Medicare For The Lazy Man Podcast: Recent Episodes
Douglas B. Jones, CLU, RHU with Randy Carson of C2C Consulting
Lighthearted Medicare advice and opinions from longtime expert Douglas B. Jones, CLU, RHU. Drawn from his book: Medicare for the Lazy Man (an Amazon best seller), Doug's advice provides a simple road map to the best Medicare insurance protection available on the market today!
MEDICARE ADVANTAGE MINUTE: LEAVE YOUR MEDICARE ADVANTAGE PLAN'S NETWORK AND IT CAN REFUSE TO PAY, LEAVING YOU WITH THE FULL BILL FOR OUT-OF-NETWORK TREATMENT.
THE GLP-1 BRIDGE TRIAL PROGRAM: HERE IS A LIST OF "CATCHES" FOR WHICH TO WATCH OUT.
NEBRASKA BEGINS A PURGE OF THE MEDICAID RECIPIENTS AS WORK RULES KICK IN.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
EJNOY THE FUN WHEN AI CREATES THE CONTENT FOR A PODCAST EPISODE!
THIS CONTENT INCLUDES A SERIES OF SHORT MEDICARE ADVANTAGE STORIES, SOME GOOFBALL QUESTIONS AND A SET OF SERIOUS MEDICARE QUESTIONS.
CORRECTION: ILLINOIS TOWNSHIPS ARE TYPICALLY 36 SQ. MILES RATHER THAN ONLY 6 AS I MISTAKENLY SAID.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: WHEN A MEDICARE ADVANTAGE PLAN DROPS YOU, YOU GET A GUARANTEED RIGHT TO BUY ANY MEDICARE SUPPLEMENT POLICY.
MEDICARE PAYS FOR SHORT TERM SKILLED CARE BUT NOT FOR A LONG TERM CUSTODIAL NURSING HOME STAY.
INSURANCE UNDERWRITERS ASKED A STRANGE QUESTION PERTAINING TO MY NEW CLIENTS, A MARRIED COUPLE WITH A VERY VAMILIAR NAME.
FINALLY, WE LIST THE STATES THAT HAVE GAINED, AND LOST, LARGE NUMBERS OF OLDER RESIDENTS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
FACING A FUTURE OF VERY EXPENSIVE MEDICAL TREATMENT, HAVING ENJOYED THE FINANCIAL BENEFITS OF HIGH DEDUCTIBLE PLANS FOR OVER A DECADE, WHAT DO THE OPTIONS LOOK LIKE IF A CHANGE TO ANY OTHER PLAN WERE POSSIBLE?
A VALUED CLIENT WONDERS WHY NOBODY AT HIS MEDICARE SUPPLEMENT INSURANCE COMPANY COULD BE REACHED BY TELEPHONE. I SUGGESTED THE REASON MIGHT HAVE SOMETHING TO DO WITH THE CALENDAR: IT WAS SUNDAY!
THE REPRESENTATIVE OF A MEDICAL EXPERT ASKED IF I WOULD CONSIDER HER CLIENT FOR A GUEST INTERVIEW. HER AREA OF EXPERTISE? TREATENT OF CANINE DEMENTIA!
FINALLY, IS PERSONAL INFORMATION SUBMITTED VIA A FORM ON MY WEBSITE REALLY SECURE?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
I ASKED AI TO CREATE SOME NEWS STORIES AND OTHER INTERESTING MEDICARE RELATED CONTENT FOR THE AMUSEMENT OF THE AUDIENCE TODAY. SUBJECTS CREATED ARE AS FOLLOWS: PLAN SHRINKAGE; HOSPITALS QUIETLY WALKING AWAY FROM MA PLANS: PRIOR AUTHORIZATION GETS A PARTIAL FACELIFT: AI IS NOW DENYING YOUR CARE AND GETTING SUED FOR IT!
NEXT COME SOME AI CREATED MEDICARE Q & A.
FINALLY, ENJOY A REPORT ON FORGETFULNESS AND WHETHER YOU NEED TO BE WORRIED ABOUT YOUR MENTAL CAPACITY.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: IN A HEALTHY YEAR A MEDICARE ADVANTAGE YEAR CAN SAVE YOU $2640. IN A CANCER YEAR IT CAN COST YOU $9250.
SUSIE HAS FRIENDS THAT PURCHASED EXPENSIVE PLAN G RATHER THAN MY RECOMMENDED, MUCH LESS COSTLY HIGH DEDUCTIBLE PLAN G. HER FRIENDS TURN OUT TO BE CONTOL FREAKS!
MY FRIEND BOB'S WIFE HAS A PDP (PRESCRIPTION DRUG PLAN) THAT CHANGED THE COVERAGE OF SOME DRUGS IN ITS FORMULARY FROM LAST YEAR TO THIS. AN OBJECT LESSON TO THOSE WHO DO NOT PERFORM AN ANNUAL SEARCH FOR THE MOST ADVANTAGEOUS PLAN AVAILABLE IN THE FOLLOWING YEAR.
LONG-TIME LISTENER STEVE INADVERTANTLY CAUSED A CORRESPONDENT TO CHASTISE HIM FOR USING THE WORD "RETARD" IN A SELF-DESCRIPTIVE WAY. TALK ABOUT WOKE! STEVE ALSO DESCRIBED A MARMITE ENCOUNTER THAT RESULTED IN AN APOLOGY WITH THE PROMISE OF A GIFT OF TASTY BRITISH BEER AS A SIGN OF CONTRITION.
FINALLY, LONG-TIME LISTENER DOMINICK DISCLOSED A LIST OF THE TEN WORST STATES IN WHICH TO LIVE. AFTER REALIZING THAT EACH PLACE ON THE LIST VOTED OVERWHELMINGLY CONSERVATIVE, DOUBT HAS BEEN CAST ON THE CNBC LIST CONSTRUCTORS!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: THESE PRIVATE MEDICARE PLANS DENIED SPECIALIZED CARE AT THE HIGHEST RATES.
DECEIPHERING MEDICARE'S ALPHABET SOUP.
A FRIEND"S SITUATION ILLUSTRATES THE GROWING DIVIDE BETWEEN THE EXPENSIVE PLANS (F AND G) AND MY RECOMMEND HIGH DEDUCTIBLE PLAN G.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The "MEDICARE BUYER COUNCIL" HAS TAKEN ON THE AWESOME TASK OF READING AND DIGESTING THE MEDICARE-RELATED CONTENT CONTAINED WITHIN THE 2026 EDITION OF "MEDICARE ENROLLMENT GUIDE".
THIS COLLECTION OF FIVE CRITICAL RESEARCHERS WAS CREATED BY AN EXPERT IN ARTIFICIAL INTELLIGENCE AND WAS DESIGNED TO EMBODY EACH OF THE IMPORTANT CHARACTERISTICS DISPLAYED BY THOSE INTERESTED IN GAINING MASTERY OF THE MEDICARE PROGRAM.
PERHAPS YOU SHARE ONE OR MORE OF THESE CHARACTERISTICS!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The "MEDICARE BUYER COUNCIL" HAS TAKEN ON THE AWESOME TASK OF READING AND DIGESTING THE MEDICARE-RELATED CONTENT CONTAINED WITHIN THE 2026 EDITION OF "MEDICARE FOR THE LAZY MAN".
THIS COLLECTION OF FIVE CRITICAL RESEARCHERS WAS CREATED BY AN EXPERT IN ARTIFICIAL INTELLIGENCE AND WAS DESIGNED TO EMBODY EACH OF THE IMPORTANT CHARACTERISTICS DISPLAYED BY THOSE INTERESTED IN GAINING MASTERY OF THE MEDICARE PROGRAM.
PERHAPS YOU SHARE ONE OR MORE OF THESE CHARACTERISTICS!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE PLANS ARE ALL QUIETLY CUTTING BENEFITS...MIDYEAR... IN SEVERAL STATES.
CLIENT JOE MOVED FROM OKLAHOMA TO KANSAS (BECAUSE OF A WOMAN, HE SAYS). HE WANTS TO KNOW WHAT THE CONSEQUENCES OF HIS MOVE WILL BE. HE WILL NEED TO SELECT THE BEST DRUG PLAN AVAILABLE IN HIS NEW HOME,
CLIENT ROBERT SAYS HE WANTS TO "TAKE A HARD LOOK AT DRUG COVERAGE THIS YEAR". I AM ALL FOR THAT BUT HE IS A LITTLE EARLY. THAT EFFORT SHOULD HAPPEN IN OCTOBER OR NOVEMBER.
FINALLY, MY ELECTRIC COMPANY SENT ME A LETTER CONGRATULATING ME ON USING LESS OF THEIR PRODUCT THAN ANY OF MY ILLINOIS NEIGHBORS! WHAT THE HECK ARE THEY RUNNING HERE? THEY SHOULD BE ORDERING ME TO USE MORE POWER, NOT LESS! HOW WOULD THEIR STOCKHOLDERS FEEL ABOUT A COMPANY THAT TRIES TO STIFLE SALES OF ITS PRODUCT!
.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 19 MAJOR HOSPITAL SYSTEMS, INCLUDING THE MAYO CLINIC, HAVE LEFT MEDICARE ADVANTAGE THIS YEAR
BOOK REPORT: "MEDICARE 2026 FIRST STEPS" BY TONI (SHE'S A GIRL) KING COMPARED TO "MEDICARE ENROLLMENT GUIDE" BY DOUG (HE'S A GUY) JONES
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: TRADITIONAL MEDICARE VS. MEDICARE ADVANTAGE: THE HIDDEN COSTS THAT NO ONE TALKS ABOUT
TONI KING COLUMN: HELP! EMPLOYER HEALTH PLAN DENIES PAYMENT FOR CANCER CLAIM (HINT: MEDICARE WOULD HAVE PAID)
SUSIE ASKS: WHEN MIGHT PLAN G ACTUALLY BE A BETTER CHOICE THAN HDG?
FINALLY, I LOSE AN ARGUMENT WITH CLAUDE
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE PLANS MUST MAIL YOU A LIST OF UNUSED BENEFITS DURING JULY....AND MOST TOSS IT?
MEDPAC OFFERS A LOOK AT "ENROLLMENT HICCUPS" FOR MEDICARE PARTICIPANTS
DAVID ASKED WHAT MEDICARE PLANS I MIGHT SUGGEST FOR HIM BUT HE OFFERED VERY FEW DETAILS ABOUT HIMSELF FROM WHICH TO DRAW CONCLUSIONS
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: INSURERS' PRIOR AUTHORIZATION DATA OFFERS LITTLE INSIGHT INTO WHAT GETS APPROVED OR DENIED
THE WISeR TEST OF PRIOR AUTHORIZATION IN ORIGINAL MEDICARE HAS NOT HAD A SMOOTH ROLLOUT, ACCORDING TO SOME REPORTS
PROSPECTIVE CLIENT MALCOM ACTUALLY PAYS MORE ATTENTION TO THE MEDICARE SUPPLEMENT QUOTES THAN THE EXPERTS!
CLIENT DAVID LEARNED THAT THE WEBSITE OF THE NEW YORK DFS (DEPT OF FINANCIAL SVCS) CONTAINS MUCH PRODUCT MISINFORMATION
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE PLANS GET A 2.48% RAISE FOR 2027, UP FROM A PROPOSED 0.09%
MEDICARE WILL START COVERING OBIESITY DRUGS FOR THE FIRST TIME EVER
LEARN MORE ABOUT MARMITE, THE STICKY DARK BROWN PASTE, THAN YOU EVER WANTED TO KNOW!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE HEALTH PLANS MAY CUT EXTRA BENEFITS IN 2027
HE THOUGHT COBRA COUNTED AS COVERAGE; MEDICARE SAID OTHERWISE FOR LIFE; THE KEY IS BEING "ACTIVELY AT WORK"
MEDIGAP (MEDICARE SUPPLEMENT) RATES ARE INCREASING AND SOME PLANS ARE HARDER TO QUALIFY FOR
CHRIS ASKS WHETHER A MORE EXPENSIVE PART D DRUG PLAN WILL PROVIDE BETTER COVERAGE FOR COSTLY DRUGS
MARK BECAME A BELIEVER IN HIGH DEDUCTIBLE PLAN G WHEN HE SAW THE SAVINGS TO BE ENJOYED. STILL, HE WONDERS WHAT TO EXPECT IN THE WAY OF FUTURE RATE INCREASES
FINALLY, ENJOY SOME ACCURACY IN A WALLETHUB LIST FOR A CHANGE!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: CVS (AETNA) DENIED 80% OF MEDICARE ADVANTAGE "LONG TERM CARE" REQUESTS, ACCORDING TO A FEDERAL WATCHDOG
ELAINE TRIED TO ESCAPE HER EXPENSIVE PLAN F WHICH WAS HEADING TOWARD $500 PER MONTH. SUCCESS OR....?
TWO MISTAKES PEOPLE MAKE WHEN CHOOSING A MEDICARE SUPPLEMENT.
FINALLY, STEVE FROM TEXAS HAS A QUESTION FOR WORLD TRAVELER RANDY
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: YOUR MEDICARE ADVANTAGE PLAN STOPS AT THE COUNTY LINE. ORIGINAL MEDICARE DOES NOT.
FAVORITE CLIENT BOB FOUND A BRAND NEW MEDICARE CARD WITH A BRAND NEW MEDICARE NUMBER WHEN HE OPENED HIS MAIL RECENTLY. EVIDENCE OF FRAUDELENT ACTIVITY OR JUST INEFFECTIVE PR BY THE GOVERNMENT?
DEAN OFFERED A SUGGESTION FOR FUTURE EDITIONS OF "MEDICARE FOR THE LAZY MAN". TURNS OUT HE DID NOT KNOW THERE IS AN AUDIBLE VERSION FOR HIM TO ENJOY.
PHOENIX CLIENTS PHIL & MRS. PHIL WERE SURPRISED BY THE SIZE OF THEIR PLAN G RATE INCREASES.
FINALLY, KATHY WONDERS IF MY USUAL ADVICE IN FAVOR OF HIGH DEDUCTIBLE PLAN G WOULD STILL BE VALID IN VIEW OF HER SPECIAL CIRCUMSTANCES.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: ARE THE TRADEOFFS FROM PRIOR AUTHORIZATIONS WORTH IT? THIS IS THE SINGLE BIGGEST BURDEN FOR PATIENTS WITH CHRONIC CONDITIONS
ONE COMPANY'S MEDICARE SUPPLEMENT RATE INCREASE IN THE STATE OF UTAH IS A WHOPPER
A PROSPECTIVE CLIENT CHECKS IN WITH SEVERAL PITHY QUESTIONS
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: ORIGINAL MEDICARE VS. ADVANTAGE. MORE RETIREES ARE SWITCHING BACK AND HERE'S WHY
IN RESPONSE TO A QUESTION FROM PODCAST LISTENER AND CLIENT MARK, WE TAKE A DEEP DIVE INTO THE SUBJECT OF PLAN N & WHY I DO NOT RECOMMEND IT TO MY CLIENTS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MAJOR MEDICARE ADVANTAGE INSURERS APPEAR TO DENY CARE FOR PROFIT: FEDERAL WATCHDOG. WORST OFFENDERS ARE: UNITED HEALTHCARE, HUMANA & AETNA
TRUMP ANNOUNCES TRUMPRx.GOV EXPANSION ADDING 160 MORE DRUGS
EXPLANATION OF MEDICARE SUPPLEMENT PLANS, INCLUDINNG THOSE THAT ARE LESS WELL KNOWN. AGENTS PUSH PLANS G & N EXCLUSIVELY THEY IGNORE THE VERY COST-EFFECTIVE HDG!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!
@
DBJ@M4TLM.com
W
medicareforthelazyman.com
T
(630) 878-5055
Review Us On Google
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: ELEVANCE (ANTHEM) ESTIMATES IT WILL TAKE $935 MILLLION TO AVOID THREATENED GOVERNMENT SANCTIONS
SPECIAL ENROLLMENT PERIOD (SEP) CREATED BY CLEAR SPRING"S DEPARTURE FROM THE MARKET
GOVERNMENT ONOUNCES BIG DISCOUNTS ON 15 MORE EXPENSIVE DRUGS USED BY MILLIONS
ENJOY SOME SELECTED READINGS FROM "THE ULTIMATE MEDICARE CHECKLIST FOR AGE 66+"
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE CRISIS: WHY YOUR PLAN MAY ADD NEW CHARGES TO YOUR ACCOUNT THIS WEEK!
FEATURES OF OUR WEBSITE ENUMERATED
ONE OF MY BETTER COMPANIES OFFERS RATE INCREASE STATISTICS: PLAN G GETS A 25% BUMP WHILE THE AVERAGE OF 13 HIGH DEDUCTIBLE PLANS IS ONLY A 10.37% INCREASE
HEALTH SHARING MINISTRIES FOR THOSE NOT YET ON MEDICARE: BEWARE!
AVOIDING MEDICARE SCAMS: TO ROOT OUT FRAUD, NEW HOME HEALTH AND HOSPICE SERVICE AUTHORIZATIONS HAVE BEEN SUSPENDED
WOULD YOU LIKE TO START YOUR OWN PODCAST? WE SHARE 13 LESSONS GATHERED FROM OVER 100 BUSINESS-RELATED PODCASTS
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE'S 72-HOUR RULE NOW GOVERNS MEDICARE ADVANTAGE APPROVALS
TONI KING'S NEW AI-WRITTEN BLURBS SEND A VERY BAD MESSAGE
STEVE (FROM TEXAS) ASKS A VERY THOUGHTFUL QUESTION ABOUT A MISGUIDED REPUBLICAN'S PLANS FOR THE FUTURE OF MEDICARE
JOHN ASKS FOR CLARIFICATION AS TO THE MOST ACCURATE WAY TO RESPOND TO PARTS OF THE MLM QUESTIONNAIRES
FINALLY, LISTEN TO AN EXPLANATION OF THE ACCEPTED INDUSTRY STANDARDS FOR THE INITIAL AND FOR SUBSEQUENT MEDICARE SUPPLEMENT PREMIUM PAYMENTS
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: NEW SENATE BILL COULD RESHAPE MEDICARE ADVANTAGE FOR MILLIONS. ONE OF THE FRICTION POINTS IT WILL TRY TO SOLVE WILL BE THAT OF PRIOR AUTHORIZATIONS.
EXPLANATION OF "USUAL & CUSTOMARY? HEALTH INSUEANCE CLAIM PAYMENT SCHEDULES.
FEE FOR SERVICE vs. MANAGED CARE ALSO EXPLAINED.
HIGHER LOSS RATIOS IN THE MARKET ARE BEING DRIVEN BY CLAIM TRENDS
THESE WEIGHT LOSS DRUGS:FOUNDAYO, WEGOVEY AND ZEPBOUND WILL BE MADE AVAILABLE UNDER THE "BRIDGE" PROGRAM STARTING JULY 1ST.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: RURAL TEXAS AT RISK; MEDICARE ADVANTAGE REDUCTIONS HIT HARDEST IN LOW POPULATION AREAS.
STILL WORKING AT AGE 65? HERE'S HOW TO HANDLE MEDICARE.
SINGLE SHOT AT PREVENTING HEART DISEASE.
NEW STUDY COULD REWRITE ALZHEIMER'S PLAYBOOK. (HINT: NITRIC OXIDE GAS)
THINK BEFORE YOU SUPPLEMENT
CORRESPONDENCE FROM RON ABOUT TRICARE FOR LIFE, ALONG WITH A TFL EXPLANATION.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: YOUR 2026 MEDICARE ADVANTAGE PLAN MY DENY YOUR NEXT REQUEST FOR AN EMERGENCY MRI. HERE IS WHY: PRIOR AUTHORIZATION DENIAL.
THE ULTIMATE "I AM TURNING 65" CHECKLIST
MARGY SENT ME A VERY TEMPTHING INVITATION TO BECOME A PODCAST GUEST.
FINALLY, WE DISCUSS THE PERSONALITY TRAITS OF OUR NEW AI ASSISTANTS: SEAN AND CLAUDE RESPECTIVELY.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: FIVE REASONS RETIREES SHOULD BUY PLAN G RATHER THAN MEDICARE ADVANTAGE IN 2026. HIGH DEDUCTIBLE PLAN G WOULD BE AN EVEN SMARTER CHOICE!
A NEW MEDICARE SUPPLEMENT PROSPECT WITH A COMPLIATED MEDICAL HISTORY HISTORY REQUESTS QUOTES. I EXPLAIN THE DETAILS SHE WILL BE RECEIVING.
A CURRENT CLIENT WITH HDG RECEIVED SHOCKING NEWS: HE WILL RECEIVE A RATE INCREASE OF 8.7%, EQUATING TO $4.01 PER MONTH. SHOULD BE HAPPY ABOUT THAT!
MEDICARE SUPPLEMENT RATE INCREASES HAVE BEEN LARGER THAN USUALIN THE MOST RECENT YEAR. INTERESTING COMPARISON BETWEEN THE AVERAGE OF PLAN G INCREASES VS. THE AVERAGE HDG INCREASES!
FINALLY, A ROUSING QUIZ CONSISTED OF THE BEST AND WORST ENTRY LEVEL JOBS IN 2026.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE PREIMUMS WILL DROP...EVEN AS TOTAL ENROLLMENT DROPS FOR THE FIRST TIME IN OVER A DECADE!
CORRESPONDENCE FROM A DISABLED VISITOR TO MY WEBSITE WITH AN UNUSUAL SITUATION. HE IS TURNING 65 AND WILL FACE A DECISION: TAKE THIS OPPORTUNITY TO ACQUIRE SUPERIOR MEDICARE AND A SUPPLEMENT OR KEEP HIS LESS DESIREABLE MEDICARE ADVANTAGE PLAN WITH CHEAP DRUG COVERAGE.
DEMS IN CONGRESS RAMP UP EFFORTS TO REPEAL THE NEW MEDICARE PRIOR AUTHORIZATION PILOT PROGREM CALLED WISeR. FINALLY I CAN OFFER THEM SUPPORT FOR SOMETHING!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE EXPOSED: 5 SHOCKING TRUTHS THAT COULD COST YOU EVERYTHING!
A RECENT CLIENT"S PLEA FOR HELP: A WOMAN IN KANSAS CITY, AGE 84; HER PLAN F WAS INCREASING TO $380 PER MONTH; MY SOLUTION: CHANGE TO HIGH DEDUCTIBLE PLAN G AT $77 PER MONTH. RESULT? SHE SAVES $303 PER MONTH AND IS MONEY AHEAD EVEN IN A "WORST CASE" SCENARIO!
OPEN ENROLLMENT PERIOD AND SPECIAL ENROLLMENT PERIODS DEFINED, FOLLWED BY A DISCUSSION OF BIRTHDAY RULE STATES AND THE CONSEQUENCES OF A STATE ADOPTING A BIRTHDAY RULE.
CORRESPONDENCE WITH A CLIENT THAT WAS UNHAPPY ABOUT HIS RECENT RATE INCREASE, FOLLOWED BY A DISCUSSION OF SOME OF THE MANY REASONS AN INSURANCE COMPANY MIGHT HAVE FOR CHANGING THE RATES OF THEIR PRODUCTS.
FINALLY, WE SHARE A LIST OF CELEBRITIES TURNING 65 IN 2026 FOLLOWED BY A LIST OF BOY AND GIRL NAMES POPULAR THEN AND NOW.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE IS INCREASING OVERSIGHT OF MEDICARE ADVANTAGE PLANS; HERE IS WHAT THAT MEANS FOR SENIORS!
ACCORDING TO TELOS ACTUARIAL, THE MEDICARE SUPPLEMENT MARKET IS RETURNING TO GROWTH MODE.
AS AMERICA GROWS OLDER, TRUMP Rx DELIVERS.
ANTHEM/ELEVANCE PLANS TO PENALIZE IN-NETWORK HOSPITALS.
DAVID HAS PDP QUESTIONS AFTER SUBMITTING HIS DRUG LIST AS INSTRUCTED AND SEEING NOTHING HAPPENING!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MORE SENIORS ARE BEING DENIED COVERAGE FOR SKILLED NURSING CARE - APPEALS ARE SURGING!
MEDICARE AT AGE 65 - EMPLOYER COVERAGE CHANGES THE RULES; SIZE OF THE EMPLOYEE WORKFORCE MAKES ALL THE DIFFERENCE IN WHAT HAPPENS.
IS THAT SOCIAL SECURITY E-MAIL LEGIT? HERE IS HOW TO TELL!
EDITORIAL: HOSPITALS AND INSURERS ARE GETTING RICH OFF OF MEDICAL FRAUD! MUCH OF THE SCAM IS DUE TO MEDICARE ADVANTAGE BILLINGS!
CLIENT MIKE FINALLY ADMITS IT IS TIME TO SWITCH FROM PLAN G TO HIGH DEDUCTIBLE PLAN G TO SAVE A BUNCH OF CASH IN PREMIUM EXPENSE. TURNS OUT HIS PREVIOUS CARDIAC TREATMENT IS ON RECORD IN A DATABASE WHICH HAS MADE HIM A POOR RISK. UNDERWRITERS HAVE TURNED DOWN HIS REQUEST FOR A CHANGE OF PLANS.
FINALLY, WE GET A PEEK AT WHAT WALLETHUB REALLY THINKS OF OUR BELOVED STATE OF ARIZONA!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MLM CHRISTMAS PARTY POST-MORTEM - OMAHA BEACH REMEBERANCE STEAKHOUSE SURVEY SPARKS FLOOD OF LISTENER COMMENTARY (ONLY VICTIM WAS MR. REGINA WHO WAS INADVERTANTLY RELOCATED FROM HIS BELOVED GEORGIA)
MEDICARE ADVANTAGE MINUTE: CMS MULLS AUTO-ENROLLING SENIORS IN MEDICARE ADVANTAGE
GOVERNMENT FINALIZES MAJOR CHANGES TO ACA EXCHANGES (UNDER 65 HEALTH INSURANCE - OBAMACARE) - INCLUDING GREATER ACCESS TO THE CATASTROPHIC PLAN
MEDICARE PARTICIPANTS FACING RISING PREMIUMS IN 2026.; PREMIUMS FOR REGULAR PLAN G ARE EXPECTED TO INCREASE ANYWHERE FROM 12% to 26%!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE PRIOR AUTHORIZATION DENIALS JUMPED 56%. NEW APRIL RULES AIM TO FIX IT!
LEARN ALL ABOUT THE WAYS YOU CAN QUALIFY FOR A FREE AMBULANCE RIDE, ON THE GROUND OR IN THE AIR, CURTESY OF MEDICARE!
FINALLY, WE END WITH A ROUSING QUIZ IN WHICH SEVERAL STATES ARE LISTED BEST OR WORST IN ORDER OF THEIR PERCEIVED SUPPORT FOR A CERTAIN LIFESTYLE.....
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MA PLANS ARE QUIETLY DROPPING SENIOR BENEFITS IN 2026. YOUR PLAN'S ANOC (ANNUAL NOTICE OF CHANGE) LETTER SHOULD BE READ CAREFULLY WHEN YOU RECEIVE IT THIS FALL.
HEADLINE: RFK JR'S AI PILOT PROGRAM CALLED A "TROJAN HORSE" FOR PRIVITIZING MEDICARE. SPEAKING A MEDICARE EXPERT, I HAVE CONFLICTING OPINIONS ABOUT THIS STATEMENT.
FINALLY, SHARE MY JOY AT RECEIVING A VERY COMPLIMENTARY PITCH WRITTEN EITHER BY THE PUBLICIST FOR A WANNA_BE PODCAST GUEST OR ARTIFICIAL INTELLIGENCE!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
LISTEN FOR MY REPEATED ERROR: SAYING PLAN G RATHER THAN HDG!
MEDICARE ADVANTAGE MINUTE: AETNA WILL PAY $118 MILLION TO RESOLVE MEDICARE ADVANTAGE UPCODING ALLEGATIONS. OF COURSE, THIS SEEMS LIKE A DROP IN THE BUCKET WHEN COMPARED TO THE $556 MILLION EXTRACTED FROM KAISER PERMANENTE FOR SIMILAR SHENNAGINS!
AI CUSTOMER SERVICE PROBLEM RESOLUTION SUGGESTIONS WORKED OUT WELL FOR CHIP< BUT ALOMOST PROVOKED ANTI-AI SENTIMENTS FROM A CERTAIN LOYAL MLM LISTENER>
BC/BS TEXAS RATE INCREASE HISTORY OVER A DOZEN YEARS DEMONSTRATES THE INCREASING EFFECTS OF MEDICAL HISTORY. THE ANNUAL ACROSS THE BOARD RATE INCREASES RANGE FROM 0% TO ALMOST 14%.. THIS IS WHERE YOU CAN HEAR MY REPEATED ERRONEOUS SUBSTITUTION OF PLAN G FOR HDG!
MY MEDICARE GOOD DEED: AN 82 YEAR-OLD WOMAN IN KANSAS CITY HAD PLAN F WITH A PROMISED RATE INCREASE TO $380 PER MONTH. I SUGGESTED THAT SHE SWITCH TO AN HDG AT $77 PER MONTH. THE $303 MONTHLY SAVINGS ARE MUCH LARGER THAN THE HIGH DEDUCTIBLE FROM HDG. RESULT: SHE COMES OUT AHEAD IN BOTH THE BEST AND THE WORST CASE CIRCUMSTANCES! I TRIED TO PERFORM THE SAME FISAL MIRICLE FOR MIKE IN SOUTH CAROLINA BUT HIS HEALTH MADE IT IMPOSSIBLE TO CLEAR INDERWRITING, LEAVING HIM TRAPPED IN AN EXPENSIVE PLAN G.
FINALLY, WE ENDED THE EPISODE WITH A ROUSING QUIZ IN WHICH THE STATES WERE RANKED IN TERMS OF THEIR WORK-FROM-HOME QUALIFICATIONS!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: AETNA, ELEVANCE & HUMANA MARKETING LAWSUIT MOVES FORWARD. THESE COMPANIES ARE ACCUSED OF PAYING "KICKBACKS" TO HAVE UNSUSPECTING CLIENTS STEERED INTO THEIR MA PLANS.
MEDICARE EXPERT DIANE OMDAHL LISTS 20 BASIC POINTS ABOUT MEDICARE SUPPLEMENT (MEDIGAP) PLANS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: CMS SAYS: MEDICARE ADVANTAGE OVERPAYMENT RECOVERIES WILL BEGIN SOON!
FROM TONI KING: COBRA AFTER RETIRING? ENROLL IN MEDICARE THE RIGHT WAY TO AVOID A PENALTY!
CORRESPONDENCE WITH MARGARET, VORACIOUS READER OF MY BOOKS: SHE IS USING "MEDICARE DRUG PLANS, A SIMPLE D-I-Y GUIDE" TO SELECT THE LEAST COSTLY PLAN BUT ONE ITEM IN HER DRUG LIST IS CAUSING PROBLEMS. LATER SHE DISCOVERS THAT THE ITEM CHANGED FROM A "DRUG" TO DME (DURABLE MEDICAL EQUIPMENT) WHICH SOLVES MARGARET'S PROBLEM.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: ALLEGED OVERPAYMENTS TO MEDICARE ADVANTAGE PLANS COST PARTICIPANTS BILLIONS: INVESTIGATION.
