Maximizing Medicare with Paul Sheldon: Recent Episodes
Paul Sheldon
Medicare can be a confusing road to travel. Luckily, Paul Sheldon is here with the expertise and guidance to help you travel the maze and to find the destination that is right for you. Tune in each week for the latest news and information important to you.
"Gospel" means Good News. Medicare and acupuncture. Part B and when acupuncture is covered. Plan G and increasing deductible in 2026. Farxiga. Useful website: pharmacychecker.com. Dealing with Social Security.
Thanksgiving special. God enjoys when we give thanks. Jesus died for our sins. Biden Harris Inflation Reduction Act. Mark Cuban and his website: CostPlusDrugs.com. Deductible increases coming up.
A look at Medishare. Individual Health plan rates. Obama Care price increases. Whether health good or bad, rates are the same. Long term care insurance. Saving real people money. Retired real estate agent saves over $7000/year.
Cutting commisions on drug plans. Insurance companies no longer paying to sign people up. Skin substitue spending is up. Legal issues and reimbursement schemes. Why Aetna focusing on provider experience.
Fewer companies offering drug plans. Price increases coming in 2026, max $50/year. 2027: May not have any drug plans. Government subsidies going away, Insurance companies may have to subsidize. Medicare Supplement Plan price increases.
Which drug plan is #1 for you? Open enrollment time. Biden Inflation Reduction Act spent too much money on Green Energy and Climate change funding. Drug plans cutting commision to $0. Client stories: Customer save over 13K/yr. Rise in cancer possibly due to obesity.
The Good & Bad of Medicare. Client email shares their story about Medicare HMOs and they weren't interested in Medicare Advantage plan feeling it was substandard care. Advantage plans bring in more money but aren't that good for the client. Special Enrollment period. HRA: Health Reimbursement Arrangement. MFN: Most Favored Nation clause.
Paul has trouble with his hearing and shares a story about earwax. Which companies are selling Medicare Advantage plans? Kaiser Workers on strike. New prescription drug website: TrumpRX.com. GoodRx and generic drugs. Real life couple suffers from health issues.
Changes to Drug Plans. Medicare News: Insurance Commissioner Javier Bacerra. Effects on Drug Plans because of Biden's Inflation Reduction Act. Insurance Companies asked to subsidize costs, said no and left CA. Medicare Advantage PPO - no more in 2026.
PPOs for vision care. Medicare. Long term care is not covered. ETTDBC (Eating, toileting, transfering, dressing, bathing, continence) Life Insurance - it only gets more expensive as we age. Long Term care Insurance - may need a minimum of $200/day benefits. Real life appointment: Couple save over $500/month!
Guest General Surgeon Roland Rodriguez. Universal Health Care: Is it "right"? Socialized medicine - leads to rationing and scarcity. Can also compromise quality. Competition leads to improved quality and reducing costs. Medical School. Big Beautiful Bill.
Guest Chris Graham of Graham Financial Group, insurance agent in Florida. United American Insurance. Lapse in coverage could lead to rate increase. How to keep your policy when you move. Medicare Advantage Plans: pressure to cut costs. Financial incentive over care.
Real life example of couple from Frazier Park and an unexpected job loss, they could work in Medicare. Skin Substitutes - used to replace damaged skin, led to abusive pricing and fraud. Article " Social Security Shake Up in 2026 - 3 changes for retirees"
Guest Sam Olsen - owner of Sam Olsen Insurance Agency and friends with Paul's son. We discuss Medicare, skin substitutes, Medicare Advantage Plans, and what to do about Cancer.
Signa PPO dental plans vs HMOs. Teens & Diabetes. Health & Human Services recinds undocumented immigrants access to healthcare. Medicare Plan D - deductibles rising. Skin substitutes.
Real life appointment: client retiring from school district saves over $7000 per year. Frank Becher and the importance of calling back people. Minimum 2 per day. The importance of advertising correctly.
