carefully as we...

Ep. 537 - We’re screwed! 60+ million on Medicare now, over 90 million in 2060! from 2023-08-22T19:09:12

Also, how long should you wear your new hearing aids each day?

What kind of shoes should you wear around the house?

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Ep. 536 - Relief for the deaf? Hearing aids become available over the counter! from 2023-08-20T21:48:21

Also, an object lesson in pharmaceutical advertising; promoters of a drug for hot flashes rig a quiz so it looks like EVERYONE has hot flashes!

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Ep. 535 - Want to get rich quick? Start a Med Advantage plan for fun and profit! from 2023-08-18T12:00:23

Of course, sometimes you get caught with your hands in the cookie jar, like one Medicare Advantage plan in Maine a couple of years ago.

C...

Ep. 534 - How do you like Osteopaths? They seem to be taking over primary care! from 2023-08-15T18:30:45

Also, remember the billions of opioid settlement cash that was earmarked for the victims and addicts? Well, soon you can look for it wherever the pilfered tobacco settle...

Ep. 533 - Hey Tubby! That extra weight you’re lugging around may not be so bad! from 2023-08-13T21:14:18

Also, why might a hospital put you in a room for a couple of nights and call it "observation"?

Contact me at: DBJ@MLMMailbag.com

(...

Ep. 532 - Turning 65 but still working;...with group insurance? What to do??? from 2023-08-10T19:33:04

Also, a recent retiree got himself into a jam when he retired, enrolled in an Advantage plan and came down with cancer. Was he able to improve his insurance protection?<...

Ep. 531 - What happens if your doctor turns up his nose at Medicare? from 2023-08-08T17:47:43

Also, my clients ignore my pleas but I never give up trying to convince them to learn the fun and rewarding skill of selecting their own PDP (prescription drug plan)! Listen

Ep. 530 - Elon Musk wants to plug your brain into a computer - if you don’t mind! from 2023-08-06T14:20:43

Also, a simple finger prick blood test could diagnose your Alzheimer's disease!

Contact me at: DBJ@MLMMailbag.com

(Most severe cri...

Ep. 529 - Let’s pretend you are too poor to pay for Medicare; what happens then? from 2023-08-03T18:19:34

Also: three documents aging Americans should never be without.

Finally, what are the dos and don'ts of going to the local Social Security...

Ep. 528 - Medicare Supplement vs. Medicare Advantage Plans from 2023-08-01T22:24:47

If one carefully weighs the pros & cons, the Medicare supplement plan is the clear winner.

It offers complete freedom of choice!

Ep. 527 - Do ”Health Care Sharing Plans” sound like a good idea? Beware! from 2023-07-30T18:48:55

Also, it seems that a sizable percentage of Americans are skipping routine health screenings that often uncover potential problems.

Conta...

Ep. 526 - VA vs. Medicare: who would win a no holds barred rasslin’ match? from 2023-07-27T18:55:52

Plus, Lynda writes a gentle but firm critique of certain elements of Medicare for the Lazy Man.

Finally, a report on rising cancer rates ...

Ep. 525 - Who makes $78 billion every year? Medicare Advantage plan thieves! from 2023-07-25T18:50:13

Also, could you use some hearing aids? You'd better dig into your own savings because Medicare isn't likely to pay the cost.

Four new Alz...

Ep. 524 -Medicare may pay for some home health care; how badly do you need help? from 2023-07-23T16:44:46

Are you wearing a face mask right now?If so, get out!

Also, have you thought about medical (or dental) tourism?

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Ep. 523 - New York judge saves 250,000 retirees from Med Advantage purgatory! from 2023-07-20T20:24:52

Medicare Advantage plans save employers cash but create "issues" for the participants. 

Also, Q & A from an AMAC column and a recomme...

Ep. 522 - Mammograms to start at age 40? Heavens to Murgatroyd! from 2023-07-18T21:10

Also, what does a youngster take with him on his road to maturity?

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)   Listen

Ep. 521 - Would you like to take a nostalgic journey down memory lane to 1982? from 2023-07-16T11:17:17

Also, an unnamed presidential administration is launching an attack on a valuable type of health insurance that solves problems for many people who can't afford extravag...

Ep. 520 - Help stave off dementia with one simple daily activity! from 2023-07-13T19:00:52

Also, mental health hotlines remain silent in one state while the phones ring incessantly in another!

Contact me at: DBJ@MLMMailbag.com Listen

Ep. 519 - MLM returns to the studio: How about some free medical tests? from 2023-07-11T19:08:31

Dave wants to buy a pricier plan to cover him in case test results are unfavorable. He then would use the California Birthday Rule to switch to the High Value plan witho...

Ep. 518 - MLM on the road: Strategies dealing with difficult parents. from 2023-07-09T21:15:12

Techniques used in the business world can make negotiations with recalcitrant parents much more pleasant and successful.

Also, four perks...

Ep. 517 - MLM on the road: Questions from readers of Medicare for the Lazy Man! from 2023-07-06T13:38:59

Your doctor's clerk might say they won't accept your supplement for payment. What went wrong?

HIPPA causes my service efforts to be thwar...

Ep. 516 - MLM on the road: 10 important facts about Medicare Advantage PPO plans! from 2023-07-04T13:18:05

Another scintillating episode created for you at the Hampton Inn in St. Charles, Illinois. 

Medicare content provided courtesy of Diane O...

Ep. 515- Pickleball causes $200 million in injuries; MLM on the road! from 2023-07-03T08:35:05

Coming to you from the St. Charles, Illinois Hampton Inn, we discuss Alzheimer's drugs, how to get along with your spouse after retirement and idiotic, selfish behaviour...

Ep. 514 - Need reliable Medicare advice? DON’T ASK YOUR DOPEY FRIENDS!!! from 2023-06-30T12:29:21

First up is a sad story of a person who was victimized by following poor advice from an ignorant friend.

Also, the Medicare supplements I...

Ep. 513 - Frequent advice to readers: ignore Medicare while you continue to work! from 2023-06-27T20:07:33

While you are actively at work in a larger company (20+ employees), there is almost never a pressing need to enroll in any part of Medicare at age 65 until you walk away...

Ep. 512 - Niche retirement communities offer big fun for the Medicare crowd! from 2023-06-25T18:12:31

Other subjects discussed:

1) Does Medicare pay for prescription drugs?

2) What is the best way to select ...

Ep. 511 - Can the same drug cost $40 in one place and $400 in another? from 2023-06-22T16:13:25

Medicare Part D prescription drug plans are designed to help reduce, but not eliminate, the cost of most drugs. A discount card like one from GoodRx can certainly help e...

Ep. 510 - What happens to your Medicare plans when you move? from 2023-06-20T22:07:43

Also, have you somehow failed to pay your Medicare premiums?

Are Medicare Advantage plans being populated by groups of retirees who are b...

Ep. 509 - Big growth in Medicare Advantage might be at the point of a gun! from 2023-06-18T13:04:37

250,000 New York City retirees are being forced into a Medicare Advantage plan that you, the taxpayers, are probably footing the bill for.

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Ep. 508 - Prostate cancer victim makes expensive error in enrollment timing. from 2023-06-15T22:22:55

As Toni King says, "What you don't know about Medicare is what can hurt you"!

Also, Johns Hopkins Medical Center takes a great leap forwa...

Ep. 507 - Would you like a free helicopter ride? Medicare just might pay for it! from 2023-06-13T19:38:07

You have to meet a certain set of criteria but Medicare can be persuaded to pay for a chopper to take you for a trip, but it can be done.

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Ep. 506 - What if a satellite crushes your Medicare supplement company offices? from 2023-06-11T10:11:24

The Feds have special provisions to protect those whose insurance company stop providing Medicare supplement protection, even if caused by a so called "Act of God".

Ep. 505 - Do you hate big rate increases? Enjoy High Deductible Plan G! from 2023-06-09T09:10:49

Historical rate increases on High Deductible Medicare supplement plans are the tiniest of all. Listen to your old Uncle Doug when he tells you how great the HDG plan is!...

Ep. 504 - Is your primary care physician playing hard to get? Here’s why... from 2023-06-06T19:08:26

According to the reference material, there are four main reasons that PCPs are growing to resemble hens' teeth.

Also, here are four thing...

Ep. 503 -The Covid panic ended so now they’re trying to kill telemedicine! from 2023-06-04T17:06:43

Virtual visits to doctors and other medical practitioners, referred to as telemedicine, is a great way to save money, time and resources. For some reason, governments ar...

Ep. 502 - Expensive new drugs pose big budget problems for Medicare! from 2023-06-02T08:48:37

If only a small percentage of participants are prescribed the newest drugs, Medicare will be stuck paying billions of dollars each year.

...

Ep. 501 - SSA handles Parts A&B enrollment but the process is all over the place! from 2023-05-30T21:05:25

Consistency seems to be lacking in the Medicare enrollment process from one SSA office to another. Some are more efficient and easier to deal with than others.

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Ep. 500 - Weight loss drug Wegovy: Better living through chemistry? Maybe... from 2023-05-28T17:12:11

Wegovy is effective but expensive and might cause rebound weight gain when consumption is ceased.

Also, has someone been sending you many...

Ep. 499 - Artificial Intelligence - pros and cons for the medical industry! from 2023-05-25T20:15:21

Remember Y2K? Well, get ready for more of the same when folks start trying to figure out what AI is likely cause!

Also, listen for Questi...

Ep. 498 - Five important things to know about Medicare; one expert’s opinion! from 2023-05-23T16:24:11

Also, are we making progress toward a victory over Parkinson's?

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)  

Ep. 497 - Watch out for that big, scary Donut Hole in your drug plan! from 2023-05-21T16:40:10

Just kidding, it really isn't all that tragic when you land in the Donut Hole.

Also, how does Medicare work during your travels around th...

Ep. 496 - Prostate cancer: widespread threat faced by men everywhere! from 2023-05-18T20:32:32

Will AI advances change the forecast for future victims of prostate cancer?

Also, why is the central business district of Chicago known a...

Ep. 495 - Victory in sight? A killer cancer may be on the verge of defeat! from 2023-05-16T20:14:50

Pancreatic cancer is a death sentence for 90% of its victims.

In a small but promising trial, a new vaccine procedure offers hope to slas...

Ep. 494 - A new national health crisis is looming; threatening to destroy us all! from 2023-05-14T09:19:51

Biden's Surgeon General has concocted another horrible disaster to justify his pathetic existence and that of the wasteful government bureaucracy he rules. 

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Ep. 493 - Inexplicable situations flummox your self-anointed Medicare expert! from 2023-05-11T19:24:09

Two valued clients have their applications handled in unexpected and mysterious ways.

Fortunately, both emerge with the unmistakable arom...

Ep. 492 - Delayed retirements, increased Med Supp sales and urine tests for cancer! from 2023-05-09T19:57:58

Older employees are worried about their finances, and planning to continue working longer than intended. 

An AHIP survey reports an incre...

Ep. 491 - Shoulder Replacement Special; starring returning guest Roy Brotherhood! from 2023-05-07T19:05:22

Roy has a brand new shoulder, thanks to the Frenchies. Listen to him describe the whole process from misery to recovery.

Also listen to t...

Ep. 490 - Too much time in the sun? How will Medicare feel about that? from 2023-05-05T14:33:47

Also do you have clients? Are they a source of joy or frustration?