DAVID SCHWEIKERT, AZ CONGRESSMAN RUNNING FOR SENATE, SUPPORTS MAKING MEDICARE ADVANTAGE THE DEFAULT OPTION FOR THOSE ENTERING MEDICARE.
CBS NEWS ARTICLE ABOUT THE HAVOC CAUSED BY UNEXPECTEDLY LARGE MEDICARE SUPPLEMENT RATE INCREASES.
SAVING VICTIMS OF EXPENSIVE MEDICARE SUPPLEMENT PLANS; RIDING TO THE RESCUE WITH HIGH DEDUCTIBLE PLAN G!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: GOVERNMENT PROPOSES EXCLUDING CHART REVIEWS FROM MEDICARE ADVANTAGE RISK SCORING IN 2027 PAYMENT RULE.
MORE MEDICARE SUPPLEMENT RATE INCREASE DATA: VERY LARGE FOR PLAN G BUT VERY SMALL FOR HIGH DEDUCTIBLE PLAN G!
SHIP (STATE HEALTH INSURANCE ASSISTANCE PROGRAM) OFFERS MED SUPP PLAN SELECTION ADVICE THAT IS NOT SUPPORTED BY THE FACTS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: JEFFERSON HEALTH (PHILADELPHIA) HITS AETNA WITH A LAWSUIT OVER CONTROVERSIAL DOWNCODING POLICY.
FROM CSG ACTUARIAL: MEDICARE SUPPLEMENT LOSS RATIOS HAVE INCREASED IN RECENT YEARS; PLAN G RATE INCREASES ARE EXPECTED TO CONTINUE HIGHER THAN AVERAGE THIS YEAR AND THEN LEVEL OFF AFTERWARD.
SOON TO BE CLIENT ROBYN IS CONFUSED ABOUT HOW PART D PRESCRIPTION DRUG PLANS WORK WHEN ONE IS TRAVELING. AI PROVIDES A LENGTHY BUT AUTHORITATIVE EXPLANATION.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 2026 COULD BE THE MOST CHALLENGING YEAR YET FOR MEDICARE ADVANTAGE PAYERS (COMPANIES)!
EVERYTHING YOU NEED TO KNOW ABOUT BREAST CANCER AND MEDICARE.
NEBRASKA EMPLOYEE HEALTH INSURANCE FUND - ADMINISTERED BY UNITED HEALTHCARE - DROPPED FROM $83 MILLION to $7 MILLION IN ROUGHLY FOUR YEARS. THAT WILL TEACH THEM TO GET IN BED WITH UHC!
BC/BS TEXAS AND MEMORIAL HERMANN (HOUSTON) ARE BESTIES AGAIN. LAST MINUTE CONTRACT AGREEMENTS PLACED THE HOSPITAL BACK IN BC/BS MANAGED CARE NETWORKS AGAIN.
FINALLY, WE LEARN WHICH AMERICAN CITIES ARE JUDGED TO BE THE MOST AND LEAST HEALTHY!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 22 GROUPS BACK A BILL PUSHING "APPLES-TO-APPLES" MEDICARE ADVANTAGE COMPARISON.
AN EXPLANATION OF THE SINGLE MOST IMPORTANT DECISION TO MAKE WHEN PREPARING TO ENROLL IN MEDICARE.
NEW CLIENT CHIP IS HAVING DIFFICULTY WITH HIS SEEMINGLY CONFUSED PART D PRESCTIPTION DRUG PLAN. I ASKED AI FOR WHAT TH BEST COURSE OF ACTION SHOULD BE. THE RESPONSE WAS A PRETTY WELL THOUGHT OUT ANSWER.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: CONGRESS REVEALS: HUGE PROBLEM LEADING TO HIGHER MEDICARE PREMIUMS!
SWITCHING FROM LANDLINE TO CELL PHONE COULD CAUSE TROUBLE WITH YOUR "MY SOCIAL SECURITY" ACCOUNT
GENEROUS BENEFACTORS MAKING MORE GOOFING OFF POSSIBLE THROUGH ECONOMIC DONATIONS.
STALKER SUSIE SUPPORTS OUR BOYCOTT OF "AGEIST" TERMINOLOGY BUT IS SHORT OF SUITABLE SUBSTITUTES TO SUGGEST AS REPLACEMENTS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
....AND A PODCAST!@DBJ@M4TLM.comWmedicareforthelazyman.comT(630) 878-5055 Review Us On GoogleFor sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: AGENT MARKETING RULES - LENGTHY LIST OF QUESTIONABLE REGULATIONS FOR THOSE PLANNING TO SELL MEDICARE ADVANTAGE PLANS.
INSPIRATIONAL STORY: PODCAST LISTENER DEBORAH MOVES HER MOTHER TO RHODE ISLAND AND TAKES ADBANTAGE OF THAT OPPORTUNITY TO WAVE GOOD-BYE TO THE MEDICARE ADVANTAGE PLAN AND ENROLL IN A LOW PRICED HDG SUPPLEMENT PLAN.
FINALLY, A REPRESENTATIVE OF THE "DIVIDED-WE-FALL" BOOK CLUB PITCHED THE IDEA OF THIS AUTHOR PROVIDING REFRESHMENTS FOR THE MANY READING GROUPS WHO HAVE GATHERED TO STUDY "MEDICARE FOR THE LAZY MAN 2026".
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 19 HEALTH SYSTEMS DROPPING MEDICARE ADVANTAGE PLANS IN 2026
CLIENT ROBERT, ATTOURNEY IN GEORGIA, SHARES MEDICARE MATT'S ADVICE: MEDICARE SUPPLEMENT PLANHOLDERS SHOULD TAKE ADVANTAGE OF BIRTHDAY RULES TO SEEK OUT CHEAPER RATES, IF THEY CAN.
IN THE SAME VEIN, 4-YEAR CLIENT "MIKE" IS FINISHED WITH HIS EXPENSIVE PLAN G. SWITCHING TO HIGH DEDUCTIBLE PLAN G SAVES $2300 IN A GOOD YEAR AND ONLY RISKS A $300 LOSS IN THE UNLIKELY EVENT OF A "WORST CASE" YEAR!
INJOY MY READING OF A SHORT AI-PENNED REVIEW OF MY FLAGSHIP BOOK: MEDICARE FOR THE LAZY MAN 2026.
FINALLY, RANDY IS CHALLENGED TO IDENTIFY THE MOST AND LEAST INNOVATIVE STATES IN THE USA.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 92% OF SENIORS DROPPED: THE MEDICARE ADVANTAGE COLLAPSE THAT IS ROCKING VERMONT!
CONCIERGE MEDICINE: NOW BEING CALLED "DIRECT PRIMARY CARE"
A PRODICAL PROSPECT RETURNS 4 YEARS AFTER TRYING TO MAKE ME HER PATSY!
FINALLY, A QUIZ ABOUT THE MOST & LEAST OVERWEIGHT, OBESE CITIES IN AMERICA!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: THE MEDICARE ADVANTAGE PARADOX: WHO BENEFITS MOST?
REJOICE POTHEADS: THE GOVERNMENT IS ABOUT TO RECLASSIFY MARIJUANA!
USE OF TRUMPRX.GOV IS RESTRICTED; AMONG OTHERS, MEDICARE PARTICIPANTS ARE NOT AUTHORIZED TO USE IT.
RESEARCH RESULTS: DISCONTINUING GLP-1 USE DOES NOT ALWAYS RESULT IN WEIGHT GAIN!
FLORIDA SHIP (AKA: SHINE) AGREES TO A GUEST APPEARANCE, THEN WEALSLES OUT!
FINALLY, A ROUSING QUIZ INADVERTANTLY REVEALS THE SOURCE OF SNAKE OIL, AS WELL AS BARBED WIRE AND THE TEXAS COMPANY!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE INSURERS MADE NEARLY 53 MILLION PRIOR AUTHORIZATION DETERMINATIONS IN 2024. AVERAGE DENIAL RATE OF 7.7% BUT SOME COMPANIES ENFORCED A MUCH HIGHER LEVEL OF DENIALS THAN OTHERS.
FINALLY, ENJOY THE LAST CHAPTER OF MEDICARE ENROLLMENT GUIDE! YOU CAN DOWNLOAD THE COMPLETE BOOK FROM MY WEBSITE: www.MedicareForTheLazyMan.com.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: TWO THINGS YOUR MEDICARE AGENT DOESN"T WANT YOU TO KNOW! 1) GENEROUS MEDICARE ADVANTAGE COMMISSIONS 2) THE BEST KEPT SECRET IN ALL OF MEDICARE
SELECTED READINGS FROM "MEDICARE ADVANTAGE GUIDE": CHAPTER 7
MARK WROTE IN TO ASK THREE QIESTIONS. ONE OF THEM REQUIRED MY MAGIC 8-BALL TO ANSWER!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE WASTE HAS COST $82 BILLION IN PART B PREMIUMS!
ENJOY ONE MAN"S OPINION IN ANSWER TO THE QUESTION, "WHY DID MEDICARE ADVANTAGE PLANS COME TO EXIST?"
ONE MEDICARE SUPPLEMENT INSURANCE COMPANY'S RATE INCREASE NOTICES: PLAN G +25% FOR $50 PER MONTH/ HIGH DEDUCTIBLE PLAN G +7.7% FOR $11.
THE GOVERNMENT WANTS TO INTRODUCE PARTICIPANTS TO AI TOOLS TO HELP NAVIGATE CARE
FINALLY, MANY EXAMPLES OF CORPORATE JARGON "WE HATE THE MOST!"
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: WHAT HAPPENS WHEN NEARLY AN ENTIRE STATEIS KICKED OFF OF MEDICARE ADVANTAGE?
"MEDICARE ENROLLMENT GUIDE" CHAPTER 7: MEDICARE MAINTENANCE IN YOUR FUTURE?
GREETINGS TO NEW CLIENT AND PODCAST FAN DENNIS:
WHO HAS BEEN ACCUSED IN A CLASS ACTION SUIT OF WRONGFUL MEDICARE SUPPLEMENT CLAIM DENIALS? ANY GUESSES? HOW ABOUT AARP AND UNITED HEALTHCARE?
FINALLY, NEW MEXICO GOVERNOR SIGNS SWEEPING HEALTHCARE REFORM BILL, INCLUDING MY FAVORITE SUBJECT: TORT REFORM!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: LETTER FROM BLUE CROSS/BLUE SHIELD AZ ABOUT MEDICARE ADVANTAGE PROVIDER NETWORK SHRINKAGE IN ARIZONA!
MEDICARE ENROLLMENT GUIDE - CHAPTER 6: YOUR AGENT SPRINGS INTO ACTION!"
ITEM BY ITEM EXPLANATION OF THE MLM (MEDICARE FOR THE LAZY MAN) MEDICARE SUPPLEMENT QUOTE REQUEST QUESTIONNAIRE!
CORESPONDENCE:
A LADY BANKER (WITH WEIRD LOGO TEXT FROM HER BANK) PLANNING RETIREMENT IN 2027. OVERACHIEVER?
NEW CLIENT RANDY INSISTED ON PLAN G IN SPITE OF MY STRONG RECOMMENDATION IN FAVOR OF HIGH DEDUCTIBLE PLAN G. BETWEEN 1st CONTACT AND FINAL APPLICATION TIME A 22% PLAN G RATE INCREASE MADE HIM SEE THINGS IN A DIFFERENT LIGHT. HDG, HERE HE COMES!
FINALLY, MY QUIZ TESTS RANDY CARSON'S KNOWLEDGE OF THE FASTEST GROWING SKILLS IN HEALTHCARE.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: JUDGE ORDERS UNITED HEALTHCARE TO HAND OVER DOCUMENTS IN AI COVERAGE DENIAL CASE!
READING FROM MEDICARE ENROLLMENT GUIDE, CHAPTER 5: WHICH MEDICARE SUPPLEMENT PLAN?
LIST OF MEDICARE SUPPLEMENT INSURANCE COMPANY RATE INCREASE REQUESTS FILED WITH THE STATES. THE OVERALL PICTURE IS ONE OF MEDICAL INFLATION PUSHING INSURANCE RATES HIGHER.
FINALLY, A TAX TIP FOR GENEROUS READERS. PURCHASE ONE OR TWO HARDCOVER EDITIONS OF "MEDICARE FOR THE LAZY MAN 2026" FOR DONATION TO YOUR LOCAL LIBRARY!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: ARE MEDICARE ADVANTAGE RATES (GOV'T PAYMENTS) AS BAD AS THEY LOOK? NEW MATH SUGGESTS THAT PLANS ARE "CRYING WOLF"!
MEDICARE ENROLLMENT GUIDE, CHAPTER 4: YOUR BIGGEST MEDICARE DECISION!
YOU CAN TAKE AN E-MAIL COURSE ENTITLED: MEDICARE 101....OR YOU CAN SAVE A LOT OF TIME BY LISTENING TO THE MEDICARE FOR THE LAZY MAN PODCAST!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: DIFFERENCES BETWEEN MEDICARE ADVANTAGE AND ORIGINAL MEDICARE (ACCORDING TO A MEDICARE INSURANCE AGENCY)!
CHAPTER 3 OF MEDICARE ENROLLMENT GUIDE: CONFIRMATION OF MEDICARE APPROVAL.
TOP SCAMS THAT RETIREES FALL FOR EVERY TIME
KILLER IDEA AT TAX TIME: PURCHASE MEDICARE FOR THE LAZY MAN - HARDCOVER AT $25 APIECE; DONATE TO YOUR LOCAL LIBRARY!
FINALLY, THE MUSIC BED FOR THE POW WOW THE INDIAN BOY CARTOON (1949) WAS THE MELODY USED BEHIND THE ORIGINAL TOMAHAWK CHOP AT FSU!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: HOW MEDICARE ADVANTAGE COSTS TAXPAYERS AND RETIREES!
ONE POINT OUT OF MANY: PARTICIPANTS IN MA PLANS COST THE MEDICARE PROGRAM 14% MORE THAN THOSE IN ORIGINAL MEDICARE.
MEDICARE ENROLLMENT GUIDE CHAPTER 2: APPLY FOR MEDICARE PARS A & B
POSSIBLE MALFEASANCE: THE GOVERNMENT IS PREPARED TO FREEZE ENROLLMENT IN ELEVENCE (ANTHEM) MEDICARE ADVANTAGE AND DRUG PLANS! WHAT MIGHT THEY HAVE DONE TO DESERVE THIS?
RAPID DECLINE OF INDEPENDENT PHYSICIANS IN 10 STATS
FINALLY, WE LIST THE 10 BEST AND WORST STATES IN WHICH TO BE A WOMAN!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: A NEW MEDICARE ADVANTAGE RULE IS CUTTING BACK BENEFITS FOR 2026
THE CHANGE IS THAT IN THE FUTURE, THE EXTRA BEBES MUST CONTRIBUTE TO THE HEALTH OF THE SUBSCRIBER. THERE WILL BE FEWER NON-MEDICAL LIFESTYLE PERKS.
CHAPTER 1 OF "MEDICARE ENROLLMENT GUIDE" LISTS THE MAIN GROUPS THAT WILL MOST LIKELY BE THINKING ABOUT HOW AND WHEN TO ENROLL.
MARK CUBAN PONTIFICATES AGAIN: CALLS FOR FREE MEDICAL SCHOOL!
FINALLY, WE SCAN A SHORT ARTIICLE: "HOW MEDIGAP WORKS". SEEMS LIKE IT SHOULD HAVE BEEN LONGER!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 10% OF MEDICARE ADVANTAGE ENROLLEES WERE FORCED TO CHANGE PLANS FOR 2026!
TWELVE STATES RACKED UP MORE THAN 20% MA DISPLACEMENTS. VERMONT WAS WORST WITH 90% OF MA ENROLLEES FORCED TO CHANGE PLANS.
SPECIAL READING: CHAPTER 1 OF "MEDICARE ENROLLMENT GUIDE"!
CHANGING JOBS AFTER 65? BE CAREFUL NOT TO BLOW UP MEDICARE!
FINALLY, FIND OUT WHICH STATES ARE PROJECTED TO HAVE THE MOST NEW CANCER DIAGNOSES IN 2026!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE GROWS LESS THAN 1% DURING THE LAST ANNUAL ENROLLMENT PERIOD (AEP)!
HOW ABOUT REPEAT READING? LET'S LISTEN TO THE INTRODUCTION OF THE NEWEST BOOK; MEDICARE ENROLLMENT GUIDE AGAIN!
LISTED: THE LARGEST HEALTH INSURANCE COMPANIES BY PROFIT
MORE BIG TROUBLE FOR KAISER PERMANENTE: THEIR LIABILITY INSURANCE CARRIERS HAVE REFUSED TO PAY THE RECENT FINE OF $556 MILLION.
CORRESPONDENCE SENT BY STALKERS AND NEW CLIENTS:. SUBJECTS INCLUDE BRUTAL WEATHER AND QUESTIONNAIRE CLARIFICATIONS.
FINALLY A QUIZ: WHICH ARE THE HARDEST WORKING CITIES IN THE USA (AND WHICH ARE THE LAZIEST?)
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: 2026 COULD BE THE MOST CHALLENGING YEAR YET FOR MEDICARE ADVANTAGE!
A reading from "MEDICARE ENROLLMENT GUIDE": Introduction!
How to appeal an IRMAA penalty.
High Deductible Plan G is the best Medicare supplement for almost all people in Medicare.
A report on four clients starkly illustrates the point that High Deductible Plan G policies have smaller rate increases by far than those endured by clients who have Plan G.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE'S "SUNK COST" PROBLEM (Less boring than it sounds)
Enjoy a reading from MEDICARE ENROLLMENT GUIDE. Today's selection: Preface
SAMPLE DRUG PRICES FROM THE NEW DISCOUNT SITE: TRUMPRx.gov
Finally, a quiz about the best & worst places to practice medicine. Authors of the list had trouble differentiating states from cities)
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: UNITED HEALTHCARE AND ELEVANCE ARE SHRINKING THEIR MEDICARE ADVANTAGE ROLLS!
AN OUTDATED MEDICARE RULE (THE 3 DAY RULE) KEEPS SENIORS IN HOSPITALS LONGER THAN NECESSARY. (Temporary irritation will be the repetitive use of the unfortunate term "senior")
CORRESPONDENCE:
Paula does not need her PDP anymore but needs help figuring out how to disenroll from it.
Howard failed to read the ANOC (Annual Notice Of Change) warning him that the monthly premium would be increased to $105. Now he worries about negative ramifications in the event that he stops paying that outrageous premium.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MY DOCTOR DROPPED OUT OF MY (MA) NETWORK; WHAT SHOULD I DO NEXT?
Q & A illustrates the limitations of Medicare Advantage plans.
Article: Do Not Add to the Social Security Administration Delays
In other words, do not make these errors that will delay the time between the start of your application and confirmation of the effective date of your Medicare coverage.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: HUMANA COULD END 2026 AS THE LARGEST MEDICARE ADVANTAGE CARRIER IN THE USA! They are poised to take over the #1 spot from United Healthcare.
TRUMPRx.gov is open for business and discounting more than 40 expensive drugs. We go through a thorough Q & A about how to start cashing in!
Massachusetts seems to be the land of rejected health insurance claims.
Finally, we have a rousing quiz about which states have had the highest recent population growth in the US.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE:
ASSISTING CLIENTS IN SWITCHING FROM MEDICARE ADVANTAGE PLANS TO ORIGINAL MEDICARE WITH A MEDICARE SUPPLEMENT PLAN.
GLP-1 drugs: 5 things to know about their use in Medicare.
Hard to believe but those subjects plus some lessons in sheep husbandry take up the whole episode!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: CMS (THE GOVERNMENT) TAKES AIM AT MEDICARE ADVANTAGE FRAUD
Correspondence:
Client Mike writes to ask me to find his wife a Plan G Medicare supplement with a better price. Her current Aetna plan has scheduled a $60+ monthly rate increase so Mike asked me to look for a better deal.
Once again I explained the advantages of High Deductible Plan G (HDG) but Mrs. Mike is very risk averse and wants to stay with regular (expensive) Plan G.
A few weeks after, Mike contacted me again to announce that he plans to switch to HDG when his state mandated Birthday Rule period came around.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE! ONE THIRD OF INSURED ADULTS SAY THAT PRIOR AUTHORIZATION HAS BEEN A MAJOR BURDEN IN ACCESSING CARE!
We address correspondence from some who have unusual situations with respect to Medicare.
An 81-year-old man is covered by Original Medicare only. His son writes to ask about the possibilities of improving his father's protection by acquiring a Medicare supplement.
Then Len writes to ask whether the series of steps his friend Dan has planned makes sense. The goal: disenroll from Dan's existing Medicare Advantage plan and begin to enjoy superior Medicare protection and freedom of choice with a supplement plan,
Finally, play along with a quiz related to the most and least friendly cities for those seeking STEM jobs.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE! THE NINE BIGGEST DISADVANTAGES TO MEDICARE ADVANTAGE!
I want to do a good job for my clients. Some companies make that easier than others. One of them is an absolute standout, in spite of not always maintaining rate stability with Plan G premium increases.
An insurance broker in Atlanta is worried about my diminished income. Agents make smaller sales commissions when they sell low-cost products like HDG.
Finally, I quiz Randy on which states are projected to be best and worst for retirement this year.
On the way, I inadvertently placed Eagle in Wyoming instead of Idaho!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE! KAISER'S $556 MILLION MEDICARE ADVANTAGE WHISTLEBLOWER LAWSUIT
HIPPA privacy be damned; one of my doctor bills started at $265 but after going through Medicare and my High Deductible Plan G, the bill magically became $17!
Life expectancy in the USA has set a new record.
We list the top 10 causes of death.
Then we list the Medicare supplement rate increase filings from several insurance companies in several states. Bottom line: Medical inflation is exerting upward pressure on insurance costs.
Finally, beware of Kindle E-books! They now allow readers to ask questions about the content. That part is OK but the answers will come from AI and there will be no guarantee of accuracy. I would take my questions straight to the horse's mouth!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare won't cover routine eye exams. However, if cataracts, glaucoma or macular degeneration should strike, Medicare will cover almost everything but the cost of your dedicated Eye-Drops Wrangler!
Write a successful book and watch the AI generated pitches for paid consultants start to roll in. And I do mean PAID; at least they want to be paid!
What does one day in the hospital cost the hospital to provide? A recently arrived list compares that figure for government owned, private and non-profit hospitals for each state of the union.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
SPECIAL EPISODE TODAY!
ENJOY SOME HISTORY AND A TOUR OF MY WEBSITE:
MEDICARE ADVANTAGE MINUTE! KAISER'S $556 MILLION MEDICARE ADVANTAGE WHISTLEBLOWER LAWSUIT
HIPPA privacy be damned; one of my doctor bills started at $265 but after going through Medicare and my High Deductible Plan G, the bill magically became $17!
Life expectancy in the USA has set a new record.
We list the top 10 causes of death.
Then we list the Medicare supplement rate increase filings from several insurance companies in several states. Bottom line: Medical inflation is exerting upward pressure on insurance costs.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICAE MISTAKES SENIORS WISH THEY HAD KNOWN SOONER (or HAD AVOIDED)!
Article asks the question: SHOULD YOU GET THE SAME DRUG PLAN AS YOUR SPOUSE?
Correspondence from client Robert, an attorney who was too busy to open or read the warning notices that his drug plan premium would go to $100 per month.
Finally, a quiz published in U.S. News & World Report lists the best healthcare jobs for which the candidate will not need a college degree. Observe one of the reasons someone purchased that entire magazine for $1.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MASSACHUSETTS GOVERNOR PITCHES PRIOR AUTHORIZATION REFORMS!
A history of Medicare supplement rate increases indicates a continuing inflationary trend in premiums.
Correspondence:
Brad's company offers a MA plan to its retirees. He asks whether I think it is a good deal.
Lisa, turning 65 in six months, has a couple of questions about events triggered by her Medicare eligibility.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: HOUSE GOP URGES SCRUITINY OF CALIFORNIA FOR MEDICARE FRAUD! Shocking!
"Why Physician Autonomy is a Growing Flashpoint"
The government is starting two Medicare pilot programs (Guard & Globe) to try to lower drug prices.
Article: How to End Obamacare and Improve Coverage
Ask Rusty: Should the Correspondent Change His IRS Filing Status?
Finally, we dissect a quiz to identify the best cities in the US for jobs.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: Nothing curated in this category today!
Headline: Telehealth Replaces Medicare Visits Rather Than Adding to Them!
Physicians top practice options in 2026.
US (5 year) cancer survival rate reaches 70%! Each day there are 5,800 new diagnoses and 1,700 cancer deaths.
Finally, we visit one of Toni King's columns to learn a little (very little!) about dental insurance for people on Medicare!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: FEDERAL JUDGE BLOCKS IDAHO FROM ENFORCING MEDICARE ADVANTAGE COMMISSION RULES!
Correspondence: Mike in Rhode Island is a Medical Doctor at a soon-to-be-failing hospital. His request for Medicare supplement quotes gives me the opportunity to explain the very thorough method I use to demonstrate the advantages of High Deductible Plan G.
Correspondence: Tim is turning 65 and has a series of detailed questions about how he can maintain acceptable coverage for his younger wife after going on Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: US SENATE FINDS UNITED HEALTHCARE USED "AGGRESSIVE STRATEGIES" IN MEDICARE ADVANTAGE
Missed opportunity: My Canadian brother-in-law has the background to have formed clear and accurate opinions of the Canadian system of socialized medicine. Next time I will not let him get away without recording an episode to enlighten those who think Canadians have it so great!
What $0 cost service do I provide for my valued clients? No face-to-face exposure!
We have the most generous listeners: Dominick sent a congratulatory note and a portrait of the Chief of the Nosebleed Indian tribe that haunts my environs. Stalker Susie sent a sizable number of quarters to defray some of our overtime costs!
One lucky client got a 14% rate increase from her Medicare supplement insurance company. Lucky? Yes, she took my advice and purchased High Deductible Plan G. Her 14% rate increase totaled a mere $8.21.
Finally, we reviewed Wallethub's list of the best cities in the USA in which to pursue an active lifestyle.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: CMS (THE FEDERAL GOVERNMENT) TIGHTENS MEDICARE ADVANTAGE PRIOR AUTHORIZATION RULES!
Before that we discuss the qualities of certain members of England's Royal Family.
January 1st saw a pilot program begin, creating prior authorization requirements for a few procedures performed under Original Medicare in six states. The program will be testing whether enhanced technologies like AI and machine learning can streamline prior authorizations and medical reviews.
New, soon-to-be-client Sheryl, is taking a very cerebral approach to the concept of Medicare supplement rate stability. She discovered a site called: SERFF.com and is trying to identify those Medicare supplement plans with less rate stability, which most would prefer to avoid.
Inadvertently, she uncovered a pattern that confirms my repeated assertion about Plan G vs. High Deductible Plan G: Plan G increases will be larger and more frequent while the rate increases under HDG will tend to be smaller and less frequent.
Finally, I received six messages inviting me to be a guest on a brand new podcast. I was offered the opportunity to program the time for an initial chat but could not figure out how to use the scheduling app.
Stay tuned!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: THE MEDICARE ADVANTAGE QUESTION THAT HOSPITALS WANT ANSWERED!
Seven things to know about the new AI source of information: CHATGPT HEALTH.
Valued client Robert shared an article: Medicare Advantage Shake-up: Who is out?
I was so happy to see the first review on Amazon of my newest book...until I actually read it. Turns out the reviewer knows a thing or two about Medicare plans and seems to have a problem with my warnings about the possible consequences of Medicare Advantage plans.
I, on the other hand, have a problem with the reviewer being a retard!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: "WHAT IF WE COULD ELIMINATE PRIOR AUTHORIZATIONS?" Can we eliminate this scourge of Managed Care through increased use of computers? One exec thinks so!
Someone discovered that about 40 million Americans use ChatGPT every day to ask questions about health concerns.
Erica from Harmony Home Medical in San Diego might have been a wonderful guest but I was afraid the subject might be a little too depressing for my happy-go-lucky audience!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: GOVERNMENT PLANS AGGRESSIVE MEDICARE ADVANTAGE AUDITS!
NYC employee health insurance fund is mysteriously insolvent! You don't think there has been any fraudulent activity there, do you?
One of my favorite client/listeners shared a list of 15 health systems that are dropping some or all Medicare Advantage plans.
Tax breaks coming to Medicare premiums? Rand Paul has proposed that the USA establish HSA for all!
Finally, I located a cartoon nurse spewing a big fat lie. She spews: Until 1973, all health insurance companies were non-profit. Evil Republicans changed the law!*
- The word "evil" is just my little joke. Whoever wrote that lying caption needs to take a chill-pill!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: UHC UNDER CRIMINAL INVESTIGATION FOR ALLEGED MEDICARE ADVANTAGE FRAUD - WSJ
Randy's Choice led to Medicare Part D Drug Plans: a completely unsatisfying article with a big flaw.
We wrap the episode with a pithy George Harrison story.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: CHART REVIEWA INCREASE PAYMENTS TO MA INSURERS FOR 1 in 6 ENROLLEES
12 FAQs ABOUT MEDICARE: YOUR MEDICARE QUESTIONS ANSWERED....BY ME!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: THE FUTURE FOR(?) MEDICARE ADVANTAGE! Includes a hint that funding for SHIP may be on the bubble in 2026!
Eleven costly Medicare Mistakes you should avoid!
These include The Drug plan selection problems, HSA precautions and MA vs Medicare Supplement differences.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MEDICARE ADVANTAGE OR ORIGINAL MEDICARE: WHICH SHOULD YOU TRUST YOUR HEALTH TO?
News items: Older Americans quit weight-loss drugs in droves!
Weight-loss pill approved by FDA! This episode ended with our final Christmas Quiz of the season.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: PHYSICIANS SAY THAT PRIOR AUTHORIZATION STANDS IN THE WAY OF MEDICALLY NECESSARY CARE!
YOUR MEDICARE BENEFITS 2025: THE FINAL ENTRY: X-RAYS
We receive correspondence from "Lazy Man Steve" who is wondering what he ought to do, if anything, about his Medicare supplement and Part D drug plan as the new year approaches.
We wrapped the episode with a another rousing Christmas Quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: HOSPITALS ARE DROPPING MEDICARE ADVANTAGE PLANSLEFT AND RIGHT!
YOUR MEDICARE BENEFITS 2025: WHEELCHAIRS AND SCOOTERS
Tragedy struck the Content Curator: Her Part D drug plan was hijacked by an unscrupulous scoundrel who enrolled her in a Medicare Advantage plan. The goal? Over $600 in ill-gotten sales commissions.