Guest Mike Lemar president of Sunshine State Agency. The importance of picking the right plan for you. United American and their automatic claims filing. Medicare advantage plans and why they're a mistake.
Pharmacy Benefit Managers. Reimbursements not covering cost of drugs. Wegovy/Zepbound prices fall but access is still limited. Bill 242 Medicare Supplements coverage and open enrollment period will doom lower prices.
Medicare at risk due to lobbyists. Proposed law mandates enrollment in Medicare Advantage. Top 20 Hospitals in the United States. United American is most stable, including rates.
Hims & Hers companies expand into Canada. Paul recaps his trip to Greece & Turkey. Understanding Medicare coverage while incarcerated. Client savings when switched to Medical. Medicare Advantage Plans & Fraud.
Paul goes to the DMV. Why its important to take Medicare. What to look for when finding a dentist. Whole Life Insurance. Long term care expenses. What does the Federal Gov pay for?
Dental & Vision Plans. Dental coverage explained. July 4th and USA. Inflation Reduction Act. Rising Deductibles. Co-pay VS Co-Insurance. Lobbyists and their role. United Healthcare Fraud Case.
Salvation is a person - Jesus. Room & Board Rates. Medicare Payment Advisory Commission. Why Medicare Advantage Plans are not efficient. Explanation of Medicare HMOs.
Difference in premiums with Medicare Supplements. Importance of Callbacks. Rite Aid closures. Cuts to Medicare. Spousal discounts.
Salvation through Jesus. Contact Paul 3 months before turning 65. MEDPAC - Medicare Payment Advisory Commision. Breakdown of Medicare Advantage Plans. Not efficient. HMOs. Role of Lobbyists.
Dr Patrick Soon Shiong "Secret To Beating Cancer". Big Pharma attacking his treatment. Article "DoJ accuse Medicare Advantage Insurance of Paying Kickbacks". Medicare Parts A&B VS. Advantage
Getting rates, which are tentative on exam. Whole life insurance with dividends. Medicare Supplement Premiums. The effect of inflation on rates. Plan G comparisons. Real life example - Canyon Country couple.
Client story Retired from Kern Co. HMOs vs PPOs. Tehachapi Couple retiring. Medicare Supplement C and why not recommended. Inflation Reduction Act and difficulty finding medications.
Social Security Act with FDR. Lyndon B. Johnson amended so that it includes Medicare. School district retirees, helped save them $21K per year. Medicare late enrollment penalty.
Client who's husband passed away, importance of life insurance. Beware of commercials for Medicare and dental. 5 recommended PPO plans. Getting rid of Medicaid??
Taxes - filing married or separately: check your Medicare Rates and ask you CPA. Loss Ratio: Money received vs claim payouts. Medicare Part D.
Diabetes treatments sky rocket. Drug prices up. Patients up 142K to 1.5 million. Hairloss and ED meds not covered. "Upcoding" beware of fraud (United Healthcare says accusations are false) Agentic AI - Using AI as agents to help the customer. 23 and me files for bankruptcy.
When to contact Paul for Medicare - 3 months before turning 65. Cataracts: various surgeries, Medicare doesn't cover elective surgeries, patient pays the difference. Dr. Oz and the Center for Medicare and Medicaid. VA & Tricare.
Discusses Screening, billing cycles, preferred pharmacy and prescriptions. Business is more than just the bottom line. Paul helps a client save over $10K a year.
Ryan's story into self-employment. Selling Medicare Supplement Insurance. Personality gets you leads. Listen & hear clients. Make friends then sell
Parents should plan for the time when unable to do daily activities. Nursing homes, wheelchairs, scooters, etc. Long Term Health Care Insurance. Life Insurance Policy for kids. Dividend paying. Whole Life Policy.