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)   Listen

Ep. 489 - Medicare ”Blue Buttons”, ACOs and laughable Government security! from 2023-05-02T19:08:38

A mish-mash of Medicare related data sharing, hacked ZOOM presentation and concern about taking baby steps toward Big Brother!

Contact me...

Ep. 488 Medicare is NOT ”one size fits all”; Don’t just do what your friends are doing! from 2023-04-30T18:59:24

For example, the best drug plan for you will not often be best for your friends or family members on Medicare. Search the Medicare.gov database to be sure.

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Ep. 487 - More ”Views from Agents&Brokers” about what fills their portfolios. from 2023-04-27T19:35:55

Also, does a change in direction of a trend portend a big change for the new car choices?

Contact me at: DBJ@MLMMailbag.com

(Most ...

Ep. 486 - Choosing Medicare coverages: views from insurance agents&brokers! from 2023-04-25T20:23:16

Finally, some unvarnished truths shine through. What choices would an experienced medicare agent make for himself?

Contact me at: DBJ@MLM...

Ep. 485 - Medicare supplements deliver high levels of satisfaction, study says! from 2023-04-23T19:38:37

The vast majority of those covered by Medicare supplements are very satisfied with the benefits, services and charges covered by their Medicare supplement plans.

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Ep. 484 - Elizabeth Warren aims at Medicare supplement plans; misses by a mile! from 2023-04-20T18:44:09

Fauxcahontas (who claimed to be an Oklahoma Indian) seems confused about how powerfully motivational insurance company sales incentives are. I have never been paid one f...

Ep. 483 - Check these 12 items before deciding on Medicare Advantage! from 2023-04-18T10:41:05

If you are interested in enrolling in a Medicare Advantage plan, prudence dictates that you perform due diligence in advance of pulling the trigger.

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Ep. 482 - Does Mark Cuban have the answer to lower prescription drug costs? from 2023-04-16T20:45:35

So far it doesn't look promising for the irritable entrepreneur and his "Cost Plus Drugs. The idea was to sell generics at a discount but the products are already sold a...

Ep. 481 - What? Discounted prices on hearing aids? I might be hearing things! from 2023-04-13T18:58:32

A whole new world is opening up for the hard of hearing: reduced regulations means reduced prices for over-the-counter hearing aids!

Cont...

Ep. 480 - How to find a Medicare agent, or broker! Hint: contact your humble host... from 2023-04-11T11:53:57

Moderately interesting article but you can't believe everything you read. Agents operate differently than brokers; the rules for those who sell Medicare Advantage plans ...

Ep. 333 - Who usually dumps Medicare Advantage: city folk or country folk? from 2022-05-01T14:21:07

Other topics in this episode:

a) Radium Girls: ill-fated employees of Kerr-McGee in West Chicago who suffered from radiation poisoning while painting watch faces.

b) Health care re...

Ep. 332 - One heroic whistleblower stands tall: reports on Medicare fraud! from 2022-04-28T19:26:10

Her bravery set a great example, inspiring some other fiscal patriots to follow her lead in the fight against Medicare Advantage plan rip-offs!

Afterwards, join Doug on his quest for just...

Ep. 331 - Organ donation complexities - the ultimate generosity often stymied! from 2022-04-27T09:55:51

Today we read an article written by a University of Wisconsin transplant surgeon who laments the legal and moral rules that constrain an eager donor's final act of selflessness.

Contact m...

Ep. 330 - MAILBAG: MLM correspondents ask for clarification of Medicare processes! from 2022-04-24T13:16:55

Today we address:

1) The concerns of a distraught husband whose wife suffered a broken wrist: when will the bills arrive?

2) An indecisive woman who may or may not want to retire i...

Ep. 329 - End of Coronavirus Emergency Declarations: What happens then? from 2022-04-22T20:16:10

There are serious implications for Medicare, Medicaid, CHIP (children's health plans) and private health insurance. 

For example, most Medicare participants will lose Telehealth, which is...

Ep. 328 - Why Medicare Advantage plans are bad - final installment! from 2022-04-19T21:14:10

Pros & cons of Medicare Advantage plans.

Also, a short tutorial on the relationships of the various Blue Cross/Blue Shield plans across the country.

Contact me at: DBJ@MLMMailbag.c...

Ep. 327 - Major Insurers Scam Billions from Medicare, Whistleblowers Assert! from 2022-04-17T10:11:27

Medicare Advantage plans fraudulently inflate how sick their members are perceived in order to grab extra funds from Medicare. 

One company used a psychologist as a tool to "shut up" a wh...

Ep. 326 - News item: Patient wins coverage battle against Medicare! But then... from 2022-04-14T20:09:56

Medicare changed the rules, resulting in renewed financial hardship for this unfortunate patient.

The Medicare story starts at about minute 26:00 after some reporting on current Arizona r...

Ep. 325 - Are your parents paying their Medicare premiums? from 2022-04-12T18:49:55

If forgetful Medicare participants overlook the need to pay premiums when due, protection can be removed and financial disaster can ensue.

This episode offers methods by which a responsib...

Ep. 324 - JOE NAMATH TV ADS: are the government regulators finally waking up? from 2022-04-11T10:01:10

CMS seems to be on the verge of exercising their regulatory muscles in this area.

Also, Covid tests and shingles vaccines: such a deal the taxpayers have for you!

Contact me at: DB...

Ep. 323 - Three ways to avoid being rejected or surcharged for Medicare supplement! from 2022-04-08T22:20:23

There is one important takeaway here: Medicare supplement plans (Medigap) are far superior to anything else available. 

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)  ...

Ep. 322 - Study: Can pet ownership boost one’s brain power? The surprising conclusion... from 2022-04-05T18:41:32

This study measured the beneficial effect pets (mostly dogs but some cats) can have on an old person's mental acuity. Pets can provide social companionship plus a sense of duty and purpose.

Ep. 321 - Another excerpt from: Why Medicare Advantage Plans are Bad! from 2022-04-03T21:14:24

Among other eye-openers, we are told that many doctors do not like MA plans. Apparently, the doctors are not paid as promptly  with the automatic process they enjoy with Medicare supplement plan...

Ep. 320 - Medicare question from the MLM Mailbag: What if they make a mistake? from 2022-03-31T19:12:42

Lewis & Roxanne received vaguely threatening letters from Medicare ordering them to prove they had "creditable" drug coverage from their employer plan.

Also, Mr. Regina needs to know how ...

Ep. 319 - ”Are Medicare Advantage plans worth it, or are they a rip-off?” from 2022-03-29T19:36:47

Listen to the list of 5 situations the authors of an article think might make MA plans worthwhile. Needless to say, MLM does not completely agree!

Also, how do you address older people. W...

Ep. 318 - Does Medicare pay for Long Term Care? The unequivocal answer is..... from 2022-03-27T18:55:48

Nope.

About one of every three people will enter a facility at least once during their lifetime. About 1 in 5 will need care for longer than five years.

The most common causes? Acc...

Episode 317 - How do you figure the additional risk of High Deductible Plan G? from 2022-03-24T20:34:56

Take the cost of the full Plan G you might have bought, calculate the annual savings you will realize by purchasing the very inexpensive HDG, and subtract that figure from the HDG deductible. Bi...

Ep. 316 - Some employers save big cash by forcing retirees into Advantage plans! from 2022-03-23T19:14:41

Apparently, the many protests from 250K NYC retired employees haven't swayed the city's intent to reap $600 million in savings annually by jamming them into  newly constructed Medicare Advantage...

Ep. 315 - ”EYEPOPPING” REVENUE GAINS put a drain on the US Treasury! from 2022-03-20T21:00:40

Just as we suspected, fraudulent activity by Medicare Advantage plans exaggerate the medical conditions of their clients and reap huge rewards. 

Taxpayers pay the price, as usual.

Ep. 314 - Plagiarists invade Amazon’s Medicare book list: BUYER BEWARE! from 2022-03-17T19:09:27

Do you enjoy listening to badly translated English probably written by illiterate foreigners? 

If so, you are going to love this episode! 

Contact me at: DBJ@MLMMailbag.com

Ep. 313 - Medicare, Phoenix&Tucson: how are these three things related? from 2022-03-15T20:52:42

They really aren't related to each other but we spent some time talking about each one during this episode.

The lesson? We'll answer just about any oddball questions that come our way! Listen

Ep. 312 - Why are you not dead yet? from 2022-03-13T20:39:30

Seven reasons why we live much longer than we did just a few decades ago:

1) Clean water 2) Soap 3) Better housing 4) Vitamins                                     5) Safer food 6) Quaran...

Ep. 311 - Why Medicare Advantage plans are bad! (Part 2) from 2022-03-10T20:24:12

A few of the negative aspects of Medicare Advantage plans are addressed. These include the fact that MA plans are classified as "Managed Care". They save money by managing your care through thei...

Ep. 310 - Why Medicare Advantage plans are bad! (Part 1) from 2022-03-08T20:29:27

We start with a list of the seven most common complaints from MA clients.  

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)  

Inspired by "MEDICARE FOR THE LAZ...

Ep. 309 - Freaked out by end of year ”open enrollment” advertising! from 2022-03-06T20:46:38

A new client almost fell victim to misleading advertising. He had to be reassured that the Medicare supplement plan he bought will always remain the same and never has to be "reviewed" each year...

Ep. 308 - Questions sent in by listeners dredged up from the mailbag depths! from 2022-03-03T22:05:51

Have you ever wondered who pays the cost when an employee needs medical treatment?

Often it will be the insurance plan, but sometimes it will actually be the boss who writes that check! ...

Ep. 307 - PARENTS: Do yours need help selecting the best Medicare coverages? from 2022-03-01T20:13:47

Enjoy an article listing one advisor's suggestions as to the best way to help a Medicare-age loved one avoid trouble and enjoy a smooth entry into the new world of government sponsored health in...

Ep. 306 - Would you like to have excellent dental, vision and hearing benefits? from 2022-02-27T22:53:30

Don't be enticed to buy a Medicare Advantage plan for the extra goodies; they are likely to disappoint. 

You will be better served by purchasing a free-standing DVH policy from a reputab...

Ep. 305 - Randy’s Choice: A dip into the MLM Mailbag produces Medicare questions. from 2022-02-25T22:10:01

After hearing my advice about drug plan payment methods, Steve tried doing things his own way and did not suffer dire consequences.

Paul then asked a series of questions about my recomme...

Ep. 304 - Waste, fraud&abuse: rampant in the world of Medicare Advantage! from 2022-02-22T20:26:32

When a data mining company searches for ways to defraud the government on behalf of one certain type of Medicare plan, you would think that prosecution would follow. 

Nope, supporters of...

Ep. 303 Medicare physical exams are not exactly physical exams as we know them! from 2022-02-20T20:10

Two types of cost-free medical visits under Medicare:

     1) Welcome to Medicare visit - within the first 12 months.

     2) Annual Medicare wellness visit - every 12 months. Listen

Ep. 302 - A second, more in-depth, look at Direct Contracting Entities from 2022-02-17T21:32:55

Brian X held my feet to the fire: he insisted that I take a more lengthy, serious look at this newly concocted managed care monster.

I could not fulfill his request to predict the future...

Ep. 301 - Eye drops arrive with a horrifying side-effect warning sheet! from 2022-02-15T19:59:29

Also, lifted from a competing Medicare podcast: 

5 reasons not to buy a Medicare advantage plan

5 of the dumbest Medicare rules

Contact me at: DBJ@MLMMailbag.com

...