Many Medicare participants and eligibles are being hounded by telemarketers. Some are receiving 50 to 60 phone calls per day and many of those calls can result in fraudulent activity.
Finally, another Christmas quiz closes out the episode.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: "DENY, DENY, DENY!" BY REJECTING CLAIMS MA PLANS THREATEN RURAL HOSPITALS AND PATIENTS!
YOUR MEDICARE BENEFITS 2025: WALKERS
Next item is lists of states with the highest percentage and the lowest percentage of new Medicare participants selecting Medicare supplement plans.
On a trip to Hawaii in 2000 I learned that the state is likely to be closed to new insurance companies since the approval committee consists entirely of existing insurance companies.
In correspondence with current clients, we heard from:
TOM: Noticed a $91 drug plan premium. Since he gets most of his drugs through the VA, he could dodge the IRMAA penalty by dropping his drug plan.
LM: The husband likes to track his Medicare claim activity on the Medicare supplement company website. A recent glitch has taken down that function and she was hoping to see it return quickly..
The bottom line is that each insurance company has irritating qualities that are difficult to cope with but impossible to fix.
The episode ended with a rousing Christmas Quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: THE NINE DISADVANTAGES OF MEDICARE ADVANTAGE
YOUR MEDICARE BENEFITS 2025: VIRTUAL CHECK-INS
Wrapped up the episode with a festive Christmas quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: WATCH OUT FOR THE "MEDIGAP TRAP"
YOUR MEDICARE BENEFIT 2025: URGENTLY NEEDED CARE
OBAMACARE: the parties are preparing to wrestle over the imploding health insurance plans we have been stuck with for 15 years. The Dems want to keep it limping along as the next step towards socialized health insurance while the Republicans want to begin a trend toward privatization via establishment of Health Savings Accounts (HSAS).
Norb writes to share the advice he got from a local Bay Area Medicare broker who made up some crap about HDG resulting in claim problems as the insured's age. I explained that was not true and used my personal experience as proof. Epilogue: He decided to ignore me and purchase the expensive Plan G rather than my recommended High Deductible Plan G.
The episode, which began with sports trivia ends with a rousing series of Christmas trivia questions.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: Medicare vs. Medicare Advantage: Ill Health often Leads to a Plan Switch
YOUR MEDICARE BENEFIT 2025: Travel Outside the USA
Correspondence from Anita in Fountain Hills, AZ: She has Medicare supplement Plan G but wants to consider switching to High Deductible Plan G. After some thought she...
What's the deal with Long Covid anyway? We take a somewhat closer look to see if there is any sign of hope on the horizon.
Finally, we close out the episode with a Christmas Quiz!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: JUDGE SIDES WITH HUMANA; TOSSES OUT MEDICARE ADVANTAGE AUDIT RULE. FAILS TO RECOVER $4.7 BILLION IN GOVERNMENT OVERPAYMENTS TO INSURANCE PLANS.
YOUR MEDICARE BENEFIT 2025: TRANSITIONAL CARE MANAGEMENT PROGRAMS.
Analysis of the typical situation when it comes to rate increases on Medicare supplement plans. A person paying the high Plan G premium is likely to receive larger and more frequent rate increases, in this case a 25% increase. On the other end of the spectrum, a smart purchaser of a High Deductible Plan G with a relatively small premium is is given a rate increase of only 6.75%.
Article: With Medicare premiums set to rise, is Medicare supplement going to be worth it?
Toni King reads a letter from a disappointed reader and winds up advising him to investigate biosimilar medications.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: WHY MA CONTRACT NEGOTIATIONS ARE GETTING HEATED
YOUR MEDICARE BENEFITS 2025: TRACTION EQUIPMENT
Close friend Marlene figured out how to send me a lively online discussion regarding the new Medicare experiment with Prior Authorization. She saw my repeated warnings in some of these online comments.
Full disclosure mandated that I read an AI generated list of the exact procedures included within this five year trial program.
New client Cal had an unusual introduction to MLM enrollment service. The state of Nebraska, an unfamiliar insurance company and some careless errors conspired to create a less than smooth introduction to my normally stellar client service!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: Payors Continue to Predict MA Marketplace Enrollment Losses
YOUR MEDICARE BENEFITS 2025: Therapeutic shoes or inserts
A review of the magnificent extravaganza that was Toni King's "Confused By Medicare" webinar! I wish she hadn't made up a B.S. story about the Internet crashing and causing her presentation to crash!
The question: How successful is the attempt to substitute Plan N for Plan G in order to keep the prices high and to keep sales commissions flowing? The answer is above.
Several clients have recently become disgruntled with Plan N rate increases. They have selected High Deductible Plan G as a superior alternative.
After that their spouses took note and requested to switch from Plan N to HDG as well!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MA plans may limit radiation treatment options for cancer; increase the cost & duration of car!
YOUR MEDICARE BENEFITS 2025: Telehealth
Major work has begun on "Medicare for the Lazy Man 2026". This is the most difficult time of year to find free time for more than one project but I am forging ahead!
And finally, a light review of some of the 2026 Medicare premiums and deductibles. More to come!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: MA plan member satisfaction facing headwinds!
YOUR MEDICARE BENEFITS 2025: TDAP (Tetanus, Diphtheria and Pertussis) shots
Advice from Diane Omdahl: Review your drug plan in case the government plan finder "glitches".
Correspondence:
Peter wants to know whether he should consider changing from HDG to Plan G. This is not something I usually recommend.
Fr. David takes no prescription drugs but has been paying through the nose for an expensive Part D drug plan. What should he do?
Ray has more questions about how to ensure that he has the best PDP (Prescription Drug Plan) next year.
Finally, we review a Gallup pole listing the states from highest to lowest for cost & availability of medical treatment.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: Are Medicare Advantage's glory days over? Some think so!
YOUR MEDICARE BENEFITS 2025: Swing bed services
How about some obesity drugs? Thanks to Trump, Medicare will cover weight loss medications for the first time in history. Obesity drugs will be covered for as little as $50.
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE: Informed consent: The key to preventing big Medicare Advantage mistakes!
YOUR MEDICARE BENEFITS 2025: Surgical Dressings
Enjoy some correspondence from clients or wannabe clients:
Ken & Mrs. Ken sent their heartfelt thanks for the help with various insurance products, including Medicare supplement and life insurance which they shopped for effortlessly and without being irritated by me or any other annoying insurance agent.
A new client, under 65 on SSDI, wrote to request Medicare supplement quotes. Fortunately for her, the rates in her state are quite reasonable.
ANON sent a lengthy message entitled: Two Complaints and Some Serious Foot-Stomping (or words to that effect);
ANON II sent a short, invective-laden complaint.
Finally, we held a short review of a list of the most frequently prescribed drugs in America.
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MEDICARE ADVANTAGE MINUTE:
New United Healthcare CFO plans to restore the company's "swager"!
YOUR MEDICARE BENEFITS 2025:
Surgery
Lipitor (Atorvastatin) has endured a very large recall that may affect hundreds of thousands of users; There might be a pattern of lapses in drugs manufactured overseas.
Finally, I examine the very small rate increases enjoyed by those insured by High Deductible Plan G.
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: The Latest Trend Changing Medicare!
Your Medicare Benefits 2025: Principal Illness Navigation Services
Selections from the Q & A folder: Is it mandatory to sign up for Medicare?
If Medicare covers cataract surgery, why are there bills?
Enrolled in Part B too soon? Your Medicare fix is easier than you think!
BEHABBEN!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute segment: 7 Things You Can Do During AEP (Annual Election Period)
Your Medicare Benefits 2025: Principal Care Management Services
ANOC has arrived! Annual Notice Of Change is the legally required document that your drug plan is supposed to send during September. It is going to you about any changes in your plan, like costs or benefits, of which you should be aware.
What did my ANOC say? Tune in to find out....
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute article entitled "Why These Unique MA Plans are Poised for Popularity!"
Your Medicare Benefits 2025: "Yearly Wellness Visit"
The category selected for a deeper dive was the one entitled "Rates & Financial" We took a look at the current Plan G rate increases caused by our inflationary economy. By comparison, the rate increases given to high deductible plans are often $0 and rarely more than a token amount. This is one of the excellent benefits of High Deductible Plan G!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Fleetwood review of my newest book: "Medicare for the Lazy Man: BARE BONES" is a dire warning that it was written by (gulp) an INSURANCE AGENT! To quote the review: BEWARE!
Returning to format, we began with the Medicare Advantage Minute: BC/BS of Texas announced the cessation of sales commissions for all of their MA plans.
In the Your Medicare Benefits 2025 we address the Welcome to Medicare Preventive Visit and learn what is included as well as how Medicare will cover it.
Department of Corrections: A previous trivia item about the origin of the Pink Panther had to be corrected.
Finally, we dipped into the folder labelled "Correspondence" to enjoy some Q & A about two distinctly different situations. As an aside, both principals are now happy clients of mine, and I am happy to have them!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
But first, how about our regular episode segments?
Medicare Advantage Minute: Hospitals aren't the only ones stepping back from Medicare Advantage!
Your Medicare Benefits 2025: Preventive and screening services
From the Q & A folder we address the following subjects:
1) How are prescription drugs covered when one is in an emergency room? Hint: Toni King provided an answer but I believe she displayed a little bit of confusion by overlooking an important fact presented in the question.
2) Does Medicare cover annual (routine) physical examinations?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: Judge overturns rule limiting broker payments in Medicare Advantage plans.
Your Medicare Benefits 2025: Pressure reducing support surfaces.
The podcast producer gets to select the general source of content for the rest of the episode. The subject in question? The ten states with the highest rates of Alzheimer's Disease!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute segment: "Elevance Health Cuts MA Footprint; Cuts Stand-Alone Medicare Drug Plans"
Your Medicare Benefits 2025: Prescription Drugs - Outpatient
If you are a member of a Medicare Advantage Plan or a Part D Prescription Drug Plan, an Annual Notice Of Change (ANOC) is headed your direction in the US Mail.
Don't throw your ANOC away without at least trying to read it! It will be your first warning of any potentially negative and expensive adjustments that your existing plan may make starting January 1st.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
There are deep rumblings in the Part D prescription drug plan arena as the Feds have meddled in free market insurance market once too often. The plans are in trouble and those who need to rely on them for security are having difficulty. They need help figuring out how to arrange the most advantageous protection at the best available cost. Soon, a newly discovered subscription service will help all who need it to fine-tune their prescription drug insurance.
In the Medicare Advantage Minute segment, we review the article entitled: "Are you unhappy with your MA plan? Here is some good news!"
In the Your Medicare Advantage 2025 segment we find out whether Medicare will pay for Pre-Exposure Prophylaxis (PrEP) for HIV Prevention.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: UHC shareholders drop their legal efforts to force management to operate in a more transparent manner.
Your Medicare Benefits 2025: Pneumococcal Shots
Article: 7 Secrets To Get Good Customer Service By Phone
Finally: Stalker Susie successfully identified the best Part D drug plans for Mr. Susie and herself using my new book: Medicare Drug Plans; A Simple D-I-Y Guide! Now she would like clarification of the differences between the least costly plans everyone should be seeking and the wildly expensive plans that some others are enrolled in;
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Long-time client Ken has a need for life insurance but prefers to deal with an agent he knows. I suggested he visit MedicareForTheLazyMan.com to try the search and apply tool behind the "LIFE INSURANCE" button.
I think he would say it was an effective way to accomplish is task!
In the "Medicare Advantage Minute" segment it seems that United Healthcare shareholders are suing company execs for obfuscating the impact of the murder of CEO Thompson on the fiscal bottom line.
"Your Medicare Benefits 2025" teaches us that Physical therapy services WILL be covered by Medicare...most of the time,
Finally, enjoy the Wallethub quiz in which we learn which of the states is "hardest working"!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we learn a little something about the nation's largest provider of drugs to long term care facilities: CVS Omnicare. They seem to have defrauded themselves right into a $1 billion federal fine.
A very short "Your Medicare Benefits 2025" tells us how Medicare might handle charges for patient lifts.
As of this recording something around 20 states offer some sort of relief from Medicare supplement medical underwriting regulations. Of those, roughly 14 or 15 currently have "Birthday Rules".
Finally, American hospitals are grappling with a new problem: imposter nurses!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Johns Hopkins made the final break with United Healthcare provider networks: Medicare Advantage Minute
How about Pancreas Transplants? That is today's subject in our segment: Your Medicare Benefits 2025
Who has been given credit for shutting down a $10 billion Medicare fraud scheme having to do with skin substitutes? Why, everyone's favorite president, that's who! No, not Ronald Reagan!
For those who are financially strapped and need some relief from Medicare premium costs, I recommend the MSP: Medicare Savings Plan! It might be the answer, if you can meet the qualifications.
Finally, when I look at the list of potential guests who are available to join us for an episode, I only see a whole lot of wackiness.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: A reliable new study indicates that there is a growing level of dissatisfaction with MA plans.
Your Medicare Benefits 2025: Pain Management is the subject for this episode.
Finally, we present a list of sources of assistance with Medicare information and enrollment.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
What small North Carolina Medicare Advantage plan is having to pony up a big fine? Find out in the "Medicare Advantage Minute" segment where we learn that this local MA plan has admitted to fraudulent enrollments and identity theft.
No wonder my opinion of these plans is that they constitute criminal conspiracies!
In the "Your Medicare Benefits 2025" segment, we learn how Medicare will cover Oxygen equipment and accessories.
Of course, Hank Hill sold "propane and propane accessories but that is not quite the same at all.
Should you get a Medicare broker? The answer you have been waiting for is "YES"!
Find out why during the last half of this episode!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
What happens that is so wonderful when a MA plan dies? In the "Medicare Advantage Minute" we learn that insured people are given a free pass to purchase any other plan available; including Medicare supplement plans which can be had without Medical underwriting. This means, one can acquire the finest, most secure protection available under Medicare without having to show evidence of good health!
In the "Your Medicare Benefits 2025" this episode's subject is entitled: Outpatient Services and Supplies.
Finally, the Veterans Administration has different levels of service, Priority Groups, and we run through descriptions of the various requirements for each group.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
SPECIAL EPISODE:
Prior authorization causes misery in Medicare Advantage plans.
How concerned should freedom lovers be when the government delivers that same troublesome process to Original Medicare?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Insurers pull Medicare Advantage plans as profit pressures mount: This from the "Medicare Advantage Minute"
In the "Your Medicare Benefits 2025" we learn how Medicare is likely to cover Outpatient hospital services.
Friend of the podcase, Steve sent an article addressing "Targeted Medicare Cuts" and how they can save money while reducing risk.
How about a side trip to Social Security Land? Someone named Rusty has an advisory column and fielded a question from a reader about when the best time might be to start collecting Social Security benefits might be.
Normally Democrats are on the opposite side of almost every possible subject from me but we now find ourselves connected like Siamese twins over support for the freedom from prior authorization in Original Medicare. I am dazed and confused by my unexpected alliance!
Finally, we have a new member of the podcast audience who hangs her hat in South Dakota ...er Nebraska sometimes.
I expect her to join the ranks of my happy clients as well!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We start off with the Medicare Advantage Minute: "The Great Medicare Advantage Contraction Appears Set to Continue!"
Then, in the "Your Medicare Benefits" segment we learn how Medicare is likely to cover "Other Transplants. These are not organ transplants, but might include stem cells, bone morrow and corneas.
In the afore-mentioned "Mail I Absolutely hate to Receive" segment, yours truly is kicked in the teeth by a marital difference of opinion.
After that we are treated to a communication about the horrible consequences that one man is enduring as a result of ignoring my often-repeated advice. Part of the tragedy? Having to stifle the "I told you so!" urge!
Finally, Stalker Susie checks in to congratulate Randy on his sartorial splendor!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The first report today is entitled: "Medicare Advantage Legislation in Congress - Five Bills to Know!" That is today's Medicare Advantage Minute segment!
The "Your Medicare Advantage 2025" reading tells us how Medicare is likely to cover Ostomy supplies.
United Healthcare is going through some unsettling times. Here we present twelve updates for your insurance news reading pleasure!
Why do I have to call somebody to get a Medicare supplement (medigap) quote? In my opinion, the reasons presented in this article are bogus. If you go to my website MedicareForTheLazyMan.com and fill out a questionnaire, you will receive quotes for several (usually at least 1/2 dozen) Medicare supplement companies drawn from my portfolio of excellent insurance companies by return e-mail. No need to call anyone!
Finally, where are the most beautiful hospitals in the USA located? Hint: the facility judged most beautiful of all is NOT located in Massachusetts!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
"Civil Monetary Penalties for MA and Drug Plans Are Rising, According to Government Figures" - Medicare Advantage Minute.
Osteoporosis Drugs - the subject of Your Medicare Benefits 2025.
And finally, "What to Know About Rabies", an in depth look at the state of risks and treatments of rabies in the new millennium.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we hear that GOP lawmakers are considering a revision of the whole magilla.
In "Your Medicare Benefits 2025" the exciting discussion centers around orthopedic shoes and how Medicare will cover them.
Finally, we listen to an explanation of the Medicare electronic claims process.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Plus, the Audible version is also out at a reasonable price, far below that $10 I mistakenly stated. SHEESH!
Do you like prior authorization requirements and "aggressive claim denials"? Well, neither does Johns Hopkins Hospital in Baltimore. That is the reason they may split from United Healthcare's networks in our Medicare Advantage Minute.
In the "Your Medicare Benefits 2025" segment we learn what expenses Medicare will cover when it comes to organ transplants. The organs in question: heart, lung, kidney, intestine, liver & pancreas.
The rest of the episode is filled with a glowing report on my new book, the most powerful book in all of Medicare: Medicare for the Lazy Man: BARE BONES! Priced at $1 for the Kindle E-book, $4.60 for the paperback and the Audible book coming soon!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" segment: We enjoy a tutorial designed to help defeat the various methods companies use to avoid speaking with their customers.
In "Your Medicare Benefits" the subject concerns how Medicare would cover Opioid Use Disorder Treatment Services.
Brand new client Curt just had his Medicare supplement plan approved on July 4th. A few weeks later he received a job offer that included company-paid health insurance. What to do, what to do?
Medicare maven Toni King is warning us about a new Medicare scam making the rounds. This one has to do with hospice care, which could be a little creepy.
Finally, I try (and fail) to construct a quiz based on the states where nurse burnout is perceived to be highest and lowest.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" segment, the question is posed:
Will Dr. Oz push MA plans now that he has been confirmed?
In the "Your Medicare Benefits 2025" segment, we learn how Medicare might cover Occupational Therapy Services.
This is all about helping with the ADLs (activities of daily living). I used to think it had something to do with gainful employment.
Client Howard writes to ask whether he is obligated to attend a Medicare Wellness visit even though his doctor pesters him to do so. Howard is suspicious that there might be a "truckload" of money involved, somehow.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we hear even more detail about the difficulties United Healthcare seems to be mired in. The Department of Justice is investigating charges of Medicare fraud & anti-trust violations.
So what else is new?
Your Medicare Benefits 2025: Obesity Behavioral Therapy and how Medicare might cover that if you needed it.
Soon-to-be-client Mary is wondering what action she should take to find out where her Part B Medicare application is hung up. Fortunately, Mary is an overachiever who has submitted her application early enough before her deadline that there is unlikely to be a troubling delay. That is not true for many other applicants!
"Big Fan Terry" checks in to report that his choice of a High Deductible Plan G worked out great. His Medical treatment has resulted in only a small out-of-pocket expense and his recent 8%rate increase amounted to a frightening $4 per month!
Finally, Stalker Susie has promised to try out the Kindle version of "Medicare Drug Plans; A Simple D-I-Y Guide" and report back on how useful it was in her search for the "best" (cheapest) Part D drug plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute segment We address the dangers of the "Medicare Advantage Trap" and learn how one should avoid it.
The government publication "Your Medicare Benefits 2025" reveals the extent to which Medicare will (or will not) cover nursing home care.
Is there an overhaul in the works for prior authorization regulations?
According to another article, Medicare Part D prescription drug plans may face an "uncertain future".
Weiss Memorial Hospital fails its quality inspection in several categories and so has been suspended from any Medicare revenue collection.
Finally, we review the dangers, both hidden and otherwise, of untreated heartburn and acid indigestion. Not a condition to be taken lightly!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute segment, United Healthcare cites the murder of their CEO in a move to stifle criticism from the press. Gee, that should make them a lot of friends!
In a selection from "Your Medicare Benefits 2025" we learn how Medicare would cover Nebulizers and Nebulizer medications.
A couple of valued clients inform me about trouble in Paradise! They move from Minnesota to Green Valley, AZ and some alert employee of their Part D prescription drug plan decided to do a little snooping. Eventually, the Minnesota plan was cancelled and the husband was unable to obtain any more meds.
During that investigation another mystery presented itself, this one centering on a theft of enrollment; a Medicare participant was notified that her drug plan had been automatically cancelled due to enrollment in a Humana Medicare Advantage plan. That would have netted some thief a $600+ sales commission. Fortunately, the Content Curator took quick action and the damage was reversed.
Listen carefully for a hint as to how one can improve a drug plan customer service encounter.
Susan is so eager to become a client she wants to lock in her Medicare supplement plan six months ahead of time. Didn't work out exactly as planned for her.
Finally, Dirk needs some guidance as to when to enroll in Medicare, his 65th birthday month or the month his wife retires.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
"MEDICARE FOR THE LAZY MAN: BARE BONES!"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we hear more detail regarding the accusations about alleged misdeeds committed by America's largest Medicare Advantage insurance company.
If the accusations are anywhere close to accurate, this behemoth may be following Arthur Anderson down the drain!
In the "Your Medicare Benefits 2025" segment we discuss poop, specifically screening your poop for signs of disease.
The cool part is that Medicare will pay for all this fun!
Finally, how old is too old to drive? Spoiler alert: there is no one answer for everyone.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute announces 2019 statistics:
17% of MA claims were denied in that year but of those claims that were appealed, 57% were ultimately paid.
In the "Your Medicare Benefits 2025" segment we learn how Medicare is likely to cover Monoclonal Antibodies when they are used for the treatment of early onset Alzheimer's disease. "Early onset" is described as symptoms appearing before age 65.
Humana subsidiary CenterWell announced the purchase of bankrupt firm The Villages Health. Apparently they declared bankruptcy after discovering they owed hundreds of millions to Medicare.
How does this sort of thing sneak up on a company?
Finally, as alluded to in the headline of this episode, there was speculation about what might happen if a person insured by a High Deductible Medicare supplement. Would the family members tasked with paying the bills be burdened by extra accounting and check-writing duties in the event of a long period of disability?
My answer? Unequivocally no!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we learn that many Medicare Advantage insurance companies have stopped paying sales commissions to agents that sell some of their Medicare Advantage and Part D prescription drug plans.
Later in the episode we receive the same interesting news from Blue Shield of California. How does a company expect to sell products through insurance brokers without paying sales commissions?
In the "Your Medicare Benefits 2025" segment we learn how Medicare is likely to handle claims for Mental Health Care (Partial Hospitalization).
Finally, client Larry reported that Globe Life of NY was planning to increase the monthly premium of the HDG plan he and his wife have been enrolled in. What he may not have realized is that it was the first rate increase in four years...unheard of for any but the much-maligned HDG supplement plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Our "Medicare Advantage Minute" reveals a plot to force all Medicare enrollees into the gulag of Medicare Advantage plans for a 3-year stretch.
Our new favorite listener, Stalker Susie, has been offered an assignment to evaluate the efficacy of the Kindle version of "Medicare Drug Plans; A Simple D-I-Y Guide!" I sure hope she accepts the offer!
Finally, in the "Your Medicare Benefits 2025" segment, we learn how Medicare will likely cover Mental Health Care (Intensive Outpatient Program Services)
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Randy Carson returns to share the stories of his Grand Tour of Europe!
In the "Your Medicare Benefits 2025" segment we learn how Medicare will handle my eventual need for Mental Health Care (outpatient) after I go nuts one day.
In UnitedHealth Group news, the company has announced the cessation of commission payments to insurance brokers for some Medicare Advantage plans.
Moody's has downgraded their rating from "Stable" to "Negative". As if that weren't enough, Lefties AOC and Lloyd Doggett have formerly requested the DOJ to turn the heat up even higher!
Finally, we review a list of physician specialties rated by the practitioners'' intent to either continue or withdraw. Some of the categories were very surprising.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Cleaning Fairy, who claims to be a "trained & certified" SHIP advisor, gifted "Medicare for the Lazy Man" with substantial praise, calling it: Comprehensive and clear!
In the "Your Medicare Benefits 2025" segment we learn how Medicare would be likely to cover Mental Health Care - Inpatient.
How about a list of 13 things one can get free from Medicare?
Finally, due to a situation that befell an old friend from High School, I share the results of my research on the Illinois Fair Patient Billing Act. This places limits on how medical providers can attempt debt collection but does not absolve patients of their fiscal responsibilities.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we learn that some politicians have opined that MA plans might be overdue for an overhaul!
Welcome to the party!
The "Your Medicare Benefits 2025" segment teaches us how Medicare is likely to cover Mental Health & Substance Use Disorders.
Are you worried about having a medical emergency while you are on vacation? I review an article that presents strategies for spending less while enjoying life more.
Finally, a personal friend of mine had been paying $800 for quarterly refills of his expensive drug. On vacation in St. Maartin he acquired a refill for $230. After I gave him another source he reported his best result at $156 for a 90 day source.
Maybe I can help you, too!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Your Medicare Benefits 2025" segment we learn how Medicare would cover the Medicare Diabetes Prevention Program.
"Stalker Susie" checked in to defend Massachusetts and to join me in lamenting the departure of Durgin-Park restaurant.
Having changed directions slightly, Neil Reich and I have come to a meeting of the minds. Since we are sort of duty-bound to discuss something about Medicare, I think we will find common ground upon which to discuss the future of MA.
On the other hand, Howard Farkash is still a question mark.
New client Curt needs quick action to complete Medicare enrollment so that his unexpected termination does not leave him in the lurch. Curt came to the fight place!
Amazon doubles down on generic drugs with a subscription service for those who are already Prime members. In most cases I think Wellcare Value Script would be a better option.
Finally, I read a short warning about the need to be cautious when it comes to Medicare scams.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In our "Medicare Advantage Minute" we learn about Humana's "cautious defense" of Medicare advantage plans. In a refreshing change of pace, Humana seems to be willing to admit that MA plans have room for improvement.
In a related conversation we touched on the ongoing legal action of the 250,000 retirees from New York City who have been engaged in a llawsuit against the city since 2021. They do not want the crappy Medicare Advantage retiree plan that the city says will save $600 million per year.
On a lighter note, we spend the "Your Medicare Benefits 2025" segment learning all about how Medicare would cover medical nutrition therapy services.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we examine the four major reasons that members of MA plans tend to move on to different plans after a period of time. Hint: it isn't because they are happy where they are!
"Your Medicare Benefits 2025": Mammograms. Enough said.
Our favorite Medicare Maven Toni King takes a letter from a reader about a claim that Medicare rejected. She explains the possible reasons and the most reasonable solution.
Finally, we try to figure out the rationale behind a list of the best and worst states for working fathers.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute: it might be a big fat lie but MA plans are pretending to support some reform efforts.
Some have predicted that MA plans could receive as much as $43 billion in overpayments per year for diagnoses not supported by medical records.
In the "Your Medicare Benefits" segment we look at how Medicare covers age-related Macular Degeneration tests and treatments.
The meat of this episode consists of a thorough description of my new book: Medicare Drug Plans; Simple D-I-Y Guide.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we learn how MA plans use prior authorization requirements to help balance the books. This at the expense of patients who are in need of medical treatment for the best opportunity to regain health!
Nebraska is taking the lead in the war to make MA plans better for their members.
In the Your Medicare Benefits segment we learn how Medicare is likely to cover lymphedema compression treatment items.
Do you like to get stabbed? We cover a list of vaccinations recommended for adults.
Finally, an advisor known only as "Rusty" takes a question from a couple who are shocked to have been caught by the "Success Penalty" known as IRMAA.
IRMAA casts a wide net but there is an appeal process that has shown success in the past.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we enjoy an article entitled: Should you ditch your MA plan? Most people do! If you are tempted to ditch your MA plan, you are not alone! Reported problems include difficulty accessing care, receiving quality care and accessing quality care from specialists.
In the "Your Medicare Benefits 2025" segment we learn under what circumstances and to what extent Medicare will cover lung cancer screenings.
Even more details are to be had as we review an article entitled "Does Medicare cover the Shingles vaccine"? Turns out the answer is "Yes"!
Finally, we tear into a list of thirteen of the most painful medical conditions humans can endure! After that each of us tries to disgust the other with a couple of additions to the list.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute was the source of an interesting and welcome news report of the likely agenda items to be pushed by Dr, Oz. As the new Administrator of the CMS he has some ambitious goals, including intensive auditing and collection efforts aimed at each Medicare Advantage plan.
In the "Your Medicare Benefits 2025" segment we learned how Medicare might cover Long Term Care expenses.
Finally, in the largest Medicaid fraud scheme known to mankind, crooks used the identities of dead patients in order to bilk billions from government coffers.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!"
"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"
on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we learn about an enterprising gentleman who built a Medicare empire. He provided services for which he was able to bill the government over $174 million.
Then the police came calling.
On to "Your Medicare Benefits 2025" where we learned how Medicare is likely to cover Long Term Care.
How might the "Big Beautiful Bill" affect Medicare? Some areas of concern involve Medicare Advantage and the upcoding that so many MA plans are wont to do.
Finally, we discussed some of the locations on a list of "12 Great Places to Retire in the Midwest".
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Accused of several despicable acts of malpractice, May has been a rough month for UnitedHealth Group. It is suffering a drop in stock value, reduced earnings projections and a loss of confidence.
One of the many accusations includes pressuring or bribing 2200 nursing homes to refuse the transfer of patients to hospitals, thereby saving the company many large claims.
In the "Your Medicare Benefits 2025" segment, we learn how Medicare would cover kidney transplants.
On a very serious subject, 11% of Medicare participants rely solely on original Medicare. This has the possibility of turning out to be a big mistake.
Even if one has the deepest of deep pockets, neglecting to carry insurance to supplement Medicare Parts A & B can leave one in a position of being refused treatment for elective or non-emergency medical procedures.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
My client had the best Medicare insurance available at a very small cost, but decided to drop Part B and her Medicare supplement for over a year while waiting for Social Security enrollment. Bad move!
She has been diagnosed with atrial fibrillation. She now must wait until next year to re-enroll in Part B and she may never qualify to get her great supplement again.
We started this episode by detailing some of the employee layoffs that at least 18 insurance companies must endure due to uncontrolled expenses.
This apparently includes 30,000 to be terminated from United Health Group, the largest health insurance company of them all.
In the "Your Medicare Benefits 2025" segment, we learn how Medicare covers Kidney Disease Education for those suffering from those afflictions.
