Jae's Corner Podcast: Recent Episodes
Jae Oh
By Jae Oh, Certified Financial Planner, author of Maximize Your Medicare. Contributor to thestreet.com, finstream.tv and more. Simple reason for the rename: Medicare is only the tip of the iceberg. You'll get personal finance tips for all ages and situations. The topics are serious, but I'll always have time to smirk, mainly at myself.
YouTube Channel: https://bit.ly/3L1cjXJ Newsletter: https://bit.ly/3u8TR8s Email: jae@jaewoh.com
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JaesCorner #finance #personalfinance Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Market Glue Falls Apart All At Once
I left breadcrumbs for you, the entire time. These can all be found on this newsletter, and now sit on gh2benefits.com.
- Stronger Dollar Sounds Great, But May Not Be
- September Is “Suddenly” Nasty
- Theory Alone Does Not Pay Bills
- Mr. Market Has Given Many People A Gift
Take A Wild Guess What I’ll Say
r is now not only much higher, but it is unstable. The smart guys in the room can plan on a slowly, stable higher r. But higher and unstable r? Nope. Risky assets have taken note.
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— Maximize Your Medicare by Jae Oh
All insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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Good Debt, Bad Debt
In This Broadcast:1. Interest Rates and Debt Dynamics: Rising interest rates significantly impact debt, from personal loans to national debt. Understanding the relationship between interest rates and debt is crucial for making informed financial decisions.2. Bond Market Volatility: The bond market, which includes both individual bonds and bond funds, is sensitive to interest rate changes. Bond prices can fluctuate, affecting the value of bond investments.3. Government Debt Concerns: The national debt, particularly in the United States, is growing, and the cost of borrowing for the government is also increasing. This can lead to a cycle where higher interest rates make it more challenging to manage the national debt.Summary of the VideoIn this video, we delve into the impact of rising interest rates on various forms of debt, ranging from personal finances to national debt. We discuss the importance of comprehending how interest rates affect debt and discuss the dynamics of the bond market, where bond prices can fluctuate due to interest rate changes. Additionally, the video touches on concerns related to the growing national debt and how higher interest rates can create challenges in managing it. Understanding these concepts is essential for making sound financial decisions in an environment of changing interest rates.
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The Benefits of Target Date Funds - A Guide to Retirement Investing
Information about Anne can be found online: https://annelester.com
3 Bullet Points with Takeaways - Target date funds are an effective retirement investment option, especially for those who prefer a hands-off approach to managing their portfolios. - These funds follow a "glide path" that gradually shifts the allocation from high-risk assets (like stocks) to lower-risk assets (like bonds) as the investor approaches retirement age. - By simplifying investment decisions, target date funds help individuals avoid emotional pitfalls and achieve a balanced, diversified, and more reliable retirement savings.
Summary In this informative video, Anne Lester, a former head of Retirement Services at JP Morgan, discusses the benefits of target date funds as a reliable option for retirement investing. Target date funds work on a "glide path," adjusting the asset allocation over time, becoming less risky as the investor nears retirement age. This feature helps mitigate the impact of market volatility and emotional decision-making, as the fund's allocation is professionally managed.
Anne highlights the importance of diversification and touches on the significance of providing a simpler investment approach for individuals who may not have the time, interest, or expertise to actively manage their retirement savings. Target date funds offer a do-it-for-me option that helps remove the burden of decision-making from individual investors.
Moreover, she explains the considerations in selecting the appropriate target date fund based on factors like desired retirement age, risk tolerance, and financial goals. The video emphasizes the significance of long-term planning and staying committed to the retirement savings strategy, while discouraging common pitfalls like early withdrawals and frequent adjustments.
In conclusion, target date funds are a valuable tool for individuals seeking a reliable and low-stress way to build their retirement savings. The simplicity and automatic adjustment of asset allocation make these funds a suitable choice for many investors who wish to secure a financially stable retirement future.
Watch on YouTube: https://youtu.be/XOR3FnKQ6JM
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Callers Get It Wrong | Medicaid & Medicare
Common Misunderstandings About Medicaid & Medicare | I Answered Callers Live
In This Video: - There have been changes in the Medicare and Medicaid world, and the book addresses these changes. - There is a process called Medicaid redetermination that is being implemented nationwide after a public health emergency. It involves re-examining the qualifications of Medicaid recipients. - Medicaid recipients are receiving letters with questions about their financial resources for re-qualification. - Medicare has notable changes related to prescription drug benefits, and there are ongoing concerns about the financial sustainability of the program.
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Estate Planning Mistakes and How to Avoid Them | Insights from Sanford Mall, JD
Sandy and I have known each other and have worked together for years. This video features an interview with elder law attorney Sanford Mall, discussing the importance of legal documents such as trusts, wills, and medical directives. The conversation highlights the significance of having a medical power of attorney and a financial durable power of attorney to make decisions on one's behalf when unable to do so. It emphasizes the need to avoid probate court by utilizing a revocable living trust and properly funding it. The interview also addresses the importance of keeping estate planning documents up to date and tailoring them to individual circumstances.
Legal documents like trusts, wills, and medical directives are crucial for individuals to protect themselves and their assets. A medical power of attorney allows a chosen representative to make healthcare decisions when a person is unable to do so, while a financial durable power of attorney appoints someone to handle financial matters. Utilizing a revocable living trust and properly funding it can help individuals avoid probate court and maintain control over the distribution of their assets.
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How To Solve Your Caregiving Crisis
Guest: Annalee Kruger, Founder of Care Right Inc (https://carerightinc.com)
In This Broadcast In this video, Anna Lee Kruger, the president of Care Right Inc, discusses the caregiver crisis and the importance of proactive planning for aging parents. She emphasizes the need for families to have open communication and create an aging plan to ensure the best quality of care for their loved ones. Anna Lee explains that her consultancy company offers services to educate and guide families through the process, including creating a care matrix, researching care options, and providing ongoing support.
Highlights - The caregiver crisis exists in every location, and it is essential for families to address it proactively. - Open communication and creating an aging plan can help avoid caregiver burnout and family conflicts. - Care Right Inc offers consultancy services to educate and guide families in making informed decisions about care options and implementing an aging plan.
From Annalee: We know it takes courage to inquire for help with aging loved one's care needs. If the message in this podcast hit home for you and your family, we welcome you to schedule a complimentary 30-minute consult. Those who do schedule a consult, will receive a copy of Annalee's book, The Invisible Patient: the Emotional, Financial, and Physical Toll on Family Caregivers, which is jam-packed with tips and tools, including scripts for family meetings, understanding dementia, understanding caregiver burnout, checklists for touring care communities and how to interview home care companies, and much more. Mention this podcast when you schedule your consult at www.CareRightInc.com or call Annalee directly at 239.770.6322
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Women & Finance | My Interview With Kate Daniels, WARM106.9
Introduction:
- In this informative conversation, Kate Daniels welcomes Jae Oh, a certified financial planner and chartered financial consultant, to discuss the complexities of retirement, Medicare, and the role of women in managing these aspects within families.
- Jae Oh is the author of the best-selling book “Maximize Your Medicare,” which provides valuable insights and guidance on navigating the ever-shifting Medicare landscape.
- The discussion highlights the importance of early planning, especially for women who often shoulder the responsibility of caring for senior family members and face the challenges of deciphering the intricate world of Medicare.
Description:
In this engaging conversation, Kate Daniels sits down with Jae Oh, a renowned expert in retirement planning and Medicare. As the author of the best-selling book “Maximize Your Medicare,” Jae provides valuable insights into the ever-changing Medicare landscape and shares practical advice on navigating the complexities of this vital healthcare program. The discussion revolves around the role women play in managing Medicare and retirement planning within their families, emphasizing the need for early preparation and understanding.
Jae underscores the overwhelming responsibilities faced by women as caregivers for senior family members and highlights the importance of addressing healthcare cost planning well in advance. He stresses the significance of distinguishing between health insurance and healthcare, explaining that while Medicare serves as a solid foundation, additional considerations and choices need to be made. Jae also emphasizes the need for comprehensive financial planning, including protected lifetime income, to ensure a secure and fulfilling retirement.
With a commitment to educating and empowering everyday individuals, Jae offers practical resources and guidance through his book and website, “Maximize Your Medicare.” He encourages readers to proactively seek information and ask questions to make informed decisions. By understanding the intricacies of Medicare and healthcare cost planning, individuals can confidently shape their financial future and lead the lives they desire.
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Guest: Robert Powell, CFP, Financial Journalism Legend
Summary Bullet Points:1. Key takeaways from a retirement planning conference, emphasizing the importance of focusing on the process over the product.2. Addressing the advice gap and the need for comprehensive financial guidance for individuals with limited retirement savings.3. Highlighting the liability side of retirement planning, including healthcare cost planning, and the limitations of current technology in accommodating complex spending patterns.Introduction:In a recent conference, financial journalist Bob Powell and host Jae Oh, Education Fellow at the Alliance For Lifetime Income, provided valuable insights into retirement planning and the need for comprehensive financial advice. This article summarizes their discussion, highlighting key takeaways and addressing the challenges faced in the financial services industry.Process Over Product:One key theme discussed was the importance of focusing on the process rather than the product in retirement planning. The process of creating a tailored plan for each individual, considering their unique needs and circumstances, was emphasized as crucial. This approach allows financial advisors to provide clients with the perfect plan suited to their requirements, even though there may not be a universally perfect product. By encouraging the audience to understand the significance of the planning process, they can make informed decisions about their retirement.Addressing the Advice Gap:The conversation also delved into the issue of providing financial advice to individuals with fewer resources. While there is ample assistance available for those with substantial assets, the majority of Americans who have limited retirement savings often lack access to comprehensive guidance. This advice gap poses a significant challenge for the financial services industry, and the discussion called for solutions to bridge this gap. Exploring the role of technology and raising awareness about its limitations were among the proposed solutions. By encouraging viewers to like and subscribe to the channel, they can stay informed about potential solutions and developments in this area.Liability Side of Retirement Planning:The liability side of retirement planning, specifically healthcare cost planning, was highlighted as a critical aspect often overlooked. Evaluating costs and liabilities, just as one would with revenue and assets, is vital for comprehensive financial planning. Attendees acknowledged the importance of understanding expenses, including potential declines and increases, throughout retirement, highlighting the need for careful budgeting and personalized analysis. By subscribing to the channel, viewers can gain valuable insights into the liability side of retirement planning and ensure they are adequately prepared for potential healthcare costs in their retirement years.Technology and Complexity:The limitations of current technology in accommodating the nuances of spending in retirement were discussed. Although some platforms exist, they often fail to account for the real basis of spending, declining patterns, and rising healthcare expenses. The complexity involved in retirement spending necessitates a deeper understanding and personalized approach that technology struggles to provide. By staying connected with the channel, viewers can stay up to date with the latest developments in retirement planning technology and gain insights into how to navigate the complexities of retirement spending.Conclusion:The conference conversation shed light on the significance of the planning process, the need for tailored advice, and the challenges faced in retirement planning. Like and subscribe to our channel today!
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Medicare Simply: Insider Updates, Book Revisions, and Expert Insights
SummaryThis video from Jae Oh, CFP, Author of Maximize Your Medicare, discusses various topics related to financial planning, Medicare, and healthcare costs. The host explores the capabilities of ChatGPT, provides updates on Medicare communication and book revisions, shares takeaways from an education conference, and highlights the importance of understanding one's health status. They discuss the implications of Medicare eligibility for married couples, the role of artificial intelligence in providing information and introducing concepts, and the significance of considering long-term care insurance. The video also touches on health savings accounts, the importance of a healthy lifestyle, and planning for out-of-pocket costs. The host emphasizes the need for personalized advice from financial advisors with expertise in healthcare costs and highlights the complexity and potential cost implications of mistakes in Medicare planning. Finally, they discuss upcoming changes in Medicare rules and the impact of marketing on consumer decision-making.
Highlights- ChatGPT capabilities and using artificial intelligence for financial information - Updates on Medicare communication and book revisions - Takeaways from an education conference on protected income and financial planning - Importance of understanding one's health status for healthcare cost planning - Medicare eligibility and considerations for married couples - The significance of long-term care insurance and its implications- Exploring health savings accounts and flexible spending accounts - The role of a healthy lifestyle in healthcare cost options - Planning for out-of-pocket costs and the complexities of insurance contracts - The value of consulting a financial advisor with expertise in healthcare costs - Upcoming changes in Medicare rules and the impact of marketing on consumer decisions CONNECT:🔥 Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s📆 Your private appointment https://calendly.com/justjae/ 📖 Book website: http://www.maximizeyourmedicare.com🐦Twitter: https://twitter.com/JaeOhCFP🐦Twitter: https://twitter.com/MaxYourMedicare#Medicare #MedicareExplained #MaximizeYourMedicare— Maximize Your Medicare by Jae OhNot affiliated with any governmental agency. All insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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How I'd Fix Medicare Advantage
SummaryIn this podcast, Jae Oh discusses the complexities of Medicare Advantage and the difficulty in controlling healthcare costs due to the entanglement of stakeholders in the US healthcare system.HighlightsThe largest voting block in the US is now Millennials, not Baby Boomers.The American Association of Millennials could change the pricing structure of health insurance.The CMS funds Medicare Advantage to control healthcare costs.Untangling stakeholders in the US healthcare system is difficult due to entanglements.I propose a simple solution to control healthcare costs resulting from Medicare Advantage.Insurers may have exploited Medicare for billions.Healthcare costs can be hidden behind diagnosis and actual cost.
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Another Tense Weekend | What I'm WatchingLet's see what AI thinks of the podcast.
Jae Oh discusses the serious and global ramifications of the current financial crisis, particularly with the potential failure of Credit Suisse, which could have cascading effects on other banks and investors. He also discusses the issue of mid-sized banks having risky and illiquid assets, such as commercial real estate, that they cannot accurately value or sell under stress. Mr. Oh also briefly mentions a Vanguard investment with a good return, but notes the increased volatility of interest rates.
Overall, Jae Oh provides technical yet accurate descriptions of the current financial situation and its potential impacts.