Ridin bikes with pea shooters when young and buying records. DOJ sues CVS over opioid crisis. CMS states Health Care Spending up - alot to do with anti obesity drugs. Medicare Advantage Open Enrollment Jan 1 to Mar 31
Happy New Year. Biden Inflation Reduction Act. Insulin max $35 co-pay. Dollar Cap $3300 - in 2025 $2000. Real life example - Man recently divorced - boss will pay Medicare currently $900/mo will be $231/mo saving over $8K a year. CMS sunsets Medicare Advantage because too costly.
Christmas. Trump and Health Insurance. 2 Most important prepositions in the Bible. I Peter 1 vs 1-12 - Inheritance imperishable & Galatians 3 - All one in Jesus Christ.
Costs per area - Kern Co lowest. We prefer United American not about commission. Ex-Retired photographer from $515 to $295 month & drug plan from $170 to $1.80 month. Inflation Reduction Act and Trump.
Last day for changes to Medicare - can still do online. Real life appointment - Neighbor's Mom - Plan went from $1170 to $174 per month. PPO mo Medicare VS Medicare Supplement
Thanksgiving Episode, GEM Care Jan 1st move to BFMC. Medicare Supplement B, Jesus "It is finished". Forgiveness. Call Paul after Nov. 30th.
Inspirational Couple with positive attitude save 7K/year, Compare Wegovy prices in US $1350/mo in Germany $100/mo. Medicare Advantage - use caution - client rejected at ER.
Presidential Voting, Medicare from a financial standpoint, Celebrity Endorsements, Humana to pay 90mil for overcharging.
Drug rate plans for 2025. Price increases. Co-pays, Caps, Deductibles and Gov't Subsidies. Open enrollment ends Dec 7th. Medicare Advantage Plan changes coming up.
Paul talks about changes coming to Federal Subsidies from the Biden Inflation Reduction Act. Medicare news as well including Humana losing members.
With increasing perscription drug prices, Paul shares a great tool along with real life examples.
Paul gives you the latest Medicare news including new drug laws that you need to know about!
Paul shares more real life examples that may affect your situation when it comes to Medicare.
Paul give more info on the clients he has met with as well as spotlighting Medicare news including the Justice Department attacking fraud in the healthcare field.
Paul gives you some more real life examples from his clients as well as shares some ways where you might not want to enroll in Medicare.
Paul shares the latest medicare news including how some insurance companies are employing AI when it comes to claims.
Paul shares real life examples that could be the situation that you are in along with the latest Medicare news
Paul does more than Medicare insurance. He breaks down all the options to protect yourself.
Paul shares the latest information regarding Medicare premiums as well as real life examples.
Paul gives you the latest Medicare news as well as shares real life examples that may relate to your situation.
Paul gives you the latest Medicare news as well as more real life examples from his clients.
Paul breaks down the Medicare Advantage Open Enrollment period and what you can do during it.
Paul breaks down the Medicare "Birthday Rule" as well as gives you the latest Medicare news.
Paul continues the conversation on what is observation status and how it could affect you.
Paul has a special guest, George Martin who is a local attorney and for years oversaw the Bakersfield Business Conference
Paul breaks down 6 disadvantages of the Medicare Advantage Plas plus more real life examples
California's Governor has singed SB-770. What does that mean for your healthcare future?
Paul shares what you can learn from the upcoming Bakersfield College seminars plus the latest Medicare News
Paul gives you the weekly dose of Medicare News. Plus real life examples that might match your situation.
Paul tells you the 3 areas of cast you need to know when it comes to Medicare. Plus the latest Medicare News
Paul breaks down the latest in Medicare News. Plus what items are covered by Medicare Part B?
Paul shares a preview of his upcoming classes at Bakersfield College as well as shares more real life examples.
Paul shares information on first diagnosis cancer plans. He also shares more real life examples from his clients.
Paul shares reasons that you might want to seel your life insurance policy. Plus the latest Medicare news
Paul shares information about the 10 most costly drugs in America. He also talks about ambulence coverage with Medicare
Paul shares news of a team up with CVS and Good RX. Plus he breaks down the Medicare Plan list
Paul shares the dangers of CA Senate Bill 770 and what it could do to Medicare plus more real life examples
Paul shares the latest Medicare News as well as examples from his clients that could match your current situation.