Ep 300 - BC/BS of Illinois sets a great example for the insurance industry! from 2022-02-12T19:09:32

They aren't always paragons of virtue, but twice in the last year or so they have made me proud to be an American.

BCBSIL has introduced Medicare supplement plans with extra goodies that...

Ep. 299 - The MLM Mailbag coughs up some interesting correspondence once again. from 2022-02-10T21:41:53

Does the CMS really believe that the booster shots are as effective as the public was once led to believe? 

Did a conservative wife do the right thing in persuading her husband to pay $1...

Ep. 298 - Did your agent make a mistake? My neighbor probably thinks so! from 2022-02-08T17:32:21

Nothing more awkward than having your valued neighbor and client suffer at the hands of the insurance company you sold him. Maybe I should have seen it coming but I didn't and had to scramble to...

Ep. 297 - What, even more Managed Care? Not for me, thank you! from 2022-02-06T13:46:17

Listener Brian X heard about "Direct Contracting Entities" on another podcast and wanted to know what the MLM opinion of this new type of managed care scheme would be.

DCEs appear to be ...

Ep. 296 - A short recap of the advantages of the Medicare MSA plan. from 2022-02-03T19:29:54

After a lengthy story time inspired by Randy's stint as a General Mills consultant, the Medicare content in this episode is fairly skimpy.

Dominick asked about the potential pitfalls of ...

Ep. 295 - Ray wants to stay with his company’s retiree plan; Mrs. Ray isn’t so sure. from 2022-02-01T19:36:01

Ray's wife, Deann, is concerned that, in the event of a change of plans, the opportunity to buy an excellent supplement plan in the future may evaporate.

Also, John writes to ask what Me...

Ep. 294 - Uh-oh! Big trouble at the ladies’ poker game...Medicare trouble! from 2022-01-30T20:19:40

Apparently, two players had a disagreement about whether there is an upper limit to the benefits that can be spent on behalf of any one participant.

Which side are you on?

Is the...

Ep. 293 - An unexpected element of that new trend: community rating in Idaho! from 2022-01-27T15:49:47

Three states have recently instituted the Birthday Rule, allowing Medicare supplement policyholders to make changes without evidence of good health.

Surprisingly, the otherwise conservat...

Ep. 292 - Is a new trend creeping across the insurance landscape? from 2022-01-25T19:13:57

Three states have passed legislation to liberalize Medicare supplement regulations for insurance companies operating under their jurisdiction.

Big changes often start with baby steps and...

Ep. 291 - New to Medicare, her card arrives when? Make that 60 days from now! from 2022-01-23T19:10:28

Don't worry, though. If you need to replace yours, it will only take 30 days, according to CMS. They encourage you to use your "My Medicare" or My Social Security" account to order that replacem...

Ep. 290 - Medicare Parts A&B enrollment: can it be done a few months early? from 2022-01-20T21:27:23

A phone call to listener Steve's local SSA office produced a disappointing answer: in spite of the slow execution of their duties, official enrollment deadlines will not be relaxed!

Also...

Ep. 289 - Big 2022 increase in Medicare cost may be scaled back! from 2022-01-18T18:59:15

One reason for the whopper of a premium increase may be evaporating: the experimental Alzheimer's drug Aduhelm has just had its price slashed. 

Contact me at: DBJ@MLMMailbag.com

...

Ep. 288 - Medicare + VA Benefits: Two is better than one! from 2022-01-16T19:13:15

Bottom line: The Department of Veterans Affairs strongly encourages eligible veterans to enroll in Medicare. VA benefits alone may not provide the most convenient, optimum protection for everyon...

Ep. 287 - Want to minimize your rate increases? HDG is the way to go! from 2022-01-14T09:43:16

Medicare supplement plans that offer comprehensive protection cost more money and typically have larger annual rate increases.

High deductible (high value) plans offer the greatest bang ...

Ep. 286 - Becky&Lester return with a plethora of new questions! from 2022-01-12T19:45:48

In this reunion, we address Medicare supplement premium calculations, speculate on the direction of future premium changes, and review one company's excellent history of rate stability.

...

Ep. 285 - Trouble in Paradise! Anesthesiologists threaten to cancel contract. from 2022-01-09T19:07:47

In Oklahoma, negotiations are at an impasse between some physicians and BCBSOK networks. Unless resolved, this will inconvenience patients who expect to undergo surgery without excessive levels ...

Ep. 284 - Is your dentist an uncooperative killjoy who refuses insurance? from 2022-01-06T19:50:49

Many dentists will not participate in dental insurance plans because of the discounts they must accept. They do not belong to any dental PPO or HMO networks, which leaves many patients out in th...

Ep. 283 - Is your employer health insurance company a ”whipping boy”? from 2022-01-04T19:15:23

Your company may have purchased insurance on all employees

                                                    -or-

is it rolling the dice on a self-insurance plan?

The i...

Ep. 282 - The Medicare supplement Plan F ”death spiral” revisited. from 2022-01-02T18:33:11

A better copy of the the source article "What to do about the reported Plan F Death Spiral" allows me to clarify prior remarks.

The likely unpleasant future premium cost for those who ow...

Ep. 281 - Plan F rate increases: are you being victimized? Thank Congress! from 2021-12-30T19:40:54

A "death spiral" is gripping Plan F from many insurance companies. Are you feeling the burn caused by MACRA that became law in 2020? 

If you are able to honestly answer a series of quest...

Ep. 280 - Curious readers ask many questions; Here are the answers! from 2021-12-28T19:51:59

What ever happened to the G+ and HDG+, first offered by BC/BS of Illinois?

Is buying an HDG plus a guaranteed 3% annuity a good idea?

Medicare MSA plans, what's up with that?

Episode 279 - Retired? Medicare (Parts A&B) will always be your primary coverage! from 2021-12-26T19:41:15

Seems like I should have stressed that in this episode. If you are offered a retiree plan, it is likely to take the form of a supplement plus prescription drug plan.

Also, Barbara comes ...

Ep. 278 - Don’t be fooled: rating methods make little difference in supplement costs! from 2021-12-23T19:55:31

Three rating methods exist for Medicare supplements. Throw out Community Rating. Why? Because Community Rating is so horrible that it is only used in states that force all companies to use it. Listen

Ep. 277 - When can I join a Part D Prescription Drug Plan? from 2021-12-21T19:25:36

The principles of insurance do not permit unlimited enrollment periods; a participant must have a good reason or else the only ones insured will be those who drain the plan into bankruptcy.

Ep. 276 - MEDICARE SUPPLEMENTS: Plans G vs. N vs. HDG - Most cost effective? from 2021-12-19T20:49:15

A reader asks why I rarely mention Plan N and winds up with a lesson in choosing the best plan in his native Connecticut: Saving $1,900 vs. the absolute worst case scenario of spending $600.

Ep. 275 - Unheard of new malady strikes a young man in England! from 2021-12-17T17:01:13

Have you had difficulty reading the communications issued by insurance companies lately? You just might be reading at the level of a 6th grader while the correspondence is written for the averag...

Ep. 274 - CHEMOTHERAPY; CONTRACT LAW; ANOC&PART D PLANS; SSDI! from 2021-12-14T19:33:48

We touch on many subjects when dipping into the MLM Mailbag. Those listed above a just a few that listeners, readers and clients have recently asked about.

Thanks to inquisitive people l...

Ep. 273 - FUD: Fear, uncertainty&doubt: created by the call center TV ads. from 2021-12-12T20:31:36

As it turns out, experienced insurance types share the FUD when they observe people missing deadlines and risking expensive medical bills without insurance.

Out of three potentially disa...

Ep.272- Sad result of missing a Medicare deadline: there is a price to pay! from 2021-12-09T18:37:02

A cancer patient makes an innocent mistake and winds up going without health insurance for many months.

Did I mention this poor woman is a caner patient?

(Most severe critic: A) ...

Ep. 271 - Sick of your Medicare plan‘s restrictions? Freedom might be within reach! from 2021-12-07T20:45:37

If your Advantage plan is disappointing and not everything you hoped it would be, salvation can be yours. The freedom that comes with a Medicare supplement can be as close as a short medical his...

Ep. 270 - Medicare enrollment periods: timing is everything! from 2021-12-06T20:45:50

Turning age 65 is only one of the events that affords an opportunity to enroll in a Medicare supplement. How about leaving a large employer's group insurance plan? You bet!

This whole su...

Ep. 269 - Can prolonging death actually be worse than death? from 2021-12-02T20:50:37

One "end of Life" expert explains why terminally ill patients in several states have been offered a legal opportunity to participate in the end of their lives.

A visit to the MLM Mailbag...

Ep. 268 - Durable medical equipment: Covered by Medicare? from 2021-11-30T20:42:54

If it is medically necessary, can be used in the home and projected to have a useful life of at least three years, you might be looking at what Medicare calls DME. 

Be prepared to pay re...

Ep 267 - An exciting recitation of the new Medicare costs - straight from the CMS! from 2021-11-28T14:27:43

Today's episode delves into a hefty article addressing next year's premiums, deductibles, co-pays and IRMAA penalties you successful participants will enjoy in 2022.

Those Federal bureau...

Ep. 266 - For Medicare, having a Power of Attorney (POA) is not enough! from 2021-11-26T19:22:01

A regular, run-of-the-mill, POA allows the guardian to make financial decisions on behalf of the person in need of assistance; but for Medicare it has no power at all. 

On the other hand...

Ep. 265 - Medicare + The Big Texan (Amarillo): What is the connection? from 2021-11-23T19:53:57

IRMAA is the "Income Related Monthly Adjustment Amount" designed to penalize the most successful and productive Americans by adding a surcharge to the monthly cost of Medicare Part B or a prescr...

Ep. 264 - Creeping inflation starts to take a toll on Medicare costs! from 2021-11-21T19:29:16

Medicare Part A has a "per occurrence" inpatient deductible of $1556 in 2022. That is an increase of $72, as opposed to the $30 increase last year.

Medicare Part B has an annual deductib...

Ep. 263 - Medicare Advantage plans: Where the heck did they come from? from 2021-11-18T22:30:17

Why are Medicare (dis)Advantage plans swimming in advertising cash? How can they make so many promises to lure in the gullible TV watchers? Where do they get all of their money to throw around?<...

Ep. 262 - Bureaucrats are burdening Medicare with massive increases for 2022! from 2021-11-16T19:26:36

The new figures for next year represent a giant leap forward in a time when we wish to stay back. Not a full 2022 report, just a taste of what is to come.

In addition to sharing that unp...

Ep. 261 - Meet Barbara, a wonderful new client who is on a quest! from 2021-11-14T17:28:43

Barbara is seeking that rarest of all economic phenomena: the elusive Free Lunch! Her search is a stark reminder that benefits don't grow on trees.

If a government mandates that insuranc...

Ep. 260 - Watch out- Big Brother is watching your insurance agent! from 2021-11-11T20:14:01

Your friendly Medicare bureaucrats have created a lengthy list of things they don't like.

They think you are too delicate and easily duped to allow your insurance agent to speak with you...

Ep. 259 - Power of Attorney for Health Care: ensure your voice is heard! from 2021-11-10T09:26:29

Through a Health Care Power of Attorney, you can appoint a trusted proxy to make sure your treatment preferences are complied with by the medical professionals.

This can be an important ...

Ep. 258 - More about Medicare MSA: Pro radio scripts! from 2021-11-07T12:24:13

If you are intrigued by the great idea of a Medicare MSA, why listen to a dope like me? Let's enjoy professionally written radio scripts!