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Silicon Valley Bank And You
In This Broadcast:
- Introduction
- Silicon Valley Bank Fails: What Happened
- How This Can Affect Your Everyday Life
- How This Can Affect Your Financial Plan
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Are Medicare Brokers Acting In Your Interest?
The Commonwealth Fund is Best In Class, that is indisputable.
Largely right, I provide further details. I said 'largely,' not completely.
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Financial Markets Stability, Medicare & Politics
You can watch the video versions on YouTube
Medicare Video and separately, Financial Markets Stability Video
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Medigap Explained 2023 | Plans F, G & N
0:00 Introduction
2:05 Medigap coverage basics
4:15 Plan F and Plan G
7:45 Plan N
11:15 Plan N and out of pocket costs
15:04 Stress on the Medicare system
18:00 Plan G rate increases higher?
27:32 Plan N vs Medicare Advantage
29:00 Medicare Advantage
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What I Told Esquire Mag & This Great Strategy Article
As part of the Alliance For Lifetime Income (protectedincome.org), I agreed to an interview with Esquire magazine and journalist Michael Clinton (author of Roar). Here's your secret: I consistently tell people my message on Jae's Corner.
iShares 2023 Outlook. This is a must read, and here's the link (click here).
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personalfinance #finance #talk
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I Gave ChatGPT Two Personal Finance Quizzes
I asked questions about:
- Active Indexing
- Medicare
I wasn't overly impressed. It's good for general ideas, but on the specific details were absent or wrong. This can create problems.
Hopefully, since it is AI, it will learn.
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personalfinance #finance #talk
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Three Things You Need To Know | Financial Basics
Every age division is having its separate issues.
Here's a short list:
- Employment no longer lasts a lifetime
- The sandwich generation faces the largest risk of all
- Current retirees don't have time to ride out storms.
This Northwestern Mutual report tells us that Gen-Z is on the ball: https://news.northwesternmutual.com/planning-and-progress-study-2022
Even before that, there are PRINCIPLES that every age division needs to know.
- Intuition behind formulas is more important that solving equations
- Avoid behavioral biases which exist in all of us
- We can think that we are certain, but what if we are wrong? You need to stay open-minded
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personalfinance #finance #talk
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Insurance Deadlines Are Here and Year-End Planning
I have told young people: time and money, these two should not be confused to be your friends. They aren't. You don't have enough when you need them the most. That's the issue.
In This Podcast:
- Health insurance & Medicare enrollment windows are closing rapidly
- Thank you to those that are looking after the seniors
- Year-end financial planning topics can affect your health insurance/Medicare premiums
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personalfinance #finance #talk
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Robert Powell Returns | Be My Guest
Special Guest: Robert Powell, Editor of Retirement Daily, thestreet.com
You can see Bob's articles everywhere nationwide. He has spent over 30 years in the journalism business, as contributor to the USA Today, and now, as the Editor of Retirement Daily, part of thestreet.com. You can see his work here: https://www.thestreet.com/retirement-daily/
We take a deep(ish) dive:
- Should you save when you are young? The changing world of spending, saving, and investment.
- Should we be concerned over what happened in the UK bond markets?
- Medicare Advantage vs Medigap: should Bob and I be more opinionated?
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personalfinance #finance #talk
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Annuities Demystified
Guest Suzanne Norman, Certified Investment Management Analyst® (CIMA®)
In this podcast:
- What Is An Annuity?
- Why Are Annuities So Confusing
- The Role Of An Advisor
Suzanne can be reached here: https://suzannenorman.com
What a great guest (there will be more from Suzanne soon)!
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personalfinance #finance #talk
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Women's Role In Household Finance | Suzanne Norman, CIMA
Suzanne Norman, (CIMA®) CIMA (Certified Investment Management Analyst®, has a wealth of professional experience in the male-dominated world of finance. Now, she has turned her energy into educating both enterprises and individuals. She brings her unique perspective as a woman who face the multi-layered challenges of women as they juggle work, the goals, and extended family responsibilities.
Suzanne can be reached here: https://suzannenorman.com
What a great guest (there will be more from Suzanne soon)!
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Special Edition | My Interview With Jean Chatzky, Alliance For Lifetime Income
Jean Chatzky is a high-profile, well-known author of many financial planning books. She is a very polished host, I was her guest on Facebook and LinkedIn. My challenge is that we will always run out of time, I have to manage the narrative within the time restraints, and the audience. So, I doubled-back and added comments.
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Medicare AEP Begins and Thursday's Crazy Market Moves
Medicare's Annual Election Period begins October 15th.
Thursday, October 13th was one for the ages, a 5% market reversal.
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The Case For Gold In Financial Planning | Be My Guest
Stephen Flood is the CEO of Goldcore, and he advocates an allocation into gold. His comments, his rationale, are here. Jae's Corner is grateful for his appearance!
In This Podcast:
- 0:00 Introduction
- 5:00 What Is Going On In The UK???
- 15:00 The Case For Gold
- 22:00 Uber-nerdy Talk About Financial Instruments
- 40:00 Crypto-currency vs Gold
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Medicare Season Arrives
The mail will begin, en masse. Don't forget the Medicare ABC's live webinar on October 2nd, I will be able to look through plans online, in addition to the information-only session on Medicare Parts A & B, Prescription Drug benefits, Medicare Advantage, and Medigap.
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Medicare 2023 Preview
Medicare 2023 Preview | What's Next?
My interview with radio guest host Art Lewis, WSGW. We don't have a script, he doesn't accept a "list" of questions of topics, I have to just roll with it. The HUGE PLUS? Art is #1 when it comes to questions that everyday do (and should) ask.
We discuss:
- Inflation Reduction Act
- Vaccination costs
- The upcoming Medicare Annual Election Period
- Medicare Webinar on Oct 2, 2022 (Paid newsletter subscribers)
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Inflation Reduction Act & Jackson Hole | Big Updates
Inflation Reduction Act | Who Won, and Why? Medicare beneficiaries are the clear winners here. The details in this video. Even more powerful than the actual changes is the resulting stability to peoples' retirement plans.
(Reuters) - Federal Reserve Chair Jerome Powell will address the annual global central banking conference in Jackson Hole, Wyoming, on Aug. 26, a highly anticipated speech that could signal how high U.S. borrowing costs may go and how long they will need to stay there to bring down soaring inflation. Powell, in what will be his fifth year speaking at the event, will talk about the economic outlook at 10 a.m EDT (1400 GMT), the U.S. central bank said on Thursday.
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Half A Million New Jobs & CPI Data Is Next
Video Link to this Episode: https://youtu.be/I5yzE1I__4c
Topics:
a. Democrats Agree Medicare
b. Part D Premiums Lower in 2023
c. Jobs Runnin' Hot: CPI Up Next
Annuities: https://youtu.be/rpsiic6lP6A
Life Insurance as Retirement Planning Tool: https://youtu.be/i7IyBD6xBkg
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Obamacare Subsidies Saved?
The world changes, and you need to stay up to date. For now, this looks likely, but there are many steps to take.
Even then, the question is how fast can this relief come into effect? That is up to the lawmakers and those that plan the design of Part D and MAPD plans.
For the ACA, looks like an extension agreement has been reached. WHEW.
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The Fed Delivers | What A Week, Now What?
Not financial advice, dyor.
The Federal Reserve raised interest rates, but it's what the Chairman said that mattered.
Financial markets rose dramatically, but why?
The week that was (the remainder of the day is not for individuals). And a look forward.
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Wild Week Ahead | The Fed, GDP, & Earnings Reports
In This Podcast: It is going to be a series of enormous events.
- a. It's been a very difficult past 12 months: Public pensions have reported terrible results
- b. The Federal Reserve will meet
- c. 1/3 of the S&P 500 will report Q2 earnings
- d. Mr. Market has given some people a reprieve, will it last? Very, very unclear. I will present multiple angles
You can watch the video here: https://youtu.be/GDxOwaOPEH4
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Medicare Proposes Cuts To Doctors' Pay: Uh Oh
Pay Cut For Doctors Medicare proposes a 4.4% pay cut to doctors. That, in the age of inflation, may (or may not) have ripple effects. We will see. Possible ripple effects are explained here.
a. What is a Part B Excess Charge?
b. How would this affect Medigap?
c. Why a lot of the information regarding Plan N vs Plan G is incomplete, or unsupported by logic and facts.
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Recession Looms | Understanding COBRA
Video link here: https://youtu.be/OEVAm1Ps35A
My interview on thestreet.com along with my additional comments. In any interview, there are time constraints that I need to deal with, and some extra information can be very helpful.
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Supreme Court And Medicare
While the headlines out of the Supreme Court are dominated by one ruling, Medicare has been affected by two other rulings.
You can see my comments on YouTube here: https://youtu.be/39jjzfZyWmc
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Medicare Financial Assistance | Public Service Announcement
Medicare Financial Assistance | Public Service Announcement New York Times article reveals a stunning fact about Medicare Savings Programs and Extra Help, financial aid to Medicare beneficiaries.
Link to article: https://www.nytimes.com/2022/05/20/business/medicare-retirement-health-care.html?smid=tw-share
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Medicare Beginner's Corner | My Interview On Nassau Community College Radio
Professor Jeanine Cook-Garard from the Nassau Community College Nursing Department discusses health issues concerning all of us.
I liked this interview because Dr Cook-Garard has experience in knowing that all health situations are not the same, and obviously has the ability to separate health care from health insurance.
Thanks to her, Nassau Community College, and WHPC 90.3
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Financial Markets Update And Financial Planning
Financial markets are off to a very difficult start, to put it mildly.
In This Podcast:
- How Market Prices Are Determined
- The Different Layers Involved in Financial Planning, and A Portfolio's Role
- Is It Too Late To Change?
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Medicare For Beginners | Where & How Do I Begin?
In This Video:
- What Medicare Is
- Why Medicare Is Important
- How Medicare Works
- How Medicare Fits In Your Finances
Thanks to LA Talk Radio for having me as a guest!
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Inflation, Housing, The Fed, and & Your Financial Plan At All Ages
Inflation Burns I appeared on a broadcast, with Art Lewis, radio host of WSGW. He veered to my observations on the economy and inflation. It would've taken HOURS to discuss. In this video, I interjected what "I could've said, if time constraints didn't exist." Every age division, every financial situation will be affected. That should be obvious. To what degree? That remains to be seen.
ALL OF THESE WILL BE AFFECTED:
- Housing Market
- Financial Markets
- Financial Planning
Better to be aware, and not be blindsided. Ask you questions, leave your comments!
Don't Forget!
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personalfinance #financialplanning #retirement—Jae's Corner by Jae Oh
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Money Basics: Avoid Inaccurate Definitions and Narratives
Even Experts Make Big Money Mistakes | How To Avoid
Poker isn't Roulette, there is heavy-duty estimation involved. For poker pros, it's second nature. It was odd, to say the least, that a poker professional discarded (mucked) the logic he has used well over a million times, studied for years, and discussed ad nauseum.
Reason I understood what Bill P could do? Because I use the same thought process in personal finance situations, 100% of the time. Estimation, costs, variance of outcomes, financial impact, when there is uncertainty involved. There is a framework, securities markets (I am a fixed income derivatives trader , originally) have existed to frame the cost, around the world.
Landon T probably didn't realize that Bill P already understood, or maybe they did, and disregarded their thoughts in the interest of creating a spectacle (that worked). But, he and his team ultimately decided to resign. Correctly, is the only real, rational decision. In personal finance, people make the same errors that the poker pro made, all the time. They have used their years of common sense to survive, and yet when the mystery of money is the topic, the rules they have learned? Poof, discarded, inexplicably. Then again, the poker pro redeemed himself, after regaining his bearings, he adjusted to a new set of facts. So can you.
Link to Landon Tice's comments on Solve 4 Why's Only Friends Podcast Ep 3: https://youtu.be/rPUnjn3j3Jw
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poker #pokervlog #personalfinance —Jae's Corner by Jae Oh, CFP
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Medicare Questions Answered | My Latest Interview
Art Lewis WSGW radio show host, is an expert interviewer, I have appeared on his shows over two dozen times.
But, whenever I appear in an interview, I always have ideas that I could've been better.
So here, I divided the questions that Art asked. Then, I cut in, to comment on the question, and my answer, as given on live broadcast.
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MaximizeYourMedicare #medicareexplained #medicare -Maximize Your Medicare by Jae Oh
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Medigap and You (2022)
Medigap is popular, for good reason.
- Cost-sharing means that your out-of-pocket costs are limited after you satisfy paying the Part B deductible.
- The coverage must stay the same over time, the only party that can cancel is you.
- Any healthcare provider that accepts the federal Medicare card will accept your Medigap plan.
Premiums can change, but:
- It is very difficult to find the accurate premiums across carriers.
- People do not understand what drives premiums.
- Medical Loss Ratio must be satisfied.
- Competition exists not only among Medigap carriers, but now, the improvements to Medicare Advantage have made put tremendous strain on Medigap carriers.
It's easy and perhaps attractive to think that other narratives sound right, but...nah.
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Medicare #Retirement
— Maximize Your Medicare by Jae Oh
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Life Insurance As Retirement Planning Tool
Important: the video will ONLY appear on Jae's Corner, and podcast listeners get the episode first.
YouTube video: https://youtu.be/i7IyBD6xBkg
When people think about the phrase "life insurance," they usually think about funeral expenses. However, that is only part of the story.
Indexed Universal Life can be used, but with so many carriers and plans, you need to understand "what's in there." There are enormous differences, both risks and rewards, among the dizzying number of choices.
Once you understand what to look for, actually choosing and executing, in the amount that fits your situation, is a separate, vital step.
Don't forget to subscribe and leave your comments / questions!
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moving #personalfinance #money— Jae's Corner by Jae Oh
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Medicare Advantage in 2022: What You Need To Know
Link to YouTube Video: https://youtu.be/EpB5zFSzW1Q
Medicare Advantage is getting larger, and will be greater than 50% of 63MM Medicare beneficiaries. Medicare Advantage just received a 8.5% raise in funding from the current administration. There is a lot of noise, fragments of truth out in the world. Here's how to stay even-handed so that you can evaluate the many options.