Paul shares one of his favorite clips from the amazing Paul Harvey. Plus more real life examples from his client
Paul shares some surprising news on how many items get declined by Medicare Advantage Plans. He also provides more real life examples from his clients.
Paul provides the information you need on how Medicare handles mental health. He also tell you how you can opt out of certain parts of Medicare
Paul checks in with the latest Medicare News along with real life examples from his clients that could be in the situation you are in
Paul shares the breakdown of the differnt phases of medication co-pays, including explaining the "donut hole"
Paul breaks down what you will find on an Explination of Benefits. Plus more real life examples.
Paul shares the latest Medicare News including cases of fraud involving Medicare Advantage Plans. He also overcomes some Medicare myths
Paul shares the latest Medicare news including some changes proposed in California that could dramatically affect Medicare
Paul shares the environment you will have as you come and visit the office. Plus more real life examples.
Paul shares how your premiums and deductibles could be affected based on your number of work credits. Plus more real life examples
Paul shares the latest information about the cost of the shingles vaccine with Medicare as well as shares great information on why you might want to be an insurance agent and how to get started.
Paul shares some medical billing issues that you should be aware of and how they could affect you. Plus more real life examples.
Paul shares the preventative procedures that are covered by Medicare plus more real life examples
Paul talks about the thought of Medicare being socialized medicine. Plus more real life examples.
Paul shares the latest Medicare News including the costs of insulin and the shingles vaccine. Plus he shares more real life examples.
Paul lets you know what you can do during the Medicare Advantage Open Enrollment Period plus the latest Medicare News. He also shares some real life examples.
Paul tells you the latest news about Mecicare including the shingle vaccine. Plus more real life examples.
Paul tells you information about Long Care Insurance as well as the latest Medicare News
Paul shares his thoughts on Pearl Harbor Day as well as getting you up to date on the latest Medicare News
Paul shares some dangers to be aware of when it comes to Medicare Advantage Plans. Plus some thoughts on Thanksgiving.
Paul shares what are involved in broker commisions as well as more real life examples from his clients.
Paul gives you the latest in Medicare news including a move to changing the "Medicare Advantage" name. Paul also gives you the latest information in 2023 enrollments
Paul shares the things you can do during Open Enrollment plus the latest in Medicare News
Paul has the latest Medicare News - including Anthem being sued by the governent. Plus more real life examples.
Paul talks about the current open enrollment period. Plus the latest Medicare News involving nursing homes and Medicare Advantage Plans.
Paul shares details of phone scams occuring affecting Medicare recipients as well as more real life examples.
Paul shares the history of Medicare as well as provides information of the Valley Strong Medicare Workshop
Did you know you could get tax free cash if you get diagnosed with cancer? Paul talks about these plans. Plus the latest Medicare news!
Think you have an unique situation? Paul may have covered that in one of these examples.
Pual shares info on Medicare premiums for 2023 plus how to register for the upcoming Medicare workshop at Valley Strong Credit Union
Paul share real life examples from his clients that could match your current situation.
Paul shares information about IRMAA and how is can affect you. Plus more real life examples from his clients.
Paul shares about Extra Help and how you can take advantage of it. Plus more real life examples.
Paul shares how to enroll in Medicare when disabled and under age 65 plus more real life examples
Paul shares his thoughts on the 4th of July as well as gives you the latest Medicare News and how it affects costs.
Paul gives the latest news on Medicare Advantage Plans and what you need to look out for.
Paul shares information about his upcoming digital workshop as well as the latest Medicare news.
Paul gives you the latest in Medicare News as well as some real life examples from his clients
Paul shares the latest news regarding Medicare that could affect you as well as more real life examples.
Paul shares new details on an upcoming web seminar that you can join as well as the latest medicare news
Paul shares recent Medicare news about health care rate increases. Plus he shares why you might consider becoming an insurance agent.