Afterward, what is your ANOC (Annual Notice of C...

Ep. 257 - Nearing age 90, she is reluctant to change plans to save money! from 2021-11-05T12:30:09

If one is paying the relatively high monthly premium for a supplement Plan F or G, consider changing to HDG. If your current premium is high and the HDG premium is low, you pocket the difference...

Ep. 256 - Experts stumped: why do most fail to review Medicare options yearly? from 2021-11-03T15:15:05

It doesn't take a genius to figure out why most people avoid performing such dull and painful exercises each year. 

Good news for you Medicare supplement plan holders: you never have to ...

Ep. 255 - The one Medicare Advantage plan I can promote without hesitation! from 2021-10-31T17:40:40

The only Medicare Advantage plan I know of that provides complete freedom of choice (just like supplement plans): Medicare MSA.

I proudly represent the product from Lasso Healthcare as a...

Ep. 254 - Taking a dip into the MLM Mailbag! from 2021-10-28T21:18:48

Deb, an "Easy Listening" podcast fan asked to settle a discrepancy between her friend and the State of Nevada.

Next, Susan is having trouble making a decision and has pestered her HR dep...

Ep. 253 - A scholar‘s musings about the flaws in Medicare; after some procrastination! from 2021-10-26T18:54:03

In this episode you will find proof that I can disagree with others without loosing my composure. I may not always do it promptly, though!

(Most severe critic: A+)  

Inspired by ...

EP. 252 - NYC retirees sue to avoid being forced into Medicare Advantage plan! from 2021-10-25T17:45:46

Thousands of retired New York City public employees have banded together and filed suit to fight the mandated enrollment into an inferior retirement plan rather than the Medicare supplement that...

Ep. 251 - CHEAPEST (Part D) DRUG PLAN FOR YOU? SELECT IT YOURSELF! from 2021-10-21T18:18:12

Suppose you talk to a salesman who works for Al's Insurance and Aluminum Siding Co. Suppose he says Al's prescription drug plan is the very best available: reasonable cost, lots of drugs on its ...

Ep. 250 - Remember the olden days, when health insurance was lots better? from 2021-10-19T18:27:53

In the days before Obamacare, reasonably priced health insurance had small deductibles and coinsurance, paying 100% of most catastrophic expenses.

What the heck happened? Look to the pol...

Ep. 249 - The Saga of Sandy&Art: blessed with a vast array of choices! from 2021-10-17T20:29:39

This couple is in an enviable position! They can choose between several plans from several great insurance companies in a couple of states. What is the best way to make the right decision?

Ep. 248 - Fun with the physician finder on Medicare.gov! from 2021-10-14T18:08:27

When you click on Medicare.gov/physiciancompare you may search for a doctor or clinician in your vicinity plus seven other types of services including hospitals, home health services, hospice, d...

Ep. 247 - Age 65+ and still employed? What should be done about Medicare? from 2021-10-12T18:46:09

Based on questions arriving at the MLM Mailbag, there is considerable confusion in some quarters about the ideal time to enroll in Medicare.

There are some variables involved but the pro...

Ep. 246 - NO SH_T, SHERLOCK! Tell the politicians&lawyers to stuff it! from 2021-10-10T17:44:59

Congress is considering another self-destructive bill. This time the geniuses are proposing to give the Federal Government the power to negotiate prices for prescription drugs. 

By "nego...

Ep. 245 - The saga (and frustrations) of Mike and Karen! from 2021-10-07T18:25:31

Mike wanted the cheapest Part D plan available and I identified that plan for him. Imagine the confusion that ensued after Mike accidentally enrolled in a different plan offered by the same comp...

Ep. 244 - The dreaded ”lifetime late enrollment penalty”; don‘t let it snag you! from 2021-10-06T10:40:34

Anything that combines "penalty" with "lifetime" is something to be avoided like the plague! Is your drug coverage considered to be "creditable"? Ask your employer or the plan administrator, the...

Ep. 243 - Sometimes ”NO” really means ”YES”! from 2021-10-03T20:45:16

After being trapped in the confines of a managed care (HMO/PPO) health plan, some new enrollees don't understand the freedom that comes with Medicare supplements. Asking the wrong question will ...

Ep. 242 - Medicare Telemedicine ushers in a whole new world of convenience! from 2021-09-30T18:20:09

Thanks to legislation sponsored by the Trump administration, government roadblocks to convenient e-visits with medical practitioners are being cast aside. A wide variety of specialties are now a...

Ep. 241 - Synopsis of the article: ”Don‘t Make This Dangerous Medicare Mistake!” from 2021-09-28T17:54

The author's neighbor, in her 70s, was sailing along through a carefree life  until she had a massive stroke. With no Medicare supplement or prescription drug coverage, she hit the fiscal equiva...

Ep. 240 - The MLM Mailbag coughs up some quality advice for correspondents..... from 2021-09-26T18:53:08

Dental, vision & hearing insurance continues to be a popular subject and we have an excellent plan to offer those who are interested. 

Also, a dentist wants to know if he can keep his cu...

Ep. 239 - Disappointments from the Mailbag for this eager salesman! from 2021-09-23T21:41:20

It happens now and again: a potential client asks for help selecting his Medicare coverage, and suddenly decides to patronize a local hometown agent instead. Two other prospects write in with qu...

Ep. 238 - Part ”D” drug plans + AEP = Big time fun headed your way! from 2021-09-21T19:34:13

Annual Election Period (AEP) is almost upon us. This is the season in which hoards of Medicare Advantage sales types prowl the streets and alleys seeking victims. 

During AEP you might w...

Ep. 237 - Rethinking Advantage plan sales, Heath asks if they are EVER appropriate. from 2021-09-19T18:36:24

Before responding to Heath's item from the MLM Mailbag, we take a look at a hefty file assembled by the Centers for Disease Control (and Prevention).

Instead of controlling and preventin...

Ep. 236 - Retired steelworkers (65,000 of them) treated to Medicare for the Lazy Man! from 2021-09-16T18:57:57

The newsletter, published by Charles, will occasionally sport the Lazy Man logo as a reminder of the "freedom of choice" plans that we promote in every state of the USA.

Speaking of free...

Ep. 235 - $32 million allegedly extracted from the government by two Advantage plans! from 2021-09-14T17:53:47

Several years ago a "whistleblower suit" was settled in the amount of $32 million.

The allegation was that two Medicare Advantage plans exaggerated the seriousness of patient conditions....

Ep. 234 - Fasten those seat belts; largest COLA since 1983 may be heading our way! from 2021-09-12T17:59:58

Let's not celebrate just yet. A large "cost of living adjustment" is indicative of a large jump in economic inflation. Due to inept handling of the virus panic, the value of the dollar is droppi...

Ep. 233 - Becoming a Medicare Advantage salesman ain‘t for sissies! from 2021-09-09T17:53:30

More mirth and silliness sponsored by the brainiacs in the Federal government.

They even hire Secret Shoppers to enforce their heavy-handed, dictatorial regulations! 

(Most sever...

Ep. 232 - So you want to be a Medicare Advantage salesman? from 2021-09-07T20:45:22

Take some classes, pass some tests and voila! You will be what they call "certified" and "ready to sell".

Gee, let's hope the government geniuses in charge of your new career know exactl...

Ep. 231 - ”Beyond the Medicare Advantage Scam!” - A powerful indictment of the.... from 2021-09-05T19:43:14

…"shameful marketing of Medicare Advantage plans". Unfortunately, the article seems to have been written by an avowed Communist that hates  our free enterprise system, not to mention the persuas...

Ep. 230 - Medicare deadlines one cannot ignore - unless you follow our advice! from 2021-09-02T18:18:27

Annual Election Period (AEP) is one of several opportunities Medicare participants have during the year to enroll, switch or disenroll in the various types of insurance protection one needs to c...

Ep. 229 - ”A Medicare Nightmare” - A trial attorney sob story in which only Medicare wins! from 2021-08-31T21:10:23

The short version: A careless hospital employee drops Gramps on his head; the hospital manages to keep Gramps alive for three expensive weeks in the ICU; after Gramps expires his family wins a w...

Ep. 228 -What happens when you dial that number Joe Namath is flogging? from 2021-08-29T17:23:06

In this episode we hear from a risk-taking woman who actually made herself a guinea pig. She called the insurance agents who hired Joe to entice us to "get what you deserve". 

What she g...

Ep. 227 - Medicare horror stories; from 2010, but still horrible! from 2021-08-26T18:55:51

An article detailing a review of termination letters from some Medicare Advantage reveals maltreatment of their members, leading to potentially life-threatening consequences.

This is a s...

Ep. 226 - How to fight the IRMAA cash grab (and maybe win)! from 2021-08-25T08:11:32

Our buddy Steve prevailed over the success penalty through persistence and a skillfully completed form SSA-44. In this episode we provide some instruction as to how to complete and submit this "...

Ep. 225 - High Deductible (high value) plans: simplest explanation ever! from 2021-08-22T18:28:03

A road trip to Eldon, IA evolves into a Medicare revelation and very good economic news for a retired psychotherapist from California.

(Most severe critic: A)  

Inspired by "MEDI...

Ep. 224 - The Saga of Ken&Schelly: a man of action waits for nothing! from 2021-08-20T09:40:54

Among my favorite clients, Ken & Schelly relocated and set events in motion that ultimately exposed a flaw in my message: Sometimes I don't make it clear that I want to sell you the insurance yo...

Ep. 223 - Processing error? SSA "forgot" to pay Advantage premiums for 250,000! from 2021-08-17T18:08:54

Insurance premiums should have been deducted from Social Security payments. Lots of people woke up months later to find their insurance companies dunning them for past-due premiums or cancelling...

Ep. 222 - SSA is overwhelmed lately; It takes too long to fulfill their duties! from 2021-08-15T18:19:21

For those waiting for approval of a Medicare application or an IRMAA appeal, the wait can seem interminable. Recent feedback tells me that consistency is out the window. Each office seems to ope...

Ep. 221 - Sicker patients leave Medicare Advantage plans in greater numbers! from 2021-08-12T18:00:22

As participants get sicker, they are more likely to leave MA plans, often due to the difficulty of gaining access to specialists and top-notch treatment facilities.

Don't blame me; this ...

Ep. 220 - Potential fraud in Medicare Advantage plans: raking in the cash! from 2021-08-10T18:03:29

Government audits have uncovered pervasive overcharging on the part of insurance plans that survive and thrive by feeding at the government trough.

All of the audited plans, except for t...

Ep. 219 - I want to start a company and make big bucks from day one! from 2021-08-08T16:27:58

One sure-fire way to do it is to dip into the Federal Government's very deep pockets. I think I will start a Medicare advantage insurance company and "miscalculate" the number of really sick ins...

Ep. 218 - Fraudulent overbilling seems to be the legacy of Medicare Advantage! from 2021-08-06T16:22:47

An article from the relatively recent past recounts the hundreds of millions of your tax dollars funneled into the coffers of mismanaged Medicare Advantage plans.

One vehicle for this th...

Ep. 217 - Long Term Care Insurance - much better as a voluntary purchase! from 2021-08-03T18:43:04

Washington State has instituted a mandatory LTC program. Thanks, Big Brother!

Listen to this episode for a history of Long Term Care insurance, from the Lazy Man's perspective. 

...