Here's What You Need To Know
- Medicare Advantage Carriers Run The Show
- Networks Vital
- How To Lower Costs
- Medigap vs. Medicare Advantage
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moving #personalfinance #money— Jae's Corner by Jae Oh
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Moving? What You Need To Know
It's not only the price of real estate which might be shocking. There's more, a lot more.
Homeowners' Insurance
Auto Insurance
Health
Medicare
Your will / trust
These are BIG items, and people aren't fully aware of the details. This can result in hidden costs, or hidden opportunities to save a lot of money.
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moving #personalfinance #money— Jae's Corner by Jae Oh
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March 31 Is An Important Medicare Date and Vanguard Lawsuit
You can: a. Cancel Medicare Advantage and return to Original Medicare (you'll need to be careful, especially now). b. Change Medicare Advantage plans (must be a current Medicare Advantage policyowner) c. Change Medicare Advantage plans and select enhanced benefits packages at the new plan.
Vanguard Lawsuit: What Happened?
Link to CNBC article: https://www.cnbc.com/2022/03/15/vanguard-created-big-tax-bills-for-target-date-fund-investors-lawsuit-claims.html Actually, mutual funds, target-date retirement funds, robo-advisors, and certain ETFs can create unrecognized issues...until it's too late. Those issues can be larger than the benefit, depending on the situation. Yikes.
Short Term Disability Insurance | Is It Worth It?
"Millennial Jae" would definitely look at this. The probability of this occurring is "relatively high." The benefits pay the soonest, at the time it is most likely needed. That BALANCE makes it worth the look. While I don't suggest choosing this (or any financial contract without professional guidance, insuretech is moving forward on all fronts, full-steam ahead. Individual short-term disability has been difficult to locate, but with technology and the competitiveness of the market, I would highly suspect that will change, quickly.
Connect:Affiliate, no-obligation link: https://bit.ly/34O8EwYNote: With every signup to Haven Life Insurance Agency, we may be paid a referral fee.
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Individual Health Insurance | Interview With Josh Scandlen
My Interview on Josh Scandlen’s Channel
We review the free quoting tool for individual health insurance. Josh knows what to ask, and how.
He’s like the Pied Piper, it’s very clear why. He has the energy and enthusiasm that will appeal to many. He’s almost an OG of the book, he and I share the idea that “we don’t care where the money or costs originate, we are trying to help people realize that it is the overall amount that matters.” So, Josh has correctly understood that controlling expenses is the same thing as maximizing ‘portfolio returns.’
EVEN MORE
\There is an explanation beyond YouTube, exclusively for paid subscribers: https://jaeoh.substack.com/p/paid-subscribers-medigap-plan-g-vs?r=a1v4y&utm_campaign=post&utm_medium=web&utm_source=
CONNECT:
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MuchMoreThanMedicare
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Biden Budget Update, FEHB & My Interview on the Frankie Boyer Show
A LOT HAS CHANGED.
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Dental Vision and Hearing Are DOA (for now)
Medicare Annual Election Period Ends on December 7The least-recommended path is to wait. We have steps to complete to make sure that YOU are comfortable.
Complete this easy form to begin: bit.ly/2Zy7Zg2 FEHB LIVE WEBINAR:
Here's what I am going to cover, live, on November 8 at 5PM ET.
It's the largest group plan in the USA. For Paid Subscribers to the Substack. IMPORTANT: Not financial advice, BUT the WAY to compare, the inputs, can be applied to any situation where you need to consider employer-provided benefits. FEHB just happens to be the nation's largest.
I am intentionally setting myself out on the limb, so that you can see that the difference in decision are enormous. The issue is that most have no idea how to decide, even if the selection of plans and options was very limited. In the FEHB case, the sheer number is overwhelming.
I was interviewed on the Frankie Boyer ShowIt's a very very good beginner's corner interview.
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🐦Twitter: https://twitter.com/MaxYourMedicare #MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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Medigap vs Medicare Advantage | Does MAPD Cost More?
It is the #1 question for those new to Medicare
a. The noise is incredible
b. Even the highly-qualified present facts in a way that can be misunderstood
c. Then, there are paid advertisements and YouTube videos that are biased, which is misleading or unsettling.
Remember: there is no single "right" answer, and if anyone tries to tell you otherwise? That is a signal for you to move along....
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Twitter: @MaxYourMedicare
MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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My Interview With Jean Chatzky on Alliance For Lifetime Income
We appeared on Facebook Live on Sep 8.
Jean is a VERY experienced financial journalist, it is clear why she has had a long-standing following. With her experience and exposure, she was able to ask questions for a very wide audience, and in a way that was both spontaneous (we had no 'canned' script), and good for the viewer.
Jean has a podcast called "HerMoney with Jean Chatzky" here's link to her world: https://jeanchatzky.com/
Jean's FB page: https://www.facebook.com/JeanChatzky/
Thanks to Jean and the Alliance For Lifetime Income for having me as their guest!
Your first call has no-obligation and is FREE https://calendly.com/justjae/
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🐦Twitter: https://twitter.com/MaxYourMedicare
MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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Media Buries the Medicare Lead | Maximize Your Medicare Weekly
Dental, Vision & Hearing is NOT THE LEAD HERE.
Medicare eligibility age from 65 to 60 has an endless number of implications, seriously. Call it 15-20MM people instantly Medicare-eligible (5 yrs x 10k/day), none of which knows a stitch about Medicare (buy the book, duh).
The retirement planning timeline and calculations would be altered in entirely (full set of stuff on that is on www.gh2benefits.com). How are they going to pay for this remains an open question. Yes, I have known this would be the case, downplayed it because it wasn't clear that this change would 'make it,' and this isn't final.
Your first call has no-obligation and is FREE
https://calendly.com/justjae/
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MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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Special Guest: Danielle Durack, Singer / Songwriter
How she arrived here: Danielle Durack is a client of GH2 Benefits, she took advantage of the American Rescue Plan, and it allowed her to access health insurance, in a high-cost location (AZ).
Oh wait one more: she listened to her brother. That brother has a friend. That friend has a mother, is a friend of another woman. That woman works for a long-standing client. Moral: my book & media appearances blahblah don't mean too much.
We Are Quite Alike (Other Than She Is Younger With More Talent, There's That)
The list is much longer than you might think.
a. She has a message, so do I, it's a question of attachment.
b. There are many, many associated tasks that Danielle will describe in the full interview: they look stunningly similar to mine, even after my book went from self-published to published.
c. Danielle is sticking to her guns with idea that someone will "get it." AHA
GH2 is short for Great Hope, Great Humanity: we have every reason to support her ongoing work. It's a privilege to know her.
https://www.danielledurack.com
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Medicare 2022: My Preview & Medicare Enrollment Problems
In this podcast:
a. Free copy of my published book and Medicare 2022 Preview on October 2, 2021.
b. Hospital prices are supposed to be transparent: good or bad?
c. You may think that Medicare enrollment is simple: that was never true, (yet) another example
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MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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Carrier Answers MY Questions 4 Times In A Row 😡😬 | DIY Doesn't Work
In This Broadcast:
a. COVID means that international travel requires extra steps
b. An Attorney (highly qualified one) has an elder parent who moves, and the problems begin
c. A highly-respected think-tank gets it wrong, and this is a problem.
medicare #healthinsurance #JaeOh
email: info@gh2benefits.com Phone 855. 463 9688
Your first call has no-obligation and is FREE https://calendly.com/justjae/
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CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
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MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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**Travel & Immigration Under COVID | Guest: Susan Im, Immigration Lawyer
COVID has changed our lives, and perhaps permanently.**I spoke with Susan Im, experienced immigration attorney about how things have changed.
a. International travel rights
b. Immigration to the United States
c. How wrongly-formulated ideas Include immigration (and ideas around financial contracts as well, hmmm) About Susan:
Susan Im earned her B.A. degree from the University of Michigan and her J.D. degree from Wayne State University Law School. Following graduation, Susan worked as litigator in a large firm but left to build a successful solo immigration practice and thereafter a boutique immigration and employment law firm with labor and employment law colleagues, which eventually merged with a larger multi-practice firm in Grand Rapids.
**Website link to Susan's firm: https://www.imlaw.biz/
Resources:** GH2 Unfiltered: https://www.gh2unfiltered.com
Financial Basics for All: https://bit.ly/3vohGJe
Retirement and Medicare: https://bit.ly/3yEG0IY
email: info@gh2benefits.com Phone 855. 463 9688
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🐦Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Dental, Vision, Hearing To Medicare? | Weekly Update
In This Podcast:
Individual Health Insurance Deadline August 15, Days Away
Medicare ABCs Masterclass only available on www.gh2unfiltered.com
Dental, Vision & Hearing Added to Original Medicare? Looking Promising Interview on thestreet.com
medicare #healthinsurance #JaeOh
Ask Us, time is running out quickly. email: info@gh2benefits.com Phone 855. 463 9688
Your first call has no-obligation and is FREE https://calendly.com/justjae/
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🐦Twitter: https://twitter.com/JaeOhCFP
🐦Twitter: https://twitter.com/MaxYourMedicare
MuchMoreThanMedicare— Much More Than Medicare by Jae Oh
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Britney & Guardianship: What Is Guardianship, Anyways?Special Guest: Kim Browning, Attorney
Kim is an attorney in Michigan, we speak about the Britney Spears case regarding her attempt to repeal her guardianship, which currently sits with her father.
Importantly, we discuss the following.
- What Guardianship is
- The Britney Spears Guardianship Saga
- Are There Legal Documents That You Should Have To Prevent This Situation?
- What Happens In An Emergency?
About Kim Browning:
Kim serves on the State Bar of Michigan's Guardianship, Conservatorship & End of Life Committee. Also, I've been selected by Super Lawyers 2019-2021; Best Lawyers "One to Watch" 2021; Hour Detroit Top Attorneys, Outstanding Young Women Lawyers in Michigan 2020 and frequent speaker and ICLE contributor. Kim can be reached at: 1-888-554-5373 Website: https://www.glfpe.com/
Resources:GH2 Unfiltered: https://www.gh2unfiltered.com
Financial Basics for All: https://bit.ly/3vohGJe
Retirement and Medicare: https://bit.ly/3yEG0IY
email: info@gh2benefits.com Phone 855. 463 9688
CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
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🐦Twitter: https://twitter.com/JaeOhCFP
🐦Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Financial Fluency and Medicare Part D Late Enrollment Penalty
In this podcast:Part D Late Enrollment Penalty (my interview)
My Comments On Why People Get Confused: They Have It Wrong, From The Jump
Your free individual health insurance quote: https://bit.ly/3doHsGJ
Medicare Enrollment Resource Guide: https://bit.ly/2VDEJCF
Ask Us, time is running out quickly.
email: info@gh2benefits.com Phone 855. 463 9688
GH2 Unfiltered: https://www.gh2unfiltered.com
Financial Basics for All: https://bit.ly/3vohGJe
Retirement and Medicare: https://bit.ly/3yEG0IY
Maximize Your Medicare Podcast: https://maximizeyourmedicare.com/podcasts/
CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
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🐦Twitter: https://twitter.com/JaeOhCFP
🐦Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
What YOU Can Learn From A Poker Pro's Errors | Financial Fluency
Lots and lots of people attempt to equate the term 'gambling' wrongly. Poker is a probability-adjusted game. NOT pure randomness, with inferior payouts, like roulette. Landon Tice VS Bill Perkins High-Stakes Showdown received a lot of attention in the global poker community. Poker pro Landon Tice "spotted" Bill Perkins, "businessman," 9 big blinds for every 100. Perhaps he simulated what the difference should be. Perhaps not.
However, the issue is that the OTHER rules sharply limited Landon's inherent advantages. Takeaway for everyday people: Landon likely didn't realize the full extent of these limitations, until he was locked in. THAT IS EXACTLY THE ERROR THAT PEOPLE MAKE REGARDING FINANCIAL MATTERS. This is particularly strange, since he uses the identical thought process, every single hand.
Even huge insurance carriers have made, principally, the same mistake.
a. Long-term care insurance is now all-but-extinct
b. ACA carriers (coops) failed entirely
Note: There isn't any doubt about Landon Tice's command of poker. Here's an example: https://youtu.be/KHqVp7dJsTA Impossible to invent those explanations on the fly. No way. And, he seems like a v cool guy.
poker #financialliteracy
OtherI hijacked the background picture of the thumbnail from well-known Joe Ingram, check out his channel here: https://www.youtube.com/user/joeingram1
Your free individual health insurance quote: https://bit.ly/3doHsGJ
Medicare Enrollment Resource Guide: https://bit.ly/2VDEJCF
Ask Us, time is running out quickly. email: info@gh2benefits.com
Phone 855. 463 9688
GH2 Unfiltered: https://www.gh2unfiltered.com
Financial Basics for All: https://bit.ly/3vohGJe
Retirement and Medicare: https://bit.ly/3yEG0IY
Maximize Your Medicare Podcast: https://maximizeyourmedicare.com/podcasts/
CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
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Book website: http://www.maximizeyourmedicare.com
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🐦Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
COBRA, Unemployment Benefits & Health Insurance (Under Bidencare)
In This Broadcast:
0:00 Introduction and Medicare ABCs (Masterclass Edition)
3:17 COBRA and Bidencare: Important Updates
11:00 If You Have/Will Receive Unemployment Benefits, Health Insurance Discounts Available Now
Link to COBRA Document: https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/cobra-premium-assistance-under-arp.pdf
Your free individual health insurance quote: https://bit.ly/3doHsGJ
Medicare Enrollment Resource Guide: https://bit.ly/2VDEJCF
Ask Us, time is running out quickly. email: info@gh2benefits.com
Phone 855. 463 9688
Financial Basics for All: https://bit.ly/3fmYFRP
Financial Basics for All: https://bit.ly/3vohGJe
Retirement and Medicare: https://bit.ly/3yEG0IY
Maximize Your Medicare Podcast: https://maximizeyourmedicare.com/podcasts/
CONNECT: 🗞 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
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📖 Book website: http://www.maximizeyourmedicare.com
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🐦Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Advantage Report & Biden Orders An End To Surprise Medical Bills | Weekly Update
In This Broadcast:
0:00 Intro: Unemployment Benefits? Health Insurance Premiums Can Be Zero...