Finally I give a short history of the origins and a couple of the quirks of Part D prescription drug plans.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We started out with the Medicare Advantage Minute during which we learned that the "Final Rule" for MA and Part D drug plans for 2026 has been published.
Learn 14 (or fewer) exciting things about what the future holds for those plans.
In the "Your Medicare Benefits 2025" segment we learn exactly how Medicare would cover Kidney Disease Education. This is an awkward way of saying that Medicare will pay to educate people about the ravages of Kidney Disease.
Did you know that Massachusetts is one of only three states that is allowed to design their own Medicare supplement plans? Well, they did a really bad job of it and they don't seem to care at all.
Finally, when it comes to GLP-1 drugs fight diabetes and also happen to promote weight loss, they may not be as wonderful as hoped. Six out of 10 patients stop taking these drugs before seeing meaningful results and many health insurance companies have stopped covering them.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Medicare Advantage Minute segment once again illustrates the fact that very few appeals were filed by MA victims of prior authorization refusals.
However, the majority of those appeals resulted in reversals of the denials!
In "Your Medicare Benefits 2025" we learn how Medicare covers insulin, including the newly created $35 monthly out-of-pocket limit!
Moments before recording time a plea for assistance arrived from a victim of the barrage of MA plan brutality that happens to everyone who turns age 65. After hearing a radio interview he decided to emerge from hiding and take a chance on Medicare for the Lazy Man.
Finally, How can one appeal a Part D lifetime late enrollment penalty? Just listen to find out!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we (again) read that Dr. Oz plans to scrutinize Medicare Advantage plans to make sure they don't continue to pursue the underhanded tactics, like "upcoding" that have allowed some of them to loot the US Treasury for year after year.
In "Your Medicare Benefits 2025" the topic of the day is Inpatient Rehabilitation Care.
The rest of the episode consists of correspondence and questions from clients and soon-to-be clients.
Just what the content curator ordered!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute, "Another Health System Scales Back Its MA Plan" which will leave Vermont and surrounding New England states with fewer MA plan options.
In "Your Medicare Benefits 2025 we learn how Medicare covers inpatient hospital expenses.
Finally, we have a look at the Big Beautiful Bill. In particular we review four elements that, if passed, would directly affect Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" segment we learn a little about what Dr. Oz may prioritize when he assumes command of his little corner of the bureaucracy.
How about some oxygen? Hyperbaric Oxygen Therapy is the subject of "Your Medicare Benefits 2025".
Finally, have you ever needed to visit a hospital emergency room? Did you wind up leaving in disgust with your medical problem untreated?
As it turns out, somebody measures these things in all 50 states plus DC! Also, the results are less politically biased than we have seen in many other survey results.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we have an item detailing a series of accusations about UHC having planted "operatives" in nursing homes.
The goal was to dodge big medical claims by manipulating treatment and stopping hospital transfers. Yet to be determined whether there was any collateral damage.
On a lighter note, we visit "Your Medicare Benefits 2025" to learn exactly how Medicare might cover humidifiers.
A valued client writes in to ask whether a recent disturbing encounter with solidified intestinal contents might drive him to debtor's prison. After detailing the mathematical calculations Medicare will use in covering the medical charges, the excellent protection provided by Medicare and his High Deductible Plan G may surprise you.
I was thrilled to receive some correspondence from a happy housewife who requested my best Medicare supplement recommendation for her and her husband.
At least I was thrilled until I learned that they live in Massachusetts, the place with the worst Medicare supplement environment in all of the USA. The fun continues in a future episode so be sure to stay tuned.
Finally, an old line property & casualty company brings its Medicare supplement offerings to my portfolio. The first notice I was included regarded a planned rate increase in Nevada.
True to form, Plan G was in line for a 28% bump in rates while HDG was due for only 11%. Think about what I have been preaching: 28% of a large number would be a much more painful rate increase than 11% of a much smaller one.
Give me High Deductible Plan G every time!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we hit the high points in an article entitled "Medicare Advantage So Far: Five Things To Know!"
The bottom line was a bunch of MA plan representatives whining about what they think was a niggardly increase in their payment schedule from the Treasury.
In the "Your Medicare Benefits 2025" segment we have a very short discussion about hospital beds.
Further discussions touched on Bass Ale and finally settled on a lengthy description of the best client I could ever want to have!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we go through news article reporting that the majority of MA members are confused.
It had some other negatives to report about Medicare Advantage as well
In "Your Medicare Benefits 2024 (or maybe 2025)" we learn exactly how Medicare covers in-home hospice care.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Patients with Medicare Advantage insurance coverage: rural hospitals are asking themselves whether they can afford to keep accepting them!
This is the subject of our "Medicare Advantage Minute" today.
In "Your Medicare Benefits 2025" we learn how Medicare would cover home infusion therapy services.
Then we spot check some rate increase statistics in order to determine whether inflationary trends are still exerting upward pressure on insurance premiums.
They are.
Medicare is not allowed to provide and pay for drugs whose only function is weight loss. Some of the newly distributed GLP-1 drugs provide weight loss effects as well as beneficial treatment of heart disease and type 2 diabetes. This causes a high demand for these expensive meds.
Finally, we learn what some pinko organization thinks are the best states and worst states for overall health care access.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In our MA Minute we scan the article:
Medicare vs. Medicare Advantage; Ill health often leads to a plan switch!
Bottom line: if one gets sick, one begins to see how MA plans can cause misery!
In today's "Your Medicare Benefits" we learn how and when Medicare will help with Home Health Services.
Client Robert from Virginia is unhappy with the level of Medical inflation that has caused his HDG rates to increase 19%. His home state has just enacted a birthday rule whereby Robert can change companies without having to provide evidence of good health.
Birthday rules like this are spreading across the land. Insurance companies say they drive up their costs, leading to premium increases. On the other hand, they can allow overburdened people covered by expensive supplements to have an escape hatch.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute" we hear news about seven prior authorization updates from various locations.
Since prior authorizations are a big problem with MA plans, this could be good news for the improvements these plans sorely need!
In the "Your Medicare Benefits 2024" segment we find out how Medicare might cover HIV screenings.
What follows is a short description of shopping for the best Medicare Supplement plan at the lowest cost: SIMPLIFIED!
One of my insurance companies is good enough to notify me when clients are scheduled for a rate increase. Some of my clients have the very comprehensive Plan G with this company and I read off a list of the rate increases these clients can expect to receive: shocking compared to the one rate increase scheduled for the client with HDG Plan: a $3.50 monthly increase!
I'll take that kind of increase all day every day!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
My appearance on a Phoenix radio show led to a brief expression of admiration for another guest's revised professional opinion. That, in turn, confused the hostess who expressed consternation that one would make reference to some other guest.
Go figure.
I expect an invitation will be issued soon to my new best friend!
Meanwhile, in the Medicare Advantage Minute we report on the Department of Justice filing charges against three giant insurance companies. Apparently, they have been paying huge kickbacks to brokerage firms using unscrupulous tactics while pushing victims into MA plans.
In the "Your Medicare Benefits 2024" segment we take a peek at how Medicare might over screening and treatment for Hepatitis C.
Finally, a radio show caller seeking a free book turned out to be a more interesting conversationalist than one might have expected.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Medicare Advantage Minute is pre-empted so that we can spend the time examining the current state of Part D Prescription Drug Plans (PDP).
We also do some speculation about the economic pressures facing these plans and what changes might be necessary for the year 2026.
In the "Your Medicare Benefits 2024" we learn the eligibility requirements and the extent to which Medicare will cover Hepatitis B screening and treatment.
Finally, a quiz reveals the healthiest states vs. the unhealthiest states in the USA for older Americans.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
After a spirited history lesson that finishes our Axis Sally hunk, we enter the "Medicare Advantage Segment". There we learn a little about part of the basis upon which payments by the Federal Government are made to the MA plans.
In the "Your Medicare Benefits 2024" segment we are treated to a very complete explanation of precisely how Medicare reimburses the cost of hearing aids.
Finally, Randy is challenged with a quiz concerning which of the states are most favorable and which are least favorable for working mothers.
He needs to sharpen his guessing skills!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
First order of business today is a history lesson: Axis Sally gave her last propaganda broadcast this date in 1945.
In the Medicare Advantage Minute we learn good news: Republicans are waking up to the reality that MA plans are turning on Medicare participants like rabid dogs!
How will Medicare cover Hearing & Balance exams? Find out in today's segment drawn from the pages of "Your Medicare Benefits 2024".
Quiz for the Podcast Producer: Which are the best and worst states for nurses?
Finally, we address one dozen FAQs (frequently asked questions) about Medicare. According to the Content Creator, this was an outstanding segment!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: MA plans are the ones squeezing more billions of dollars from the US Government.
In the "Your Medicare Benefits 2024" segment, we learn how Medicare would cover Health & Wellness Education Problems
A review of some insurance company rate increase filings (requests) as reported by several states seem to indicate that inflation is still causing upward pressure on insurance premiums.
Finally, a sister recommends "Medicare for the Lazy Man" to a potential new client and her husband. Her letter points out an often overlooked point. Those who are age 65+ and covered by an employers group insurance plan have the freedom to enroll in Medicare anytime they think it would be advantageous. Crummy network, substandard benefits or maybe the required contribution is too high.
Or for no reason at all....
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Interrupting a lengthy run, our usual kick-off feature has been temporarily suspended: No Medicare Advantage Minute article warning new Medicare eligibles about the dangers of MA plans.
In our other regular segment we learn how Medicare might cover Gym memberships and fitness programs.
Possibly the shortest segment in "Your Medicare Benefits 2024" history!
In Iowa news, a nurse has been sentenced to a stretch in the Big House for allowing a patient under her care to die of neglect. This episode reminded me of those I have helped escape MA plans after they were forced to endure substandard rehab facilities while recovering from surgical procedures.
With a Medicare supplement plan, you have complete freedom of choice as to where you seek treatment!
I go through a list of seven changes in Medicare for 2025. You would think we already know about all of these!
Another guessing game with the Podcast Producer: name the safest and the most dangerous states in America!
Finally, I run through a list of Medicare myths!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" segment, our article of the day has a headline that reads: "The Decline of PPO in Medicare Advantage". When times are tight, MA plans reduce the number of plans with the greatest freedoms.
This leads to a discussion of the greatest Medicare supplement plan ever created:
High Deductible Plan G.
A combination of the finest health insurance protection with the most cost-effective premium rates. Almost everyone who sees it ends up buying one!
How about "Your Medicare Benefits 2024"? In that article we find out how glaucoma screenings are covered by Medicare!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Article headline featured in Medicare Advantage Minute: Doctors say,
"Dealing with Health Insurance is only getting Worse"!
The sad story of an ophthalmologist who was driven to despair and forced to sell his practice in order to cope with the extra work caused by insurance requirements.
In "Your Medicare Benefits 2024" we learn how Medicare is likely to cover routine foot care plus foot care for diabetics.
Then we recount the facts in the heinous murder of Brian Thompson, the 50-year-old CEO of United Healthcare who was gunned down in Manhattan in cold blood.
HIPPA: Huge boondoggle adding extra cost to Medical care and enriching shysters everywhere!
The cost of this Kennedy-fostered monstrosity is not worth the "privacy" people have been brainwashed into thinking is so imperative: one Medicare specialist's opinion.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Lots of chat about Dr. Oz and his plans for the future of the Centers for Medicare & Medicaid Services. Unfortunately, the articles I prepared fell into what might be a bottomless pit.
In the Medicare Advantage Minute, Democrats sent a nasty letter to Dr. Oz questioning his support for Medicare Advantage and criticizing his substantial holdings in the biggest MA slut: United HealthCare.
From the pages of "Your Medicare Benefits 2024" we learn the short story of how Medicare covers flu shots.
CMS (the Federal Government) in a magnificent return to sanity ordered that questions catering to Binary, non-Binary and other confused individuals be stricken from Medicare Advantage applications.
Finally, a listener whose wife must have badgered him mercilessly, asked whether gym memberships were an included freebie with their Medicare supplement plan.
My answer was that a competing product had the benefit they seek but there would be an endless amount of paperwork and insurance foolishness to deal with. He decided to shine it on and hope that his wife forgets the whole thing.
We'll see!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
During the prelude to our "Medicare Advantage Minute" segment, I erred in identifying the surgeon given credit for the first heart transplant, which was performed in South Africa.
Eventually, our subject centered an article with the headline: "Insurers Brace for Continued Medicare Advantage Medical Costs" which was abandoned due to being out of date.
In the "Your Medicare Benefits 2024" we learn about Federally Qualified Health Center Services.
The final subject centered on an article listing "The 8 Things That Medicare Does Not Cover" which included a surprising number of items demonstrating trouble with Medicare Advantage plans.
Poetic justice!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
"Health Systems Brace for More ... Uncompensated Care"
- Medicare Advantage Minute
"Fecal Occult Blood Test Screenings"
"Flexible Sigmoidoscopy screenings"
- Your Medicare Benefits 2024
The rest of this episode is dedicated to those with body mass indexes over 30 and health problems related to excess weight.
Medical science has started to provide pharmaceutical solutions. As with most new developments, it will take time for the price to become more affordable.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: MA in the headlines...10 recent updates!
Your Medicare Benefits 2024: Are routine eye exams covered? How about with diabetes? How about with macular degeneration?
How about some correspondence from clients?
Brian wanted some details about the Medicare supplement application process. One important fact is that the insurance company will draw the initial premium right away on the date of approval.
Also, after discussing the Medicare situation with friends, he confirmed a fact featured in Medicare for the Lazy Man: Many people are not told about the High Deductible Medicare supplement plan option. Their loss!
Finally, an explanation of the fact that Aetna or any other supplement is almost immaterial. Medicare itself does the approvals, the Medicare supplement is just along for the ride.
It makes very little difference what company sold you the plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In Medicare Advantage Minute: we learn about a prestigious study conducted in Boston. The results showed that patients with MA have out-of-pocket expenses that are very close to those with Medicare supplement coverage, in spite of all the crowing about additional free benefits.
In the "Your Medicare Benefits 2024" segment we learn how Medicare covers "enteral" nutrition supplies and equipment.
Unfortunately, we never hear a definition of the term "enteral"!
In response to a valued client, I share my dissection of the cost advantage of HDG over Plan G. This is an esoteric concept with tangible, real world monetary profits to be enjoyed no matter how much or how little medical treatment is needed.
New client Mark wrote an Amazon review of the 2025 edition of MLM. He was surprised to fine out that Amazon rules forbid carrying reviews forward from the prior year's edition.
Finally, I stretch Randy's brain with another contest: identify the best and worst states in which to work from home. Hint: unless you have an outdoor swimming pool, your location is not considered to be among the preferred work-at-home sites.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
"10 Key Questions Facing Medicare Advantage" is the subject for our Medicare Advantage Minute.
More trouble ahead? This is the reason we spend time in every episode warning listeners of MA plan dangers!
In "Your Medicare Benefits 2024" we learn about how Emergency Department Services are reimbursed by Medicare. As usual they ignore the fact that my clients, and all responsible Medicare participants, will have acquired a Medicare supplement plan to enhance the Medicare reimbursement amount.
Average earnings of Medical Doctors by specialty in an interesting way to decide whether you could have chosen a more lucrative path in life!
The lowest earning specialties are: Public Health & Preventive Medicine (lowest at $257K per year) Pediatrics and Family Medicine.
Highest earners are: Orthopedic & Ortho Surgery ($543K per year) followed by Radiology, Plastic Surgery and Cardiology out of a total of 29 different branches of medicine.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A whistleblower snitched on an allegedly cheating MA plan, leading to a huge negotiated settlement, in our Medicare Advantage Minute.
EKGs, ECGs and how Medicare covers them is the subject of our tribute to:
"Your Medicare Benefits 2024"
The balance of the episode is given over to an analysis of the recorded and requested Medicare supplement rate increases. Conclusion?
Medical inflation is still with us and Medicare supplement rate increases exceeding historical averages will plague the industry for the foreseeable future.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute:
MA stocks soared following the 2024 election. The implication is that the new administration is more friendly to the evil Medicare Advantage plans.
I am not convinced that is true and I have faith that Medicare supplement plans will remain available for responsible, discriminating Medicare participants!
DME: Durable Medical Equipment is paid for by Medicare under certain circumstances. Very important: make sure the supplier is enrolled in Medicare!
Tragedy strikes Medicare for the Lazy Man: Alert reader Dominick Regina noticed that all of the many customer reviews earned by MLM 2024 were missing from MLM 2025. He thought it was a mistake until I explained.
Every year the book starts out with no reviews at all. I then hope and pray that the first bunch of readers are inclined to tell others about their beneficial experience via customer reviews!
Which are the best and worst states when it comes to childrens' health? Typical of our experience with WalletHub surveys, those in conservative states take it in the shorts!
Two of the many reasons one is likely to be very happy with a Plan HDG purchase over a Plan G:
1) The insured will only pay the low, low HDG premium, socking away the savings in case they are needed!
2) Future rate increases are likely to be smaller and less frequent if historic trends hold true.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Medicare Advantage Minute points out more trouble for Medicare Advantage plans. Hospitals have seen increasingly aggressive denials of payments with every expectation of more denial pressure to come!
In Your Medicare Benefits 2024 we learn how Medicare covers doctor services. No secret, their fees are Part B expenses.
Finally, we hear from Linda, wife of a happy MLM Medicare supplement client. Two years away from Medicare age herself, she is concerned because her favorite hospital and long-time doctor have been deemed "out of network" due to a merger or an acquisition.
Turns out she has a PPO plan, not an HMO. Even though these providers are "out-of-network" they are not out-of-bounds to Linda. For a somewhat less robust insurance coverage she will still be able to use them at will.
Two years from now, with original Medicare plus a supplement, her network concerns should be a thing of the past.
I am looking forward to helping Linda join her husband as another happy client!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The government has proposed more crackdowns on Medicare Advantage marketing and agent payments.
We list these proposals in the Medicare Advantage Minute.
In "Your Medicare Benefits 2024" we learn how Medicare is likely to cover kidney dialysis services and supplies.
Then we present an editorial that compares and contrasts the annual celebrations that are held for medical professionals. Were all of those years of med school, internship and residency really worth it?
Finally, the listener will hear some solid evidence proving that HDG is a much more cost effective supplement plan than regular Plan G.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: The Feds propose "health equity" mandates that will address a couple of the worst elements of MA plans...for poor people only!
What about all of the non-poor victims of Medicare Advantage plans?
In the "Your Medicare Benefits 2024" we learn all about kidney dialysis for children. These victims of ESRD (End Stage Renal Disease) are eligible for Medicare coverage in spite of their youth due to a special clause in the Medicare regulations.
New clients are disappointed to hear the wife's primary care physician (or the staff) assert that the practice will not accept patients covered by supplement plans. In the opinion of one expert, there is a misunderstanding or possibly a deliberate attempt to discourage patients with supplement plans. If there is an interesting explanation to this quandary, it will be presented in the future.
Client Howard expresses concern about the future of Medicare supplement in light of recent political events. I expressed confidence that there will be a secure future for the best coverage available in the Medicare-verse.
Finally, a situation that had been brewing for some time came to a head: a large chain of hospitals & doctors failed to renew their contract with BC/BS of Texas. On the 7th of April they patched things up and renewed their vows.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Federal Government, specifically CMS, proposed some rule changes for MA plans. We list ten of them in the Medicare Advantage Minute.
Your Medicare Benefits 2024: This segment tells us how Medicare will cover laboratory and non-laboratory diagnostic tests.
An inquisitive prospective client named Jim has studied legal insurance documents and has a million questions to ask. A 50+ year veteran of the health insurance biz is able to field almost all of them without too much difficulty. However, Jim has a revelation during one Q & A session. Apparently, the excellent benefits of High Deductible Plan G had not been adequately explained to him until today.
Finally, we take the WalletHub quiz to learn which they think are the healthiest and unhealthiest cities in the USA.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute: Proposed regulations would mandate that MA agents should tell their sales prospects about Medicare supplement plans. The thought is that this might ease some of the confusion in the Medicare marketplace.
In the "Your Medicare Benefits 2024" segment we learn how Medicare covers diabetic services and diabetic supplies.
Finally, learn about the blood test that may confirm the presence of Alzheimer's disease with 90% accuracy.
The most accurate current tests have maxed out at about 73% accuracy while primary care doctors doing in-office memory tests top out at 63%.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
"CMS Proposes New MA Audit Appeals Process. Don't worry, when it became apparent this was a proposal to benefit MA plans, I baled out very quickly.
In "Your Medicare Benefits 2024" we learn how Medicare is likely to cover diabetes screenings and self-treatment meetings.
Another rip-roaring contest from Wallet-hub: we learn about the 10 slimmest and the 10 fattest cities.
Finally, four years after Dave first made contact he reaches out again with some unsettling news about his health and the need move more quickly on his plans for Medicare supplement than he originally anticipated.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Randy Carson is temporarily suspended while we recount the sad tale of a multiple cancer victim who is fighting his disease and also fighting his Medicare Advantage plan, those who are supposed to help him get treatment.
Just what a cancer patient wants to spend his time and energy doing!
In the "Your Medicare Benefits 2024" segment we learn how Medicare is likely to cover depression screenings. Won't help the hero in the previous story though; Medicare Advantage participants have Medicare taken away from them!
Good news for those who value a happy workplace: the number of physicians who are thinking about leaving medicine has dropped 22%.
A resoundingly positive testimonial from our friend Dominick Regina! His personal experience appealing IRMAA surcharges by filing form SSA-44 has been very rewarding.
Finally, we dive into the Wallethub list of most and least "stressed" states.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" we learn what hospitals are trying to do about the tensions created by MA plans. For instance, in a recent year claim denials surged 55% on Medicare Advantage plans!
In "Your Medicare Benefits 2024" some of the situations in which Medicare will actually pay for dental work are listed. Medical complications like some cancer treatments, transplants and undergoing treatment as an inpatient may be enough justification for Medicare to authorize payment for some dental procedures.
Then enjoy a tutorial on the IRMAA penalty (Income Related Monthly Adjustment Amount) and my recommended method for trying to weasel out of it!
Finally, Toni King teaches writer Laura, and everybody else, on the proper way to cause her Medicare Advantage plan to self-destruct so she can rejoin original Medicare Parts A & B and enjoy the protection her Medicare supplement was designed to provide!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The message conveyed by this episode is, " Get out while you can!" MA plans are trimming their offerings in order to protect their profitability.
The subject of "Your Medicare Benefits 2024": Defibrillators! How does Medicare cover their purchase price as well as installation.
Which are the best (and worst) states in which for women to reside?
Finally, the MLM Podcast has been awarded a Humanitarian & Investment fund in the amount of $10,500,000 American dollars.
In recognition of this award I have just hosted my last podcast ever!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" an investigation concluded that the vast majority of dental plans attached to MA plans do not meet the standards generally available from employer group insurance.
The "Your Medicare Benefits 2024" segment revealed that Medicare will pay 100% of the charges for testing and treatment of Covid-19 (Wuhan Flu).
Ransom letters threatening data breaches have been received by several hospitals according to the AHA. In this podcaster's opinion, repeal of HIPPA would remove the incentive and free the medical industry of a great deal of costly burden.
Valued client Dean, fresh from a trans-Atlantic trip across the Equator, expressed admiration for the classy way in which United American announced an upcoming rate increase.
Finally, Kelly, a friend of valued clients Becky & Lester, wrote to ask how "Medicare Advantage Trial Rights' might be advantageous to her.
APOLOGIES to readers of the newly released "Medicare for the Lazy Man 2025..". There are several typos that must be corrected.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The last portion of this episodes takes a leisurely stroll through the newest in the series: Medicare for the Lazy Man 2025, Simplest & Easiest Guide Ever!
There are several new elements and other radically revised sections. The overall effect is to give the book a fresh approach for those who are reading it for the first time while offering additional interest for returning readers, of which there will be many!
This episode starts with the Medicare Advantage Minute reporting on a discovery: Medicare spends 27% more on those who flee from MA plans back to Medicare than it does on those who have never left Medicare!
In the segment on "Your Medicare Benefits 2024" I take a very deep & lengthy dive into how Medicare covers one type of DME (durable medical equipment): crutches!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Unfortunately, the dopes in this recording are not aware of that yet.
They do present an MA Minute wherein a new official names Medicare Advantage denials as the top revenue priority at Orland Health!
In the "Your Medicare Benefits 2024" we learn how Medicare covers "Counseling to Prevent Tobacco Use and Tobacco Caused Disease".
Perks of being an insurance broker: Humana invitation to an afternoon of Pickleball and beer! Meanwhile, Randy is parked in the Brazen Head, a Dublin pub founded either in 1198, 1613 or 1754 according to a confused Perplexity AI.
Next a run through the list of recent Medicare advantage rate filings makes the point that Medical inflation is still with us and still exerting upward pressure on insurance premiums.
Finally, we hear some tips to protect against Medicare scams!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage prior authorization rates keep on climbing!
In "Your Medicare Benefits 2024" we read about how Medicare might cover Cosmetic Surery
Finally, Bill's wife Susan has hatched a plan to enroll in an MA plan while she is healthy and switch to Medicare + a supplement if she gets sick.
Why would it work? They live in New York with no health questions asked of applicants for a supplement plan.
Why might it fail? There are only certain times of the year during which one can disenroll from an MA plan and those are the only times one can make the switch to original Medicare and then purchase a supplement.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute, we learn that the Dept. of Justice is investigating United Healthcare billing practices. Billions of dollars of fraudulent government payments suspected for questionable diagnoses.
In the "Your Medicare Benefits 2024" segment we learn how Medicare covers CPM (Continuous Passive Motion) and CPAP (Continuous Positive Airway Pressure) machines.
Finally, Bill asks a series of questions about Medicare for the benefit of his friend Cathy who may need to leave her job and make the switch very soon.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute, content provided by Diane Omdahl:
MA plans typically have two caps on out-of-pocket, unreimbursed costs; one on the drug benefits and one on the medical expenses.
Your Medicare Benefits 2024:
How does Medicare cover Concierge Care? Not at all.
How does Medicare cover Continuous Glucose Monitors? Very likely if your doctor asserts that you meet the criteria for eligibility.
Some purchasers of Medicare supplement plans are risk averse and afraid of the very limited cost sharing imposed by the low priced High Deductible "High Value" Plan G. State birthday rules to the rescue!
More and more states are mandating rights to change Medicare supplement plans under certain circumstances without having to show evidence of good health.
This removes much of the perceived risk of this best of all Medicare choices.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Backlash in the wake of the murder of Brian Thompson brings out complaints from dissatisfied patients of MA plans.
In the "Your Medicare Benefits 2024" segment, Medicare will apparently cover Social Determinants of Health Risk Assessments.
We address an article stating that the health industry is bracing for the arrival of RFK Jr.
Finally, we have a complaint about Too Much Medicare Marketing.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The shocking headline in our Medicare Advantage minute: Problems with MA plans keep mounting! Denial of service and slow care approvals seem to be used as methods of profit maximization.
The "Your Medicare Benefits 2024" segment takes a deep dive into the specifics of how Medicare covers "commode chairs".
Finally, when the IRS tries to extract the IRMAA success penalty from Mark, his reduced retirement income allows him to successfully employ the weapon I suggested he use against them.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute, we hear again about all of the negative changes coming to MA plans in 2025.
The "Your Medicare Benefits 2024" segment describes the requirements one must meet in order to be colonoscopized on Medicare's dime. I think there is some wiggle room there.
New client Tim writes to say that he is convinced that High Deductible Plan G (HDG) is the best choice for him. However, he wants to know how cautious and conservative he should be when selecting his Medicare supplement insurance company.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In our Medicare Advantage Minute, we learn that ten companies are exiting MA markets in 2025.
Do you need cognitive assessment? Some say that I do! Read all about how Medicare will pay for that plus care plan services.
Finally, I use perplexity AI to provide information to prospects who are considering the purchase of dental & vision insurance.
Ameritas and NCD by Metlife are the first two companies I suggest. There are many, many others to choose from!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Part of the cautionary tale about thalidomide illustrates the fact that Medicare alone is often not enough to persuade doctors to perform non-emergency treatment.
In the Medicare Advantage Minute, we learn that: "The Great Disruption is coming for Medicare Advantage"!
In "Your Medicare Benefits 2024" we take a brief look at Cognitive Assessment and Care Plan Services.
If you have failed to enroll in Part B of Medicare, the General Enrollment period can bail you out. We enumerate the three big reasons people may end up in that predicament.
Finally, we list six common, everyday things we all grew up with that appear to be disappearing.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we learn that algorithms used by the big 3 MA companies automatically reject 1 in 4 requests for post-acute care.
Your Medicare Benefits 2024 teaches us how the program is likely to cover Chronic Care Management Services, in case you ever need them.
In answers to questions from Randy, I explain that the Part D drug plan online enrollment process has been improved to allow me to enroll my clients. On the other hand, in order to select the "best" plan I must be able to predict the needs of the client will face in the coming year. Otherwise, my recommendation is just a worthless crap shoot.
Finally I review the changes in drug plans in 2025, list the three benefit stages of a drug plans and list just a few of the problems one might experience with a Medicare Advantage plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Enjoy the fascinating story of how the geniuses at Medicare failed to figure out that Medicare Advantage plans have been dodging the claims of their members who also receive treatment at the VA!
In "Your Medicare Benefits 2024", we learn how Medicare pays for Children's Kidney Disease and Chiropractic Services.
Doug's wife has been a happy client with High Deductible Plan G and now his 65th birthday is approaching and he wants in on the fun!
Finally, we learn that some new programs are coming down the pike, including dementia support services in which volunteers are trained to care for dementia patients.
(By volunteers we probably mean family members)
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute, we learn:
Government Scrapped a MA Rule Over Industry Opposition
Let the Billions of dollars in fraudulent payments continue to drain the US treasury! MA plans have managed to drag their feet for ten years after government review of patient records fails to find treatments they thought they had paid for.
Check out how Medicare will pay for Chronic Pain Management in "Your Medicare Benefits 2024".
Looks like they are planning to cut doctor reimbursements again but the AMA purports to be fighting that action. We should all want to have happy, prosperous doctors serving Medicare!
Client Shauna writes with some questions that show she has forgotten some of the great benefits of having Medicare + a supplement.
History & trivia department: Henry VIII's flagship Mary Rose rolled over and sank in 1545. It was finally raised in 1982.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.ontact
Official website: https://www.MedicareForTheLazyMan.com.
Program note: Pay no attention to the man behind the curtain! This episode was recorded after I endured the "Fungus Among Us" but is presented out of order. References to my disease should be ignored.
The "Peoples' Action Network" sounds like the Symbionese Liberation Army. On at least one day last summer they expressed interest in making a health insurance company more accountable to its customers.
In Your Medicare Benefits 2024, we learn how Medicare will help you if you have more than one serious medical condition and need expert assistance.