Ep. 216 - Trip through the MLM questionnaire, then click "send"! from 2021-08-01T19:51:26

Randy Carson (C2C Consulting, LLC) explains why some of the fields can look a little quirky depending on what device is being used for the visit to "Medicare for the Lazy Man.com"

(Most ...

Episode 215 - Medicare questions? Join our mega marathon MLM Mailbag session! from 2021-07-29T21:15:06

Readers of Medicare for the Lazy Man (2021) often send messages asking for clarification or additional information.

Today we review some of that correspondence in order to benefit listen...

Ep. 214 - Save big bucks with "High Deductible G"! Exactly what risk do you run? from 2021-07-27T20:21:21

The extra risk one accepts when purchasing the high value "HDG" is measurable and MLM has created a tool to do exactly that.

HDG almost always packs the biggest bang for the buck. Howeve...

Ep. 213 - The Medicare for the Lazy Man (MLM) Mailbag gets an extended visit today! from 2021-07-25T17:27:17

Chip is looking for a recommendation for a Social Security book, but I had to disappoint him.

Walter asked if there will be a 2022 edition of "Medicare for the Lazy Man". I should have t...

Ep. 212 - Five surprising things that are NOT covered by Medicare! from 2021-07-22T19:19:37

The good news here is that Medicare is not entirely a Big Government welfare program. Some routine medical treatments are still the responsibility of the participants.

In a free, capital...

Ep. 211 - Are you "actively at work"? Then don't worry about a late enrollment penalty! from 2021-07-20T19:13:24

Turning age 65 does not cause the penalty clock to start running if you are employed or covered as a dependent by someone who is.

Before dipping into the MLM Mailbag, we open a couple of...

Ep. 210 - At last! Social Security explained: four facts it would be nice to know! from 2021-07-18T20:32:27

If you have the answers, you will know the exact best time to start taking SS payments.

For instance: how long do you think it will be before you die? Good luck with that one!

(M...

Ep. 209 - Interrogation of a so-called "expert" by a self-proclaimed "Medicare idiot"! from 2021-07-15T19:01:17

A session of free association about the advantages of supplement plans  replaces the promised visit to the MLM Mailbag.

What sounds like disjointed rambling is really an attempt to expla...

Ep. 208 - Changing minds with every turn of a page, MLM is showing a new way! from 2021-07-13T19:34:16

Many recent correspondents have expressed a change of heart, selecting Medicare supplements over the more problematic Advantage plans.

An MLM Mailbag item from a reader is an excellent e...

Ep. 207 - Stiffed by your bank? Earn 3% on your savings with my fave Medicare plan! from 2021-07-11T18:14:50

If you purchase a certain company's Medicare supplement, they will pay fairly generous interest on the accompanying annuity deposit you make. This makes any deductibles and coinsurance expenses ...

Ep. 206 - Toothless hillbillies or obsessed with dental hygiene? from 2021-07-08T18:01:37

My clients just cannot stop asking about dental, vision & hearing insurance! I finally have a plan to offer them that should make everyone happy! (except for the cheapskates, of course) 

Ep. 205 - GTT: Gone to Texas! Doug is in exit mode from Minnesota. Do you blame him? from 2021-07-06T16:12:42

Doug & Mrs. Doug want to buy Medicare supplements but wonder what will happen to those policies when they pull up stakes. A little back-and-forth noodling finally led to a perfect solution.

Ep. 204 - Don't expect Canada to let you run free - the scamdemic is thriving there! from 2021-07-04T17:48:51

When my very obedient sister expresses shock at how easily Canadians have buckled under to their masters, you have to know things are bleak up north.

Also, we dip into the MLM Ma...

Ep. 203 - Waiting for the ax to drop: when will Becky & Lester have to pay their share? from 2021-07-01T19:56:03

Good news for the birthday celebrants about their deductibles!

Bad news for me during a rousing Watergate themed round of "Stump the Expert"

(Most severe critic: ...

Ep. 202 - Our buddy Steve is already having doctor troubles; they don't all bill alike! from 2021-06-29T17:54:38

What happens when your ship is six hours away from port? How about when a hawk invades your house? Concierge doctors? 

There is no end to the knowledge one can absorb from the ML...

Ep. 201 - Patience please; G+ and HDG+ supplements are only in Illinois for now. from 2021-06-27T17:43:14

Also, Chris needed reassurance that, as long as she is actively employed with "creditable coverage", there is no need to enroll in Medicare.

(Most severe critic: A)  

Ep. 200 - Warren's mother has to fight off Medicare salesmen in Oklahoma! from 2021-06-24T17:05:40

Her case has a happy ending as do other situations drawn from the MLM mailbag.

Bonus: Eight steps to a happy marriage from the Babylon Bee.

Correction: National L...

Ep. 199 - Almost meaningless: Rating methodologies for supplements! from 2021-06-22T18:19:46

Supposed "experts" get cautious shoppers all worked up over nothing: attained age and issue age increases in the future will depend entirely on unpredictable circumstances and how each company r...

Ep. 198 - Some states do wacky things that cost their citizens dearly! from 2021-06-20T18:24:20

If your state forces insurance companies to use unisex community rates for Medicare Supplements, you could pay through the nose.

Art & Sandy almost fell into that trap but then t...

Ep. 197 - ASO means your company's insurance plan is a "whipping boy"! from 2021-06-17T18:23:27

Also, the BC/BS Association is under severe legal pressure from a $2.67 billion class action suit. 

Finally, a short Q & A may help shed some light on IRMAA.

(Mos...

Ep. 196 - Sudden illness strikes David - before Medicare protections begin! from 2021-06-15T18:13:04

Also, we have a report from Steve on Go Go Meds and hear from an enthusiastic fan in Indiana who suddenly realizes he is corresponding with his favorite Medicare expert, the actual author of MLM...

Ep. 195 - The Ballad of Lester & Becky (how a corporate giant almost took them for a ride)! from 2021-06-13T20:40:44

A clever bit of subterfuge managed to get this coosome - twosome back on the right track.

Also, briefly mentioned, is Warren's Mother who was sick of her popularity with Medicare...

Ep. 194 - The sun rises on a new class of Medicare supplements! from 2021-06-10T17:16:28

Here come Plan G+ and HDG+ which include many popular (formerly) optional benefits for a very small additional cost.

The birth has taken place in Illinois but should spread acros...

Ep. 193 - People are dying to enroll in Medicare! That's how good they think it is... from 2021-06-08T18:49:13

One doctor's study shows a disturbing trend: those under 65 are waiting for Medicare enrollment to seek treatment for potentially deadly conditions.

Tsk tsk! There is no reason t...

Ep. 192 - Medicare has given "brain freeze" to an MLM Mailbag correspondent! from 2021-06-06T17:50:53

After a round of "Stump the Expert" I try to regain my composure by dipping into the mailbag to address some burning questions.

(Most severe critic: B+)

Inspired ...

Ep. 191 - Medicare Advantage peddlers on the loose! A visit to the MLM Mailbag. from 2021-06-03T17:58:02

Also, blessed are the landscapers, especially those who turn out not to be all that noisy after all!

(Most severe critic: A+)

Inspired by "MEDICARE FOR THE LAZY M...

Ep. 190 - Get insulin at reasonable cost with some Part D plans! from 2021-06-01T19:32:59

The Feds have very struct rules about what your agent may call this opportunity. If he messes it up you can turn him in!
(Most severe critic: A)

Inspired by "MEDICARE FOR THE...

Ep. 189 - Issue age or attained age rates: which is the better deal? from 2021-05-31T06:57:24

NEITHER!

The insurance company needs to remain profitable AND competitive, so the premium rates will be adjusted downward or upward as needed to meet their goals.

Ep. 189 - Issue age or attained age rates: which is the better deal for a supplement? from 2021-05-31T06:57:24

NEITHER!

The insurance company needs to remain profitable AND competitive, so the premium rates will be adjusted downward or upward as needed to meet their goals.

Ep. 188 - How about a rousing game of "Stump the Medicare Expert"? from 2021-05-27T22:13:10

After my humiliating defeat we briefly dip into the MLM Mailbag to respond to some questions from readers.

(Most severe critic: A)

Inspired by "MEDICARE FOR THE L...

Ep. 187 - Temporary health insurance: a low cost alternative to Obamacare! from 2021-05-25T19:13:32

Also known as "short term" health insurance, it is stripped of many of the costly ACA mandates, giving it a streamlined level of protection at a greatly reduced cost.

For a tempo...

Ep. 186 - How can you squeeze the most out of Medicare? from 2021-05-23T20:31:08

Among other freebies, there are 20 different preventive screenings that are covered in full by Medicare: no cost sharing at all!

Additionally, we describe the relatively new Tele...

Ep. 185 - Good news for some druggies; bad news for some Oklahomans! from 2021-05-20T20:54:21

A newly discovered prescription discount card has a silly name - Go Go Meds - but just may save some $$$ when filling prescriptions.

Are you covered by a BCBS Managed care or Adv...

Ep. 184 - How does one enroll in Part B without frightening the SSA twerps? from 2021-05-18T20:44:56

Thanks to our favorite interrogator Steve, I get to read very specific instructions about the best way to communicate with the Feds about enrolling in Part B without endangering their oh so deli...

Ep. 183 -Looking for a new career? How about selling insurance? from 2021-05-16T21:05:46

A "people person" might just find insurance sales to be a very rewarding and lucrative professional career path.

Also, are you a woman of "a certain age" who has let her hair go ...

Ep. 182 - The next big thing in Supplements? Not Plan N (in my view)! from 2021-05-13T20:00:02

An insurance company position paper suggests that agents steer customers to Plan N as the the rates for Plan G respond to upward pressure.

Completely ignored is the best money-sa...

Ep. 181 - A blissful May- December marriage emerges from the MLM Mailbag! from 2021-05-11T19:44:32

Among the take-aways is that we are all separate individuals in the Medicare world. Husbands and wives may find themselves with different supplement plans from different companies.

Ep. 180 - Anatomy of a Medicare high value plan (our new name for Plan HDG)! from 2021-05-09T21:41:01

This can't be said too often: High Deductible Plan G (HDG) is a terrific value for all but the most chronically ill Medicare participants.   

Unless there is a year of unusually ...

Ep. 179 - Global warming explained; Episode classification system instituted! from 2021-05-07T08:32:51

In addition to resolving political disputes, MLM has contracted with a service to provide an overall letter grade for each episode.

Also, we dip into the MLM Mailbag to find that...

Ep. 178 - Looking forward to Medicare enrollment? Neither was Steve! from 2021-05-04T20:19:13

Signing up for Part B was just a little more confusing than Steve expected it to be. He and I were able to put our heads together and figure it out, starting at minute 8:00.

Afte...

Ep. 177 - The top five mistakes most commonly made in Medicare. from 2021-05-02T17:10:34

Hint, most of these mistakes seem to involve wasting money.

The fun starts at minute 8:00!

(Most severe critic: A-)

Inspired by "MEDICARE FOR THE ...

Ep. 176 - Over-achiever Rich jumped the gun: enrolled in Medicare too soon! from 2021-04-28T18:57:58

To get out of this pickle he must be interrogated by a government functionary and do a mess of paperwork. 

We answered some other MLM mailbag questions, but nothing this problema...

Ep. 175 - Ten Medicare tips for 2021 - if only you had a time machine! from 2021-04-27T20:51:29

Those who are stuck with Medicare Advantage plans have some work to do at year's end.... every year! Start taking notes at minute 13:00.