4:30 Medicare Advantage Looks Bad, But The Article Is Incomplete
14:27 Medicare ABCs on GH2 Unfiltered
16:09 Biden Orders An End To Surprise Medical Bills: Now The Hard Part, Getting It To Work
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Medicare 2022 Preview & See Me After Class | Weekly Update
In This Podcast:0:00 Introduction
0:49 Medicare ABCs is exclusively for GH2Unfiltered.com subscribers
1:50 Social Security COLA Projections Are Arriving, Don't Get Too Happy
6:43 Medicare Advantage competition will continue to grow
13:36 Medicare Advantage means you need to understand networks
17:36 See Me After Class (the banner is wrong): ACA & Medicaid opponents have earned an F-
Watch the YouTube Broadcast: Click here
GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site:Subscribe
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A Cohesive, Comprehensive Approach Is Best
Our YouTube era means that people want the complete answer in 10 minutes. That is fine if you want to get some overall ideas, BUT it cannot be a complete answer. My interview on thestreet.com with Robert Powell on thestreet.com
0:00 Introduction
1:45 Health Insurance is not the same thing as Health Care
5:14 The Integrated Approach
8:08 Healthcare Cost Planning Is Ongoing
12:50 Medicare Isn't Long-Term Care
17:00 Healthcare Costs and Retirement: Are The Statistics Real?
22:15 COVID
27:00 Medicare Trust Fund & Medicare Eligibility
34:50 American Rescue Plan
GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site:Subscribe
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Book website: http://www.maximizeyourmedicare.com
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Applying Yourself Can Go Very Wrong | Weekly Update
People will think it is for commercial reasons only. Nah.
In This Podcast:
0:00 Intro
2:30 Real-Life Case #1 Full-time employee, Medicare-eligible, loses health insurance
14:01 Real-Life Case #2 Married couple plans on retiring
23:29 COBRA works ONLY UNDER EXCEPTIONAL CIRCUMSTANCES and ONLY for a limited time
24:42 ACA Survives Another Supreme Court Challenge I have found the entire debate around the ACA distasteful. Both sides, supporters and opponents, have distorted all sorts of facts. Both sides have used individual facts to further their own extreme points of view, and the reasoning is frequently flawed. That leaves YOU as the innocent observer to the crossfire. Sigh.
GH2 Unfiltered: https://bit.ly/35B5g5m
Access to Medicare ABCs and other in-depth information that cannot be shared in public.
Keep updated by subscribing to the many free resources.
Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site:Subscribe
CONNECT with Much More Than Medicare:YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Our Services: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
**Medicare Information | Why Getting Fragments On YouTube Can Be A Problem
This Podcast is a Free Sample of the Information on GH2Unfiltered.com**
In This Broadcast:
Medicare information is consumed in fragments, and YouTube runs the video world. That can lead to a list of problems.
a. Wrong terminology used, leaving you in a haze where the terminology is EXACT and LEGAL in nature. "You know, I kinda sorta did that thingy..." >> This will not work. From there, the telephone game begins, "My friend watched this video on YouTube."
b. Statement not supported by facts. For example: rate increase of Plan G is equal to Plan N at the largest carrier in California.
c. Ignoring the Gamma Squeeze. Let's say I am the czar of the CMS: I would have very bad news for physicians, you are getting a pay cut, immediately. Their logical response? Charge the Part B excess, as allowed by law (and what any rational grandmother would tell their grandchild, right now, and what I tell my physician clients. "Look, you are minus $300K in educational debt, and you hold a knife for a living."
Keep updated by subscribing to the many free resources.
Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site:Subscribe
CONNECT with Much More Than Medicare:YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Our Services: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Isn't Scary | Never Forget These 5 Things
Watch on YouTube here.
In This Broadcast
0:00 Introduction
1:00 New, Improved Website | New Resources Center!
9:00 Individual Health Insurance Deadline Approaches
14:14 Is The Public Option Dead Already?
22:02 Medicare: Never Forget These 5 Principles
Keep updated by subscribing to the many free resources.
Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site:Subscribe
CONNECT with Much More Than Medicare: YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Our Services: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
**President Biden Released His Proposed Budget
In this podcast: my takes on these topics**a. Medicare eligibility age at 60.
b. Public option
c. Dental, vision, hearing coverage under Medicare
One thing is certain: these topics will be the subject of heated debate, and which segments are adopted is unknown at this time. Keep updated by subscribing to the many free resources.
Don't forget GH2 Unfiltered: the book is free, shipping included, for new subscribers to the subscription site:Subscribe
CONNECT with Much More Than Medicare:YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Our Services: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Understanding NBA Top Shot, NFTs & Cryptocurrency
To group them together, as if they are the same, isn't quite right. The digital sports trading card is called NBA TopShot, and the most expensive cards already costs more than $100,000. However, while you can change the technology, and that does affect the supply and demand, the "digital nature" of the NBA TopShot cards doesn't change the laws of supply and demand. The current market prices for NBA Top Shot Moments (especially the ones called Commons) have dropped dramatically, 70-80% and more.
Some of the reason is the initial hysteria, but there are other, more fundamental reasons. It is important to understand the fundamental economics in every situation when making financial choices. That goes for Non-Fungible Tokens (NFTs) and Bitcoin, but in VERY different ways. The differences radically changes the way that the markets should be understood. Note: This doesn't make me a hater at all (Disclosure: I have personally owned NBA TopShot Moments, and continue to do so, under the handle TheWookster0819). I have personally made over $4,400 on an investment of less than $200.
This Channel: We are likely to have an additional set of videos that deal with the digital, online nature of our world, and how it relates to financial literacy, for all ages.
NBATopShot #NFT #Bitcoin #Crypto
CONNECT with Much More Than Medicare:YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Book website: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Michele DeFilippo, Pioneer of The Self-Published Book Industry
Michele is a true pioneer. She created 1106 Design, one of the most highly-regarded organizations that help authors turn their dreams into reality.
In this broadcast:
a. How Michele got started in traditional book publishing.
b. The challenges that face aspiring authors and how to think about them.
c. How 1106 Design works, the services it provides, how it's different from the rest.
d. Michele's role as caregiver to her senior mother and her Medicare experience.
CONNECT with Much More Than Medicare:YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Book website: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Cryptocurrency's Wild Ride and Is Bidencare Better Than Medicare?
In This Podcast:a. Cryptocurrnency's Wild Ride and What Isn't Being Fully Told.
b. Is Medicare or Bidencare better? If Medicare eligibility is lowered to 60, would it be better than Bidencare today? One article says maybe not, but there are blanks that need to be filled in, before determining that.
Link to YouTube Video: Watch
Link to AP Article: Read
Link to Avalere: Read
Free, no obligation quoting tool: Check it out
Free 15-minute call: Schedule
CONNECT:YouTube Channel: Subscribe
Sign up for the free MYM Newsletter: Subscribe
Book website: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
My Interview on KGO San Francisco and The End of "Junk" Health Insurance? Maybe.
In This Podcast:
a. My Interview With Michael Finney, The Consumer Show, KGO Radio, San Francisco
b. Hospital Indemnity, Critical Illness, Short-Term Medical, Health-Sharing Plans Threatened By Bidencare? Yep.
Free, no obligation quoting tool: Check it out
Free 15-minute call: Schedule
CONNECT:YouTube Channel: Watch
Sign up for the free MYM Newsletter: Subscribe
Book website: http://gh2benefits.com
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
American Rescue Plan (ARP): Health Insurance Is Now Affordable
LIVE "Rethinking Retirement" Webinar May 18 2PM ET: Register
In This Podcast:
a. Enrollment timelines
b. Premiums can be MUCH lower
c. All age divisions
d. What if I already have a private plan?
e. When to Stay with your existing plan
f. COBRA
g. Get a quote to find the ballpark, but crossing the finish line is tricky
Free, no obligation quoting tool: Check it out
Free 15-minute call: Schedule
CONNECT:
YouTube Channel: Watch
Sign up for the free MYM Newsletter: Subscribe
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
BidenCare is Here and It Is Enormous...If If If
Every age division can benefit, from millennial to pre-retirement. The ripple effects are not smaller, they are bigger than just simply "lower health insurance premiums."
You can find out if you qualify: https://bit.ly/3doHsGJ
My interview with Art Lewis, legendary radio talk show host. He asks practical questions that everyone can understand, as usual.
Free, no obligation quoting tool: Check it out
Free 15-minute call: Schedule
CONNECT:
YouTube Channel: Watch
Sign up for the free MYM Newsletter: Subscribe
Book website: http://www.maximizeyourmedicare.com
Twitter: Follow JaeOhCFP
Twitter: Follow MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
This is a free broadcast of the subscription site GH2Unfiltered.com
Video broadcast version here: https://youtu.be/eYmDZmPMCbM
Subscribe to GH2Unfiltered hereGet your individual health insurance quote here (I will assist for $0).
**Update: The messages over the past month and videos on YouTube have unsurprisingly come true, all of it.
Here's the link to get a good estimate (it is not complete, you need to be careful):
Bottom Line: EVERYONE should check to see what the financial benefit to the ARPA could be.
The details of what's inside are now known. The IMPACT on every person's situation is now known.**
BidenCare is more expansive than the headlines state.
For that reason, I am very sure that "set it and forget here" is a 100% BAD IDEA, and I am also 100% sure that most people will disregard the prior sentence.
The COVID stimulus bill (America Recovery Plan, don't love the name) has also notably increased the health insurance subsidies.
The decline in premium can easily be larger than the $1400/$2800 check.Perhaps people will be too busy at BestBuy, as they buy newly-on-sale stuff for the sale price of....$1399.
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
BidenCare Tips: Premium subsidies can be larger than the stimmy, but...
How to get started: https://www.healthsherpa.com/agents/jae-oh/contact?_agent_id=jae-oh
This video contains important consumer tips on how to get the most from the American Rescue Plan Act. There is a sample to show you how sensitive it is (there is a reason that your first call is free). Please LIKE and SUBSCRIBE: this will not be the last.
The America Rescue Plan contains many powerful additions to the Affordable Care Act (Obamacare). Please know that even after this is understood, correctly choosing an individual health insurance policy is NOT easy due to the fragmentation of networks and cost-sharing inside each insurance polcy. There are other videos for that, and you can reach us directly as well.
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7
CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
My Special Guest: Art Lewis, Radio Show Host, still working at 78!!!
I have appeared on Art's radio shows well over a dozen times. He has been a great supporter of mine, and today, I become the interviewer.
0:00 Art still loves his work
16:30 Vacationing and Art's sponsored tours
28:40 Art and I talk politics (surprise!)
34:20 Dealing with extreme political views on the radio
41:20 The future of broadcast radio
45:10 Art's success as a radio talk show host
49:20 Crediting Rush Limbaugh (RIP) 55:00 Far left radio doesn't work: why?
1:05:00 How to listen and watch Art
Art's radio station: https://www.WSGW.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
COVID-relief bill might save you a LOT of health insurance money (or mistakes can leave too much $ on the table)
In this podcast: Real-life example, this comes across to me very frequently. Client intends to open a Roth IRA account. Her income is 30,000 but has savings, enough to contribute the maximum towards a Roth or a traditional IRA. If she had chosen a traditional IRA, she would've saved over $1000 on her health insurance premium in 2021. If she chooses a Roth IRA, she can get future tax benefits (since capital gains, dividends and interest are not taxable later, however, the clients needs to be at least 59 1/2 and the account needs to be 5 years old). Given that she has an income of 30,000, the extra $1000 due to lower health insurance premiums? That is very much worth considering. That is an individual's choice. Not knowing the interaction exists? There is a reason for that, i.e. advisor don't know, and some even take pride, in knowing anything about health insurance. Except now, it involves taxes, because the health insurance subsidy is actually a tax credit.
A good place to start estimating: https://www.healthsherpa.com/?_agent_id=jae-oh.
Your first call has no-obligation and is FREE https://calendly.com/justjae/30minBe sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7
CONNECT:
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
How-To: Individual Health Insurance Errors Can Be VERY Costly
In this podcast:
a. See how expensive errors can be when selecting individual health insurance
b. GH2 Unfiltered free segment: Bitcoin at $57,000, now what?
c. Medicare ABCs presentations are in full swing
Your first call has no-obligation and is FREE https://calendly.com/justjae/30minBe sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7
CONNECT:
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Special Guest: Pianist Kevin Cole
Kevin Cole has been described in The Chicago Tribune as the "country's greatest living Gershwin pianist," and his first album, released in November 2020, has been described as "revelatory," and "...you don’t have to be familiar with every note of the Concerto in F to appreciate the power and stature of this recording, which can be considered as close to Gershwin’s intention as is possible at this late date." That is very high praise, indeed.
("A revelatory new recording of Gershwin’s landmark Concerto in F" By HOWARD REICH, CHICAGO TRIBUNE NOV 18, 2020): link
We discuss:
a. How he started, how he got discovered,
b. How he met the Gershwin family (!),
c. Playing at Carnegie Hall,
d. Recovering from a brain tumor, and
e. What's next.
Link to the album: https://amzn.to/37o0mtW
Kevin's contact email: manager.kevincole@gmail.com
piano #Gershwin #Naxos
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Individual Health Insurance SEP and Big Deal, Little Deal or No Deal?
In this video:
a. February 15 - May 15: Individual Health Insurance Tips (ones that people will miss)
b. Big Deal, Little Deal, No Deal: Congress calls for Gamestop hearing
c. Research reveals that Medicare Advantage carrier under DOJ investigation
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7
CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Health Insurance Enrollment Tips and See Me After Class
In this podcast:
a. Individual health insurance (pre-65) Special Enrollment Period tips
b. See Me After Class: Late Enrollment Penalty bill introduced may look like a good idea, but...
c. Reminder about the Medicare Open Enrollment Period (through March 31, 2021)
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Special Guest: Robert Powell, Editor of Retirement Daily, thestreet.com
You can see Bob's articles everywhere nationwide. He has spent over 30 years in the journalism business, as contributor to the USA Today, and now, as the Editor of Retirement Daily, part of thestreet.com. You can see his efforts here: https://www.thestreet.com/retirement-daily/
We discuss his take on the Patriots (he lives in Massachusetts), GameStop of course, and his experience in journalism about retirement issues.