Paul shares information on when you should apply for Medicare. He also has the latest in Medicare news.
Paul shares some dangers of Medicare Advantage Plans as well as shares some Medicare News
Paul keeps you up to date on the latest Medicare News as well as share things from his latest appointments
Paul shares what to do about high medication costs as well as shares more real life examples
Paul explains what Extra Help contains as well and shares some common Medicare mistakes.
If you plan on working past the age of 65, Paul shares the things that you should consider.
Paul shares the dangers of Medicare Advantage Plans plus more real life examples from his clients.
Paul shares why he personally doesn't recommend a "Medicare Advantage" Plan as well as shares real life examples.
Paul shares the things you need to know for the Medicare Open Enrollment Period plus also answers common questions about Medicare.
Paul shares the latest Medicare news plus gives a recap of the recent Medicare Workshop. He also shares more real life examples that could pertain to your situation.
Paul shares the information that you need regarding the Medicare Open Enrollment Period. Plus he answers common questions about costs.
Paul shares more real life examples as well as sharing items that Medicare will not cover.
Paul shares recent Medicare news including a proposal to lower the Medicare eligibility age. Plus he shares the items that Medicare covers 100% and more real life examples.
Paul shares some things that Medicare doesn't cover. Plus more real life examples from his clients.
Paul shares more real life examples plus gives information on the upcoming Valley Strong Credit Union webinar.
Paul shares more milestones of Medicare. Plus he shares more real life examples that may relate to your situation.
Paul begins sharing the milestones of Medicare. Plus information about the upcoming Valley Strong webinar.
Paul breaks down what items are covered by the different parts of Medicare. He also shares how Medicare pays for observation status.
Paul shares new Medicare News that could involve getting medications from Canada. Plus more real life examples that could relate to your situation.
Paul shares how to appeal pre-service denials when on a Medicare Advantage plan. He also share the most recent Medicare news and shares more real life examples from his clients.
Paul shares how Medicare may take care of you when living abroad. He also shares information on skilled nursing as well as sharing more real life examples from his clients.
Paul explains what "Extra Help" is as well as provides more real life examples from his clients.
Paul shares more examples from his real life meetings. Plus more information on the upcoming Medicare online workshop.
Paul shares some information on the dangers of medicine from China. Plus more examples of real life meetings that Paul has had with his clients
Paul shares more of his real life meetings with various scenarios that might be what you are handling. Plus details on a new online workshop coming up.
Paul shares the questionnaire he has for new clients as well as share more real life meetings.
Paul shares more real life examples, plus talks about the disadvantage of "advantage plans".
Paul shares Medicare News involving prior authorizations and home health care. He also shares more real life examples.
Paul is joined by special music guest Kevin Birkbeck to enjoy some live music and discussion about Easter.
Paul provides update on Medicare News in California and their implications. He also provides more real life examples.
Paul continues his talk with Colleen McGauley of the Kern County Long-Term Care Ombudsmen Program.
Paul Sheldon breaks down the reasons that you should look at the fine print of Medicare advertising. He also shares more Medicare news and information he's learned in real life appointments with his clients.
Paul shares his thoughts on the passing of Rush. He also shares more real life examples from his clients.
Paul shares information on Good RX Coupons. He also shares some special thoughts in time for Valentine's Day.
Paul shares new information about the next Valley Strong workshop on 3/18 about "Medicare for Those Working Past 65". He also shares news on the Medicare Star Ratings.
Paul breaks down how cataracts can be covered in Medicare. He also explains what Pharmacy Benefit Managers do along with more real life examples.
Paul shares items from the news that could affect your Medicare. Plus more real life examples from his clients.
Paul shares information about CalStrs and Medicare payments. He also tells you how you can qualify for Medicare when under age 65. He also provides information for higher income earners.
Paul tells you your Medicare rights while you are in the hospital as well as providing more real life examples.