On the other hand, you won't need to worr...

Ep. 174 - Confused correspondents contact us for clarification! from 2021-04-26T10:36:52

We dip into the MLM Mailbag and come up with correspondence from three readers/listeners who have concerns about the consequences of their Medicare enrollment.

However, we start ...

Ep 173 - A frank discussion and warning about Medicare Advantage plans! from 2021-04-23T10:32:46

An idle question leads to an examination of some of the reasons advantage plans have ensnared hoards of unsuspecting enrollees. Most are never told that once they have abandoned the more desirab...

Ep. 172 - Can your insurance plan kill you? One study says yes! from 2021-04-20T19:43:53

Plans can influence the life spans of their enrollees, but most shoppers do not have enough information to choose the best ones. A single determinant is most critical: the price of the plan.

Ep. 171 - A working widow has 3 insurance plans; how does she decide what to keep? from 2021-04-18T17:52:55

Plus, Steve asks about employee leasing companies? Are they still out there? The serious MLM Mailbag readings start at minute 10:00.

Inspired by "MEDICARE FOR THE LAZY MAN; Simpl...

Ep. 170 - Is it ever possible or desirable to suspend Medicare? from 2021-04-15T19:26:22

One of the few Medicare questions to be answered with a question mark. Leave it to Dominick Regina to stump the expert while demanding an episode index!

The early minutes are spe...

Ep. 169 - Is your Medicare Supplement cost shooting off the charts? from 2021-04-13T21:51:26

Has your health deteriorated to the point where you cannot qualify for a more affordable plan? Don't despair, there is one sure-fire solution for you!  

The solution appears afte...

Ep. 168 - What if an Advantage plan loses docs or goes out of business? from 2021-04-11T14:13:42

We review several news items pertaining to turnover in the business (including a Part D plan going defunct). 

First we break out the party hats and noisemakers for a "welcome" ex...

Ep. 167 - Listeners and readers share their Medicare questions! from 2021-04-08T23:17:13

What happens to your Medicare participation if you return to the USA after years in a foreign country? Will your Medicare Supplement need to be replaced if you move from the frozen northeast to ...

Ep. 166 - Arizona's Mayo Clinic won't take Medicare patients for treatment! from 2021-04-06T20:57:14

After a spirited discussion of Indian casinos and Alaskan oil dividends, at minute 14 we turn to the MLM mailbag.

Correspondent Tim is trying to decide whether to stay on his wif...

Ep. 165 - What has distorted and perverted the health insurance marketplace? from 2021-04-04T15:53:37

Why Obamacare, of course, as I explain in answer to a question from the MLM mailbag! When it was a free market everyone paid less.

We'll get there at minute 14 after I describe o...

Ep. 164 - Dr. moves office up one floor; co-pay goes up ten fold! What gives? from 2021-04-01T19:42:55

If you haven't guessed the culprit by now, go back to Episode 1 and listen again for the oft-used word "disadvantage".

Also, Randy is going to avoid family fireworks by dodging h...

Ep. 163 - Side effects from the second Moderna injection? You bet! from 2021-03-30T19:46:56

For the first 10 minutes I describe my father's favorite recreational activities, including pulling weeds and testing customer treatment at various Ford dealerships in the area.

...

Ep. 162 - A great day in the life of a salesman; hard to describe but fun to experience! from 2021-03-28T12:07:52

Being pursued by a lynch mob of demanding customers renews one's sense of accomplishment and feeling of self-worth.

Share the joy with me at starting at minute 12:30!

Ep. 161 - Do you have an HSA medical plan? Stay away from Medicare! from 2021-03-25T20:16:42

In order to avoid a tax penalty, do not make a deposit to your HSA while participating in any part of Medicare.

Take it from me, you should also stay away from flat beer!

Ep. 160 - Client communications can sometimes be confusing! (Excuse my alliteration.) from 2021-03-23T21:53:36

The first 13 minutes of this episode illustrate the difference between a cultured professional expert server of traditional Irish Guinness and a ham-fisted American beer swiller too cheap to giv...

Ep. 159 - How many reasons to avoid Medicare advantage? Let us count together... from 2021-03-21T15:04:05

A reading from Chapter 9 of the 2021 edition of Medicare for the Lazy Man as we enjoy the first ever MLM field trip!

Celebrating St. Paddy's Day, Randy introduces me to uniquely ...

Ep. 158 - Unfortunately, someone waited too long to apply for a low cost supplement! from 2021-03-18T20:16:25

Watch out! A sudden event can change your health and remove any options you once had to improve your protection and reduce your costs. 

This and other interesting items from the ...

Ep. 157 - Another perfect episode - until the loud landscapers arrived! from 2021-03-16T20:24:05

Between passes from the 2-cycle power tools I dip into the MLM Mailbag for some actual Medicare content. This all starts at minute 10:30. 

Inspired by "MEDICARE FOR THE LAZY MAN;...

Ep. 156 - Is the sky falling (on Medicare funding) again this year? from 2021-03-14T13:29:13

An expert predicts a dire future for the Medicare Trust Fund if taxes don't rise and payments to doctors don't decline. Haven't we heard this before?

The bad news starts at minut...

Ep. 155 - Stuffing 10 pounds of Medicare into a 5 pound bag! from 2021-03-12T09:56:41

Hard to believe but experts like us can actually make it all fit!

Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a ...

Ep. 154 - You can almost hear the escaping cold germs! Soldiering on, we..... from 2021-03-09T21:04:55

....spend the first 12 minutes getting ready to start the work at hand. Then I delve into the MLM Mailbag. A question about how desirable Plan N would be is answered briskly.

Als...

Ep. 153 -Are you sickened by under 65 health insurance costs? Listen to this: from 2021-03-07T17:28:16

Those who have only a temporary need or who can tolerate a limited level of protection might take a look at short-term health insurance. In fact, this could be a good choice for healthy people c...

Ep. 152 - Can enrolling in Part A screw up your life? Say it ain't so! from 2021-03-04T18:10:30

At minute 8:00 we discover that no, enrolling in Part A when you turn age 65 will only be a mistake if your medical plan allows for tax deductible HSA deposits.

There was also so...

Ep.151 - Are you getting the most from Medicare? (from the AMAC mag) from 2021-03-02T19:59:28

Listen to the long list of freebies that Medicare will provide. The goal is to  catch potential medical  problems before they become serious. 

The episode begins with a sneaky en...

Ep. 150 - Plan G or Plan N? NEITHER says Doug. HDG is the way to go! from 2021-02-28T21:03:20

Medicare Supplement High Deductible Plan G will almost always provide big monthly premium savings over regular Plan G and even over the newly promoted Plan N.

Agents won't volunt...

Ep. 149 - Randy's health improves while my mental acuity takes a nose dive! from 2021-02-25T19:33:57

For today's episode I dig deep into the MLM Mailbag, withdrawing a stack of correspondence.

I then proceed to attack this correspondence in reverse date order, answering question...

Ep. 148 The best comparison ever: G versus HDG! (Thank Steve for this one!) from 2021-02-23T16:53:15

Peace of mind or saving lots of money; how does one make the best choice? For some, the decision process is a real struggle, even though the worst-case risk is very limited. We breeze through it...

Ep. 147 Welcome back! First new episode of 2021 is about to rustle your ear wax! from 2021-02-21T19:33:01

The eye candy visible from the studio windows offered a powerful distraction to this junior podcaster.

Difficult as it was to stay on point, I still managed to  address several i...

Ep.146 One last visit to the MLM Mailbag for 2020: questions from reader & listeners! from 2021-02-18T20:12:21

One important lesson to take away from Episode 146: If the Feds try to nail you with an IRMAA and the high income year was a fluke or one time event, grab the proper form (I can help with that) ...

Ep.145 Planning to work after you are Medicare eligible? Well, you won't be alone! from 2021-02-14T18:33:33

A large fraction of Medicare eligibles are planning to continue working into their late 60s or beyond. 

Eventually, it will be wise to seek advice from a Medicare expert in order...

Ep. 144: Sit down and lock eyeballs with an insurance agent; What's he thinking? from 2021-02-11T20:42:23

Insurance salesmen have a multitude of training resources while their prospects have no one to coach them through the sales meeting.

We at MLM shed some light on the process by w...

Ep. 143: Advice for new insurance agents: 5 sales scenarios & how to handle them! from 2021-02-07T21:45:31

But wait, there's more! Act now I'll throw in an additional 5 scenarios (and how to handle them) for no extra cost.

That is an amazing TEN scenarios for the price of none! Instru...

Ep. 142 - A Christmas Eve visit to the MLM Mailbag (starting at minute 11:30)! from 2021-01-04T19:14:13

We interrupt our holiday mirth and merriment in order to share some professional opinions in answer to queries from readers and listeners.

1) Plan N is a perfectly reasonable rec...

Ep. 141 - More disappointment and broken promises from Advantage plans: from 2021-01-01T11:07:50

At minute 7:30 we review a report on the odds you will be able to get a plan with all of the great things Mr. Namath promises: prescriptions, meals, transportation, dental/vision and the much co...

Ep.140 - Mike's shots cost almost $4Kper month. How will Medicare handle that? from 2020-12-29T20:34:42

Mike isn't sure which part of Medicare will cover his treatments and neither am I. Whether it will be Part B or Mike's drug plan makes a difference in the percentage Mike will have to kick in. Listen

Ep. 139 - Government brainiacs outdo themselves again! Shhhh... don't tell your client! from 2020-12-27T19:34:14

Open Enrollment Period (OEP), January through March, is another time when you are allowed to leave an Advantage plan if it has become a problem.

The strange part is: the mental g...

Ep. 138 - Good news/bad news: Excellent dental insurance can be had, but... from 2020-12-24T19:19:27

Most people won't like the price. Seeking freedom of choice, I found a plan that does not force the insured into a tiny network of dentists plus it has hearing and vision benefits, Send me an e-...

Ep. 137 - Buy your drug plan without any dopey insurance agents! from 2020-12-22T19:47:38

If you are age 65+ and need a drug plan to ward off that lifetime late enrollment penalty, it can be a do-it-yourself project.

In short order, the steps pictured in Chapter 11 of...

Ep.136 -A medical pro is confused by the seasonal deluge of junque mail.... from 2020-12-20T20:59:01

A dip into the MLM Mailbag produces a question from a D.O. He wants to keep his current insurance and forego Medicare until he retires someday.

I had to reassure him that he coul...

Ep. 135 - 2021 BOOK IS HERE: Medicare for the Lazy Man: Simplest & Easiest Guide Ever! from 2020-12-18T13:45:44

Amazon has the paperback version listed for sale; the e-book and audible versions are coming as soon as possible.

Book number 1 apparently went out to Dominick Regina but enough ...

Ep. 134 - Straight out of the box we dip into the mailbag to answer some questions. from 2020-12-15T18:56:18

After some rigorous Medicare Q & A we wrap it up with the heartwarming story of Pinky, the kitty cat hoping to be adopted, or at least released. 

Inspired by "MEDICARE FOR THE LA...

Ep.133 - On the way to the publisher: Medicare for the Lazy Man - 2021 edition! from 2020-12-13T18:23:12

Super-fan Dominick Regina has requested the first copy off the presses. I hope we can accommodate that request!

Also, guess whose grandson is considered such an essential Califor...

Ep. 132 - "Pitfalls of Medicare Advantage Plans" has some juicy excerpts here! from 2020-12-10T20:04:34

Coincidentally, a well regarded insurance company in Ohio announced it has severed ties with a large network of medical providers.