Thanks to Bob, and stay tuned for interviews with other interesting people that I have encountered in the years since creating the first edition of Maximize Your Medicare (Allworth, 2020).
Free offer: First-time subscribers to GH2 Unfiltered will receive a copy of Maximize Your Medicare free, including shipping, anywhere in the lower 48 states.
For further details and tips: https://www.gh2unfiltered.com
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
(Game) Stop the Presses: Individual Health Insurance OEP, GameStop of Course, and TB12 the Sorcerer
It's not a podcast without mentioning GameStop....
Also:
a. Biden opens individual health insurance (pre-65) Special Enrollment Period
b. Medicare Open Enrollment Period runs through the end of March
c. Tom Brady is a witch, that's the only explanation
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Enrollment Improved and Medigap Extra Benefits
In this video:
a. The BENES Act has been adopted into law, which make things better, but there are still problems.
b. What to consider when receiving a Medicare Advantage letter from your doctor or hospital.
c. Medigap carriers adding extra benefits.
Free offer: First-time subscribers to GH2 Unfiltered will receive a copy of Maximize Your Medicare free, including shipping, anywhere in the lower 48 states.
For further details and tips: https://www.gh2unfiltered.com
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
COVID and Life Insurance
A very recent article points out that life expectancy in the US is likely to drop by a full year as a result of the pandemic. This has powerful implications regarding life insurance.
For further details and tips: https://www.gh2unfiltered.com
Free offer: First-time subscribers to GH2 Unfiltered will receive a copy of Maximize Your Medicare free, including shipping, anywhere in the lower 48 states.
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
... Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Maximize Your Medicare Podcast
This weekend is NFL Divisional Playoff, so we're early....
You can watch this on YouTube: https://youtu.be/CTkpLquDNBk
In this Podcast: 1. Medicare Advantage Open Enrollment Period (OEP): Yet another window 2. Fix Medicare enrollment errors between Jan 1 - March 31 3. JPMorgan/Berkshire Hathaway/Amazon health care venture fails, duh 4. Big Deal, Little Deal, No Deal: Medigap carrier changes the rules Subscription to GH2 Unfiltered: https://www.gh2benefits.com/membership-account/membership-levels/ Your first call has no-obligation and is FREE https://calendly.com/justjae/30min Sign up for the MYM Newsletter: http://eepurl.com/dhigN5 Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134... Book website: http://www.maximizeyourmedicare.com Twitter: https://twitter.com/JaeOhCFP
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Maximize Your Medicare Weekly Podcast
This weekend is NFL Playoff #SuperWildCardWeekend, so we're early....
You can watch this on YouTube: https://youtu.be/IUw0FTwYK80
In this Podcast:
-
Medicare Advantage Open Enrollment Period (OEP): Yet another window
-
Fix Medicare enrollment errors between Jan 1 - March 31
-
JPMorgan/Berkshire Hathaway/Amazon health care venture fails, duh
-
Big Deal, Little Deal, No Deal: Medigap carrier changes the rules
Subscription to GH2 Unfiltered: https://www.gh2benefits.com/membership-account/membership-levels/
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Surprise Medical Bills Solution Inside COVID Relief Bill
In this Podcast:
-
Surprise Medical Bills Solution Inside COVID Relief Bill
-
Dental Insurance can now include implant coverage; Medicare enhanced dental is good
-
FREE copy of Maximize Your Medicare with subscription to GH2 Unfiltered
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Saving Money with Health Insurance in 2021
In this Podcast:
-
How to Save $ (If you have health insurance, including Medicare)
-
Dental Insurance is better and how to consider if it is "worth it."
-
Medicare Advantage Open Enrollment Period
Link to YouTube Video of this Pod: https://youtu.be/wb6IAHjziyg
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5Maximize Your Medicare
Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Financial Fluency, Fantasy Football: An 11-Yr Year Old Can and So Can You
In This Video:
a. Nephew Oscar's Thanksgiving not-so-hot-takes (our tradition)
b. We talk about Daily Fantasy Football c. I talk about it relates to financial fluency
d. Queen's Gambit and Grey's Anatomy (briefly)
Literally, the applications of this video to financial topics is endless. 1. Health insurance 2. Life insurance 3. Portfolio management 4. Securities analysis 5. Social Security planning 6. Annuities 7. Homeowners insurance 8. Auto insurance 9. Portfolio management 10. Extended warranty on refrigerator
Be sure to LIKE and Subscribe! Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT:
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5Maximize Your Medicare
Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this podcast:
Watch it on YouTube: https://youtu.be/NA7g42RyQrE
In this podcast:
-
The ACA goes in front of the Supreme Court
-
Medicare Premiums and Deductibles Announced
-
Deadlines approaching to change Medicare Advantage, Part D
-
healthcare.gov is difficult
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this podcast:
Watch it on YouTube: https://youtu.be/hw-58hzVUr4
-
Medicare Advantage selection is harder due to many more choices
-
This existing client will save approximately $700+ in 2021.
-
The individual health insurance open enrollment period begins on November 1.
-
Health insurance enrollment windows can be much tighter than you think.
Medicare Annual Election Period and Individual Open Enrollment Period email: aep2021 [at] gh2benefits.com.
Toll-free 855-463-9688.
There is no charge for the first inquiry, and we would always tell you in advance if we would need to charge you (one-time, hours unlimited).
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare 2021 Preview: Medicare Advantage
In this podcast is the audio for this YouTube video: https://youtu.be/4nTbfRMjmuA
a. Medicare Advantage comparisons using the Medicare Plan finder
b. See how much the total costs can vary (yikes!)
c. If you want switch from Medicare Advantage to Medigap, NOW is the time to start..
Free Medicare Enrollment Guidance: https://maximizeyourmedicare.com/ask-jae/aep/
Book website: http://www.maximizeyourmedicare.com
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
**Medicare 2021 Preview: Prescription Benefits
email address for free Medicare consultations: aep2021@gh2benefits.com**
In this podcast is the audio for this YouTube video: https://youtu.be/6cqgCmL2OwE
a. Part D comparisons using the Medicare Plan finder
b. See how much the total costs can vary (yikes!)
c. Special section on insulin, a change from 2020
Book website: http://www.maximizeyourmedicare.com
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this podcast:
-
Medicare Annual Election Period is from October 15 - December 7
-
The Supreme Court is considering Obamacare, making a difficult situation ...more controversial
-
Individual health insurance enrollment begins on November 1
-
Why you need to check Medicare Advantage and Part D
LAST CHANCE (almost):
DONT' FORGET THIS, spaces are limited: Medicare ABCs, Virtual Event, October 5, 1PM ET
Here's the link: Click here or copy/paste https://maximizeyourmedicare.com/ask-jae/medicare-abcs-virtual-info-only-session/
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7
Book website: http://www.maximizeyourmedicare.com
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this podcast:
- What can happen when enrollment goes wrong (an agent enrolled someone wrongfully #%#%R!!)
- The new drug price regulation now has some real teeth (now it's a big deal)
- Softbank, what happened, and why it matters to you. Here's a simple description of what happened: https://www.nytimes.com/2020/09/08/business/dealbook/softbank-stock-market-options.html
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7
Book website: http://www.maximizeyourmedicare.com
Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this podcaast:
- NY Times reports that people are receiving huge medical bills despite the President's promise that uninsured people will not be charged.
- Hurricane Laura brings a Special Enrollment Period under Medicare
- Individual Health Insurance will be better in 2021.
- Medicare will be even more competitive in 2021.
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Be sure to SUBSCRIBE to this Channel: bit.ly/2ZX9st7 Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN
In This Episode:
- Big Deal, Little Deal, No Deal: Annual Notice of Change letters. Are they important?
- Rebates for Individual Health Insurance Are Being Sent: What are they, and do they matter?
- Big changes for insulin and dialysis patients, how YOU may be affected, even if you are not a patient.
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN
In This Episode:
- Medicare Advantage and Part D plans will be much different in 2021, making it more important to check your plans.
- Short-Term Medical plans have a definite place in the landscape. Don't let anyone tell you differently.
This is the Health Affairs article mentioned in the pod: https://www.healthaffairs.org/do/10.1377/hblog20200813.226193/full/?utm_source=Newsletter&utm_medium=email&utm_content=Health+Policy+Brief%3A++Gentrification+And+The+Health+Of+Legacy+Residents%3B+Short-Term+Health+Plans%3B+Health+Insurance+Enrollment%3B+Decision+On+Unpaid+Cost-Sharing+Reductions%3B+Veterans++Experiences+With+Outpatient+Care&utm_campaign=HAT+8-17-20&vgo_ee=EwuIR9rWVuRtNvOvvJzbqjmLpfwVWI4fM376GfQiY8E%3D
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN
There was a production problem yesterday, apologies!
In This Episode:
- Getting Medicare Info on YouTube doesn't work. Doesn't this make me a hypocrite? Perhaps, but the point of my videos is to attempt to communicate that you need a COHESIVE, COORDINATED approach. Separating health insurance matters from other financial planning aspects is asking for trouble. Something will get missed, and it can be very expensive.
- Presidential candidate Joe Biden proposes lower Medicare eligibility from 65 to 60. That means different things to different group: existing Medicare beneficiaries, those between 60-65, and those who want to plan ahead. The age at which Medicare planning (part of financial planning) would become more complicated, and sooner than prior beliefs.
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN
In This Episode:
- Physical therapists and occupational therapists will be paid 9% less in 2021 by Medicare, and that could be an issue. It will depend on whether or not you have a Medicare Advantage plan. For Medigap policyholders, this can mean higher claims which result in higher premiums in the future, even if you do not require physical therapy.
- A large Medicare Advantage carrier is named in a whistleblower lawsuit (link)
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Don't Forget to Register for Medicare ABCs, a Virtual Info-Only Event! https://bit.ly/2CG6OQN
In This Episode:
- Dialysis and Medicare: ESRD patients will be able to freely enroll in Medicare Advantage in 2021
- Life Insurance Ads: The important, value-added information, isn't included in the ads (grrr)
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
It's An Early Release
In this episode:
- ESRD Patients Will Welcome 2021 Because Medicare Advantage Will Be Available
- Deep dive into financial options, insurance, and the effect that COVID-19 will have.
- I finish with a rant against the way that financial products are explained to people by "experts"
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Medicare ABCs: Register for the Virtual Online Info-Session https://bit.ly/2CG6OQN
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medigap vs. Medicare Advantage
Also new: Don't forget to register for the free Virtual Online Info-session, Medicare ABCs. I don't have control over the capacity, it's limited. This will NOT be available as a recording. Registration: https://bit.ly/2CG6OQN
In this Episode:
- Medigap Main Features
- Medicare Advantage Main Features
- How to Compare
- How They Are Sold to You
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Long-Term Care: The Elephant in the Room
In this episode:
- Pre-Authorizations Are Coming to Original Medicare in 2021
- Long-Term Care is the National "Elephant in the Room." I discuss Long-Term Care Insurance, Life Insurance with Living Benefits, and Annuities with Additional Income as three existing alternatives. Oh, self-insuring doesn't work.
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Part B Proposed Enrollment Modification & My Radio Interview with Art Lewis on WSGW
In this episode:
- The BENEs Act is slowly making its way through Congress, with bipartisan support (oy vey!)
- I am interviewed by Art Lewis, Medicare beneficiary. I have appeared on his shows almost 20 times over the years
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Part B Explained by Author of Maximize Your Medicare
Jae Oh, author of Maximize Your Medicare (2020-2021) explains Medicare Part B.
Covered: Part B Eligibility, Part B Benefits, When to Enroll in Part B
There are nuances and details which are making the enrollment decision more complicated, as people work beyond 65, or face complicated family/employment situations. For some, this may require expert guidance, and this video will highlight some of the complications that you may face. The financial difference can result in either thousands of dollars of savings (or overpayment). Here's the bad news: this is not likely to get easier over time, because people will continue to work beyond 65 years old.
Your first call has no-obligation and is FREE https://calendly.com/justjae/30min
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In This Episode:
- COVID-19 and its impact on Life Insurance, Long-Term Care Insurance
- Annuities: What You Need to Know & Remember. There are many options, and each with its own special "sauce." However, they can fill a very valuable role. The question is whether or not it is worth it, to attempt to figure out the nuances among the many annuities available. This segment will help you stay focused on your goals, and then how to determine how much should be allocated to annuities, if that is the decision you make.
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In This Episode:
- COVID-19 treatment and wildly different medical bills
- How Medicare should handle COVID-19
- Beginner's Corner: Medicare Part A, and things people miss
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Thank you for helping make Maximize Your Medicare the #1 Medicare book on amazon.com!!!
In this episode, two big news items.
- Remdesivir costs > $3000 for a 5-day treatment
- Possible repeal of the ACA (here we go again)
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://wp.me/P5AUnb-Vd
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In This Episode:
- Insulin will be cheaper, but what about those who don't depend on insulin? HMMM.
- "Don't Do This": Mis-analyzing Medigap versus large group coverage
Please subscribe and rate (5-star please) on Apple Podcasts, Spotify, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://mailchi.mp/a66427977b51/turning-65
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In This Episode:
- A personal tale
- The Maximize Your Medicare Weekly is on YouTube
- Health Savings Accounts (HSAs) and Things People Frequency Miss
IRS Publication 502: https://www.irs.gov/pub/irs-pdf/p502.pdf
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Get your free Medicare consult: https://mailchi.mp/a66427977b51/turning-65
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Basics: Comparing Medigap Plan N to Plan G
The federally-issued Medicare card isn't a complete solution. It's like a good chassis to a car. There are expensive Part A deductibles. Under Part B, you pay 20% coinsurance after the Part B Deductible has been met, with no limit. There are two ways to deal with what Medicare doesn't pay: Medigap and Medicare Advantage.