Finally, Jeffrey, who says he is a big fan, writes to ask for guidance in coordinating retirement dates, enrollment dates, effective dates and HSA deposits for him and his Mrs.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.ontact
Official website: https://www.MedicareForTheLazyMan.com.
In Texas, South West Health Resources is ending their Medicare advantage plans due to "headwinds" from our Medicare Advantage Minute.
Your Medicare Benefits 2024 describes how Medicare will cover checkups and testing for female problems.
David writes a lengthy paragraph full of questions about how the insurance each of his family members will be affected when he enrolls in Tricare For Life.
Talk about a complicated situation!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
According to "Your Medicare Benefits 2024" Medicare will pay to have your cataracts burned off those baby-blues! You might have some decisions to make, though.
United Healthcare lost another of their in-network hospital chains in six states: Trinity Hospitals.
Finally, a fan of MLM named Lola wrote in with a perplexing question:
She is on Medicaid and will soon turn 65. Can she ignore Medicare? Turns out, Perplexity AI said no, she can't. The good news is that after she enrolls in Medicare, Medicaid may step up to pay the Part B premium for a "dual eligible" like Lola.
Last I heard, she was heading for the phone to confirm this with her Medicaid caseworker!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute, a hospital chain based in Huntsville, AL and environs parts company with United Healthcare, leaving many former members in the lurch.
If you acquire a caregiver (or "caretaker" as I prefer), and that person needs some training in order to perform effectively, Medicare will assist in accomplishing that.
In a lengthy segment we wrap up the podcast by listing nine changes affecting Medicare in 2025.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
United Healthcare sues the Feds due to a reduction in star ratings. This trouble started with a single marketing call that went south; probably a secret shopper.
Learn how Medicare would cover cardiovascular counseling and screenings. If your doc accepts Medicare reimbursement you will probably pay nothing for these procedures.
A lengthy list of insurance company rate filings shows that we are still suffering the ill-effects of a long inflationary spiral.
Finally, Steve's brother-in-law strongly suggested the purchase of "Medicare for the Lazy Man". While waiting for delivery he thought up some questions, the answers to which may help guide his next steps.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the MLM Medicare Advantage Minute we address the following:
"Insurers Brought In $50 Billion Through Questionable Diagnoses!"
It's an old story that never seems to end; evidence is that MA plans are fabricating "proof" of the rotten health of many of their clients, thereby earning larger payments from the US Treasury! This is known as "Upcoding".
In the "Your Medicare Benefits 2024" we take a look at Cardiac Rehab and how Medicare would cover that if your heart problems required serious medical intervention.
Then we read a list of the top 20 hospitals in the US which have maintained pricing transparency. In my opinion, that is the last item on the mind of someone who requires hospitalization!
Toni King fields a question: Should I purchase a Medicare supplement or Medicare Advantage plan?
In the view of this reporter there is only one answer to that question.
A client writes to ask what his Medicare supplement's next premium increase is likely to be and whether it would be time to do some shopping for a better price on a different plan, maybe using the Nevada Birthday rule?
Finally, consider the likely increase characteristics with Plan G as opposed to High Deductible Plan G as the years pass.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In our Medicare Advantage Minute for today we take it to the enemy with, "Medicare Advantage Star Ratings Fall Again!"
An excerpt from "Your Medicare Benefits 2024" explains the coverage available for Medicare participants who need artificial eyes or limbs.
Evidence of inflation in the health insurance arena: a list of the Medicare plans which have filed for rate increases in various states.
Finally, Jim checks in again with advice from his employer's group insurance agent. Good advice, generally speaking!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute:
Humana's profit prospects dim as star ratings drop off a cliff! Their clients in four+ star rated plans fall from 94% to 25%.
The exciting excerpt from "Your Medicare Benefits 2024" addresses Ambulatory Surgical Centers.
Finally, a discussion of one source of potential food contamination devolves into a wide-ranging discussion of the state of freedoms in America.
Free association? You be the judge!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we learn that Premera, one of the 54 members of the BC/BS Association, is ending the sale of MA plans.
Deep in the pages of "Your Medicare Benefits 2024" we find that Medicare will pay for needed canes as they do for DME (Durable Medical Equipment). White paint is extra.
A newcomer named Vince needs advice about how to help his recently arrived father. A Vietnam era Marine, Vince Sr. seemed to be having trouble with the VA and with his dental health.
Stay tuned for an update!
Finally, a newly discovered New York program offers affordability help with expensive meds:
EPIC: Elderly Pharmacy Insurance Coverage Program (only in New York)
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We start out with the Medicare Advantage Minute, in which the article stated, "The Medicare Advantage world is facing turmoil!"!
If you can medically qualify for a Medicare supplement, it is time for you to dis-enroll from your MA plan, return to Original Medicare and purchase a supplement.
I recommend High Deductible Plan G!
From "Your Medicare Benefits 2024" come articles about how Medicare covers braces and breasts. More specifically braces for: arms, legs, backs and necks and for breasts: prosthesis!
As mentioned above, Diane applied for Medicare supplement coverage scheduled to start in a couple of months. Find out what almost queered the deal!
If you plan to move out of the US for a few years, will you be allowed to suspend your Medicare, supplement and drug plan until you return?
Let me ask you a question, "Will you be working for a company with group health insurance"? If not, the answer is very simple.
Finally, we review the three types of relationships a doctor may have with Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute segment, we learn:
"MA Customers Face A Shrinking Pool of Insurers!"
The item for today in "Your Medicare Benefits 2024" is: Bone Mass Measurements, diagnosing Osteoporosis; what are the eligibility criteria and how are these tests covered by Medicare?
Stay tuned for an interview with an actual Osteoporosis patient who understands the risks and consequences of this condition.
Finally Toni King, our favorite (easily distracted) Medicare Belle, takes a question from Evelyn who asks what her recourse is when her local Social Security office loses her application paperwork and refuses to correct the mistake.
Recommendation: rat them out to your Congressman and ask for his intervention.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Cigna Insurance, on the verge of being acquired by a BC/BS holding company, joins the stampede to scale back its Medicare Advantage footprint in eight states.
Would you prefer a blood test to a colonoscopy? I sure would!
Find out how Medicare will pay for such a test...if you qualify.
How about cataract surgery? Clear up your vision and let Medicare pay the cost plus buy you a pair of glasses to boot!
Check out the Medicare payment rules and how you might benefit.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In today's MA Minute, we hear about the downside of managed care. That is the part where insurance company accountants manage your care rather than you or your doctors!
There is power in those green eyeshades!
In "Your Medicare Benefits 2024" we learn about blood, or rather how Medicare will pay for procedures involving blood.
Finally, the Social Security Administration is in charge of signing people up for Medicare. In some places, it doesn't seem too interested in doing its job!
One soon-to-be client had to call his senator in order to shake loose some action on his application. Another found out they lost his original application, found it, mishandled it and eventually, maybe accidentally, managed to get it together just in time.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Unlike more traditional escorts, these will see to it that you arrive home safely after a rough day at the clinic.
Headline in the Medicare Advantage Minute:
Insurers collect billions in dubious Medicare Advantage payments. "Dubious" because many members were reported as having grievous conditions. After payments, MA plans reported no follow-up visits. Fraudulent? You make the call!
According to "Your Medicare Benefits 2024", If you need behavioral health integration services, Medicare will use the Psychiatric Collaborative Care model. Don't ask me, I am perfectly well adjusted.
Finally, the current state of medical inflation is suggested by many of the rate increases sought by Medicare supplement carriers in their various jurisdictions.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The more gold stars a Medicare Advantage plan is gifted by the government, the deeper it is allowed to reach into the US Treasury!
On the other hand, a Barium enema can lead to early diagnosis of cancer, so I will take the Barium every time!
Finally, we present a short tutorial on how arbitrary and petty Medicare supplement rate setters can be.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In The MA Minute:
Medicare Advantage Plans Need More Oversight; Less Overpayment!
Do you dream of bariatric surgery? Wonder whether Medicare will pay for it? Apparently it depends on the extent of your obesity. We pay a visit to "Your Medicare Benefits 2024" to find out.
ACCENDO, an Aetna subsidiary providing Medicare advantage plans, appears to be drastically reducing the number of states in which it will do business in 2025. What might the consequences be?
One client needs Evenity injections for a year. Her thought is that she will be writing big cost-sharing checks due to her Plan HDG. My thought is that her savings over the past few years, if stashed away, will help to defray this extra expense.
Finally, another client discovers that he under-reported income which might have resulted in a modestly larger IRMAA penalty. He wonders if it would be best to turn himself in to the IRS or should he wait for them to hunt him down like the cur that he is.?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We lead off with the Medicare Advantage Minute article:
"Senate Report Slams MA Insurers for Using Tech to Deny Claims"
Three apparent culprits are: United Healthcare, Humana & CVS!
In the "Your Medicare Benefits 2024" segment we delve into the exciting world of anesthesia. How is it covered and how much of it is paid for?
One of the most confusing and difficult elements of this subject concerns the ability of a disabled person who is under age 65 to deal with the system if they lack knowledgeable advice.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Ambulance services and, under certain circumstances, even helicopter rides can be provided by Part B of Medicare. This according to the latest government publication: Your Medicare Benefits 2024.
In the Medicare Advantage Minute we hear sickening reports of the billions of $$ that have been siphoned off by this program as well as the pathetic efforts used to collect overpayments from the miscreants.
How about some special enrollment opportunities? Listen to a lengthy, albeit confusing, array of periods in which certain rules of enrollment welcome certain segments of the Medicare eligible population to snatch their opportunity!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The story on the state of the Canadian system made reference to one Greg Price. He was a 31 year-old pilot from Alberta who was allowed to die in 2018 from testicular cancer due to the ineptitude inherent in their single payer Communist health system.
Take a peek back in the crystal ball at AEP 2024. Pundits predicted turmoil and they were right!
In the new book "Your Medicare Benefits, we read about alcohol misuse evaluations.
In a related story, I describe an encounter with an Arizona doctor who has a blind spot where one particular affliction is concerned.
One would-be client wonders if he has missed the fall "open enrollment" deadline or can he still purchase a Part D drug plan.
Thanks to my scientific search process, a client is able to purchase a drug plan that will be completely free of charge all year as opposed to the more expensive plans with which a less dedicated agent might have stuck her.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute headline:
HCA Medical System sees way too many prior authorization denials!
This Nashville based health system (with 186 hospitals and 2400 care sites in 20 states and the UK) is fighting back against the intense Medicare Advantage pressure of prior authorization service denials: trying to beat them at their own game!
From the government publication "Your Medicare Benefits" comes a description of how Medicare covers Advanced Care Planning.
Finally, the plaintive plea for help from our new client arrives. This sets in motion a plan to use the "Medicare Advantage Open Enrollment Period" to disenroll from the problematic Medicare Advantage plans the husband had been sweet-talked into joining.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" segment, the headline is:
"Hospitals Sick of Fighting for Medicare Advantage Dollars!"
This article lists a few more hospitals giving up the struggle[e and resigning from Medicare Advantage networks (notably United Healthcare).
Also, spend some time learning about abdominal aortic aneurisms, the problems they cause and the way Medicare covers the diagnostic testing for them.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
It's the "Medicare Advantage Open Enrollment Period" when you may escape from that MA trap and return to original Medicare if you like!
Smart government authorities would authorize enrollment into Medicare MSA plans during this period. Maybe under the next administration!
In The Medicare Advantage Minute: star ratings are taking a big hit as the scores are revised downward. One source is quoted as saying, "The quality of Medicare Advantage Plans ain't what it used to be"!
Humana is bleeding providers to such an extent that the government is allowing some of their members to escape to new plans without a formal SEP! Two recent Humana heartbreakers are Sanford Health and Avra Health.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the "Medicare Advantage Minute" segment, we hear that the government plans to establish new guardrails on MA prior authorizations and marketing.
New government best selling thriller: Your Medicare Benefits!
In other health news, 200 Voodoo practitioners were slaughtered in Port-Au-Prince by a gang whose leader assumed they caused his son's illness.
Rick, husband of a blackjack dealer, has worked out a complex health insurance plan for the first year of retirement. Fingers are crossed that neither of us overlooked any important details.
Finally, client Paul is very pleased with the coverages selected for him but let an important deadline slip past. He mistook AEP rules with a Pearl Harbor Day deadline for ACA rules that have a December 15th deadline.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Have you ever eaten at Bud Harkert's in Omaha? Let us know!
The numbers are growing: more participants are being lured and/or forced into Medicare Advantage plans and more participants are falling victim to "care rationing".
Forty-six million episodes of denial in 2022 alone!
The pervasive effects of our current inflationary trends are illustrated in a review of the Medicare supplement rate increases imposed on participants during recent months.
A soon-to-be client refers to me as a "very busy national figure" who may not have time to attend to his concerns in the future.
I reassured him that:
After he buys the best available insurance from me,
like General Eisenhower on D-Day,
I would soon become the least important man in his life.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
- Official website: .https://www.MedicareForTheLazyMan.com.
Hard to believe in these inflationary times:
My recommended plan HDG (known as G+ in New York) is the only plan in its family not being forced to endure a rate increase.
Shocking: Financial analyst describes the damage to Humana caused by a government rating reduction. The company is described as "reeling"!
M has her choice of Part D prescription drug plans:
After a scientific search, her agent advises a Wellcare plan that will cost $60 all year. Her dopey friend suggests a Humana plan at $4000.
Finally, a valued client moves to Washington State. She finds a cheaper company we don't have a contract with so she sadly leaves the fold.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare MSA is alive and well in Wisconsin, just waiting for the right people to come along:
Those who will fail Medicare supplement underwriting, those who want a $0 Medicare plan that will pay them cash each year, frequent travelers willing to trade a high deductible for $0 premium....only in Wisconsin!
MA Minute: Providers are fed up with Medicare Advantage!
When you acquire a Medicare supplement from, let's say Bob's Storm Door and Supplement Company, don't ask the office clerk "Do you accept Bob's Insurance"? She'll say, No, we don't" without even thinking.
Aetna Medicare Advantage plans are struggling with last minute negotiations to keep Trinity Health (with 92 hospitals) in their networks.
If my docs go away right after I could have selected a different plan during AEP, I would be really perturbed!
Alicia & the Mister want to know, "Where is your 2025 edition???"
I wish I had a good answer to that question!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
FYI, if you take expensive prescription meds, 2025 will bring a $2000 limit on out-of-pocket cost sharing for covered drugs.
This failed attempt to buy votes in the recent election has left behind a trail of unintended consequences and unanticipated turmoil.
Mr. Young pays another visit to the podcast to ask how this new limit is likely to work with his prescriptions for Otezla and Skyrizi.
My speculation is that the Feds will find a way to mess it up.
In the Medicare Advantage Minute: "The sickest patients are fleeing private Medicare plans, costing taxpayers billions!" MA plans do not like spending money on after-hospital care, no matter how great the need.
How is your Medicare supplement rated: Attained age, issue age or community? You shouldn't listen to so-called "unbiased" advisors!
A southern MD with a lengthy drug list waited too long to attempt the move to Medicare supplement. His Advantage plan's pharmacy benefit is just too good to leave for a stand alone Part D drug plan.
Steve invited himself to our Christmas party but we have to ask the sponsors their opinion, since they are the ones picking up the tab.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
It is absolutely moronic to pick a Part D prescription drug plan by recommendation from friends, neighbors or Facebook prowlers.
There is only one way to identify the "best" (cheapest) plan: A scientific search by an experienced expert.
OTHER QUESTIONS ADDRESSED IN THIS EPISODE:
MA Minute:
What might Trump's 2nd term mean for Medicare Advantage plans?
Diane is new to Medicare: she has six rapid-fire questions!
Joel wants to know if he is crazy: He wants to use Form SSA-44 to appeal the imposition of IRMAA on a recent retiree. No he is not!!
Finally, know that Medicare supplements are happily accepted by billing departments everywhere. If you feel compelled to ask first, learn the proper way to pose the question so you don't get a blank stare!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In out "Medicare Advantage Minute" the question is posed.
"Is Medicare Advantage a good deal for enrollees?"
We are nudged to spend some time on correspondence from clients and potential clients. For instance
A wife charged with guiding her husband through Medicare enrollment has questions. For instance, exactly what does the term "creditable" signify?
Finally, we salute original listener and friend of the podcast Dominick Regina who sent his brother-in-law to MLM for professional Medicare guidance.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
1,000,000+ Patients are likely to lose their Advantage plan providers!
As more doctors and hospitals refuse to accept patients with Medicare Advantage insurance, those victims will have increasing difficulty finding convenient and reasonably priced treatment options.
The Medicare Advantage Minute: "Lessons from the 1990s".
As pressure on MA plans builds, the author of this article suggests that there are things to be learned from the early days of managed care Medicare plans.
Client correspondence: a New Yorker writes in to ask how he might cut down on his Medicare supplement expenses. Plan N costs him $233 while the New York equivalent of HDG would only cost $72 per month.
An Arizona wife wants to have her husband disenroll from Part B of Medicare for a few years.
Finally, listen to a new reader book review from a couple who requested High Deductible Plan G and were told it did not exist in Connecticut.
You might have seen this lie predicted in Medicare for the Lazy Man!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Tales of two mothers:
One, age 96, has a daughter that fell victim to Medicare Advantage Zombies; she was duped into offering up her mother as a sacrificial lamb.
The other was recently widowed with nobody but her insurance agent to guide her.
Fortunately, each story has a happy ending.
Finally, in the Medicare Advantage Minute, someone suggests that MA plans be contracted for longer periods, like two or three years.
At the end of this fairy tale, I explain in detail why this seemingly innocent idea should never be allowed to see the light of day.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Wake up! Time is running out to select a better drug plan for next year. Did your ANOC predict unpleasant changes for the plan you have?
In the Medicare Advantage Minute we learn about one health system's secret to Medicare Advantage success!
Medicare enrollment period scams are plentiful this year, including a "smishing" expedition!
Finally, enjoy our tutorial about SOAs (Scopes of Appointment).
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Hello Baby Boomers, it's great to make your acquaintance!
We are very happy to have been invited to join you on: BABYBOOMER.ORG.
If anyone needs me, I'll be browsing all of the interesting content over on the very busy site at BABYBOOMER.ORG.
In the Medicare Advantage Minute today, we take a peek into the future with an article entitled:
"The Great Disruption Coming for Medicare Advantage!"
Finally, meet the likely new head honcho at the CMS: Dr. Oz! Are we happy to see pro-Trump doctor appointed to head up an important government department? Yes we are!
Is there some very serious cause for concern? You bet there is!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We deliver cogent reasons to Darrell, explaining that High Deductible Plan G is the greatest!
Jim & Jill ask when it would be wise to consider changing Medicare supplement insurance companies.
In an article headed by a photo of maniacally grinning ladies at the bowling alley, we get to hear some hints about looking for a new drug plan for next years.
In the Medicare Advantage Minute, the question is "Can MA be a good deal for its participants? (Hint: Randy says "No chance!")
Most important, we welcome another McMillin into the English speaking world: Little Henry was born after 9:00 PM and was ejected from his Canadian hospital by 1:00 AM.
So much for the Communistic Canadian health system!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+) Visit us on: BabyBoomer.ORG
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A conservative podcaster's mother is suffering at home with substandard hospice care. Little Joe's Conservative Corner blames "the system" but I wonder if the real problem might be a substandard Medicare Advantage plan. If I find out, I will report back to the audience.
Recently widowed Niki wants to know if she has any recommended insurance tasks, now that her husband, my friend, has died.
Finally, Randall wants to know how Part D drug plans can stay in business while charging $0 premium each month.
Randall, you silly goose! The taxpayers are being drained to pay for this government boondoggle and the party in power is trying to convince voters they are generous benefactors.
Oops!
Contact me at: DBJ@MLMMailbag.com Join us on BabyBoomer.ORG
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Minnesota client Michael is starting to regret purchasing expensive Plan G for maximum Medicare health insurance protection.
As his long-suffering agent predicted. Michael is weary of paying for Cadillac insurance when HDG works so well for so much less!
The Medicare Advantage Minute sees Independence BC/BS contending with "Election Anxiety" and using extraordinary measures to "get their story out". Is their "story" really worth hearing?
Disappointments in the course of business for an Medicare insurance agent:
Frank & Mrs. Frank partake of an agent's professional services. When the agent discovers the misguided insurance company charges a premium of 6% over a DIY enrollment, he discloses this to the clients. Frank decided to grab the 6% and leave the hard-working agent in his rearview mirror!
Kathy professes confusion even AFTER reading an excellent book on the subject. Within a few days she had been snatched away by evil trolls!
Michael professed a need for dental insurance so his agent provided links to three high-quality options. Months later, Michael professed a need for dental insurance so his agent provided links to three high-quality options.
Have you ever seen the movie "Groundhog Day"?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage plans objected to the investigation of their massive overpayments, according to a report.
The government just dropped the case without so much as a whimper.
In other news, 2025 CPI-boosted changes to Medicare coverage were announced. They could have been worse!
New Yorkers rejoice! Globe Life of NY announced 2025 rates, all of which were increased EXCEPT for High Deductible Plan G. Go figure!
For quality and cost, HDG is still the best Medicare Supplement deal in New York (and everywhere else)!
Finally, Timothy receives confirmation in 5 areas of thought about his new Part D drug plan selection.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If an agent does not or cannot perform a proper search for the best prescription drug plan, the insured may be forced to waste money all year.
In the Medicare Advantage Minute, we learn that in some cases MA members have higher expectations. How top rated insurance companies respond to these expectations.
Finally, we encourage victims of IRMAA to download form SSA-44 in order to file an appeal.
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Our main article states "Election outcome could bring big changes to Medicare".
Each candidate accuses the other of supporting actions that will cause suffering and damage to the Medicare program.
Another article from the other side of the aisle: Trump's Whitehouse return poised to tangle healthcare safety net.
The episode begins with a report on the shrinking service areas of some Medicare Advantage companies, including Humana who is retreating from 13 counties holding 560,000 members!
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Listen to the end for some Social Security talk! We go through a series of Social Security myths assembled by AMAC.org.
Also noteworthy: Humana settles a whistleblower suit claiming fraud in billing the government for drug plan administration. The settlement amount: $90,000,000.
We have correspondence from clients. One is only worried about getting a plan that will cover one of those expensive "O" drugs.
The other is concerned that buying the least costly drug plan might sacrifice catastrophic drug protection should that ever be needed.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If your agent doesn't know or doesn't care, you could wind up with a very expensive Part D prescription drug plan.
Medicare Advantage Minute: 500,000 Americans are about to lose their plans in 2025.
Perplexity.AI has some very nice things to say about Yours Truly as well as Medicare for the Lazy Man 2024!
Finally, a valued client and man of the cloth in Missouri was almost taken to the cleaners by his drug plan. Lulled into a sense of security and inactivity, his plan was preparing to jack his monthly premium sky high!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Thanks to the government for squeezing insulin makers to give away their product below cost. Many plans are dropping one or more types.
In the Medicare Advantage Minute, we hear that the battles between hospitals and insurance companies are predicted to grow.
This episode's visit to the Medicare Wikipedia page will be the last! The subject for this final visit is the effort to add dental and vision as official Medicare benefits.
More bad news for Medicare Advantage members: Trinity Health looks like it may be parting company with CVS's Aetna insurance company.
Client correspondence includes a plea for help from a Florida pediatrician who needs guidance in starting his Medicare enrollment. He wants to know where to start?
Finally, Stuart writes to express his and Francine's thanks to MLM for having suggested such ideal insurance plans for them. I'll take it!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The short answer: If you can't predict exactly what drugs you are likely to need, picking a better plan will be a shot in the dark.
Switch to a more expensive Medicare supplement? That would likely be counterproductive: HDG premium savings offset the out-of-pocket costs and save big bucks during healthier times.
Medicare Advantage Minute: hundreds of thousands are going to be thrown off their plans by financially stressed insurance companies.
The Medicare Wikipedia page discusses proposed limitations on Medicare supplement plans and whether they might not be effective.
Finally, our favorite non-insurance selling Medicare advisor Diane Omdahl draws a connection between government price controls and a reduced insulin availability.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Those who don't know about Medicare for the Lazy Man can be duped. If the agent is new or not trained, he won't know how to properly search for the best drug plan for you.
Medicare Advantage Minute: One plan in Missouri has been ordered by the government to stop enrolling new clients. Their infraction? Showing too much profit. Welcome to America!
"Perverse incentive theory": according to Wikipedia, Medicare supplement plans encourage overutilization of medical services and drive up Medicare costs when the benefits are too generous.
Finally, MLM Podcast fan Linda has done some research on behalf of her husband. They both kind of like plans from Blue Cross/Blue Shield for him but after seeing what MLM has to offer, they purchase excellent insurance at much less cost.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
This might explain why Medicare Advantage plans are losing their support.
More former supporters from each side of the aisle are wavering.
The Wikipedia entry for Medicare makes the point that the public expresses more support for government programs that are universal than those that are means tested.
MD Anderson, in Houston, has failed to come to agreement and will not remain in Medicare Advantage networks of the Texas Blues.
Thanks to a security breach and the evil HIPPA legislation, about one million Medicare participants will be getting new cards with new identifiers (numbers).
Finally, I was able to view graphs illustrating the dramatic effect that inflation has had on the premium rates of Plans G and N. Too bad those poor victims weren't enrolled in the High Deductible Plan G (HDG) plans touted by Medicare for the Lazy Man!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute segment, we learn that 23 health systems (as of the publishing date) are refusing to accept MA plans for reimbursement in 2025.
The Wikipedia page about Medicare discusses the possibility and ramifications of reforming care for "Dual Eligibles", those who are eligible for both Medicare and Medicaid.
Finally, choosing the best prescription drug plan for an individual on Medicare involves following some rules and adhering to some important principles.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
More recently, CVS fired another CEO who they just finished paying $21,000,000. What's wrong with this picture?
The Medicare page of Wikipedia describes the Federal government negotiating the prices of prescription drugs. In my opinion the government doesn't negotiate; they dictate!
Toni (with an "i") advises a heart patient to dump COBRA ASAP and enroll in Medicare with a supplement for the best insurance protection.
Finally, esteemed client Bob sets a great example for all of us. He read his ANOC and learned that his current drug plan will perform well for him next year.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Many new, naive agents have not been taught the scientific way to save clients a great deal of money by choosing the best Part D drug plan!
Medicare Advantage Minute:
"Where health systems are going wrong with MA" turns out to be a promotion of the basic, very silly theories behind HMO plans.
Wikipedia's Medicare page explores the projected savings vs. costs of changing the eligibility age of Medicare.
Finally, what are some of the characteristics of those who have Medicare supplements rather than Medicare Advantage? Med supp holders are more likely to be: white, more prosperous and more healthy.
Y'all come on over and join us, everyone!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A recent survey of health system CFOs revealed that it is becoming even more difficult to collect reimbursement payments due from patients insured by Medicare Advantage plans.
Wikipedia page "Medicare" explores several ideas for procedures that might reduce the burden Medicare places on the US treasury. One of the theories is called the "Premium Support" model.
Enjoy a list of four things to know about drug plan changes in 2025.
Finally, if your agent fails to do a thorough search of all drug plans available to you, the out-of-pocket cost might just be shocking!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Jones family trips had plenty of room for improvement!
Headline encountered in the Medicare Advantage Minute:
MA Plans Propose Cuts While Continuing to Maximize Overpayments!
The Wikipedia page for Medicare details some of the changes in the program wrought by Obamacare.
Tom wrote to ask if there would be an MLM 2025 edition. When he was assured there would be, he decided to spend his time listening to podcast episodes until that book hits the store shelves.
Finally, large pharmacy chains are having profitability problems and will likely shrink the number of stores in their brands.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
After a short time in MA, almost all of those desiring to escape to Medicare with a supplement must show evidence of good health.
If they cannot satisfy the underwriters, they cannot enjoy the freedom of traditional Medicare with a supplement.
An esteemed client in Colorado insisted on purchasing Plan G when I advised him to opt for HDG. His Plan G started at around $157 but here he is later at $210 looking at a 15% rate increase next month.
If he had HDG there would have been no rate increase at all. Told ya so!
Finally, tragedy strikes a new Jersey town, filling local residents with sadness & grief: the Dominick Reginas are pulling up stakes and heading south to Georgia.
In the Wikipedia listing for Medicare we learn more about the burdens Obamacare has placed on the government health insurance plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If your agent doesn't perform a scientific search for the best Part D drug plan for you, don't believe his recommendations!
Wellcare plan cost $0 while a Humana plan cost $1,760!
Same guy, same generic drug, same little town in Missouri produced dramatically different results:
In the Medicare Advantage Minute, some insurance companies say they are "shrugging off the headwinds" of the current MA turmoil that has the big firms dropping hundreds of thousands of current clients!
Wikipedia page "Medicare" discusses the ACA (Obamacare) in very sterile terms.
How are injections covered under Medicare?
Finally, the story of two new MLM clients:
One is a renowned Medical doctor whose MA plan refused his prior authorization request then booted him out.
The other wonders whether her husband should stay on her employer plan or should he get the boot?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage Minute we learn about a survey: 50% do not know the difference between original Medicare and MA plans.
Wikipedia page on "Medicare" addresses legislation and reforms.
Next we present a couple of sad stories illustrating the fact that, while the VA can be a valuable health resource, veterans should not avoid enrolling in Medicare and a supplement.
Finally, one political party is attempting to spend $20 billion in an effort to dodge the ire of Medicare participants as their misguided edicts dramatically increase the pressure on drug plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute article: Changing to a Medicate Advantage plan can be stressful!
Medicare Wikipedia page: Hospital accreditation and where the cost of residency training comes from.
Finally, enjoy some interesting correspondence and questions submitted by prospects and actual clients.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The entire episode is a discussion of the process for selecting the best Part D prescription drug plan (PDP) for you.
Master this skill without any annoying insurance agents pestering you.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute consists of an article decrying the increase in prior authorization denials. Of 46 million prior authorization requests, over 3 million (7+%) were denied in 2022.
"Medicare" on the Wikipedia page discusses criticisms of Medicare and the principles behind having participants of various ages contribute to the cost of the program.
Finally several clients write in with questions related to drug plans and Medicare supplement plans offering discount gym memberships.
Spoiler alert: the gym membership deal through an AARP sponsored plan did not work out so well!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: Prior authorization denials have been more numerous in recent years. Only 10% of those denials are formally appealed but of that number, 83% are reversed.
According to Wikipedia, only 5% of Medicare claims are audited so there is plenty of opportunity for fraud, waste and abuse.
Finally, Bob from Arizona will be turning 65 and enrolling in Medicare in about six months. He had many questions about the procedure. These were clearly stated and almost seemed designed to make yours truly look like an intellectual giant!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: Prior authorization requests are increasing and so are denials. For those with the moxie to file official appeals, the success rate approaches 83%!
Wikipedia "Medicare" page: More on funding projections. Actuaries find it impossible to predict future solvency without the assumption that current laws will be followed.