Where will those members go for treatment when ...

Ep. 131 - DENTAL INSURANCE: we all love it but nobody wants to pay for it! from 2020-12-08T17:49:41

First out of the box, Randy has a diabetic relative who fell into the clutches of an evil Medicare Advantage salesman: her very own son! Help!

After dealing with that family trag...

Ep. 130 - Beware low "loss leader" rates; the company will eventually reclaim that cash! from 2020-12-06T18:59:51

At about minute 12:30, correspondent Steve checks in with a question about how to choose the best Medicare Supplement insurance company.

Be careful of carriers not dedicated to m...

Ep. 129 - My exchange with a trepidatious prospect: did I go too far? from 2020-12-03T22:18:17

After being questioned at some length, even asked to complete a 3rd party questionnaire, I warned that he might be over-thinking the Medicare Supplement purchase process. My prospect replied in ...

Ep. 128 - More Medicare scams? Those crooks are very industrious! from 2020-12-01T21:39:15

At minute 4:30 we run down another list of scams being perpetrated on the Medicare generation by hard working shysters.

Also discussed is the potential for voter fraud 40 miles w...

Ep. 127 - Target on your back? Scams they think you are dumb enough to fall for! from 2020-11-29T19:26:06

According to an article, there are six Medicare scams making the rounds: phone calls, door to door visits and fake genetic testing frauds are just a few of the methods they will try. 

Ep. 126 - Escape the traps advantage plans have laid for you; might be easy to do! from 2020-11-26T19:32:09

Step up to a "high value" Medicare Supplement plan by answering some health history questions and plunking down a few bucks every month. 

After minute 6:00 I read out those few h...

Ep. 125 - A Medicare plan that pays you money? Thousands of US greenbacks per year? from 2020-11-24T19:29:18

That is what happens with a Medicare MSA plan. As they say, "you decide how to spend, save or invest the funds". Send us an e-mail if you would like to see a brochure.

We "get af...

Ep. 124 - "High Value Plans" explained so everyone can understand how great they are! from 2020-11-22T19:19:49

Our current favorite correspondent Steve has presented a pithy question that demands a thorough answer. I am happy to comply at minute 4:00.

(Most severe critic: A)

Ep. 123 - The 2021 Medicare premiums/co-pays & penalties: guess which way they went! from 2020-11-19T19:18:27

Early on we had a mouth-watering discussion of the best Ruben sandwiches ever served in Arizona.

At minute 10:00 the fun stopped and the Medicare started. Following that was a sh...

Ep. 122 - Does your plan really love you - or is the government paying them to pretend? from 2020-11-17T20:11:31

At minute 4:15 we start to uncover the motive behind all the concern those Medicare Advantage plans express for your well-being. Can it be sincere?

(Most severe critic: A-)

Ep. 121 - Worst part of my job: valued clients have been victimized by stupidity! from 2020-11-15T19:24:34

A fruitless attempt to figure out why a prescription drug ID card in the hands of a new client was rejected by drug store staff.

The excitement starts at minute 3:00!

Ep.120 - Questions from the MLM Mailbag - right after a few skydiving stories. from 2020-11-12T19:46:06

Starting at minute 10:00 we hear from a German national who went to Wilhelm Automotive (for auto repair) and found Medicare for the Lazy Man in the waiting room. Of course she has questions abou...

Ep.119 - Tales of 2 who are fed up with Advantage and want Supplements from now on. from 2020-11-11T10:52:26

One of them was lucky enough to be allowed the improvement, but for the other it was too late. We all cross the line of insurability at some point in our lives, maybe early on or maybe at the ve...

Ep. 118 - A mailbag marathon looks at three burning questions from three curious readers: from 2020-11-08T18:28:50

At minute 10:00 we look at a Medicare Supplement plan that allows one to change to more comprehensive coverage at year 2 with no restrictions. Also, why is individual dental coverage so darned e...

Ep. 117 - Procrastination: Don't do it, unless you want to pay a life-long penalty! from 2020-11-06T08:47:53

After describing the solution devised on Omaha Beach by a real-world problem solver, we turn to the serious subject matter at minute 13:20. 

A 73 year-old procrastinator finally ...

Ep. 116 - Quantum physics & the world of Medicare. Are they related? Who knows? from 2020-11-03T16:31:51

Sometimes free association leads us astray but the serious Medicare content in this episode starts at about minute 18:00.

What follows is four items dredged up from the bottom of...

Ep. 115 - Lost in your spam folder! That's where my very prompt response might be hiding. from 2020-11-01T18:14:41

The hard core Medicare content starts at minute 14:30. Then you will hear about a surgical clinic defection from  the Anthem  network in Missouri.

How about that MLM staff, huh? ...

Ep.114 - A Canadian hospital happily accepts Yankee dollars to fix a Senatorial hernia! from 2020-10-29T20:48:19

We launch right into a couple of sticky wickets presented by correspondent  Steve, one of our most inquisitive listeners. 

Also, what deadly examination practices are they teachi...

Ep. 113 - All new: the High Value Medicare Supplement Plan best choice for most people! from 2020-10-27T19:45:12

No more scary "High Deductible" plan; we are renaming it to the more accurate: High Value Plan. Great protection along with great savings!

The name change celebration starts at a...

Ep. 112 - "Ahoy!" That is how Bell wanted us to answer the phone; plus other trivial facts. from 2020-10-25T17:47:48

Our trip to the MLM Mailbag today leads us through the design of Medicare Supplement plans in Wisconsin in order to help a soon-to-be retiree come to the best possible course of action.

Ep. 111 - Find your very best drug plan using the government website - it's like magic! from 2020-10-22T18:48:13

The most cost-effective PDP (Prescription Drug Plan) takes into account your drugs needs plus the places you fill prescriptions.

Ignore the monthly premium; ignore the deductible...

Ep. 110 - Would you like to watch a great little Youtube Medicare webinar? Here's a link: from 2020-10-20T18:29:01

Paul Sheldon is as expert as they come in the Medicare arena. His very informative Youtube webinar is discussed at minute 6:00 and is located here:

Good for customers, tough on ...

Ep. 108 - Pie-in-the-sky + confusing ad copy: welcome to the Annual Election Period! from 2020-10-16T08:49:23

In this, history's longest MLM podcast, we also examine motivations behind apparently altruistic efforts to identify members who may be in dire straits. Should we be suspicious?

...

Ep. 107 - Stay safe - avoid Medicare seminars at all costs! Don't catch "Advantage-itus"! from 2020-10-13T20:57:54

Additional subjects:

5 Reasons people switch plans during Annual Election Period; Roger the sound engineer has a happy ending; police visit Chez Jones looking for a stolen white ...

Ep. 106 - Wisconsin has oddball Medicare Supplement plans! (So do Minn. and Mass.) from 2020-10-11T18:56:05

We open the mailbag with a plea for assistance from Wisconsin. Time was I used to suggest they seek help from local insurance types. No more!

Now I am licensed in all states and ...

Ep. 105 - Brain-eating amoebae can ruin your day! (Health alert starts at minute 8:30.) from 2020-10-08T20:00:28

Other horrible things we address include a Medicare claim denial booklet addressed to the wrong party, weird looking people on the cover of the newest "Medicare and You" government guide book an...

Ep. 104 - Urging health precautions? You don't know insurance sales types very well! from 2020-10-06T19:56:05

First, listen to a carefully constructed rendition of how a lost tooth leads to some of the tastiest steak dinners in the Midwest.

Ridiculing of the easily panicked germaphobes b...

Ep 103 - ANOC is coming your way - if you have a PDP or an MA or an MA-PD. WTF? from 2020-10-04T18:09:13

Annual Notice of Change will arrive and government bureaucrats hope you will enjoy reading it! It delineates changed provisions in your plan for 2021.

Before that, enjoy some den...

Ep. 102 - Mole People underwrite risk to keep insurance companies safe! from 2020-10-01T18:18:40

Before dredging up some items from the MLM Mailbag, Randy interrogates me as to how insurers assess risk and decide whether to accept or reject it.

Inspired by "MEDICARE FOR THE ...

Ep. 101 - Insurance is not for sissies; filling out an application is no fun for anyone! from 2020-09-29T20:47:51

Underwriting departments are full of lawyers and other mole people who never see the light of day (voluntarily). What they are busy doing is forcing agents like me to interrogate clients mercile...

Ep. 100 -"Step off Steve, Mike is here!" The Medicare questions are flying thick & fast! from 2020-09-27T20:34:20

Keeping our solemn pledge, we "get after it" at minute 4:00.

I first attempt to narrow the scope and answer Steve's very general question about why there are so many confusing pl...

Ep. 99 - APPEAL! This is what you do when "The Man" refuses to pay up! from 2020-09-24T18:28:21

The 5-step appeals process is in place and waiting for disappointed, frustrated patients.

If successful, they will have their wishes granted, or be reimbursed for the  costs they...

Ep. 98 - If your child was an M.D., would you still avoid doctor visits? from 2020-09-22T18:36:32

We should all have the foresight to raise a doctor! 

Also, when thinking about a Prescription Drug Plan, forget about the big scary donut hole! Concentrate, instead, on what the ...

Ep. 97 - Article: 17 reasons people choose supplements over advantage plans! from 2020-09-20T18:30:45

Sparked by listener Steve's latest query, I get bogged down in the research and finally give up finding an answer.

Then I turn to the list of 17 (which eventually shrinks to abou...

Ep. 96 - The states are turning green on MedicareForTheLazyMan.com! from 2020-09-17T19:59:18

Next is a really short questionnaire for those who want to buy a Medicare Supplement plan.

Answer a few questions, click the button to "submit" and then I will have the minimum i...

Ep. 95 - A question from the laziest reader in the history of Lazy Man! from 2020-09-15T18:34:12

Sounding like a frustrated student at Harvard Law, a Texan asks how to obtain DENTAL, VISION & HEARING coverage. This offers a perfect opportunity to flog my new dental product that requires no ...

Ep. 94 - Questions from readers & listeners drawn from DBJ@MLMMailbag.com! from 2020-09-13T19:11:20

An in-depth discussion of Treasure Island and the ideal Warfarin score precedes the start of Medicare business at minute 13:30.

Three questions were addressed:

1)...

Ep. 93 - The good, the bad and the ugly of Medicare Advantage plans! from 2020-09-10T21:03:56

As AEP (the annual election period) approaches, discussion of the generally less desirable MA plans increases in frequency. 

From about minute 6:30 a partial list of flaws in Med...

Ep. 92 - What costs $29 per month in California? Fantastic Medicare protection! from 2020-09-08T19:15:59

A fan near San Diego needs a supplement plan and now understands that High Deductible Plan G just might be his best choice!

We "get after it" at minute 11:30 after discussing loc...

Ep. 91 - Prescription Drug Plan selection plus a tribute to the Navajo Code Talkers from 2020-09-06T18:23:02

We "get after it" early by cautioning a correspondent that his family agent can probably sell him the Medicare Supplement plan of choice. However, he would be more likely to get the least expens...

Ep. 90 - Save big money by buying High Deductible Medicare Supplement Plan F or G! from 2020-09-04T16:21:50

The most powerful Medicare insurance protection is Medicare Supplement. The most bang for your bucks is Medicare Supplement High Deductible Plan G (or F) It saves you considerable money each mon...