This pod discusses the two most popular Medigap plans, Plan N and Plan G.
Also: Two quick updates on what you need to keep in mind now. June 30th is an important date, and there's a COVID update (of course).
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
**In This Pod:
- Seemed Like a Good Idea at the Time**
When you attempt to think that financial matters are unrelated, oversights can result in higher health insurance / Medicare premiums. Worse, they may have been reasonably avoided if the person you deployed had full command of the interactions. Fundamentally, the reason that people don't consider these items together is because your 'expert' may only be an 'expert' in one topic, and attempt to tell you that the other topics are not important, or that it is a separate matter.
An easy example is Roth IRA, but that is just a simple example.
HSA, Social Security, Required Minimum Distributions, these are all examples of areas that can affect your health insurance premiums.
2. Don't Do This
This pod's "Don't Do This" segment addresses Medicare Advantage. Medicare Advantage requires an understanding of networks. But that's not all, you need to examine the entire package of benefits and think through what happens under different scenarios.
Buy Maximize Your Medicare on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
**You can see the Video on youtube here: https://youtu.be/rA9G_PjitBI
You can easily understand Financial Matters, age is just a number**
Some people think I am focused solely on Medicare. Medicare just happens to be the simplest example of a common logic. If I could communicate this single line of logic, and keep everyone focused on that logic, then much of the confusion over financial topics would disappear. I am convinced and committed to that message.
You could understand financial choices, and cut through the long list of challenges.
- Jargon
- Excessive skepticism
- Advertisements
- ...and on and on
Listen for yourself, and then share this with a young person, you will see a long list of videos, which are all variations of this single theme.
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this Episode:
- I received $ from the government, is Medicaid, CHIP, health insurance subsidy (APTC) affected?
- I receive unemployment benefits, is Medicaid, CHIP, health insurance APTC affected?
- Should I accept COBRA?
- Should I keep or cancel COBRA and enroll in Medicare?
Very complicated, the main point is that you cannot simply rely on a "rule of thumb," because when the Advance Premium Tax Credit (which lowers your health insurance premium) is involved, that means taxes, which involves the IRS. So now you know for sure it'll be complicated.
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
In this Episode:
- My comments on Medicare and the current news cycle
- Medicare Updates on Insulin, Special Enrollment Period and more
- New Segment: Don't Do This, on mistakes that people make, even after reading Maximize Your Medicare
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Use Your Own Common Sense & Experience
People's eyes glaze over when financial matters are at hand. There are reasons for that: jargon, advertisements, war stories from friends, to name just a few. However, if you simply focus on the cash flow, and are not distracted by the jargon, then you can understand how to handle financial matters, and ignore the tremendous amount of biased noise you face.
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Medicare Special Enrollment Period (COVID-19) Episode
The COVID-19 Special Enrollment Period under Medicare has been clarified. Here's what current Medicare beneficiaries can do, and a lengthening of the General Enrollment Part for Part B, for those that have not, for one reason or another, enrolled in Part B.
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
It's a Mailbag Episode
I answer questions received on the "Ask Jae" page of the book's website: www.maximizeyourmedicare.com. If you have questions, just go there, and fill in the form. Your last name will remain private, guaranteed.
In this episode:
- Can I cancel my Medicare Advantage plan?
- Can I buy health insurance if my employer-sponsored plan is cancelled (pre-Medicare)?
- Can I enroll in Part B even now (SPECIAL COVID-19 Enrollment exists!)
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Feedback, questions: jae@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Coronavirus and Financial Markets Updates
I was a guest on a YouTube broadcast recently. We spoke about Coronavirus (what else), and the effect on Medicare policyholders. We discussed on Joe Biden's proposal to lower the #Medicare eligibility at from 65 to 60.
COVID-19 is going to make any financial contract that requires underwriting (Medigap, Life Insurance) more complicated.
MuchMoreThanMedicare
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com YouTube Channel: https://youtube.com/maximizeyourmedicare Facebook Community: https://www.facebook.com/groups/321343075192885/ Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
**Coronavirus and Financial Markets Updates
Coronavirus**
- Individual health insurance
- Medicare
- Medigap
- Medicare Advantage
Financial Markets
MuchMoreThanMedicare
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Facebook Community: https://www.facebook.com/groups/321343075192885/
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Legendary Investor Warren Buffett Stated It Well"Only when the tide goes out do you discover who's been swimming naked."
Financial planning involves examining your financial risks with your personal circumstances.
Over the past years, financial markets have been almost completely cooperative, the result would be that people ignored different scenarios.
Now, for the first time in years, and at the fastest rate in history, financial markets have dropped the fastest from their all-time highs, ever.
As of this writing, Monday's financial markets also look decidedly lower, with a new piece of information, an oil price war.
In this pod:
a. How to consider financial market risks, and whether or not they fit your financial circumstances.
b. Comments on building a diversified portfolio, and what can go wrong.
As of this post: OIL -25%, S&P500 Futures -3.5%
MuchMoreThanMedicare
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
GH2 Benefits: https://www.gh2benefits.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
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Global Stock Markets' Incredible Ride
My original home is financial markets, where I have lived on three continents under volatile market conditions.
In this pod,
a. What to think about the increased volatility.
b. Do you have the information you need to understand your risk?
c. Do you need to adjust?
d. What this has anything to do with Medicare
Youtube Video Links
-
Stocks Higher: How to Tell How YOU Are Doing (link)
-
Stocks Lower: How to Tell How You Are Doing (link)
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
MuchMoreThanMedicare
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Medicare Terminology May Look the Same, But...a. Original Medicare has 3 deductibles
b. Networks are different
Medigap and Medicare Advantage Handles Things Differently for Both
a. Medicare Advantage has 2 separate deductibles
b. Medigap has 1 deductible
c. Part D has 1 deductible
Newcomers to Medicare and Sandwich Generation (Generation X) adult-age children who are helping senior parents are frequently surprised that these differences exist.
Buy the book on Amazon: https://amzn.to/2HsnMBv
Official website for the book: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts! #MuchMoreThanMedicare
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I Was in a Knife Fight...
The kitchen knife won, I required 2 stitches. When having the stitches removed, I discovered a pamphlet/brochure, titled "How We Bill Medicare Patients."
The brochure attempts to explain, and while there are defensible reasons for the limitations, we go through the different handling under Medicare Advantage and Medigap.
Important takeaways:
- When the clinic is owned by a hospital system (as many are), then there can be two line items, one for the facility, one for the healthcare provider. These are handled differently by Medicare Advantage and Medigap.
- Most other consumer guides say that Medigap is superior from a coverage point of view. However, that presumes that the Part B deductible has been met under Medigap, which may or may not be true.
Disclaimer: This is only an example. Your individual situation can differ in important ways.
Official website for the book: www.maximizeyourmedicare.com
Buy the book on Amazon: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
MuchMoreThanMedicare
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Two Years
That's two years prior to the earliest of two dates.
- Turning 65
- Date that you intend to retire from work
That is when you should begin to learn about Medicare (there's a book I might suggest)....
Why?
- Some have to pay higher Medicare premiums (IRMAA) and your income is measured two years prior.
- You may be married and need to consider the combined, household healthcare costs.
Official website for the book: www.maximizeyourmedicare.com
Buy the book on Amazon: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
MuchMoreThanMedicare
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Medicare Advantage is Large, and Getting LargerThere are well over 20MM Medicare Advantage policyholders nationwide.
The issue is that people face the difficult challenge of knowing how to choose.
There are YouTube videos, advertisements, commercials, podcasts, books.
Now, there are healthcare providers that are sending out "information" about Medicare Advantage plans.
While not illegal, the implied message should be carefully scrutinized by potential applicants.
Official website for the book: www.maximizeyourmedicare.com
Buy the book on Amazon: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
MuchMoreThanMedicare
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Special Guest: Rick Cameron, Healthcare Consultant and Medicare Enrollee
We discussed his specific case, and then went on to discuss Medicare Advantage marketing, the tangled web of healthcare providers and health insurance carriers. We look at the future, Accountable Care Organizations (ACO), and whether this can be a path forward.
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Official website for the book: www.maximizeyourmedicare.com
Buy the book on Amazon: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
MuchMoreThanMedicare
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Working at a Large Employer Has Usually Meant No Changes, But Now...
The world evolves, the comparisons have changed, and it's not easier.
Note: you need to be careful, companies have specific rules that need to be examined. This podcast introduces why it's worth the examination.
There are a number of reasons.
a. Your payroll deduction needs to be compared to private Medicare premiums. There is no good "rule of thumb" to use, you need to compare.
b. Large-employer group health insurance is weakening.
c. Rx costs need to be watched, due to the fact that employer-provided plans do not have the Medicare Coverage Gap under Part D
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Official website for the book: www.maximizeyourmedicare.com
Buy the book: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
MuchMoreThanMedicare
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Medicare is Usually Superior to Small-Employer Health Insurance
There are a number of reasons.
a. The gross premium (full price) is lower under Medicare, Medicare Advantage/Medigap, unless you are subject to very high IRMAA.
b. The deductibles, copays, and out-of-pocket maximums are usually superior under Medicare.
c. Rx costs need to be watched, due to the fact that employer-provided plans do not have the Medicare Coverage Gap under Part D
Married couples need to calculate to compare.
a. Under small-employer provided plans, the deductibles and out-of-pocket maximums may be double an individual.
b. This becomes very important if one of the two spouses incurs very high healthcare costs.
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
Official website for the book: www.maximizeyourmedicare.com
Buy the book: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
MuchMoreThanMedicare
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The fact is that your health insurance premiums can be higher (under the ACA OR Medicare), if your income is higher.
Too often, people keep the topic (taxes and health insurance premiums) separate, but is not the case.
The financial consequences can be large.
SUBSCRIBE to this podcast and leave a 5-star review (not enough people have reviewed this podcast) on Apple Podcasts!
Official book website: www.maximizeyourmedicare.com
YouTube Channel: https://youtube.com/maximizeyourmedicare
MuchMoreThanMedicare
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January 1 - March 31 is a period that:
a. You can enroll in Medicare A & B if you have missed enrollment periods in the past
b. You can make one change to your Medicare Advantage Plan
c. You can cancel your Medicare Advantage plan and return to Part A and Part B (and select a Part D plan)
But:
You need to understand that coverage will not begin until July 1, 2020. There is an important, largely-unknown extra step.
SUBSCRIBE to this podcast and leave a 5-star review (not enough people have reviewed this podcast).
Official book website: www.maximizeyourmedicare.com
I have been the guest on other pods:
TheStreet.com Retirement Daily (click here)
The Steve Pomeranz Show (click here)
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The new edition of Maximize Your Medicare has been published by Allworth Press.
THANK YOU to the majority of the largest library systems in the US: buyers of the NEWLY-published edition of Maximize Your Medicare.
amazon site: https://amzn.to/2HsnMBv
Segments on this pod:
a. Why internet "communities" on Medicare are dangerous.
b. Why the media's negative stories create a distorted views.
c. Maximize Your Medicare is different from other books.
Be sure to SUBSCRIBE to the YouTube Channel: https://www.youtube.com/c/Maximizeyourmedicare
CONNECT: Sign up for the MYM Newsletter: http://eepurl.com/dhigN5
Maximize Your Medicare Facebook Group: https://www.facebook.com/groups/32134...
Book website: http://www.maximizeyourmedicare.com
Twitter: https://twitter.com/JaeOhCFP
Twitter: https://twitter.com/MaxYourMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Many find Medicare confusing and intimidating, but...
- Your consumer rights and options are unparalleled
- You are in control (but not forever)
- The nuances need to be understood
Podcast host: Jae Oh, author of Maximize Your Medicare, published by Allworth Press, 2020.
Official website for the book: www.maximizeyourmedicare.com
Buy the book on Amazon: https://amzn.to/2HsnMBv
YouTube Channel: https://youtube.com/maximizeyourmedicare
Feedback, questions: jae@maximizeyourmedicare.com
Please subscribe and rate (5-star please) on Apple Podcasts, TuneIn, wherever you listen to podcasts!
MuchMoreThanMedicare
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Pre-order Maximize Your Medicare and enter to WIN a $100 amazon gift card!LInk: https://amzn.to/2HsnMBvSimply send your proof of purchase:Facebook: Maximize Your MedicareTwitter: @maxyourmedicareIG: @maxmaxyourmedicareemail: info@maximizeyourmedicare
This pod:a. Individual health insurance deadline extended to December 18th, from December 15th.b. Medicare changes are possible during Q1 2020, BUT you need to understand the rules, and follow the steps in order.
Be sure to subscribe to the Podcast and YouTube channel!
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Thanks to KRWM and radio host Kate Daniels. It is my 3rd appearance with her, she is host that understands how important Medicare is.Pre-order the 2020-2021 Edition of Maximize Your Medicare here: https://amzn.to/2HsnMBvBe sure to subscribe and rate on Apple Podcasts! email / feedback: info@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
December 7 is approaching very quickly. If you want to enroll in / change a Medicare Advantage Plan or Part D (standalone prescription) Plan, then now is the time. There are important details on the podcast.Be sure to subscribe to and rate the Podcast on Apple Podcasts (or wherever) and subscribe to the YouTube channel!
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Scheduled for 30 minutes, my November 23rd appearance on The Financial QB, with host Josh Jalinski, went for two hours.
You can hear that many people have ongoing questions regarding Medicare.Thanks to Josh and WOR!
Be sure to subscribe to the Podcast and YouTube channel!
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Guest: Jim Goldmann, Medicare enrollee and Author of the Voyager series.I speak with Jim, we discuss his circumstances prior to enrolling in Medicare (he's 67 years old). We discuss COBRA, the complications of enrolling in Medicare, and the end results.We speak about his very interesting fictional series, you can buy online here: https://amzn.to/2Wh2pZT
Pre-Order the 2020-21 edition of Maximize Your Medicare here: https://amzn.to/2Wf7lhU
Be sure to subscribe and rate on Apple Podcasts!
email / feedback: info@maximizeyourmedicare.com
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There is a YouTube video where I reviewed a Medicare For All vs the Public Option. There is going to be a lot of noise and mud-slinging as the Democratic debates re-start. Figuring out what is true, what is not, and how it may affect you is important because they are very different, and that involves Medicare coverage, and ultimately, how we will pay for potential expansion of Medicare (it's via taxes).