How does one decide whether Medicare is better than the company plan? Look at contribution vs. premium cost, match deductible and cost sharing and finally consider drug coverage.
Finally, an article from AMAC: Understanding Medicare coverage; what is and is not included.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We begin this episode with advice about staying safe while planting a lip lock on the Blarney Stone.
In the Medicare Advantage Minute article, we learn that giant MA purveyor Aetna has had three downward earnings projection adjustments lately. This has cost the CEO his job.
In the Medicare Wikipedia page, the Feds spend a lot of time projecting the solvency or insolvency of Medicare.
Finally, Toni King fields a question from a liver transplant candidate: how will Medicare pay for the necessary home care post surgery?
Toni's answer: they will pay nothing.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Our Medicare Advantage Minute article details the split between Health Partners and United Healthcare. This will affect 30,000patients of Health Partners.
For even more excitement, listen to our entry on the Wikipedia page about Medicare: Indicators, Long Term Financial Status of Medicare!
There is a list of the new stages in Part D drug plans. They are still bragging about getting rid of the "Donut Hole" and forcing the plans to eat more of the cost of expensive drugs. Gee, what do you suppose will happen to plan premiums?
On a lighter note, we list the 10 best and 10 worst cities in which to retire as well as the "hardest working states".
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Medicare Advantage Minute: Two MA behemoths are cutting back in 2025; which insurers will benefit?
Communist government health programs like Medicare can only deal with increasing cost of care in two ways: increasing taxes and rationing care.
MLM podcast guest Clarence Cramer was smart enough to hang up on fraudsters: Medicare will never call you on the telephone!
Changing from an employer plan to Part D of Medicare is likely to reveal a difference in your drug benefits.
A new client asks whether there is any hope in rescuing her partner from his unsatisfactory MA plan. We give her encouraging news!
Finally, a correspondent asks a series of very excellent questions about Medicare & Medicare advantage. I should start a Q & A for the next edition: MLM 2025!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute announces: Seven insurers are exiting MA markets in 2025.
Wikipedia page on Medicare: a comparison with private insurance.
Health systems get ready: here comes the Silver Tsunami!
Many of the most popular Part D drug plans have stopped paying commissions to sales agents. Consult "Medicare for the Lazy Man" for simple DIY instructions to select the best part D plan for you.
Finally, an article announcing that Medicare supplement is positioned for growth in the future.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: Star ratings will be recalculated, resulting in payment adjustments of hundreds of millions of dollars.
Wikipedia page on Medicare: comparison with private insurance.
Finally, Joan writes in asking how to remove herself from the hated Medicaid welfare plan she has become mired in. She wants to re-enroll in original Medicare with a beloved supplement plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Limp wristed pantywaists horrified at summer heat in the desert southwest! Also, fatal heart attacks are more likely in cold weather.
Politicos are trying to reform the prior authorization process in order to ease the strain on providers and reduce complaints about Medicare Advantage plans.
Did your parent(s) have Alzheimer's disease? Does that mean that you are likely to get it?
Finally, new Medicare rules may allow 3.6 million to become eligible for Wegovy. According to one expert, the impact on Medicare "could be horrendous"!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute article for today: Millions on Humana MA plans could see benefits cut. They are ending plans in some areas while cutting benefits in others.
The Medicare page on Wikipedia describes some enrollment processes.
Finally, correspondence from a prospective client carries questions about Medicare supplement characteristics, particularly in North Carolina.
Additional questions spark a review of the cost and availability of vaccines.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Our Medicare Advantage Minute illustrates a trend responsible for much of the dramatic growth of Advantage plans: Large companies refusing promised retiree benefits if the retiree elects original Medicare rather than a Medicare Advantage plan.
Florida: Let's do the Medicare supplement math: Illustrating the potential savings and very limited additional risk of choosing HDG over Plan G.
The premium savings will defray most, if not all, of the Medicare deductible and coinsurance.
Finally, Medicare supplement (Medigap) plans may be changed any time of the year. Some states make it easier than others.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A contract dispute has caused the removal of MD Anderson from BC/BS TX Medicare Advantage networks. This will be a problem for their member patients who relied on Anderson for their treatment.
This sad upheaval couldn't happen with Medicare and a Medicare supplement!
The Medicare Advantage Minute quotes an article illustrating the areas of the US where millions could lose their MA plans.
From the Medicare Wikipedia page we learn about office medication reimbursement.
Wellcare is ending MA coverage for their clients in six states.
Finally, correspondence from two prospective clients with questions about their unique situations.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The article addressed in our Medicare Minute is entitled, "Need a Medicare Advantage Plan?" It goes on to describe the results of a study illustrating the fact that residents of poor counties have difficulty getting highly rated MA plans.
The Medicare Wikipedia page describes how medical doctors are reimbursed for their services depending on their legal relationship with Medicare.
Finally, we hear the sad stories of two members of MA plans that sorely regret having missed their opportunities to get out when the getting was good!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The initial segment contains our Medicare Advantage Minute. Here, the government brings a premature end to their experimental MA hospice benefit.
On the Wikipedia page regarding Medicare, we wallow in the actuarial magic of reimbursement calculations.
This episode culminates with the official position statement of Medicare for the Lazy Man when it comes to Medicare supplement Plan N.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The episode starts of with the Medicare Advantage Minute segment, an article entitled:
A Majority of Medicare Advantage Enrollees Don't Fully Understand Their Plans!
Afterword, my friend Randy Norris describes the trials and tribulations of enduring a course of treatment for what has been described as an "off the charts" problem with sleep apnea.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We kick off this episode with our favorite segment: The Medicare Advantage Minute.
Today's article is entitled: The Medicare Advantage Paradox; How Advantage Plans Cost Taxpayers Billions!
After that, close personal friend and avid MLM podcast listener Kirk "Fish" Fisher takes the stand for an intense interrogation about his career, his life and his possible visit to Arizona.
If you would like to share a comment or ask Mr. Fisher a question, send an e-mail to the address below.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In the Medicare Advantage minute, we learn that Centene in 2025 will exit a handful of markets where they currently have MA plans.
Wikipedia page on "Medicare" explains the reimbursement for Part A services.
Finally, in what is looking like a year of turmoil and change, what you should expect to learn from your Annual Notice Of Change (ANOC).
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Once again, Medicare supplements explained in 3 short minutes:
https://youtu.be/fJhZt5RHiMs
The Medicare Advantage Minute - comes in like a lion, goes out like a little sissy. Sorry folks!
The Wikipedia page on Medicare is an exciting lesson on payment for services and drug plans, according to my notes.
Finally, a dire prediction for Part D drug plans in view of turmoil expected to be caused by government price-setting schemes. A quote: Things will only get tougher for Part D.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
How do they know? Because the insurance company reporting the diagnosis (like diabetic cataracts) rarely ever treats that disease.
Walgreen's is apparently preparing to say "good-bye" to Village MD.
Are you an MD? Learn the 15 best and 15 worst states in which to practice medicine.
Finally, learn how Medicare is treating GLP-1 drugs for those with diabetes and in need of weight reduction.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage may be radically altered if a proposed new law passes. Prior Authorization will be required for Prior Authorizations! Gee, what genius came up with this plan?
New business rates are creeping higher in these inflationary times. Rate increases for the rich plan are hitting insureds harder than those for the High Deductible plans that MLM recommends for almost everyone!
On the Wikipedia page for Medicare we learn about deductibles and coinsurance for Parts A & B.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
They think the problem involving prior authorizations can be fixed with legislation. So the evil MA trolls won't find another way to use their enslaved members to extract more cash from the US Treasury?
On the Wikipedia page about Medicare, we learn about out-of-pocket costs: deductibles, co-pays, co-insurance and IRMAA.
Correspondence with clients and prospects, such as Patricia who may have been tricked into a MA plan without her knowledge or consent.
Thomas fell 30 feet off a roof and has been in SSDI. MLM was able to enroll him in Plan A in his home state of Virginia. Howard was hoping that we post our MA articles on a bulletin board somewhere. Finally, Frank is not so sure he wants to enroll in an HDG plan in spite of the very low premium. I think Frank is overlooking the long-term HDG advantages!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The Association of Mature American Citizens (AMAC) takes exactly the wrong position when it comes to supporting freedoms for Medicare participants. C'mon guys, wise up! "Managed care" is not what freedom-loving men and women long for in their health insurance!
In the MA Minute, one hour nurse visits to members' homes result in a $15 billion windfall for Medicare Advantage insurance companies.
On the Wikipedia page about Medicare we read about Part D prescription drug plans.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare payment options allow some flexibility in meeting this "must do" financial obligation. The only way to dodge it is Medicaid: welfare.
Thomas, accident victim in his late 50s, is able to purchase a Medicare supplement plan because his state mandates that right. We list all the states with similar regulations.
Finally, One big MA carrier is removing its Medicare Advantage plans from six states while MA enrollment is reported to have dropped in seven other states. What gives?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Not a new story but one that bears repeating. This is one of many warnings that responsible insurance pros should share with clients.
From the "Medicare" page on Wikipedia we learn about how the hospital and nursing facility benefits are renewed after a period without the need for treatment.
Medicare supplement rate increases follow the pattern: in some places 20% increases for Plan G but 0% for HDG. Result? The smart HDG buyer saves more and risks even less.
Finally, valued client Bob is approaching his first year with United American's High Deductible Plan G. Does he need to consider alternatives that might be an improvement? Not "NO", but HELL NO!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Additionally, providers are having to write off 8.5% of patient revenue from MA members as uncollectible.
From the Medicare Wikipedia page: how you qualify for free-of-charge Part A of Medicare. What happens to hospitals with high readmission rates? Ouch!
Finally, the sad story of a patient in Bullhead City, AZ who was hauled off to the hospital and eventually died. His daughter was disgusted by the bureaucracy his Medicare Advantage insurance carrier subjected her to when she tried to have him moved to Utah to be near his family.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
When a hospital and Medicare advantage plan part ways, insurance plan members have to look for new docs elsewhere. One woman was forced to scramble to find four new docs and specialists.
Are insurance companies keeping secrets? An actuarial reporting firm is asking subscribers to rat out MA plans who intend to exit or reduce their "footprint" in a given area.
Humana & CVS have announced plans to seriously downgrade their offerings with Humana loosing "a few hundred thousand" members.
Conclusion: "Boom times for Medicare Advantage appear to be in the rear view (mirror)."
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
It can diagnose like no previous test. Can it cure? Nope, no cure yet.
Your Federal Government is auditing, setting stiff penalties for fraudulent MA charges...but tells the thieves they can just keep the cash!
More exciting prose from the Wikipedia page on "Medicare".
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Every so often a client 'fesses up and says they should have listened more carefully to my advice. Today we hear from Michael.....!
Also, we enjoy correspondence with a couple of other clients, including Marvin who was helping his 88 year-old-neighbor get away from his Medicare Advantage plan.
Also, a woman who is working to become a Medicare agent writes in to ask for advice.
During our MA minute, the headline reads:
Hospitals are dropping Medicare Advantage left and right!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Also, on our Medicare Advantage minute: Anthem Blue Cross is engaged in a dispute that could penalize hundreds of thousands!
We revisit the Medicare Wikipedia page with a description of the historical development of this massive government program.
Finally, a survey: What do people on Medicare think about Medicare?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Pharmacists warn of big trouble in the prescription drug supply process if the Administration's plans are instituted.
Article for our Medicare Advantage minute shows that enemies of MA plans are worlds apart when it comes to supporting freedom!
"Demystifying Medicare" drastically understates the critical importance of Medicare supplements!
Finally, Wikipedia must love Medicare because when printed out a whole tree has been sacrificed!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A large insurance firm says their agents are performing unauthorized enrollments and plan switches to enrich themselves to the detriment of their unsuspecting clientele.
In our Medicare Advantage Minute we hear the majority of providers say that frustrations caused by prior authorization demands are growing.
How about a new problem to watch out for? The US Postal Inspection Service is warning about "Brushing Scams". Who knew?
Finally, a few more paragraphs from the massive Wikipedia page for "Medicare".
This would make a great series of bedtime stories for the grandchildren!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
That is our selection for today's Medicare Advantage Minute.
Also, I plug my friend's new book of non-woke wisdom and witticisms: "How It Used to Be"!
Finally, a person under age 65 in Virginia with Medicare is only able to purchase Medicare Supplement Plan A. Since I have a client in that position, and he asked for details, we list the differences between Plan A and Plans G & HDG.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In every episode we celebrate a "Medicare Advantage Minute" by sharing a short article or parts of a longer article.
Today's selection: Health Providers Irked at the Behavior of Medicare Advantage Plans; Some Refuse to Take Them!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare Advantage Minute: members find "challenges" with their MA plans all too frequently.
A long-time client worries that her new annual HDF premium is out of line; I was able to reassure her.
Another client needed a reminder about how his HDG plan works with claims that he incurs. His response: "Good information"!
Finally, a tutorial on hospice benefits provided by Part A of Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Not just the denials but also the deliberate foot dragging and payment delays are causing cash flow problems for those who can least afford them!
Surprise, surprise! Sales commissions on Advantage plans are being increased again! ...almost 20%....
Finally, the cost of medications is causing patients to face difficult decisions. Will the government's plans to reduce drug prices cause more problems than it solves?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Early in the episode is a report on the evil doings of Medicare Advantage plans, straight from the Inspector General of the Department of Health & Human Services.
Then we have some correspondence with clients, friends and others.
Finally, we peruse a list of the best hospitals plus the best cancer treatment centers in America.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If the government has it's way, docks will lose 2.9% of their current reimbursements.
Also, Medicare drug plans are planning to slash coverage. This will affect EVERYBODY.
Finally, prepare to hear more and more about how evil it is to make people work in the heat. What are they going to whine and cry about when winter returns?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medical costs were lower and more affordable before the heavy hand of government created a perpetual drain on US prosperity.
It should never have been approved and it should be pared down before it does even more damage to our economy.
Also, Enjoy correspondence with clients. One states, " You were right...".
Another has several meaty questions about selecting the best Medicare supplements for her and her husband.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If you purchase HDG, historical trends suggest that your premium savings will grow larger and faster in the coming years!
How does Medicare treat claims for your colonoscopy?
Finally, our MA Minute features the article: Medicare Advantage - a $104 billion scam!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The "Trap" is sprung when a disappointed Medicare Advantage victim tries to escape to Medicare Parts A & B.
Eventually, it is determined they can't qualify for a Medicare supplement to complete their health insurance protection.
Also, a major Medicare Advantage carrier will not pay bonuses for agents to pester their clients to fill out HRAs (Health Risk Assessments) anymore.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A new Medicare participant has one critical choice to make: Advantage plan or supplement plan? The Medicare supplement wins, hands down!
Also, research has exposed some fundamental differences in the characteristics of those who select Advantage plans vs. those who purchase supplement plans.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The government has been conducting "secret" audits of Medicare Advantage plans to measure the amount of overpayments siphoning off your tax dollars.
Finally, test your knowledge of basic Medicare facts as we run through a quiz of 12 frequently asked Medicare questions.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If you need a transplant and want to have a say in your surgical team plus your recovery facility, you had better avoid a "Managed Care" plan like Medicare advantage!
.Find out how much a house call cost my father-in-law (and my parents) back in the last millennium.
A chart purporting to show the average cost of a day in a hospital in each state actually shows three: for profit, non-profit and government owned. The rates are all over the place!
Finally, how does Medicare cover your podiatry needs?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Gee, how surprising is that?
Also, a very nice non-client wonders whether she and hubby were granted a deserved "12% Household Discount" from their Medicare supplement company.
Finally, a new client credits my book plus Suze Orman's Podcast for her "Kick Butt" Medicare knowledge. Just a few questions remain to be answered...
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
How about a clash of the Titans? Omaha's own Warren Buffet was gifted a McDonald's Gold Card, good for a lifetime of free eats at any McDonald's in his home town. In contrast, Bill Gate's Gold Card is good anywhere in the world!
Amazon is expanding it's $5 monthly pharmacy benefit with a limited formulary. It won't beat this year's most popular Part D plan, priced at 50 cents or less per month.
Finally, a client was receiving monthly bills he mistook for a "no drug plan penalty". Turns out he had fallen victim to the dreaded IRMAA success penalty.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Reading the smoke signals, it's starting to look like increasing costs and decreasing benefits will be on the MA menu for next year. Keep an eye on Humana and CVS.
Inflation watch: Fierce Health says that many hospitals are operating in the red in spite of higher revenue.
Finally, graphic proof that my recommendation of High Deductible Plan G has a payoff. Humana Medicare supplement rate increases 11+% on Plans G & N. Increase on HDG? 7.5%.
HDG gives the most bang for your bucks!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Your government has spent considerable time and resources devising games to use as training tools for those working with Medicare.
The least you can do is pretend to enjoy the fruits of their labors!
Also, we haven't forgotten about the Medicare Advantage Minute!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
In each episode there will be a short piece describing a noteworthy element of the MA world.
As I always say, a Medicare Advantage plan is just fine until one actually needs to use it!
Medicare Supplement Plan G shows a trend toward higher rate increases while an example of a High Deductible plan G increase is about $1 per month for one particular company in one state..
Also enjoy some Q & A as well as correspondence from a regular listener reminding me of a promise to take a closer look at sleep apnea treatment.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
It always ends with your lawyer making sure your wishes are legal and properly communicated.
How does one get started? Look for and download the simple but thorough questionnaire we describe in order to get things rolling in a painless and organized way.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Correspondence with clients;
They come up with some of the darndest things!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Abrupt exit leaves 30,000 members scrambling to find new insurance next year. The smart ones will take advantage of Guaranteed Issue Rights and purchase Medicare Supplement plans!
BC/BS of Illinois abruptly stops paying commissions on 3 Medicare Advantage plans in three of their five state BC/BC companies. What gives?
Finally, we list eight things someone thinks you should know about the IRMAA penalty.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
This is my favorite part of the job!
Medicare is a complex set of circumstances no one source can anticipate all of the questions that will occur to those who enroll.
Curious and thoughtful clients often come up with a wide range of questions; loose ends that are best neatly tied up at the conclusion or our business together.
This is my favorite part of the job!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Enjoy the fun as I quiz Randy on these basic Medicare facts and then neglect to keep score!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The world of MA plans appears to be entering a period of turmoil and pressure for change from outside sources. Will they be able to maintain the level of growth they have been enjoying in recent years?
Also, new client Dean speaks very highly of the affordable and high quality state of health care in Panama!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Check out the average earnings of 40 medical specialties.
Do they really earn their compensation? Should that compensation be even more substantial?
First, find out why Trinity Health has taken a stand against insurance giant UnitedHealth in a fight for their financial survival.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
A highly respected Medicare expert stops short of guiding his client to the best, most money-saving plan available.
Also, check out the many absolutely free preventive services offered to women under Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Great news: the dopes promoting Calcare, Canadian style single payor plan in California have had their posteriors handed to them!
How about those anti-aging drugs they wanted to give to little kids?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future
The growth in Medicare Advantage enrollment is in large part due to retirees who have been promised lifetime medical insurance being forced into MA plans; sometime against their wishes!
Do you in an insurance agency with 15 warm bodies hanging around? If so, get ready for your new, government mandated non-discrimination czar!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future
MA carriers are bracing for tough times; CVS says it is willing to say good-bye to 10% of their members.
A basic primer: What does Medicare NOT cover?
This includes a note about MA plans accused of denying medically necessary treatment for patients that would be treated without question under original Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
MA plans are preparing to undergo financial stress in coming years. This may cause them to cut back on the extra benefits some of them include.
One carrier was cited as choosing "(profit) margins over (adding) membership"!
Enterprising insurance agents in Utah may have devised a clever way to excuse rate increases to their clients: blame them on the state!
Finally, learn about "Care Management Services", possibly coming to a doctor near you.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
RSV stands for "Respiratory Syncytial Virus". We wade into a description of the disease plus some information about the vaccines.
Finally, what American sport draws its players and fans from the older ages than any other? PICKLEBALL!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
According to our first article, Plan F is Changing from a Cadillac into a Yugo! The prognosis is even worse with many large rate increases just ahead.
A widowed acquaintance asked me for help just days after her husband (my old friend) suffered an untimely death. Instead of taking my advice, she ignored my warnings and allowed herself to be victimized by an unscrupulous agent seeking a fat commission for a new sale.
Finally, I summarize the blatant facts illustrated by a series of charts: inflation has caused Medicare Supplement premiums to rise more quickly in recent years. On the other hand, premiums for High Deductible Medicare Supplement plans have enjoyed much more rate stability in spite of the poor economy.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
As an example, Humana is planning to terminate plans in some areas, citing the fact that rising costs are squeezing profits.
Question: can an employer force an employee of it's plan and on to Medicare?
Walmart decides to close all of its 51 medical clinics.
Finally, we review the mental health benefits offered by Medicare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We list six signs that indicate the imminent need for hiring home health care aides. After that list, consulting the "What's covered" app tells us whether and to what extent these services are covered by Medicare.
Also, learn about three big changes coming to Medicare in 2025!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
We have some fun answering a listener question about physical examinations with the help of the "What's Covered" iPhone app.
Get your Crayons & construction paper ready to take notes: we list 13 of somebody's idea of the best retirement podcasts.
Finally, the definition of "old age" moves from 71 up to 74. Damn, I'm still a loser!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
One of the concerns with AI is that it will replace caring medical professionals.
A visitor to the website used the (soon to be removed) chat feature to ask if his state allows insurance companies to off High Deductible Plan G.. One problem: I have no idea where he or she lives!
Finally, nationwide troubles with Medicare Advantage plans have caused corporate giant CVS to fail to meet revenue projections. Stock price has dropped drastically.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Long term stays in skilled nursing facilities: what happens when Medicare payments peter out?
One course of action is to appeal to Medicare for relief from the payment denial. We list the steps in the appeals process.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Also, a medical expert expresses his opinion on the value of colorectal screening for older people.
ESRD: end stage renal disease, finally accepted by MA plans although Medicare has a bunch of special rules surrounding the transplant process.
Benefit changes, acquisitions and divestitures; do we see turmoil coming in the near future for Advantage plans.
We wrap up with tales of shooting wild game in the Orange County jungles of Disneyland before Walt's legacy turned into a bunch of woke snowflakes crybabies.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The hospital CEO reports layoffs and financial stress caused by "delayed and denied payments" due from Medicare Advantage plans.
Also, Sen. Rand Paul reports that AARP is a fraud, working against the wishes of up to 85% of members in order to continue reaping wealth from their unholy alliance with United Healthcare.
Finally, many large medical providers have started to charge fees to patients who want to communicate via e-mail.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
GPT: Generative Pre-trained Transformer - A person called Medicare Dana from Austin, TX questioned Chat GPT about how old farts feel about things nowadays.
We hold an extensive discussion as to how this "tool" is usurping trained human experts and possibly being used as a money-saving shortcut by medical practitioners; sometimes with fatal results!
Also, Medicare Supplement rates are increasing in response to the extraordinary inflationary pressures the current mis-managers of the economy have caused.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Government crackdown on MA crooks causes inconvenience for ethical agents, too!
Efforts to improve the outcomes in prior authorization denials will be concentrated on poor people only. It is almost as though these disgusting Medicare Advantage practices never affect middle class or wealthy victims.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
If you have trouble motivating yourself to undergo an eye examination, buy some reasonably priced VSP vision insurance from me! This will remove the financial impediment to regular vision care.
Also, Wellcare is terminating its contract with Comprehensive Cancer Centers of Nevada. I hope their members don't have need of this specialized level of treatment!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
All tests, procedures & items are arranged alphabetically for maximum entertainment value!
Also, the burden of getting medical care can exhaust older patients!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Opinions conflict on whether there is value in knowing about amyloid deposits are being formed in our brains, but the test is available for you to purchase.
Also, we go through the methods of funding the need for long term care.
Finally, the Medicare Advantage world is all a-twitter about the possibility of base pay being capped and agent compensation being cut!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Stock prices have tumbled amid much wailing and gnashing of teeth, These plans are contemplating raising premiums and cutting benefits in order to maintain profitability.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Accountants know that every penny should be accounted for in any transaction. Trying to do that in Medicare just might drive you over the edge!
Also, what should you do about Medicare and Social Security when you move?
Finally, good news for United Healthcare Medicare Advantage members in North Carolina... for the time being!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Medicare, Social Security and other welfare programs will continue without interruption if there is a federal government shutdown.
Humana has been accused of using an AI platform with a 90% error rate to deny care to patients who died as a result.
We discovered a Medicare MSA plan in Wisconsin!
Finally, get ready for Medicare Advantage cuts to take effect in 2025!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Turns out using faulty AI platforms for treatment decisions results in accelerated deaths and expensive legal action at some of the biggest Medicare Advantage plans!
Also, what has been learned from the activity during AEP 2023?
Finally, what is the difference between phishing and smishing?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Also, many doctors are touting their new concierge physician practices! The fees you pay to join will be in addition to any insurance payments.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Under Medicare we are given:
1) A one time "Welcome to Medicare" visit to plan future preventive care
2) Annual Medicare wellness visits to keep one on track.
Also, a shortage of primary care docs plus Medicare AAdvantage prior authorization rules create undue delays in getting medical care.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
More and more Medicare Advantage plans are severing relationships with hospitals (and doctors) in their networks.
This leaves thousands of patients scrambling to find new providers and to escape from their draconian Advantage plans.
Finally, listen to my reading of a hit piece from Rolling Stone; at least until I became sickened by the false accusations these Lefties would have you believe.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
I may never enjoy Jell-O again! What the heck is Ejiao?
Enjoy hearing from some happy clients who are no longer being abused by their evil Medicare Advantage plans, thanks to yours truly!
Finally, join us in celebrating "National Doctors With Their Hands Out" Day!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Most insurance brokers won't spill the beans but a Birthday Rule allows one to move to the most cost-effective plan: High Deductible Plan G.
No proof of good health required!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Listen to the list of medical facilities that refuse to accept patients who are insured by at least some of the Advantage plans available to them.
Also, we share a list of the top five problems with living in "active adult" developments.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
The passage of time causes Plan G rate increases. High Deductible Plan G then becomes more and more desirable as the best Medicare supplement ever!
Also, keep your eyes open for the passage of "Medicare Supplement Birthday Rules" in your state. These can present a great moneysaving opportunity for those who are covered by supplement plans.
Medicare misinformation appears often. In the examples cited, sweeping generalizations contain error-filled statements.
Finally, do you have cataracts? How will Medicare cover those charges?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Also, learn about three very rare Medicare Advantage plans you just might like:
1) HMO-POS (Health Maintenance Organization - Point Of Service)
2) PFFS (Private Fee-For-Service)
3) Medicare MSA (Medical Savings Account)
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Also, enjoy a taste of early Cave Creek history!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Take a deep dive with us into the fantastic Pontiac GTO of Medicare supplement plans: the High Deductible Plan G (HDG).
This plan has big savings, limited risk and low, low cost.
HDG is the most cost effective Medicare supplement one can buy!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Some Medicare Advantage networks are losing their hospitals and docs.
Two of the largest Medicare Advantage insurers lost money and stock value.
The Feds are threatening to claw back $88 billion in MA overpayments!
Some sources say there was overpayment in the trillions of dollars.
A study has shown that Medicare Advantage participants get fewer home health visits than those in original Medicare.
Those who are disgusted with their Medicare Advantage plans often feel trapped because the opportunity to obtain a Medicare supplement requires evidence of good health.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com.
Randy goes green.
Should you be taking a daily aspirin as a preventative?
Also, another go-round with Long Term Care insurance; Should you consider buying
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com..
LTC actuaries speculate about the effect of interest rates and lapse rates.
Also, a nostalgic visit to Greasewood Flat, old time western bar in Scottsdale, Arizona.
Also, abject apologies to an unnamed State Farm insurance agency.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Need a couple of yuks? Try "PissedConsumer.com"!
Learn the Medicare Advantage prior authorization appeals process so you can be ready if they refuse to treat you.
Robert writes a columnist to learn why his COBRA coverage is only paying 20% of his huge medical bills.
Finally, does Medicare mail out invoices for Part B premiums for those not yet on Social Security?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
We list several ways to tell the difference between age related memory loss and the more serious and problematic Alzheimer's Disease.
A Tennessean was too cheap to pay for Part B of Medicare. The resulting invoice for an air ambulance trip created a burden for her survivors.
Finally, listen to seven things that Medicare does not cover.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
We discuss the major addition to the content of the 2024 book: a step-by-step description of the drug plan selection process.
Alsom enjoy some correspondence with clients and soon-to-be clients regarding false information of the "High Deductible" plans.
Finally, is it possible that a daily vitamin can improve memory?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Changing horses in midstream to grab a better Medicare supplement plan: here come the Birthday Rules!
Finally, why would a shingles vaccine cost $200? What does this have to do with not having a Part D drug plan?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Enjoy a lengthy, detailed comparison of Medicare supplement vs. Medicare Advantage plans.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The scammers are a very busy and inventive bunch; there are a whole lot of grifts out there!
Also, learn a handy way to reduce wallet/purse clutter by eliminating ID cards.
Question: Do doctors NOT like Medicare Advantage plans?
Finally, learn how a Minnesota firm wants you to choose a Medicare insurance broker!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, learn about four big myths about Medicare?
How about 11 costly Medicare mistakes you should avoid?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Part of the risk of overdose comes from the increasing use of compounding pharmacies!
Also, I read an article entitled,"Reining in Riches from Treating the Elderly".
Finally, HSA vs. Medicare: never the twain shall meet (according to the IRS)!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
More large clinics refusing to accept patients with MA insurance.
Also, a large hospital chain is preparing to leave BC/BS in DFW due to failing contract negotiations.
Finally, an opinion piece entitled: Medicare Advantage is a massive scam!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Kentucky is the latest state to provide an escape hatch for those otherwise trapped in a Medicare supplement that has gotten too expensive.
A potential client contacts me looking for a Medicare supplement. My competitor at State Farm tells him to "Flake off!".
Finally, inflation is upon us and the Medicare supplement new business rates are starting to climb!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Please ignore my error in constantly saying "month" rather than "year"!
Also, one advertiser strikes gold with a dedicated fan of Medicare for the Lazy Man Podcast!
Last (but never least), congrats to Magda & Drew McMillin on their latest addition to the family!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, if you are having trouble with your drug plan, here are some ways to file appeals.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
We are offered the opportunity to block advertising of "sensitive subjects" but take a pass. They must think we're a bunch of sissies!
Also, CMS vs FDA: who will decide which drugs should be covered by Medicare? ...and why?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Imagine having a big USB socket installed in your forehead to connect a cable from your skull to your desktop thinkin' box. Now picture the Elon Musk version of that contraption!
Also, a Medicare recipient should not ignore the need to enroll in a prescription drug plan - even if he takes no prescription meds.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If you play by government rules, you can get smacked down by them, too. It may be time to scrap the star rating quality bonus system.