Ep. 89 -A listener almost tricks me into forgetting my job: to SIMPLIFY Medicare for you! from 2020-09-01T18:45:58

The serious Medicare business starts at about minute 7:30. 

However, it is preceded and followed by some very serious dental talk.

Inspired by "MEDICARE FOR THE L...

Ep. 88 - How many foreign language interpreters should we have to pay for? from 2020-08-30T15:22:25

Let's face it, government lawyers have loaded insurance companies with all kinds of needlessly expensive responsibilities. They pass the expense along to us in the form of higher premiums and nobod...

Ep. 87- When to enroll? The answer is right in this little book put out by the Feds! from 2020-08-27T21:17:10

Newly discovered by this Medicare expert is a government publication entitled: "Enrolling In Medicare Part A & Part B". Download it free of charge with the search info provided in this episode.
Listen

Ep. 86 - Warning: AEP is approaching! Beware the hordes of locust-like sales types! from 2020-08-25T18:18:22

The Annual Election Period starts October 15th.
This is the time of year when all Medicare Advantage plan holders are allowed to dump the crapola they have for different crapola they might not ...

Ep. 85 - DON'T YOU BE EYEBALLIN' ME, BOY! Medicare will help solve your cataract concerns. from 2020-08-23T20:36:33

After cataract surgery, the patient will likely enjoy improved vision and a choice of intraocular lenses for the enhancement of visual acuity. 
The serious Medicare business starts at about min...

Ep. 84 - Is my test, item or service covered? Just ask: Medicare.com! from 2020-08-20T20:38:21

There is a lengthy list of free screenings and preventive services covered by Part B of Medicare. Just ask!
The serious Medicare stuff starts at minute 4:00.
Also, take a quick peek at some...

Ep. 83 - Welcome to Medicare... time for an exam! How about a freebie each year? from 2020-08-18T20:56:28

In accordance with the new resolution, we "git after it" at minute 2:45.
From the MLM Mailbag, a reader has correctly calculated the worst case scenario for buying High Deductible Plan G. Turns...

Ep. 82 - Those who need help buying a supplement shall never be turned away again! from 2020-08-16T21:21:28

A listener writes to report that he is likely to be IRMAA-NIZED when he goes on Medicare next year. I hope he listens to the preceding episode to learn how to appeal that success penalty! 
He a...

Ep. 81 - Snared by the success penalty? There may be a way to weasel out of IRMAA! from 2020-08-13T19:43:41

The eight page Form SSA-44 just may be your ticket to a reduction or removal of the Income Related Monthly Adjustment Amount. Google and download it pronto!
The meat of our Medicare subject sta...

Ep. 80 - The MLM Mailbag squirts out a foolproof method to select the perfect drug plan! from 2020-08-11T20:15:07

Another writer wants to know how to pick the very best of four high quality Medicare Supplement insurance companies. The Medicare business starts at minute 6:30.
Afterwards, thanks to Mike Rowe...

Ep. 79 - My favorite Medicare Supplement plan, as viewed by the Journal of Accountancy. from 2020-08-09T19:26:37

Thanks to Steve, I learned how anal retentive accountants want to measure the benefits of High Deductible Medicare Supplement plans. They missed the mark by a wide margin as I explain, starting at ...

Ep. 78 - Mandatory SS payments? Mandatory VA benefits? I don't think so! from 2020-08-06T20:14:24

Surprisingly, we get down to business at minute 3:00.
After extracting a couple of items from the MLM Mailbag I take a trip down memory lane (Route 66) in a classic corvette.
(Most severe c...

Ep. 77 - A mystery solved; the flaw in the Government drug plan selector is unravelled! from 2020-08-04T16:01:49

The key problem: the plan selector will not let you pick the desired start date. Rather, it just assumes that you are buying a PDP at the 1st of the following month.
 
Medicare content begi...

Ep. 76 - Due to the Wuhan virus, Part B enrollment rules for late retirees are liberalized. from 2020-08-02T21:42:41

Now, the Part B application process can be handled online for those who are past age 65 and leaving active employment.
 
The Part B application (CMS-40B) can be submitted in accordance with...

Ep. 75 - Beware the advice your co-workers may offer; it could cost you some money! from 2020-07-30T18:08:09

My friend and neighbor Ronnie X. was led astray by fellow employees and was not well served by his HR department which allowed the misinformation to stand.
 
Medicare content starts at minu...

Ep. 72 - The MLM Mailbag produces messages from 3 correspondents who seek help! from 2020-07-28T22:56:55

In addition to Medicare insurance assistance, you can also learn about an hilarious movie ("Start the Revolution Without Me") and some historical information about those who seek gold in Arizona's ...

Ep. 71 - A classic Corvette, a country road, a Sunday cruise; what could go wrong? from 2020-07-26T12:06:23

Try to ignore the microphone malfunction while listening to the sad Corvette saga, which includes a reluctant passenger of the Bottle Blonde persuasion.
 
The real Medicare fun starts at mi...

Ep. 70 - Is there a Holy Grail to be found? Three mailbag correspondents are on the quest! from 2020-07-23T17:26:43

As a salesman this just breaks my heart: all of today's MLM Mailbag stars are looking for a licensed agent who can sell them my recommended Medicare Supplement plans with a minimum of stupidity and...

Ep. 69 - Medicare plans caught screwing over their customers? Did someone predict it? from 2020-07-21T19:54:49

Oh yes, Medicare for the Lazy Man has been warning listeners about the drawbacks of Medicare Advantage plans. Now government inspectors have exposed their tactics to the light of day.
 
The...

Ep. 68 - The Mailbag Marathon Episode; features only one item from the MLM Mailbag (because we are such gasbags)! from 2020-07-19T12:30:02

Ever known anyone with a pet mongoose they kept in a cage and took bar hopping? 
At about minute 19:00 we hear from Kirb Walters who wants to minimize his Medicare expenditures. He needed to be...

Ep. 67 - Returning to the mailbag to placate patrons of Harold's Cave Creek Corral and the Buffalo Chip Saloon. from 2020-07-17T09:46:12

Before that enjoy some horror stories from the annals of pediatric medicine in the last millennium. I reach into the MLM Mailbag at minute 21:00 for a couple of Medicare questions from readers of m...

Ep. 66 - Another beloved "Mailbag" episode for the bar patrons in Cave Creek, AZ; this time we feature Don and "Lucy". from 2020-07-15T09:00:13

Episode 66 begins with a discussion of how concealed carry might be contributing to a more polite society and an opinion as to the effect airline stewardesses have had on the world of travel access...

Ep. 65 - A "Medicare for the Lazy Man" reader wants to pay for a consultation about her Medicare options; YIPPEE! from 2020-07-12T22:44:46

Her dilemma? Whether to accept an inevitable IRMAA penalty or to go on COBRA and invite a lifetime late enrollment penalty. First we explore the history of electrical generation and the larger than...

Ep. 64 - Hearkening back to a prior episode to revise our opinion about Drug Discount Cards: "Good Rx" can be good! from 2020-07-10T09:50:58

If you can endure the horrible audio results of an experiment gone tragically wrong, the real meat of this episode will start at minute 11:00.
In the meantime we visit the world of 1950s childr...

Ep. 63 - FORBIDDEN! Things government bureaucrats won't allow some agents to discuss during an appointment. from 2020-07-07T23:02:56

When an agent is pitching you on a Medicare Advantage or PDP plan, the CMS has a list of statements that agent is prohibited from uttering, under penalty of.....? 
First, we discuss some amusin...

Ep. 62 - I READ IT ON REDDIT! Huge misinformation in an exchange with a woman trying to help her mother. from 2020-07-05T17:19:40

With a name like "Medicare for the Lazy Man" I expect to be sneered at periodically, but to misquote one of the major positions consistently put forth on this podcast is just irresponsible.
In ...

Ep. 61 - Pre-existing conditions, will they be covered by Medicare? Yes, as long as you follow the rules! from 2020-07-02T20:34:36

Medicare has very specific rules about when to enroll in Parts A & B. Follow them and all will be well; ignore them and you may find yourself without proper protection for some period of time. The ...

Ep. 60 - Very little here is accurate! A lesson for the budding junior podcasters out there: don't work too far ahead! from 2020-06-30T21:06:47

1) the Chattanooga basketball team is really the Memphis Grizzlies. 2) Doug woke up with his idea of the "black box in Medicare Supplement insurance" on May 11, 2017. 3) Doug met the Carsons in Mar...

Ep. 59 - "Final Expense" is really just expensive life insurance wrapped up with a pretty bow for the unsophisticated. from 2020-06-28T20:20:46

Door-to-door salesmen sell Final Expense packages which are expensive and aimed at the buyer who is afraid of the label "life insurance". In reality, you are better off letting a professional asses...

Ep. 58 - Scary facts about Medicare Advantage plans: the costs and restrictions they won't talk about until it is too late! from 2020-06-25T15:28:02

How does an HMO or Medicare Advantage doctor save the insurance company $$$$ by denying you permission to see a specialist? Also, how does the human "lizard brain" differentiate the dangerous from ...

Ep. 57 - More from the hilarious list of Tax Qualified Medical Expenses. Also, we visit Erotica in audible books! from 2020-06-23T20:14:55

Why might Doug's book have been added to the "Erotica" category in addition to "travel tips"? Serious content (HA!) starts about minute 9:00.
Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simple...

Ep. 56 - Do you know what your highly paid govt. bureaucrats are up to when nobody is looking? Making lists of things! from 2020-06-20T19:57:36

We spend this episode plowing through part of the lengthy list of "qualified" medical expenses for those with HSAs, FSAs and MSAs, but not necessarily HRAs*. Needless to say, hilarity ensues!
T...

Ep. 55 - A visit to the MLM Mailbag today, with Dominick R. kicking it off in a big way. from 2020-06-18T20:12:46

Other questioning letters have to do with: a dopey insurance broker unleashed by Sherry's irritating brother-in-law; Robert preparing to move south in California and wondering what effect this will...

Ep. 54 - Special Enrollment Periods (SEPs) allow certain people to bend the rules about when to sign up! from 2020-06-16T22:00:02

There are iron-clad rules limiting the right to purchase a Medicare plan. However, the government has established a lengthy list of exceptions and modifiers that loosen those rules considerably. Listen

Episode 53 - How about the 1000 best things about Medicare? We get a good start on that list today! from 2020-06-15T18:59:53

Climbing as high as #15 on the list of the 1000 great things about Medicare, a cheerful discussion of the positive effects of Medicare ensues. Serious content begins at the 15 minute mark. 
Ins...

Episode 52 - ILLINOIS MEDICARE SUPPLEMENTS NOW ON SALE HERE! from 2020-06-12T13:47:01

The widget has been perfected! Come to MedicareForTheLazyMan.com to learn the cost of a great Medicare Supplement from a great insurance company. If you allow me to be your agent, you may complete ...

Episode 51 - Real life horror story: your docs & hospitals all cease to exist, at least as far as your MA plan goes! from 2020-06-09T21:33:07

When a large group of doctors and hospitals stops accepting your Medicare Advantage insurance plan, the mad scramble is on. This can happen any time of year even though you are stuck with that plan...

Episode 50 - Here is yet another source of Medicare expertise: Diane Omdahl, who says she is not selling anything! from 2020-06-08T13:06:33

Go to Ms. Omdahl's site: https://www.i65.com to avail yourself of completely unbiased advice applicable to your specific circumstances. Not free, though! 
You humorless curmudgeons should skip ...