Be sure to subscribe and rate on Apple Podcasts!
email / feedback: info@maximizeyourmedicare.com
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You can become eligible for Medicare Part A & B & D after 24 months of receiving Social Security Disability Insurance benefits. However, people make mistakes from that point, and the Social Security Administration's communications of rights and options may not be sufficient for you to understand that the Late Enrollment Penalties "calculation period" for Part B & Part D have started. So either a) you do not have health insurance and creditable coverage for prescriptions, subjecting you to the permanent Late Enrollment Penalties, or b) you have health insurance with prescription coverage from the private market, in which case you are likely paying way too much.Be sure to subscribe and rate on Apple Podcasts!
email / feedback: info@maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Sorry, it's not the Mother of Thrones Podcast.... Case #1: Medicare Annual Election Period and Open Enrollment Period are over. That means you cannot enroll in Medicare, Medicare Advantage, or Part D, unless you qualify for a Special Enrollment Period. It's important, because people frequently make mistakes, and there's a twist for those that are late. Case #2: If you have lived abroad and are relocating back to the US, you need to know what you can and cannot do, prior to repatriating.
Subscribe and rate the podcast on Apple Podcasts: click here!
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My comments on the national debate. Caveat: these are going to be entirely different by the time that the Democratic nomination and the general election occur. 100%.
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Watch the trailer and read what a retired hospital CEO & CFO says about the book: https://youtu.be/l0ChK-6meDY
Here are the "highlights" of the proposed changes to Medicare.
Block grants for Medicaid
Part D discount doesn't count for your Part D Coverage Gap calculation
Lower CMS rates to hospitals
The practical reality is that it will be very difficult to pass these. The implications of the proposals are meaningful.
Fiscal and demographic pressure exists on the CMS
Part D discount not counting will make it more important to check your Part D or MAPD every year
While this is going to look like a political fight, these two bullet points exist irrespective of "red state" or "blue state," or whatever other name-calling you will see in the future. While "anything can happen" is a convenient phrase, these bullets points are not that. They are known, what we have always known, and that people don't understand the implications. Enter a certain book on Medicare matters.
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The Wide Gulf Between Uncertainty and Gambling
Blue Cross Blue Shield of MI "Legacy Plan C" Example
One of the laziest, most inaccurate over-generalizations people make? "We can't predict the future, so insurance is like gambling." Nope and it's an expensive lesson people do learn, and when they do, it is frequently too late.
Background In 2016, this Newsletter existed, and you could read "BCBSM Legacy" premiums. It was an alert, that BCBSM held rates artificially low, due to a legal agreement it made, and the expiry date approached. Further, there was a "way out" into alternative, much cheaper and very similar coverage (Plan N).
I contacted the carrier after the "free get out" period expired, and stunningly, the carrier told me that over 70% remained in the existing Legacy plan. That told me a number of things:
People didn't correctly know the options
People didn't believe me
It is fine, I call the second point "Tuesday," i.e. this happens all the time. The entirety of every article and the book?
We cannot predict the future, but we know the inputs to how decisions are made by the carrier, and the we should know that the carriers are smart, but have to play by the rules of regulation and fierce competition.
We know that the ripple effects can last a long time.
The Definition of Gambling People lump together the idea of "uncertain outcomes" with "gambling." Gambling is when you know and understand the probability, and when you choose to do something that run opposite to that knowledge. Insurance carriers are not in the business of gambling. That said, they have to adhere to regulations, and cannot set the price too high, because there are other, equally-smart sellers. Look at the evidence:
Medigap pricing in Midland MI for T65 female: TEN SELLERS within $10/month. We don't need to know a thing to know this is the correct price, the topic does not need to be Medicare/health insurance/blahblahblah.
Medicare Advantage: 5% profit margin.
Exceed 20% profits? Federal regulations to return the difference to you.
We Are Grateful to Those That Listened The fact is that we guided people out well before this occurred (years), because this outcome was self-evident. We literally shepherded as many people out as would listen to our reasoning. Sometimes the outcome is unknown (a hurricane doesn't exactly strike a predicted target), but since we knew the rationale, this wasn't "anything can happen" situation. It was entirely loaded towards "this is very, very likely to occur."
Does this exist elsewhere in the world, on financial matters? You bet. GH2 Unfiltered.
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Sorry, it's not the Mother of Thrones Podcast.... Case #1: Medicare Annual Election Period and Open Enrollment Period are over. That means you cannot enroll in Medicare, Medicare Advantage, or Part D, unless you qualify for a Special Enrollment Period. It's important, because people frequently make mistakes, and there's a twist for those that are late. Case #2: If you have lived abroad and are relocating back to the US, you need to know what you can and cannot do, prior to repatriating.
Subscribe and rate the podcast on Apple Podcasts: click here!
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
There are three ways that one can get accepted into Medigap without medical underwriting...
a. Medigap Open Enrollment. Turning 65, and those that do not have Part B yet. You are safe.
b. Medigap Guaranteed Issue. Situations occur (SEPs) which allow acceptance into Medigap Plans A,B,C, F,K, L. This is powerful, but will lose its effective power at the end of 2019.
c. Guaranteed acceptance. Entirely depending on the combination of state and carrier, there are some (NOT all) carriers that will allow you to cancel existing group coverage, and enroll in Medigap. This is entirely elective by the carrier and the state, both.
See point b? Look at the subset of plans, it is not all of the Medigap plans. Notably absent are Plans G and N, two of the most popular Medigap plans. Plan F is included in that listed subset, but will be closed at the end of 2019 for new enrollees. That effectively reduces / eliminates the power of point b. It's an emergency. I have known this and this set of statements have sat in the depths of statements of this Newsletter, for years. Now, it's the bottom of the 7th inning.
The full explanation, and the background to the timebomb (existing retiree plans weakening, layoffs within GM white collar ranks are obvious examples) are explained in GH2 Unfiltered. The information and explanation are too subtle, too delicate to be mishandled by readers of a public newsletter.
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
The video version of this is posted on the Maximize Your Medicare website: www.maximizeyourmedicare.com.
GH2 Unfiltered provides the information that cannot be provided in the book, and cannot be provided for free. The reason is that someone will misinterpret and mishandle the very sensitive information in the service.
The video will give you a sneak peak of the site itself. This podcast will describe the reasons why we need a separate, standalone subscription page.
You can subscribe here: https://www.gh2benefits.com/gh2unfiltered/
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
The problem: it depends.
Say you are in a hospital and further testing is required. The samples are analyzed at another provider, even within the same hospital system. That provider may be out of network, and you could be unaware of this fact. Yikes. If you have a Medicare Advantage plan, you may or may not be able to prevent this from occurring.
The idea that a law could change this? Unclear.
Example #2. Joint replacement surgery, done on an outpatient basis. Here, Medigap will be worse because rehab requires 3-day inpatient hospital stay. Medicare Advantage? Some plans require 3-day inpatient hospital stay, and some do not. You'll need to be verrrrrry careful.
Be sure to subscribe to the Maximize Your Medicare Podcast on Apple Podcasts (and rate it!)
Official book website: http://www.maximizeyourmedicare.com
The 2019 Edition is still only $0.99 on kobo.com for first-time users of the app/website!
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You Can Enroll Through March 31, 2019From January 1 through March 31, you can enroll in Part A and Part B if you have not done so, but should have. The effective date for Part A and Part B will be July 1, 2019. In addition, the Late Enrollment Penalty will continue to accrue until July 1, 2019.
For those on COBRA, the pod explains that COBRA is very complicated, and doubly so for married couples.
If you are enrolling in Part B late, then there is a Special Election Period which begins on April 1, and enrolling in a Medicare plan may be important for multiple reasons.
Please rate the podcast on Apple Podcast and subscribe to the MYM Newsletter at www.maximizeyourmedicare.com!
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Great Deal at walmart.com! (Click HERE). $0.99 if you use a first-time buyer code for the NEW 2019 Edition of Maximize Your Medicare. The version has been re-organized, and includes new information about the Open Enrollment Period (runs Jan 1 - Mar 31), as well as the increasingly complex situation when you work beyond 65 years old.
Please subscribe to the podcast on Apple Podcasts, Google Podcasts, and everywhere that you listen!
Happy New Year!
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The Medicare Annual Election Period (AEP) ended on December 7th. However, a NEW enrollment period will begin on January 1. The pod describes what can still be done.
SUBSCRIBE TO THE YOUTUBE CHANNEL: https://www.youtube.com/user/MaximizeYourMedicare
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Every Year, A Special Appearance!
Medicare Annual Election Period (AEP) ends on December 7th. You can select a Medicare Advantage plan OR a standalone Prescription Drug Plan (Part D), and change as many times as you like, the last one selected will be the one in effect on January 1, 2019. In addition, there will be a NEW Open Enrollment Period that begins on January 1, 2019.
However, there are differences that people need to understand.
The individual health insurance Open Enrollment Period ends on December 15th.
Be sure to subscribe to the MYM Podcast on Apple Podcasts and rate! Don't forget the YouTube channel (link).
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This Happens
Sometimes it takes just one friend. That friend has listened to me present ** Medicare ABC's (https://youtu.be/9LtNTAkYD0w) on multiple occasions. He kept telling his female friend that having Medicare Part A, Part ,B and Part D alone was not a good idea. This year, he told his friend, "If I have to drag you there physically, I'm going to do it.” She relented, and called. After 10 minutes on the phone, she revealed joint replacement surgery, scheduled for November 28th. She said “I also don't have any money, and the last time, I had bills in the thousands.”
Read More: http://mailchi.mp/0da1923a087e/maximize-your-medicare-newsletter-nov-10-2165513
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If your acceptance is not guaranteed due to federally-protected rights (Medigap Open Enrollment or Guaranteed Issue):
a. Carriers can ask what they want regarding your health,
b. Carriers can deny your application.
These are known, what is not well-known is that they are not asking the same questions.
To simply "get lucky" and get accepted under this idea is too risky, because when you apply, you are agreeing to the release of the fact that you have applied to a centralized location (MIB Group), that is used to prevent insurance fraud.
Bottom line: it is more subtle than you see on YouTube.
Be sure to subscribe to the MYM Podcast on Apple Podcasts and leave a review!
Support this podcast: https://anchor.fm/muchmorethanmedicare/support
Annual Election Period begins October 15, ends December 7, 2018.
What you can and cannot do.
Switch among Medicare Advantage plans
Switch among Part D plans
Switch into Medigap from Medicare Advantage (BE CAREFUL)
A new, separate Open Enrollment Period will run from Jan 1 - Mar 31
Can switch among Medicare Advantage plans
Cannot switch among Part D plans
Can enroll in Parts A & B if you have made errors in the past
Be sure to rate and ask questions on Apple Podcasts.
Check out the YouTube Channel.
http://www.maximizeyourmedicare.com
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The video version of this podcast is on YouTube. Here is the Link (click here).
This video is brought to you by the Great Humanity Healthcare Foundation (www.greathumanityhf.org).
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Part D is complicated:
The business of pharmaceutical distribution is opaque. Pricing of a single drug can vary wildly, even within the same plan, depending on where you buy that medication.
There are almost certainly more than 25 Part D plans, per state.
This Podcast: how to avoid making expensive errors.
This Tuesday Oct 9, Noon (EDT): LIVE YouTube Broadcast. Medicare ABCs. All components. Here's the link: https://youtu.be/ivgLBLwhYBA
Be sure to subscribe to this podcast, and rate/review on Apple Podcasts or anywhere you listen to podcasts (Stitcher, Google Play, TuneIn, etc etc).
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Registration is required. CLICK HERE TO REGISTER.
On the podcast, my 2018 Ryder Cup analysis, and why the Webinar matters.
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Medicare Advantage in 2019 Is Certain to Bring:
Enhanced benefits unseen in the past
Increased confusion by consumers when comparing Medicare Plans
Brokers will be required, because not only is Medicare Advantage evolving, with higher levels of competition, but the Enhanced benefits mentioned here need to be ACTIVELY compared, and that means multiple carriers. A captive agent cannot do this, it is like a Ford-only salesperson attempting to recommend a Subaru.
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Candidly:
I don't understand why Plan N and Plan G are not more carefully explained. I suspect the reason is that the other people that are explaining don't actually understand the process.
This is ultimately a consumer choice, and deciding whether keeping $10/month is "worth it."
Leave feedback and ask your questions!
Be sure to like, share, and subscribe to the Maximize Your Medicare podcast. From this point forward, we’ll be here frequently. Subscribe to the Newsletter here (you will not receive advertisements, your information is not distributed to others): http://www.maximizeyourmedicare.com
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There's more than just the Part B deductible involved, and it isn't publicized much. I suspect the reason is that some people don't know what to do about it, or how to resolve it, producers frequently sell and run.
For some, it may be irrelevant. For others, however, Plan F may be worth the extra cost.
And some comments about 2020 at the end of the podcast, remember that Plan F will not be available to new applicants at that point.
The audio isn't as good as the pure-podcast: it is also on Video with slides (will come out after some cleanup).
Leave feedback and ask your questions!
Be sure to like, share, and subscribe to the Maximize Your Medicare podcast. From this point forward, we’ll be here frequently. Subscribe to the Newsletter here (you will not receive advertisements, your information is not distributed to others): http://www.maximizeyourmedicare.com
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Social Security Disability and Medicare
After 24 months of receive Social Security Disability Insurance (SSDI) benefits, you become eligible for #Medicare. However, you need to be careful of the rights and options you have. Importantly, the Late Enrollment Penalty "timeclock" will start. Some pointers on those, what you can and cannot do.