Drug plan service efforts seem to be falling way short of expectations. Wellcare, one of the biggest, is also one of the most frustrating.
Finally, join me as I wade through an error-filled article purporting to offer expert Medicare advice to the newly eligible.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, what if you have left side chest pain? How do you know whether it is a heart attack and what the proper treatment is?
Finally, what should snowbirds do to ensure they have high quality medical care when traveling?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Turns out the results are mixed.
The benefits seem to depend on the nature of the games being played.
Also, enjoy yet another simplification of the calculation of the benefit of High Deductible Plan G!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Join me as I answer questions from several people, some clients some not, who want to ensure they don't make any errors with their Medicare health insurance protection.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Join us in examining a couple of articles that, in the fine print, admit they may be heavily influenced by advertisers.
Compare our Medicare FAQ answers with those of Forbes.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A sizable number of Medicare participants become trapped in plans that disappoint and fail to protect as well as Medicare with a supplement.
Stay away from Medicare Advantage plans at all costs!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A lighthearted test of Medicare knowledge pits two intellectual giants against each other!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Join us to hear an entertaining list of the most basic facts about Medicare!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Each Medicare for the Lazy Man book states "Making Medicare ALMOST fun since 2013". Now another marketing firm has glommed on to that fun-loving spirit.
Plagiarism? I sure don't want to think about that!
Finally, enjoy the detailed explanation of the advantage of High Deductible Plan G over regular Plan G as explained to a client who is about to take a leap off the window ledge!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The average wait for medically necessary treatment from a specialist in Canada stands at almost 28 weeks; over one year in some areas!
Also, California's plan to extend free medical care to 750,000 illegals is described, aptly, as "lunacy"!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, small rural hospitals are suffering financial duress at the hands of the evil Medicare Advantage plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Blue Cross/Blue Shield of Illinois is considering the $3-4 billion dollar acquisition of Cigna's Medicare Advantage while it uses "prior authorization" to pinch pennies by withholding pain treatment.
Also, client Larry grows increasingly distraught while asking his drug plan for cost estimates...until he learns that he has been repeatedly misinformed.
Finally, according to an article, Medicare Advantage PPO plans can "stick it to you" even after the fact!.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A short rendition of the journey from old, worn out knees to bright shiny new titanium replacements!
And jeepers, creepers, what about those peepers?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Part B (outpatient medical insurance) is the most frequently used part of Medicare for the vast majority of Americans. Beware: the enrollment door does not stand open waiting for you to enter!
Also, learn how to apply for Medicare if you do not have enough work credits on your own.
Finally, 2024 brings changes to Part D drug plans and to Part B enrollment regulations.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, we read one expert's opinions concerning Alzheimer's disease and other forms of dementia.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Listen here to learn how to spot misleading sales pitches and illegal practices both during the holidays and all year long.
Also, enjoy one man's opinion piece warning against falling into the Medicare Advantage traps, although he thinks the ultimate culprit is our beloved free enterprise system.
Needless to say, I disagree with his thesis but I welcome his efforts to slay the Medicare Advantage monsters!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
There are four important things to know about IRMAA. One of them is to appeal the imposition of the penalty by filing form SSA-44.
Unlike many Medicare Advantage plans, medicare will generously pay for a medically necessary 2nd opinion. Even a 3rd if the first two conflict.
Finally, learn how to determine the Medicare treatment of preventive and screening procedures.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Learn how to find the best facility for the needs of the new resident.
Also, "Dodging the Medicare enrollment deadline can be costly!"
Finally, from the archives of "Maximizing Medicare with Paul Sheldon", his list of six problems with Medicare Advantage plans.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
We discuss the nine most common errors that Medicare participants make. Fixing them is often easier said than done!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Only problem is that I did not get a copy of the actual answers to the quiz questions.
Also, how does Medicare cover injections given in the doctor's office?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
SB-770 has been passed and signed by enemies of freedom. Watch how they try to smeal lipstick on that pig!
Also, when following MLM instructions on picking the best drug plan for yourself, it is possible to dig deeper into the data for things like PA & QL: "prior authorization" and "quantity limits".
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Can you name the top ten causes of death? Together, they killed 75% of the fatalities in 2021.
Also, for a change of pace we dip our toes into the basics of Social Security.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Also, Ohioans insured by Medical Mutual came close to losing a major part of their provider network. Those trapped in Medicare Advantage plans would have had to search for new docs among the remainder.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Find out what part PBMs play in the pharmacy business and what effect one author thinks they play in squeezing out independent drug stores.
Hospice? How long can one participate before being ejected from the program?
Finally, enjoy a brisk quiz on the "Myths of Medicare"!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 out westportcharters.com for some excellent deep sea sport fishing aboard Hula Girl!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 goes away.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Also, enjoy a reading from the guide to Long Term Care Insurance.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
For a cheap or free Part D drug plan, call: (866) 859-9084 -OR-
go to: https://www.wellcare.com/(your state)
Are Part D drug plan premiums trending down? The government says "YES", independent study says "NO"!
Finally, 25% of US medical students say they want to throw in the towel on medical school. Sissies? You decide...
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Here is a Medicare Advantage tutorial that may help the unfortunate victim.
What are the various benefits AND limitations of the MA plan?
What is the MOOP (Maximum Out Of Pocket) limit you may be stuck with?
How can I convince you to leave me alone?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, take steps to thwart scammers targeting Medicare participants.
United Healthcare, the country's largest insurer, uses AI to limit treatment for recovering patients in order to fatten their already bulging bottom line.
Finally, Dominic Regina seeks to file a protest against his IRMAA penalty for a second, and possibly a third time!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Same questioner: How can a Part D prescription drug plan cost $ZERO?
Also, a husband went into cardiac arrest while running. Now wants to dump his Medicare Advantage plan. Sorry sir, you should have made that change before your heart attack!
Finally: Air Force Amy! Enough said.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, our buddy Steve uncovered the Medicare Advantage trial right: an escape hatch for victims of sleazy salesmen!
Client Jack learned from us how to use the government database to select the best drug plans for himself & the Mrs. You too can learn this valuable skill!
Finally, a very complimentary lady doctor named Logan learned a little about Medicare supplement plans - and then spun out of control into Left Field!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Patients' surgical recovery times limited in order to boost profits in UHC Medicare Advantage plans, according to whistleblowers.
The VA in eastern Colorado has been accused of discarding orders for medical devices rather than appear to be slow in doing their jobs.
At least one black VA employee was called a "monkey" with accompanying arm movements. Justified? Who can say?
How many unpleasant (natural) ways are there to lower your blood pressure?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Question: Is it possible that High Deductible Plan G is a good choice for a person with severe health problems?
Question: What are five important things to know about Medicare supplement plans?
Question: Age 65 and still working with company health insurance. Should I enroll in Medicare?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
In-studio guest Randy describes the symptoms he experienced leading up to the heart bypass surgery he underwent.
Also hear about the unexpected complication he suffered and the miraculous results he gained from enduring this harrowing experience.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Learn interesting details about the need for sleep and the effects of sleep deprivation.
Also, government bureaucrats contemplate reining in some of the most egregious excesses of those evil Medicare Advantage plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
"Deny, deny, deny" one hospital exec characterizes Advantage plans which are crippling rural hospitals in many states.
They often refuse to meet their contractual obligations.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A valued MLM client is being pummeled by frequent rate increases; However, there is hope on the horizon.
Finally, does someone pummel you for adding sugar to your hot beverages? Tell them to step off; this is not a health problem for you!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Plus: Eight steps to enroll in Medicare & an extensive Medicare Q & A.
How about some catfish noodling?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If you take no prescription meds or maybe only some cheapo generics, check out the WELLCARE VALUE SCRIPT prescription drug plan for 2024.
Call (866) 859-9084 to have some English-challenged foreigner enroll you over the telephone. Don't worry, the confusion and stupidity won't last forever!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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" increased on the HDG plans.
Finally, we are all getting older; exactly what is happening to us?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
An instructional monologue for the audience as well as our newest MLM staff member: the best plan is always the cheapest plan!
A critically important consideration for those on Medicare!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 better job of education?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Compare your symptoms- Covid vs. RSV vs. flu: which do you have?
Plus: heroic insurance agent shows 92-year-old lady in North Carolina how to save thousands each year with High Deductible Plan G!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
One bright spot: a woman's dire diagnosis makes her uninsurable...until the death of her insurance plan opens the door to a "Special Enrollment Period". Now she has an opportunity for the best Medicare insurance there is!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Also, 10 things to know about AEP plus additional AEP information.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Those MA peddlers are required to address every little detail on their lengthy lists. Otherwise, the Secret Shoppers will rat them out!
The Government watchdogs make it so difficult it is unlikely that any of these sales people are able to actually follow all of the rules.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
You, too, can become an expert in selecting the very best PDP (prescription drug plan) from all of those available in your area!
After listening to this episode you will be able to amaze and mystify your friends with the prestidigitation you have learned from Medicare for the Lazy Man!
Remember, the cheapest plan is always the best plan!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 choice most of us crave.
Also, Howard's father-in-law is a hospice patient. What should he do about his prescription drug plan?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Hard to believe but insurance companies can change your plan without asking your permission. ANOC is their sneaky way of announcing those changes!
Scan the ANOC carefully for: 1) Premium cost changes; 2) Formulary changes and 3) Anything else that looks suspicious.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Ever wonder about Medicare Supplement Plan N?
It falls between Plan G & my favorite Plan HDG.
Ever wondered why I don't sell or recommend MA plans? They can trap you just like a Roach Motel!
Finally, I spill the details of a deep secret in spite of specific government orders to the contrary!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The Savvy Senior offers up some hints for the frugal drug buyers out there.
Learn how to approach your favorite provider's staff to make sure your Medicare supplement will be accepted for payment.
Also, enjoy some correspondence from Brad who has a question about his mother-in-law!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
This is the time of year to find out whether your current drug plan will be the best one for you next year. (BTW, "best" = "cheapest")
Also, does Medicare cover Chiropractic treatments?
Finally, the 8 biggest Medicare myths debunked!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 number and falling under their evil spell!
Be wary of their promises and live by this adage:
Don't get Medicrap, get Medigap!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, myths and misconceptions about dementia.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Under some circumstances, those who are actively employed may postpone their encounter with Medicare.
Scam calls and fraudulent letters are increasing in frequency. Don't fall victim to them!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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?
Also, when sending a recorded greeting to space aliens, how many Earth languages should you employ?
Finally, how does Medicare cover the cost of therapy services?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Ask the hospital staff for a "MOON" form to determine whether the patient is actually admitted or just under "observation"!
Also, a new risk scoring method attempts to predict the onset of dementia with 80% accuracy.
Finally, some hospital chains (in blue states) are trotting out those stupid mask mandates again. Tell them "NO"!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
This news typifies the disappointment that Advantage plans dish out on a regular basis.
A day brightener: scientists study lots of Chinamen to identify six behaviors that can minimize the risks of acquiring dementia.
Finally, do you think we aren't enduring inflationary times? Check out the rising cost of caring for the elderly!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
HMO plans in Medicare Advantage: promise to drain the treasury and bankrupt the US medical system while robbing us of our freedom.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, I answer some questions posed by readers of Medicare for the Lazy Man 2023.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
What does each of these visits entail?
Will they screen for cognitive impairments?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Don't forget your "Welcome to Medicare Visit" and "Annual Wellness Visit", also free of charge!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, California warns the public that unscrupulous insurance agents are spreading false rumors about a state sponsored long term care program.
Are those rumors really false?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Your doctor's legal relationship with medicare affects how much of his bill you may be asked to pay.
Added attraction:
Listener Steve offers tactics he hopes will allow Medicare participants to dodge their IRMAA & lifetime late enrollment penalties!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
We will show you Medicare supplements from some of the most excellent companies in the business.
Then you will find proof positive that High Deductible Plan G is the most cost effective Medicare protection ever invented!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The CDC continues it's attacks on traditional English descriptions in the ongoing class warfare.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
What is "creditable" coverage and how can Wanda use that to avoid a lifetime PDP late enrollment penalty?
Finally, listen carefully as we lay out just a few of the rules governing the selection of Medicare effective dates.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, how long should you wear your new hearing aids each day?
What kind of shoes should you wear around the house?
How are we going to prevent the massive fraud the government allowed to go on during the covid panic?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 settlement funds wound up.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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?
Finally, what are the qualifications to have skilled nursing care paid for by Medicare?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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)!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: Has left town and is unavailable to grade this episode)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, a simple finger prick blood test could diagnose your Alzheimer's disease!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also: three documents aging Americans should never be without.
Finally, what are the dos and don'ts of going to the local Social Security office?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If one carefully weighs the pros & cons, the Medicare supplement plan is the clear winner.
It offers complete freedom of choice!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, it seems that a sizable percentage of Americans are skipping routine health screenings that often uncover potential problems.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Plus, Lynda writes a gentle but firm critique of certain elements of Medicare for the Lazy Man.
Finally, a report on rising cancer rates in the UK sparks some skin cancer talk.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 Alzheimer's drugs are on the verge of being released to the public and a columnist gives advice to a self-employed person about how to engage Medicare coverage to ensure protection from medical bills.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Are you wearing a face mask right now?If so, get out!
Also, have you thought about medical (or dental) tourism?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Medicare Advantage plans save employers cash but create "issues" for the participants.
Also, Q & A from an AMAC column and a recommendation for those who might have difficulty affording medical services and drugs:
NeedyMeds.org
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, what does a youngster take with him on his road to maturity?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 extravagant Obamacare costs.
Let's hope they fail!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, mental health hotlines remain silent in one state while the phones ring incessantly in another!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 without any pesky medical underwriting.
Also, will a Medicare participant be covered in Canada?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: AA++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Techniques used in the business world can make negotiations with recalcitrant parents much more pleasant and successful.
Also, four perks of becoming a part-time insurance agent.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Your doctor's clerk might say they won't accept your supplement for payment. What went wrong?
HIPPA causes my service efforts to be thwarted by Nervous Nellies!
Is it possible to predict a company's' future rate stability and level of customer service? (hint: NO!)
Ask me for a Med Supplement quote and you will receive a thorough multi-page report!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Another scintillating episode created for you at the Hampton Inn in St. Charles, Illinois.
Medicare content provided courtesy of Diane Ohmdahl.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 on the roads of America!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 sell have some limited protection against emergency medical expenses that occur when traveling abroad. Not all supplements do, so be careful!
Finally, did you miss your opportunity to steal billions of dollars in tax money? Don't worry, government idiots will probably come up with another complete waste of our money like the Great Grift of covid relief funds so you will be able to grab your share in the future!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 from the company and the insurance plan.
Also, three very complimentary readers share their thoughts about Medicare for the Lazy Man as well as posing questions about how best to interact with Medicare while still actively employed.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Other subjects discussed:
1) Does Medicare pay for prescription drugs?
2) What is the best way to select the best prescription drug plan for you? Why not just pay more for the "best" plan available?
3) Watch out for Medicare scam artists!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 ease the pain!
Also, what about Medicare deductibles?
Finally we read some answers to questions about shingles vaccinations and obtaining diabetic supplies.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, have you somehow failed to pay your Medicare premiums?
Are Medicare Advantage plans being populated by groups of retirees who are being forced to accept a rotten deal by their ex-employers?
Finally, in Georgia one may dress any way they wish when taking photos for ID cards or drivers licenses!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
250,000 New York City retirees are being forced into a Medicare Advantage plan that you, the taxpayers, are probably footing the bill for.
How may large groups is this happening to across the USA every day?
Also, do you have to renew your Medicare coverage each year?
Finally, how about a little comedic entertainment with your Medicare?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 forward in coddling self-absorbed snowflakes.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
Also, what happens to lawyers who play around with Artificial Intelligence at the office even though they shouldn't?
Finally, I encounter the most difficult Medicare question yet from the current series of 25 brain-strainers!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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".
Also, what happens if you "forgot" to enroll in Medicare when you should have?
Plus, Massachusetts residents have lousy Medicare Supplement choices available and listen for an expertly worded explanation of the financial advantages of High Deductible Plan G!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Also, we finally learn how those dopes at CMS came up with their misspelled acronym: blame the guy who mumbles!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
According to the reference material, there are four main reasons that PCPs are growing to resemble hens' teeth.
Also, here are four things you youngsters should do to prepare for Medicare when you have turned age 64.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 are clamping down on this great technological innovation!
Also, how much do you think the $64,000 prize would be worth today?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If only a small percentage of participants are prescribed the newest drugs, Medicare will be stuck paying billions of dollars each year.
Wegovy update: Apparently there is now an oral dose available to replace self-injections. Still a budget-buster?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
Also, big ups to Chris, an agent in Muskogee, OK who wants to use Medicare for the Lazy Man as a pattern for advising his clients!
Have you seen any nurses lately? Could you tell whether they were authentic or fakes?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Wegovy is effective but expensive and might cause rebound weight gain when consumption is ceased.
Also, has someone been sending you many, many unsolicited Covid test kits lately? That is likely a case of Medicare fraud.]
As if that weren't enough, get ready for another in our series of Stump the Insurance Guy Medicare questions!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 Question 1 of 25 in our new Medicare Q & A feature!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, are we making progress toward a victory over Parkinson's?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 the USA and the world?
Plus, we touch on a little of the Beach Boys' history, both good (Pet Sounds) and bad (the devastation wrought by Murray Wilson).
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Will AI advances change the forecast for future victims of prostate cancer?
Also, why is the central business district of Chicago known as "The Loop"?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Pancreatic cancer is a death sentence for 90% of its victims.
In a small but promising trial, a new vaccine procedure offers hope to slash the fatality rate and give patients a new lease on life!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Biden's Surgeon General has concocted another horrible disaster to justify his pathetic existence and that of the wasteful government bureaucracy he rules.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Two valued clients have their applications handled in unexpected and mysterious ways.
Fortunately, both emerge with the unmistakable aroma of fresh spring flowers!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Older employees are worried about their finances, and planning to continue working longer than intended.
An AHIP survey reports an increase in Medicare supplement sales. They promote Medicare Advantage plans so it must be true!
Work is being done to develop urine tests that will detect certain types of cancer. Metabolites in the urine will provide the markers.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Roy has a brand new shoulder, thanks to the Frenchies. Listen to him describe the whole process from misery to recovery.
Also listen to the joy in his voice as he sings the praises of his High Deductible, High Value Medicare supplement plan!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also do you have clients? Are they a source of joy or frustration?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A mish-mash of Medicare related data sharing, hacked ZOOM presentation and concern about taking baby steps toward Big Brother!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
Also, Cindy from Michigan writes to support what I have been screaming about: Medicare Advantage plans are not always in business to do the right things for their members
Finally,Medicare supplement members have different concerns than Advantage plan members.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Finally, some unvarnished truths shine through. What choices would an experienced medicare agent make for himself?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The vast majority of those covered by Medicare supplements are very satisfied with the benefits, services and charges covered by their Medicare supplement plans.
Also, he FBI and White House seem to be at odds over the source of the Coronavirus. Whoever wins, someone owes me an apology!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 for Medicare sales, BTW.
Also, the administration is pushing regulations that will prevent Medicare Advantage plans from denying claims that would normally be covered by original Medicare. We'll see...
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If you are interested in enrolling in a Medicare Advantage plan, prudence dictates that you perform due diligence in advance of pulling the trigger.
Also, Oklahoma BC/BS announces more contract turmoil with a provider in its Medicare Advantage networks.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 at rock bottom prices.
Better costs can sometimes be found at your local pharmacy and customer service seems to be lacking.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A whole new world is opening up for the hard of hearing: reduced regulations means reduced prices for over-the-counter hearing aids!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 are different than those for normal humans.
Also, Medical City Healthcare is back in the good graces of the Medicare Advantage networks of Texas BC/BS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Gain your independence from The Man, picking the best drug plan available in your area is a skill that will benefit you and amaze all of your friends!
Also, we stroll back through the history of Medicare for the Lazy Man!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, black patients feel the need to dress up and modify their speech for doctor appointments. Well Hell, so do I!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, some say that higher doses of magnesium will help people achieve better brain health.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, Tricare, health insurance program for the military and their dependents, is described.
The government has been blocked from enforcing vaccine mandates on Federal employees. Its about time!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
My vote is for virtual but there are important reasons in support of each choice.
Also, Medicare Advantage plans are being slammed for exorbitant executive salaries.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, enjoy brand new syntax rules created by a bunch of woke language Nazis called Oxfam!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Some MLM fans report in on their need for professional assistance in making the best Medicare choices.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
As it turns out, the methods used in one IntraCare hospital are unacceptable to Medicare authorities.
Chemical restraint, anyone?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
After that Medicare supplement (aka Medigap) review session, we enjoy a spirited trivia contest, courtesy of favorite listener, Dominick Regina!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Insurance companies must remain profitable so your rates will increase as time passes no matter what rating methodology they use.
This ignores, of course, the community rating travesty that is forced upon insurance companies in some states.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Apparently, 35 million members of Medicare Advantage plans made requests that fell under prior authorization in the year 2021. The accountants are in charge of the patients' medical care!
Also, we revisit the source of an electrifying phrase from history!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A financially successful woman thought she could do just fine without a Medicare supplement until she needed one. Then it was too late!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
What is the total amount you could pay out-of-pocket each year if you need extensive medical treatment while you have a Medicare Advantage plan? Probably a lot!!
Also, be aware that when I ask if your phone # accepts texts, it isn't because I want to bug you; only to let you know when I have sent something critical to you via e-mail and that you might want to check your spam folder if not found.
Additional fun: Forbes Medicare faqs!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Prostate troubles are covered by Medicare and a new blood test is offering enhanced cancer detection accuracy.
Also, I go through a list of some things that Medicare does NOT cover.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Robert's company is offering one year of health insurance after he retires. When it ends, he will likely be subjected to a LIFETIME late enrollment penalty for future Medicare premiums.
Also, here are tips to make your document photo look like an actual photocopy and I refute one bald-face lie perpetrated during the state of the Onion message.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Podcasters and wannabe guests do an elaborate mating dance and I document one week's worth of candidates to evaluate their entertainment potential.
Also, New York takes a giant step in the direction of granting freedom to its enslaved medical practitioners and Dr. Death has ended his medical career in the least desirable way possible.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, questions are raised by valued clients, valued listeners & readers and a reader of a columnist named Rusty.
Inconvenient fact for some: more than half of gun deaths are suicides. Gun confiscation will not prevent those deaths!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A source of new customers for the Medicare for the Lazy Man empire: the maximum security penal institutions of America!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, we briefly revisit Animal Farm for a comparison with BC/BS of Texas.
Conflicting predictions about future per-capita MA payments from the US Treasury: some say they will increase while others say they will be lower.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
...when these things are medically necessary.
For instance, no routine dental benefits under Medicare but if disease or an accidental injury damages your teeth, correction of your condition will be a covered expense.
Also, another rousing game of "Stump the Insurance Expert"!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
When you come to MedicareForTheLazy Man.com to get a Medicare supplement quote, you will not be asked to divulge any information not absolutely necessary to calculate a Medicare supplement quote.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
In their nefarious efforts to plunder the US Treasury, some Medicare Advantage plans have become a "Fungus Among Us" as the old song title goes. Our unlikely allies are valiantly keeping the struggle alive.
Also, Randy drops a huge bomb in his "Stump the Insurance Guy" segment.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Can early retirement portend dementia? The inscrutable Chinese know...
Did you ever wonder about the humble origins of a major American tech giant? In this episode we accidentally delve into the history of Southern Pacific Communications which became Sprint.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Annual Notice Of Change, that is.
If your premium payment is overdue but you try to use your drug plan anyway, someone with a fake name may be calling to chat with you.
Also, you can enjoy summer fun in the white stuff in western New Mexico.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Between upcoding and MCA reports, Medicare Advantage plans have many tools to relieve the US Treasury of loads of cash!
Also, when it comes to surgery, practice makes perfect: to ensure success, find a doc who does
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also we hear correspondence from other clients and would-be clients of Medicare for the Lazy Man!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, one client's expensive error:
failure to read her ANOC: Annual Notice of Change" to anticipate problems with her Part D drug plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, another description of the process of selecting the very best prescription drug plan for you!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, can telehealth help improve an overactive bladder? You might not think so, but...
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A "liquid biopsy study - seeking bits of tumor DNA - can predict which treatments are likely to be successful.
Also, a former insurance company exec regrets working to promote Medicare Advantage plans. MA fraud in this article is quoted at $11.4 billion in one year.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Buy HDG to save tons of money. If you want expensive medical treatment you can switch to Plan G, and then back again when you finish.
Even if you stay with the cheap plan and have treatment, you will be way ahead of the game!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
After Aduhelm crashed and burned, a new drug made the scene. Not a cure but a slowing of the initial symptoms for a few months. Progress, I guess.
Also, Fauci's mask Nazis at the CDC are pushing a gay curriculum on American school kids with a purple creation they call a "Gender Unicorn". Your tax dollars hard at work building a strong nation for our future!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Plan F rates are rising to outrageous heights! If you can answer a few health history questions in the negative, you can escape the high premiums and join my happy clients in the land of much less expensive Medicare protection.
Also, a new cancer vaccine shows early promise in melanoma patients!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also: more on:
1)Lying insurance agents 2) promoting telehealth availability 3) cleaning up Medicaid fraud 4) HSA for Medicare participants 5) whining from the Oklahoma City health department CEO.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Two articles purport to show that Whitey is plotting to cause air pollution and lethal sleep deprivation in minority populations.
On a lighter note we observe the 90th anniversary of construction commencing on the Golden Gate Bridge.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Surgery may sound like lots of fun and games.
However, it isn't always a day at the beach and you should interrogate the surgical staff in order to learn what to expect.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Should your insurance agent sell you the very best drug plan even if he does not make any commission on the sale?
I say "Yes!" but I may be in the minority. In this episode I reveal another victim, of a salesman who lied about the least expensive plan available.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Statistics say that 1 in 9 Americans over age 65 suffer from dementia. Theories exist that performing new activities will stave off the onset of Alzheimer's and other forms of dementia so doing things to stump oneself can pay off by preserving mental acuity.
Sorry, my personal experience does not support the accuracy of this theory.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
I search a government database to identify the least expensive prescription drug plan available for each of my clients.
If that plan happens to be Aetna's SilverScript SmartSaver Rx, it will pay the broker $0 in commissions. He may then lie to force you into a more expensive plan in order to make a few dollars.
Ask to see the printed results of his computerized search to be sure!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Money is what motivates professionals to excel at their chosen careers. I want the best doctors money can buy and I want them to be happy and highly motivated to fix me on the day they roll me into the OR.
Also, the poor tobacco regulators at the FDA are complaining about overwork and having trouble depriving the public of their right to vape!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Kind of makes me sorry I didn't go deaf!
Also, Alzheimer's patients speak out about their treatment, in their own words.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Medicare Medical Savings Accounts!
If you are healthy and risk-tolerant, this may be the Medicare plan for you.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, CMS (or CMMS?) allowed a subcontractor to fumble security and, as a result, will be issuing replacement Medicare cards and numbers to roughly 254,000 participants.
Listen for post-op updates on ailing friends of the podcast!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, is "CRISPR" the antidote of the future?
Genome modifications are being tried as a cure for Huntington's Disease.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, contract negotiations: Aetna vs. Community Healthcare System in Indiana.
Will Aetna's Medicare Advantage members have to find new providers?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also: MA plans use deceptive ads luring new members into plans that are totally inappropriate for them.
Thousands of retirees are being herded into Advantage plans by companies reneging on their promises to provide quality retiree health insurance.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, Mask Nazis are stirring and starting to plot more of their foul deeds. This will be a warning for freedom lovers everywhere to rise up and resist the evil doers!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Why do power-hungry officials want to punish patriots who refuse to take Coronavirus vaccines & boosters? Just because they can?
Good news in medical research: statins may decrease the risk of cerebral hemorrhage PLUS melanoma therapy using patient's own immune cells is showing promising results.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Watch out for the economic geniuses at work on your economy and your health care delivery system!
They have big plans to "negotiate prices" with drug manufacturers. Translation: they will dictate the prices that private companies are allowed to charge on the free market. This won't end well at all!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Companies try to force retirees into Medicare Advantage plans so the US Treasury will pay the cost instead of the employers.
Also, use form SSA-44 when appropriate to appeal IRMAA penalty.
New mask mandates coming your way? Over my dead body!!!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, it would appear that the Centers for Disease Control staff is still at home hiding under their beds from the Plandemic!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
MA plans save tons of money using two special tools:
Authorization and Utilization Review
In Canada this is called "Rationing Care" and you won't like it!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, some of the silliest Plandemic policies forced upon us by the jack-booted thugs during the covid panic.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Not enough for you yet?
How about cannabis convictions, 100,000 erroneous notices in Arizona and new masking regulations in Los Angeles County?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, Oscar Health surrenders Medicare Advantage market to their competitors and other MA marketers step up their efforts!
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Randy & I extend a hearty MLM welcome to Roy Brotherhood, who is covered by a High Deductible, "High Value" Medicare supplement.
Roy is beating that HD plan like a dime store pony and it is working very well for him. Don't be afraid of that scary name when your time for Medicare enrollment arrives!
To get your video, contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, the star rating score for Clear Spring Part D plans is probably not indicative of the level of satisfaction you would experience!
My understanding of star ratings is that they were designed for Medicare Advantage plans but other types of Medicare plans do not share the same characteristics and cannot be measured the same way.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Medicare wants to cut physician reimbursements again? Sure, let's irritate the doctors until the good ones all leave the business!
The Doc finder database on Medicare.gov is full of outdated and misinformation. It seems the professionals don't have time to update their files nd your government geniuses expect you to rag your doctor!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Here is an absolute Medicare fact: The best drug plan for you is not the most expensive one. It is the one that fits you better than all others.
Your plan will be the least expensive OVERALL cost (Part D premium + drug co-pays) at your preferred pharmacy.
Follow along to learn the Do-It-Yourself method to identify your very best Part D prescription drug plan!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also:
If composted, you would become only a cubic yard of soil amendment.
Walgreen's pharmacy employees allowed a more leisurely pace.
The most masked, vaccinated & boosted woman in government has a dose of the Coronavirus. Go figure!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
According to listener Steve, one might find significant savings on dental treatment by looking for a dentist on dentalplans,com.
Not insurance, it is a "dental savings plan" or a discount plan. Steve is pretty excited to start using the plan to save money!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
City employees who wouldn't or couldn't accept Covid vaccination and were discharged have been offered reinstatement with back pay.
Take THAT you mask Nazis! IN YOUR FACES!!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
According to an article published by Kaiser Health News, "Value Based Care" is the newest method for compensating providers (i.e. doctors) that will solve all Medicare problems.
Or... is it a lousy idea that will destroy any incentive for providers to do their very best on our behalf?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
...and that seems to irritate some anti-capitalists.
They call it "The Golden Age of Colonoscopies" because of the recent investments in gastroenteritis practices, especially in Texas.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The star rating system was devised to help people compare the level of quality between Medicare Advantage plans.