Paul gives you the steps to get a 2nd opinion with Medicare. He also shares information on Advanced Beneficiary Notices and tell you some more real life examples from his clients.
Paul breaks down what you can do during the Medicare Open Enrollment Period. He also shares more real life examples from his clients.
Paul shares his thoughts during this Christmas time. He also shares how you can apply for Medicare online.
Paul shares some of the changes for 2021 with Medicare. Plus he discusses the Medicare Advantage Open Enrollment Period.
Paul brings the latest Medicare News including information on how long Medicare may last. Plus he tells you things you need to watch with misleading Medicare ads. And a discussion of penalties you might be subject to with Medicare Part D
Paul shares the Senior Savings Model that could save you money on insulin. Plus a discussion on the physical therapy cap removal.
A special episode with a special guests to talk about the things to be grateful this Thanksgiving.
Paul gives more examples of real life encounters he's had with his clients and how he's been able to help them through various situations.
Paul shares how durable medical equipment is covered by Medicare and also how to qualify for Medicare Part A
Paul breaks down the difference and importance of being listed as an in-patient vs out-patient with Medicare coverage.
Paul shares the important steps your need to take if you get laid off. Plus he tells you what you need to know as we head into the Medicare Open Enrollment Period.
Paul walks you through the steps of how to handle Medicare plans when moving. Plus Paul breaks down the differences between a supplement and "advantage".
Paul tells you how to watch the Valley Strong Medicare Workshop. Plus how can the Affordable Care Act affect Medicare and the importance of Freedom of Choice Plans.
Paul recaps the Valley Strong Credit Union workshop including questions that participants had during the event. He also breaks down coverages in the parts of Medicare.
Paul gives you more Medicare news along with more real life examples of the Medicare process. He also previews the Valley Strong Credit Union Workshop.
Paul shares the difficulties of adding Part B coverage. He also shares how you can join his industry. Then he answers some of the common questions that his clients have.
Paul shares more Medicare news including a case of drug fraud. Plus he presents some of pitfalls of advantage plans.
Paul is joined by special guest Colleen McGauley who is a Volunteer Coordinator for the Kern Long Term Care Ombudsman program.
Paul provides more real life examples that he's experienced. He also shares some ways to control drug costs, provides some life insurance information, and tells you about 1st Diagnosis Cancer Plans.
Paul shares his thoughts on the 4th of July. He also shares more real life examples and an update on some Medicare News.
Paul shares what exactly is Creditable Coverage. Plus provides more real life examples as he has worked with his clients.
Paul shares the things you should watch out for from possible con artists. Also, when is the best time to join Medicare Part D?
Paul tells you about Medicare "Extra Help". He also discusses tax deductions and shares more real world examples in regards to Medicare.
Paul gives you some Medicare News Updates along with sharing more real life examples that may help your journey into Medicare.
Paul gives information you need if you are on your spouses school district plan after you are aged 65. Plus more Medicare myths & misconceptions. Plus does Medicare cover alternative medicine or cosmetic surgery?
Paul breaks down the importance of getting Medicare quickly if you happen to be laid off. Plus he tells you the process of working with Medicare while the local office is closed.
Paul breaks down more myths that you may have heard about Medicare. He also tells you how to add Medicare Part B quickly if you find yourself laid off.
Paul provides more real life examples. He also tells you about how you can get Medicare early due to disability. He also talks about HSA and Medicare.
Paul breaks down the history of Medicare Deductibles. He also provides more real life examples from his clients.
Paul is joined by Diane Omdahl who gives great information on COVID-19 and Medicare. She also breaks down the information of Parts A & B and gives warnings when it comes to Medicare advertising.
Paul shares how operations have changed due to the Coronavirus shut down. He also goes into how Medicare is handling COVID-19. He also shares more medicare news and shares how some of your medication may be coming from China
Paul breaks down how you can get assistance when you have low income. He also breaks down the drug co-pay phases.
Paul provides more real life Medicare examples. He also goes into the importance of cancer insurance.