It was later stretched to also rate Part D prescription drug plans (and Medicare MSA plans). Are the criteria flexible enough to be accurate for these other plans? Maybe not!
Also, listener Steve frightens an ill-prepared sales rep peddling Medicare Disadvantage plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If you are over 65, actively at work and enrolled in your employer's group medical plan, don't worry about being penalized by Medicare for late enrollment at your retirement date.
An unrelated item: if your druggie friend tells you the cocaine you took was laced with fentanyl, don't just run off to the ER to check it out.
The required urine test may cost a lot more than you expected!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
When loved ones died we used to plant them in the ground.
Then it became fashionable to fry them in a natural gas-fired inferno, scattering the ashen residue to the four winds.
Now we can just drag them out into the yard, garden or woods to let them feed the natural environment: compost them!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
It certainly wasn't you, or even me!
The big weiners appear to be dozens of Medicare Advantage plans. They claim to be serving many sick customers whose medical needs are much greater than the norm.
When asked to prove it, they don't seem to be able to, according to the results of recent litigation filed against CMS.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
At least two of the Mayo Clinic facilities (Florida and Arizona) will no longer accept patients that want to pay with Medicare Advantage plans.
In addition, there is a Medallion program which extracts $6,000 per year per participant in order to assure prompt access to the doctor of one's choice.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A major hospital chain bails out of BC/BS of Oklahoma provider networks; patients stuck scrambling for replacements.
Anthem/Elevance Advantage plans sued by the Justice Department for fraud to the tune of $100 million.
Speculation is that the fraud of this nature amounts to $12 Billion.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
"Nursing Home Surprise" explains that one of the largest Medicare dis-Advantage companies is establishing a record of evicting surgical patients from nursing homes way before they are ready to go home,
Managed care plans often have accountants managing your care, not necessarily your medical staff.
But first, a reminder about how cost-effective High Deductible, high value Medicare supplement plans can help patients avoid disappointment.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Congress is considering legislation entitled: The Medicare Enrollment Protection Act. There are still other things to be aware of.
This will remove most of the negative consequences for those who inadvertently take COBRA rather than enrolling in Medicare when leaving the employer health insurance plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
In today's story, we learn a valuable lesson:
Pay $200 in cash at the Urgent Care rather than wait in the ER for hours, incurring a $12,000 bill for the same services.
First we hear about a cat with many lives: Hawaiian Kim Kahana started life as a stowaway on a ship to the mainland, cheated death on several occasions and shined as an actor, stuntman and founder of a training school for other professionals.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The Medicare Summary Notice is your "Explanation of Benefits" and it can be a fascinating way to spend some time...
Ah, who am I kidding? Most people will just toss it into the garbage!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Plan F which covers 100% is hugely expensive! Plan G which covers almost everything is merely outrageously expensive.
However, through actuarial legerdemain this 98-year-old will be able to to enjoy the High Deductible, high value plan for a mere pittance!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
We wind up the knee replacement series with Frequently Asked Questions.
Learn what the patient can expect during the recovery period after surgical intervention has provided a new lease on life for one of the most important joints we have.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Annual Notice Of Change (ANOC) will tell you about any changes to your prescription drug program for the coming year. Will the monthly premium stay the same, increase or decrease?
How about the formulary? Any changes in the list of drugs the plan will cover?
If there is a major plan adjustment coming up, you may want to ask your agent to search for a more appropriate PDP for next year.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
After returning home and enjoying some degree of recovery, we consider resumption of "sexual activity". Woo-hoo!!
No squatting, however!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contract disputes seem to happen frequently in the Medicare Advantage world.
When the disagreements cannot be resolved and your favorite doctor leaves the plan, you had better find a new one quickly or the plan will force one on you.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The worst part of your total knee replacement is now in the rear-view mirror. It is all downhill from here!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Medicare supplement owners enjoy treatment from the highest quality doctors and hospitals, as compared to those provided to Medicare Advantage members.
In my opinion, that is one major reason to only consider the best protection: Medicare supplement plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Today we cross the line from pre-op to post-operative patient.
It is a big milestone for everyone involved except the patient, who was unconscious for the whole event (if the anesthesiologist performed his job properly)!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Musings of an insurance agent with 47 years in the business. Are we creeping toward a really unpleasant future?
Medicare Advantage plans are certainly a step in the wrong direction!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Your knee replacement "Coach" lists even more items that should be attended to before surgery commences.
The anticipation mounts!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Today's content cautions your potential host as to what he is not permitted to say to you, the clueless attendee.
If you observe any infractions and report your host to the Medicare Gestapo, there might be a generous reward in your future.
God save the Queen!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
As part of the preparations, I assume the title and duties of "Knee Replacement Coach". Sounds like a big, big job; almost too big for one person.
Come on along on the adventure of a lifetime!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The Feds are finally getting tired of the flood of complaints about the falsehoods perpetrated on gullible TV watchers of Medicare age.
Over-the-hill celebrities are paid to spew bait-and-switch lies that will eventually bring down the heat on all insurance professionals, the honest as well as the snakes.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A cutting edge surgical practice here in Arizona distributes a manual describing the knee replacement experience.
It is designed to help timid candidates mentally prepare for the procedure that will restore their youthful mobility.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If you use my drug plan selection process to pick the best plan for you, you will be able to amaza and mystify your friends by looking like a genius!
Remember, the best plan for you is ALWAYS the one that costs least $$$ out of your pocket. You may change to a different plan each year.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Te problems asked about today almost seem inconsequential. They include Hiccups, eyelid twitching and how to ensure accurate blood pressure readings when testing at home.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, "wearable tech" is "reimagining" the course of annual physical examinations that Medicare encourages participants to take.
Maybe the results will be that much more valuable!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Make a profit and keep your freedom of choice with a Medicare MSA (Medical Savings Account)!
This plan can pay you as much as $3,000 every year, making it one Medicare Advantage plan I actually don't hate!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
There is a segment of the free enterprise critics that believes any profit within the United States health distribution network is evil and must be erased.
I wonder what they think motivates the providers to get out of bed every day and to do their best to treat human suffering?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Status discrimination based on vaccination status has come to an end but the CDC has not admitted that the vaccines are not effective.
One admission is that herd immunity from previous infection is strong protection from future infections.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Legislation is on the way that should force Medicare Advantage plans
to streamline the process of asking for permission to seek treatment from a specialist.
Of course, they will still require members to request permission before seeking treatment from specialists.
Bummer....
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Reading between the lines, one discovers a sincere attempt to educate someone new to Medicare. Basic factual information without a hint of bias.
A more valuable effort might have used decades of experience to steer the prospect to the most desireable and advantageous option.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Travel with me through an encounter with a tiny hospital emergency room visit. The three encounters with their billing department were particularly mysterious but had a very satisfying resolution.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Joe's podcast is a collection of news and opinion presented from the conservative point of view. It turns out that I have a similar point of view so we got along very well.
Our discussion centered mostly on Medicare and the expensive flaws I have identified in the Medicare Advantage program.
I hope you enjoy my visit with Joe!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Joe's podcast is a collection of news and opinion presented from the conservative point of view. It turns out that I have a similar point of view so we got along very well.
Our discussion centered mostly on Medicare and the expensive flaws I have identified in the Medicare Advantage program.
I hope you enjoy my visit with Joe!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
You guessed it, another visit to the MLM Mailbag is on tap for today!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A review of two opposing articles. One suggests that we all panic and permanently hide under our beds from pandemic panic.
The other is a more rational view warning that world leaders are plotting to use Monkeypox and future infections to clamp down on their hapless constituents.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Friends or family members of nursing home patients are being sued, sometimes for over $100,000, under various legal doctrines that may or may not hold up in court.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Three accident victims in St. Charles, IL rode to the same hospital in three different meat wagons. The charges billed were wildly different for reasons that few would have been able to predict,
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Spreading the word about the best Medicare choices for most Americans would be less efficient and more time-consuming if one had to travel around the country meeting face-to-face with small groups of people.
It would probably be even more difficult if one had to dress as a Scotsman while doing that!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Conservative legal eagles have been working diligently in courtrooms across the country to beat back the power-hungry mask Nazis and teacher unionistas that are seeking new excuses to hold the free citizens in their thrall.
There is every reason for optimism in this ongoing fight against repression in America!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Also, here is your opportunity to learn a little about the Five Civilized Tribes of Oklahoma!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
What must be done to accomplish a complete Medicare enrollment?
1) Enroll online for Medicare Parts A & B
2) Enlist the aid of a licensed insurance agent to purchase a Medicare supplement and a prescription drug plan.
That is it. It really is just that simple!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Pneumonia acquired in hospitals turns out to be a syndrome that has a very simple, effective and inexpensive solution. You might want to bring your own high-quality toothbrush, though!
Also, what force propelled plows and other farm implements across the fields 100 years ago?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
California cut a deal with the devil for cheap spectacle manufacturing and wound up with the short end of the stick.
Seems like these facilities are better suited to stamping out license plates!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The Blackfeet Indians are taking part in an experiment to see if the presence of Chronic Wasting Disease can be detected in a given locale.
What do the dogs sniff to make their determinations?
Wild animal poop!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Watchdogs have accused these plans of denying needed care and overcharging billions of dollars of taxpayer funds.
Also, a lucky couple who reached out for advice finds their move to a new city has opened the door to the wonderful world of Medicare Supplement plans!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Three lazy men discuss human behavior modification, canine behavior modification and then play a grueling round of Medicare trivia!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
THC content in the last millenium averaged 4%. Today, speculation is that the THC potency approaches 35%.
There is speculation that this is causing heretofore unseen levels of violent psychotic behavior. Can something be done to stem the tide?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
1) Kidney dialysis coverage limited by some group insurers.
2) Out-of-pocket costs for insulin may be capped at $35 per month.
3) Focused ultrasound may effectively treat essential tremors.
4) Difference between Parkinson's and essential tremors explained.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
If you guessed anything less than three months, you are way too optimistic! Listen to the sage of a client who almost had to arm-wrestle the Social Security Administration to get his wife into Parts A & B.
Also, share the good news enjoyed by Oklahoma BC/BS Medicare Advantage members.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
For the first time in my life Consumer Reports agrees with me: a Medicare participant needs a Medicare supplement to protect against painful medical expenses.
One could also opt for a Medicare Advantage plan but there are ample opportunities for that plan to disappoint and cost more out-of-pocket!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Cost Plus Drug Company, bearing the name of Mark Cuban, is attempting to disrupt the existing market distribution of widely used medications through a limited mark-up pricing scheme.
If it works, the credit should go to our free enterprise system that rewards innovation and to the risk takers with vision and courage.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Mandate Nazis are frustrated by the power they have lost in their quest to enslave Americans.
However, Federal mandates have stalled in the courts and many states have banned mandates of any kind.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Moderna says they have a new Omicron booster that outperforms the current product!
Travelers to the US no longer need to test negative to fly here!
Businesses are adopting a hodge-podge of safety measures, including:
color coded wristbands! If I am wearing red, keep your distance!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Older long covid victims should seek medical attention and pursue comprehensive care. Unfortunately, many primary care physicians are at a loss as to the best way to treat long covid.
First we pay a visit to Pike's Peak and later we hear about an absolutely perfect recitation of the world's oldest medical joke.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
According to several articles, the fund has gained a little breathing room. The go-broke date has been pushed back a couple of years to 2028.
But first, a little history of some of the Niagara Falls barrel jockeys.
We close with the story of a Sunday drive in the country that nearly lead to marital disaster!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
a) Is your Medicare supplement plan able to be used while traveling?
b) Can the cheapest available drug plan be one that does not cover your only prescription medication? Why would you buy it?
c) Is it really necessary to enroll in Part B of Medicare?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The MLM Mailbag produces the sad situation of a woman who did not purchase her Medicare supplement when first eligible.
Now an unfortunate diagnosis has removed her ability to obtain this valuable protection.
Also, do everyone a favor: prepare end-of-life documents so those who need to know will understand your final wishes.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: Gone to Texas for a while)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
A more successful person (or couple) with higher than average income will be subjected to a "success penalty" on some coverage.
Other surprise costs can be avoided by enrolling in a timely manner! Late enrollment penalties can go on for a lifetime.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
60% of MA members are lacking plan incentives to take steps toward better management of their medical conditions.
Most rarely or never get answers from the plans to their questions.
31% don't have access to the tools that will help them cope with their conditions. This is in spite of the additional compensation paid to these plans from the US Treasury.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Content from the article entitled:
Why Won't More Older Americans Get Their Covid Boosters?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
It seems that compelling the population of a whole state to participate in a mandatory Long Term Care insurance scheme is not as simple as they thought.
Typical of a government program, the cost is too high, the benefit is too small and the ultimate reward is too far off in the distant future.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
California's continuing attempt to recreate pre-war Soviet Union (and we all know what a success that was!) will now be aimed at residents who came across the border without asking permission.
The state defines them as "older unauthorized immigrants" and the plan is to provide free medical treatment for those who are age 49+.
As soon as they can justify it, the program will be expanded to everyone in the state, in spite of the opposition that has been expressed in the past by those who understand the economic impact of such a plan.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Originally, CMS expected to be passing out this Alzheimer's drug like candy to anyone who wanted some. This was a major part of the excuse used to justify the massive increases in Medicare costs for 2022.
The plans later changed; do you think we'll be given a refund?
While holding your breath, enjoy short reports on several other health related stories presented in a newsletter.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Prescription drug plans, no matter how carefully chosen, will not guarantee to maintain the projected out-of-pocket expenses for the entire policy year.
If the drug manufacturer raises prices, the plan will likely increase the cost sharing charged to plan participants in response.
One source said, "The potential for surprises is growing!"
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Tens of thousands of people are wrongfully denied medical care every year by Medicare Advantage plans. This according to an HHS watchdog.
Has anyone notified Joe Namath and Jimmy "J.J." Walker?
Also: World record for hiccups? The Insurance Guy was stumped again!
Little Nora McMillin is getting verbal, sounds very much like one of the artists in the old rock song: "Baby Sittin' Boogie"
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
According to: The 2020 Medicare Current Beneficiary Survey:
3/4 of Medicare participants are in good to excellent health
81% of participants enjoy the same health as in prior years
Only 25% have trouble climbing stairs
Most participants are satisfied with the quality, ease of access and cost of the health care paid for by Medicare
We also address the new "No Surprises Act" and briefly discuss the origins of medical provider "networks".
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
It would appear that tapping into taxpayer funds in the US Treasury is so profitable, Medicare Advantage companies are paying more for evidence that some of their members are deathly ill.
Also, what are the two steps necessary to create a statue of Crazy Horse from a nondescript mountain made of stone?
At the beginning of the episode, two junior analysts speculate as to the best course that will return America to a strong and vibrant economy.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Big firms are investing tons of money putting primary care physicians in stores and other locations within easy reach of many more insured members.
Does this bode well for the future quality of medical care?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
The Federal lifetime late enrollment penalties may be waived if telephone or computer system malfunctions caused your enrollment attempts to be aborted.
If you are a BC/BS Medicare Advantage member in Texas who uses HCA providers, fasten your seatbelts: contract negotiations are under way!
Also, getting a good night's sleep on the road can be difficult. We share a list of items and methods you may lose to enhance your sleep quality!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
There is some special math that goes into the calculation of the initial invoice.
That math includes the amount the doctor would like to receive but knows he has absolutely no chance to collect.
Medicare will make the final decision as to what the maximum allowable charge will be.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+ )
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
As Barney Fife said, "Nip it in the bud; just nip it!
Notes attached to Steve's suggestion for an MLM commercial list the five biggest Medicare Advantage gripes most people have. Jules wants to know what happens when his beloved agent kicks the bucket and then makes an entertaining statement about Mrs. Jules' injury.
Finally, an in-depth discussion of larger than life sculptures.
Question: How do you create Crazy Horse out of a mountain?
Answer: 1) Buy yourself a mountain. 2) Remove all the stuff that isn't Crazy Horse!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+ )
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
First part of the episode is the usual wide-ranging, non-Medicare discussion of whatever strikes our fancy. In this case it touches on the Confederacy and some points of interest pertaining thereto.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+ )
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
What is the very best Part D prescription drug plan? It is the one that covers all of your drugs at all of your preferred pharmacies.
That, sports fans, will always be the cheapest plan out of the 25 or so available in your location.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+ )
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 related infections (especially those at surgical sites) and the steps you might want to take to prevent them.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 justice in the courtrooms of Kane County, Illinois!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 in October or maybe sometime after that.
3) Teri who is joining the Exodus out of California but was misinformed (about what happens to Medicare) by a very rude customer service agent.
Bonus discussion of the fate of the 17-year locusts.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 a fantastic opportunity for better access to medical care. Also, millions are predicted to lose Medicaid coverage, which may not necessarily be a bad thing at all.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Medicare Advantage plans 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 whistleblower who attempted to report the abuse she discovered!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 recreational and educational activities.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 responsible relative or friend may head off problems of this nature before irreversible damage is done.
Also, a hint is shared that might make visits to the doctor a little more convenient.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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: DBJ@MLMMailbag.com
(Most severe critic chose not to participate this time. Self-graded: D+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
From what I could tell, there was a slight increase in mental well-being, mostly among men and black pet owners.
My conclusion is that this study is an example of how to waste grant funds!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 plans.
I want to be treated by happy, highly motivated doctors!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 to stop Social Security from automatically enrolling Mrs. Regina in Part B of Medicare. That's easy!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Listen to the 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. Watch out....!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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? According to one source, arthritis and Alzheimer's disease.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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. Bingo! That is the actual amount at risk.
Great news: Randy survived yet another St. Patrick's Day! That makes approximately 300 by my count but he retains his youthful good looks!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 plan.
Follow the money!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A++)
Inspired by:
"MEDICARE FOR THE LAZY MAN 2022; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
sound effect credit: zapsplat.com
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
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: tried to abstain but finally offered up an A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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) Quarantines 7) Vaccination
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 their rules and regulations.
Also, how much do you like hanging around with nurse practitioners?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 in order to make sure it is still suitable for him.
Also, Steve frightens an illegal telemarketer with one simple question.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 insurance!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 reputable company.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 recommended drug plan selection method. Paul is a cerebral guy and he fell into the trap of overthinking the process, in my opinion.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 MA plans just seem to look the other way!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
There are different criteria for each of these but if problems are discovered, they can be turned into diagnostic procedures.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 of the DCE pilot program because my crystal ball is just not that powerful. However, I share his fear of this Medicare bastardization.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 the Federal government does not mandate.
This is innovation of the highest order; it can only happen in a profit-driven free enterprise environment that encourages experimentation for the ultimate benefit of all!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 $140 per month for Plan G rather than $30 for high value plan G?
Has Steve finally stumped the Medicare answer man?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 mitigate the damage!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 antithetical to freedom and not welcome in MY universe, but never fear: other forces of evil are vigorously opposed to them as well.
Go figure!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 Medicare MSAs. I was pleased to be able to report that almost all of the weaknesses he listed were not really elements of the plan I represent.
Sure, it is possible that this type of plan will disappoint, as I warn about all Medicare Advantage plans but my innate optimism springs eternal!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: Awake but disgusted by the lack of Medicare content)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 Medicare supplement plans I might recommend for him. Within a short time he articulates the same choice I would have suggested.
It is great when a client comes to the best conclusion on his own!
(Most severe critic: Slept through the entire episode)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 there a maximum amount that Medicare will pay on your behalf?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Three states have recently instituted the Birthday Rule, allowing Medicare supplement policyholders to make changes without evidence of good health.
Surprisingly, the otherwise conservative state of Idaho has also instituted mandatory use of community rating for all newly issued supplement policies.
Is it a case of creeping Communism?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 these small modifications could presage larger changes coming down the pike.
We also dip into the MLM Mailbag to answer questions from a couple of correspondents seeking some clarification.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 replacement card. They pledge to waste no time getting that card to you in 30 days (or so).
Also, Ken (of Ken & Schelly) shows he is gaining experience in spotting Medicare advantage plan scams and possibly illegal come-ons!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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, how does little Nora McMillin motivate around her house?
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 everyone.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 for your bucks!
Also, a letter from BC/BS of Oklahoma sheds some light on contract negotiations with the doctors that belong to their network of providers.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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.
Then came Becky's question about the medical claims paid for professional treatment she has sought. This can be complicated and frustrating subject for detail-oriented nitpickers like Becky & me.
Unfortunately, the best advice I could offer was to call claim experts at the company for help!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 of pain.
This sort of service disruption is a drawback of Medicare advantage plans. Clients have no control over changes that might make the provider network unsatisfactory after they have signed up for another year.
Much happier is the tale of Rudy who, when he discovered the punitive IRMAA penalty he was expected to pay upon enrolling in Medicare, told the government to "shove it" and enrolled as a dependent on his wife's plan for a much smaller monthly premium.
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 the cold.
I offer a dental insurance plan that will pay benefits no matter who your dentist is. If your dentist doesn't belong to the Careington network, just have the staff give you an itemized invoice, send it to Manhattan Life and wait for your benefit check to arrive!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Your company may have purchased insurance on all employees
-or-
is it rolling the dice on a self-insurance plan?
The increasing cost of insurance has led many smaller to medium sized employers to consider some form of self insurance in order to provide quality benefits at a reasonable price,
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 own Plan F can be relieved with the help of an insurance agent. If one is able to switch to Plan G or, better yet, High Deductible Plan G (HDG), one's cash flow prospects will improve dramatically!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 questions attesting to your fair or better health, much lower Medicare supplement premiums can be yours any time you choose. Let me help you down the path to big savings!
Contact me at: DBJ@MLMMailbag.com
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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?
Why do most agents refuse to volunteer information about High Deductible Medicare supplement plans?
….and several more!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
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 to the same conclusion as me: most Medicare agents do not want their clients to discover the cost-effective joy of High Deductible Plan G.
It would tend to cut into their income, since their commission is a percentage of what your premium cost amounts to. The more expensive your purchase, the more commission the agent makes!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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.
The other two methods produce essentially equivalent costs for the policyholders, in spite of what Federal bureaucrats would have you believe!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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.
This episode contains a synopsis of all the periods during which it is permissible to enroll in a prescription drug plan. Remember that a late enrollment brings a lifetime penalty so enroll ASAP!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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.
Also, did you ever receive a BB gun for Christmas?
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 average 10th grader!
Also, have you had a hankerin' to hear what the Louisiana Insurance Commissioner has been up to lately? He and vaccine researchers have been very busy of late!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 like Steve, info is always being pried from my brain and served up to our MLM Podcast audience!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 disastrous situations described in short stories, one was already unfolding with a potential stroke, a hospital stay and a whole lot of pricey tests.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 history questionnaire.
Any competent insurance agent (like me) can improve your Medicare insurance protection by helping you qualify for a "Freedom of Choice" supplement plan.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 subject can confuse anyone, even tongue-tied Medicare experts!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 produces a question from Julie who wants to be sure she understands the steps to take when preparing for retirement. Katherine then asks for some details about Trustmark and "managed care" plans.
(Most severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 rent on most items for a time before they become yours to keep. If your provider accepts Medicare payment, the DME is likely to become yours at a very reasonable price.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 bureaucrats really know how to spin a compelling yarn!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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, a medical POA is a durable Power of Attorney which allows the patient's proxy to enforce treatment preferences and express the wishes of the patient.
This according to Diane Omdahl, Wisconsin Medicare expert.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 prescription drug plan.
The Big Texan offers the opportunity to enjoy a 72 oz. steak dinner free of charge.
Take your choice, but each alternative has pluses and minuses. Financially successful people at least have the means to prosper in spite of the penalty. Those who accept the Big Texan challenge get to enjoy a tasty steak dinner.
Listen to descriptions of both in this episode of the Medicare for the Lazy Man Podcast!
(Most severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 deductible of $233 next year. That is an increase of $30 as opposed to the $5 annual increase last year.
Elections have consequences, people!
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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?
As if that weren't enough, we dip into the accumulated mail to answer the questions posed by Jim, Jeff and Glen (who said my book was "fantastic & funny)!
(Most severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 unpleasant news, we dip into the MLM Mailbag for a couple of choice items.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 insurance must pay for extras, the cost for those extras will be borne by everyone, and government will continue to expand.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 like an adult. He must follow their instructions to the letter.
...or else!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 measure of protection both during periodic illnesses as well as at the end of life.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 Change) supposed to be telling you?
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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.
That "difference" you pocket just might be larger than your annual deductible.
If so, it makes perfect sense to switch to the HDG if you are able to!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 think about reviewing your coverage ever again.
Congratulations!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 alternative to the dreck promoted by a bunch of fast-talking TV pitchmen! This is a Medicare policy that actually pays the insured thousands of dollars to spend, save or invest as they see fit.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 department repeatedly, to the point she is worried they might have her committed. The answers she seeks are located in Chapter 9 of Medicare for the Lazy Man. Will she follow this excellent cautionary advice?
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 has been the standard.
Their concerns are typical of those facing forced enrollment into this type of plan: lack of freedom of choice, budget-busting cost sharing and having to seek permission to consult with medical specialists.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 formulary, etc.
One problem: some of your drugs have large copays you will be stuck with all year! You won't know this until it is too late.
You just fell victim to a dopey insurance salesman who has no idea how to choose the very cheapest plan for you.
If you want to save your hard-earned cash, follow the directions here and pick out the least expensive plan for you!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 politicians.
Government bullied its way into what had been a robust and vibrant private enterprise and proceeded to ruin it for everyone else.
Also, what's up with the "most severe critic"?
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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?
I suggest the method of peeling an onion. Strip back the less desirable choices like layers of skin from your onion, one by one until only the most flavorful and favorable parts are left.
Thus, a once daunting decision process can be brought under control!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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, dialysis & nursing homes.
Also learn about the three types of financial relationships doctors can have with Medicare plus learn what some of you might want to do during AEP each year.
Hint: no need for this extra work if you were smart enough to buy a supplement instead of an Advantage plan!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 proper course will avoid any lapse in coverage while minimizing out-of-pocket costs.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 "negotiate" they mean dictate and by "dictate" they mean to remove the profit incentive that has given us miracle drugs at affordable cost for most of the last century.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 company. Failing to get his error undone, he hauled off and chose a completely different company's offering and started the process all over again.
People, the lesson here is to rely on your agent's experience in order to avoid as much of this nonsense as possible!
But first, the Nazis lost one of their subs, the U-505, in the South Atlantic. Shhh, don't tell but I know exactly where it is!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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, they are obligated to inform you about the plan's status.
If your coverage is considered creditable, you may keep it as long as you like without risk of being ensnared by the hated lifetime penalty.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 elicit an erroneous response.
The fact is, if a medical office accepts patients insured by Medicare Parts A & B, it will unquestionably accept any insurance company's supplement plan also. If you insist on making sure, phrase the question carefully to get an accurate response.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 able to meet electronically with patients in distant locations (such as their homes) and receive compensation equal to in-office visits.
Patients used to be forced to leave their homes to partake of electronic technology from central, public locations. At last, senseless regulations prohibiting commonsense use of technology for medical treatment are being swept aside, resulting in a more effective and efficient practice of medicine.
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 equivalent of a brick wall.
Her costly situation could have been avoided at a very reasonable price if she had been able to seek advice from Medicare for the Lazy Man!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 current health insurance plan after turning 65 while continuing to work. Pleased with the answer, I promised to contact me at retirement time to enroll in a Medicare supplement and drug plan.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 questions and then let it slip they are youngsters whose decision points are years in the future.
Who would have thought the happiest part of the podcast would be memories of a rainy day in a brand-spanking new Disneyland?
(Most severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 want to think about selecting the least expensive prescription drug plan consistent with your Rx needs and pharmacy preferences.
Will you be able to locate an expert to help ensure you have the best plan of the 30 or so available?
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 preventing disease, your CDC geniuses are hard at work thinking up brand new politically correct nomenclature to replace traditional English in their attempt to restructure American society.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 freedom, our favorite Dental, Vision & Hearing plan can be used to cover treatment by any dentist or other qualified provider of these services without being forced to use a particular network of providers.
(Most severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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. They also were accused of claiming payment for nonexistent illnesses.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 dropping and the demands on government are growing.
We need real economic skill at the helm rather than a bunch of vote-buying Trotskyites!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 exactly what they are doing!
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
…"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 persuasive efforts of Broadway Joe.
Still, the piece makes some critically important points with regard to the billions of dollars frittered away by the government through the Medicare Advantage program.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 consider.
If one follows my suggestions, they can ignore all of the confusion and rest assured that they have the most cost-effective protection available!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 wrongful death lawsuit against the hospital; then Medicare swoops in to collect the money it paid the hospital to keep Gramps alive.
Seems like Gramps is the big loser here, but the litigator does all of the crying.
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 got instead was misleading Medicare Advantage pitches aimed at the naïve and gullible.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 story of sick people denied treatment by avaricious Advantage plan manipulators.
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 "life changing event" form.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 you need for Medicare!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 coverage outright. Eventually all were made whole but only after a period of angst.
Following that was the heartbreaking story of Mark and how, through persistence, he managed to solve his frustrating problems while breaking MY heart!
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 operate in its own vacuum.
Is this any way to run a government? Just ask our buddy Steve!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 information is contained in an official GAO report!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 two, have been accused of submitting inaccurate data and overstating the severity of client health conditions. These tactics result in large overpayments of tax funds to undeserving Advantage plans.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 insured clients I have.
Yeah, that's the ticket! What could possibly go wrong with that?
After starting the new enterprise we dip into the MLM Mailbag for a few pithy questions from readers and listeners.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 theft is a benign sounding request for details of the clients' health history. The plans then turn around and bill the government for the "additional risk" they purport to have found.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 listeners who may have similar questions or concerns.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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. However, the older the client, the smaller the risk and the better choice that high deductible plan turns out to be!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 told him that they would have to pry the typewriter from my cold, dead hands before I stop releasing new Medicare books each year!
Finally, Donna has a more complex situation concerning her HSA benefits and how she should approach Medicare enrollment.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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, capitalistic economy, that is the way it ought to be!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 surprise gifts. One is an "MLM Book Review Persuader" baseball bat courtesy of the very generous Dominick Regina.
Thanks Dominick!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 explain some of the subtleties in an evenhanded way.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 example of this new realization: the solid protection of a supplement plan may just be the most prudent choice.
(Most severe critic: A-)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 somewhat less painful!
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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)
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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.
Wondering about Go-Go Meds? Steve says they aren't quite ready for Prime Time just yet.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 Mailbag and describe the bull riding action one is likely to enjoy at Cave Creek's Buffalo Chip.
(Most severe critic: B+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 MLM podcast!
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 Lampoon is the magazine collection I have saved, not Geographic.
(Most severe critic: A)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com
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 reacts to them.
(Most severe critic: A+)
Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers.
Official website: https://www.MedicareForTheLazyMan.com
Send questions & love notes: DBJ@MLMMailbag.com