There is a YouTube Video, and this is the audio-only portion of that broadcast. Here's the link: https://youtu.be/BKrxtUEmhC4
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The First of a Series
People will continue to work beyond 65 years old. Since Full Retirement Age (FRA) under Social Security has increased, and since many have a limited amount of retirement savings, this will continue to be true.
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YouTube Channel!!! There will be YouTube-unique content, and you can see it here! (Link)
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We discuss the Great Humanity Healthcare Foundation (www.greathumanityhf.org) and changes that 2019 will bring. The end of the individual mandate will mean that married couples will have more options. We go through an example where one spouse, Medicare eligible, is working, while the other spouse is not, but covered by the employer.
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I was a guest on the Art Lewis Show on April 15th. We discussed Social Security COLA, and what to do if your Medicaid eligibility changes. We also discussed the new Great Humanity Healthcare Foundation (www.greathumanityhf.org).
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Happy Thanksgiving Everyone!
Medicare 2018 Details Are Released
Part D is More Complicated
Medicare Advantage Plans Have Improved
Employer-Sponsored Plans Are Worse
Gobble Gobble!!!
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The MYM Podcast Returns...
Why the Long Delay? Incredible Crossfire and Abuse of Platforms by Partisans from Every Angle
Healthcare Reform Will Affect Certain Medicare People
Healthcare Reform Will Affect Retirement Decision-Making
If you are a caregiver, or an adult child to a senior parent, be sure to listen/read/subscribe!
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You Know It's A Problem When...
Kaiser Health News is as good as it gets, but it created the wrong title for this article. That is a huge problem, because if we cannot rely on KHN as a very good news source, then where is an everyday person to go (other than here, obviously).
Here's a link to the article: http://khn.org/news/hospitals-worry-repeal-of-obamacare-would-jeopardize-innovations-in-care/
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Maximize Your Medicare Podcast 57: Medicare Advantage Disenrollment Period
It ends on February 14th, but if you want to do this, then you need to start as soon as possible. Explanation is in the pod, and further comments on why caution is required.
Also: Repeal and/or replace of the ACA can potentially affect Medicare Advantage.
Register and check out GH2 Unfiltered.
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The ACA (and Medicare) War Has Begun
We need to understand how we got here.
People don't understand what health insurance is (it is a financial contract).
People confuse financial contracts with the healthcare system (which is your physician/hospitals, and the service they deliver).
The ACA is about health insurance, not about healthcare. The ACA is a tax, but since people don't understand that health insurance is a financial contract, they didn't understand that the ACA is a tax to assist distributing health insurance to others.
Who is to blame? Well, both supporters (that includes POTUS, and the opponents.
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I was the guest on The Art Lewis Show. You can listen here.
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Obamacare Had a Week Week: Does It Matter?
Aetna announced its plans to withdraw entirely from health exchanges for pre-Medicare applicants. Does this really matter? Well, given the fact that that Medicare was the very reason for attempting to merge with Humana, another large Medicare plan provider, the answer must be yes.
The podcast clears up some commonly-held, wrongly-placed beliefs.
Bottom line: this is business, and not politics, by the carrier. Those attempting to mix the two? They probably are misusing the data to try to prove a point that has nothing to do with financial facts. People attempt to take credit where none is due, and assign blame where it doesn't belong.
And again, healthcare is not health insurance. Healthcare policy is definitely not health insurance. Aetna, Humana, et al are health insurance providers, not healthcare providers and not healthcare policy decision-makers.
Be sure to subscribe to the podcast, and the free newsletter, available online.
http://www.maximizeyourmedicare.com
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Not Only In Michigan
People can say I'm just a fear-monger. People can say "You're a seller, of course that is your view."
The flip side of that coin is: "Maybe he has been paying attention, listening to the how confused everyone is, how under-informed everyone is, no matter where they are, no matter what their health or financial circumstances are, just maybe."
Listen to the Confusion
You'll hear the confusion, you'll hear the worry. If you think this is unique to this episode, which affects over 200,000 people in Michigan, you are may be right, but I will completely disagree with that view.
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Be sure to contribute (perks start at $10) to the 2nd book, Medicare Mayhem: Solutions for Stakeholders: copy and paste this link: https://igg.me/at/medicaremayhem
When You Turn 65, Start Over (It's Good, Not Bad)
You get to start over. Your selections are both wider and unlimited. Listen for details.
Be sure to subscribe to this podcast on itunes or for your android.....
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This Just In: We Don't Live in Isolation
If you think we are immune from the ripple effects of #Brexit, you're mistaken.
For starters, interest rates have gone lower, from already-incredibly low rates. The result? Retirement savings cannot generate earnings required to pay for retirement. Worse, if your advisor is telling you that you can invest for growth to pay, then that is also impaired.
While we cannot control foreign financial markets, we can control which advice we believe to be credible, and which information isn't.
The crowdfunding campaign to support the 2nd book, Medicare Mayhem, is here. Please contribute, every penny counts! Perks start at $10, click here!
The website for the book is here: Medicare Mayhem: Solutions for Stakeholders
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What Does OJ Simpson Have to do with Medicare???
I spend a lot of time (arguably, an excessive amount) watching ESPN. A much heraleded, 5 episode documentary called O.J. Simpson: Made in America was recently released, so I have been busy.
Anyways, I was thinking about how in the world the prosecution lost. And then I thought about the job the defense's legal team did, and of course, the jury's responses.
Under Medicare: you are the jury, Marcia Clark and Johnny Cochran are the Stakeholders. You have biases and be influenced by the advocates, and there are many, all giving you their perspective on what is best. That leaves you with the task of putting it together.
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JenningsWire.com is a great site, a really diverse set of information on a wide variety of topics.
Stacy and I have worked together and the site is full of very helpful information. The link to the website is here!
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Community Health Radio Podcast
I was interviewed for a podcast and it is posted here, and on their website.
Heritage Health is North Idaho’s premier provider of integrated medical, dental, and behavioral health services.
Be sure to subscribe to the Maximize Your Medicare Podcast on iTunes, and feel free to send us your questions!
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Interviewed on W4DIVAS.com
Deb is a friend, and her audience appeals to those that believe in women helping themselves. Women know better than I: women are more frequently the caregiver to extended families.
We talked about how to get signed up for Medicare, and important things that need consideration. Too frequently, people simply think that their spouse has them covered. That will depend on MANY things. Even in the case that this is true, that doesn't always mean that it is best.
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This Isn't a Book or Movie Review Podcast, BUT...
The book and the movie The Big Short appeal to our favorite national pastime, namely "Find Someone to Blame."
When you attempt to use this attitude, without the complete set of facts, while considering Medicare, you may be making a mistake, and that mistake can feed on itself. And who suffers the consequences? Take one guess....
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People Make Expensive Mistakes
The podcast describes a situation where the married Medicare beneficiary has not been completely informed, and then the family makes the error even worse. Ugh.
Don't forget to share this!
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I received an email, titled "A Great Email from a Fellow Senior in Mesa, Arizona."
It is totally, utterly wrong. It will do much more harm than anything else. Here's why.
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CIGNA had sales of its Medicare Advantage and Part D plans suspended by the CMS. That isn't very comforting, of course, but it highlights the severe penalties that the CMS can impose.
Employees of small businesses have the right to delay enrollment in Part B if they are covered by the health insurance provided by the employer. However, beginning in July 2017, the existing plan may not provide coverage in certain instances. SO, that means an unexpected surprise is very likely to arrive in Q3 2016.
Questions, feedback: jae@maximizeyourmedicare.com
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This Happens: billing departments, patient advocates, Division on Aging (MAPP) don't have the correct, updated information. This is particularly worrisome, since many patients rely on this (incorrect) information.
Also, the General Enrollment Period ends on March 31st. For those that have not enrolled in Medicare Part A and/or Part B when first turning 65, or after they retire (if after the age of 65), then these are some guidelines.
Questions, feedback: jae@maximizeyourmedicare.com
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January 1 - February 14: Medicare Advantage Disenrollment Period
Happy New Year!
If you want to switch to Medigap, you need to do so NOW. The reason: there are multiple steps, and the order matters.
Questions, feedback: jae@maximizeyourmedicare.com
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Medicare changes keep coming, and you can expect more in the future. THE MARKET CHANGES because there are 55 Million Medicare beneficiaries, 10000 turn 65 years old every day, and oh yeah, the government is running a deficit (if you didn't already know this. Add in the fact that carriers are competing for your business while they are trying to remain profitable, and you don't need to know anything about insurance to understand that changes are inevitable.
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Medicare's "Doc Fix" will affect Medicare beneficiaries, because the bottom line is that someone has to pay. This should not be a surprise to anyone, so the question is how to deal with the inevitable.
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The PPACA is being challenged in the Supreme Court. My comments.
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Genworth is a carrier of Long-Term Care insurance. It continues to report losses, and I describe how this could've happened, and how it affects Medicare beneficiaries.
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Deadline February 14th
You can disenroll from your Medicare Advantage plan, but some special care is required. I have assisted many in this process. Here are some important points to remember.
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Radio Interview on NPR Atlanta, WABE 90.1
I was interviewed this morning on WABE, Atlanta's NPR affiliate. Thanks to noted host Steve Goss. They were good enough to keep all of my comments during the interview and post it on its website, www.wabe.org....
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Radio Interview on KFNN Phoenix 1510 AM
I was interviewed this morning on Phoenix' 1510 AM on its "Business for Breakfast" show. Thanks to Ken Morgan and Julie Dougherty for having me on their great show....
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Radio Interview on Sirius XM with The Maggie Linton Show
I spent some time on Sirius XM's The Maggie Linton Show. Many thanks to her for her show, and having me appear!
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Radio Interview, Annual Election Period
I have been doing a lot of radio interviews recently, New York, Los Angeles, Pittsburgh, et al. Art Lewis and I have spent over 6, 1-hour sessions together. Our latest was this past Saturday, and we discussed the Annual Election Period.
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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The Annual Election Period Begins October 15th
You will be sent an ANOC (Annual Notice of Change) for your prescription benefits, whether it is part of your Medicare Advantage plan, or stand-alone drug plan (Medicare Part D). Listen to why you shouldn't throw it into the trash: it can be costly.
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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My Appearance on David Holland's Real MoneyI re-appeared on David's Real Money, and we discussed a specific example about Medicare Advantage. More generally, Medicare beneficiaries can face dramatic changes mid-year, and we discussed what can be done.Listen to the podcast here. Subscribe to the Maximize Your Medicare Podcast here: Click here to SubscribeFurther information can be found on the official website: http://www.maximizeyourmedicare.com
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Totally Confused? Buy Yourself Time...Free
Many people don't know where to begin, and the questions continue from there. One very popular one: which is better, Medicare Advantage or Medigap? That is complicated, and seniors are faced with many, many options. If you absolutely not decide, or if you are running out of time to decide, then you can use the 12-Month Trial Period, one of Medicare's Special Enrollment Periods (SEP). Find out how it works, and why this is important.
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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The VA Debacle and Medicare
I think it has to be called a debacle, right? Infuriating, sad, tragic.
The Veterans Administration situation may lead to questions about what veterans can do. Veterans are specifically addressed in my book, Maximize Your Medicare, and in this podcast.
Listen to the podcast here.
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Further information can be found on the official website: http://www.maximizeyourmedicare.com
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"I Don't Know Where to Start"
If you are turning 65 years old,
If you have a Medicare-eligible parent that you want to help,
If you face healthcare costs you don't understand under Medicare,
If you need information that you can use, in language that you can understand,
"I'm All Set": Probably Wrong
a. Employers change (or eliminate) retiree benefits
b. Medicare Advantage and Medicare Part D (Rx) change every year
c. PPACA means that pre-Medicare family members can get private insurance
This is just for starters...
Monday, June 16, 5PM EDT
I have conducted this program everywhere (libraries, senior centers, conferences, senior programming at colleges), with all types of audiences.
You can see a short list on other pages of this blog.
I will leave my phone number on during the broadcast, and you can bring me your questions.
$2.99 PPV Webcast
Just click here to register.
I need to charge because the host charges me, and I want to keep the spammers out.
Listen to me speak about the webcast:
Subscribe to the Maximize Your Medicare Podcast here: Click here to Subscribe
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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"What Can We Do For Our Aging Parents?"
I got asked this question, and many related questions, on an internet radio station.
Even if you want to help a senior parent, it is difficult to know where to begin. I make suggestions on how to start, and what to ask.
You can subscribe to this podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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I Know Her as "Sue," But She's An Adult Now...
We talk about Susan's professional practice in Immigration Law, and let her talk to how the process currently plays out. She also talks about a variety of outreach programs for minorities and newcomers to the U.S. Website: www.imlaw.biz
I remind her (opaquely) that I used to call her when we were younger (we attended college together), and she never picked up the phone....good thing she still has a good sense of humor.
You can subscribe to this podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Guest: Brian Sheridan, Owner of Level11 Physical Therapy
We talk about Brian's personal history, his full-time use of a wheelchair, and how it led to his career as owner of Level11 Physical Therapy. There is more information about different types of Physical Therapy clinics, and some ways to reach him. www.level11pt.com is the website of his practice.
Enlightening stuff, and some hints on what to look for if/when you require physical therapy.
You can subscribe to this podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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This Just In: Women Fill Lots of Roles
I spoke with Deborah St. Hilaire, author of Divaluation, and life coach. We talked about the many, many, many different roles that a working female plays, weirdly made more extreme by the progress made by those women who can.
I learned a lot, Deb mentions that she has ways for people facing similar issues to connect. Good stuff. We will do it again when she launches her online radio station.
You can listen to this episode here.
You can subscribe to this podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Radio Interview, April 21, 2014
Every financial planner has his/her own perspectives. You can listen to my comments on Medicare here. The focus is on correct enrollment, and the penalties that can occur.
You can listen to this episode here.
You can subscribe to this podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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The previous link was broken (sorry). This is now fixed.
For Those That Qualify for "Extra Help," Rx Aid is Just the Beginning
As the cost of specialty prescriptions skyrockets, according to a New York Times in an article yesterday, April 15, this podcast covers a federally-funded program called Extra Help which can help towards those costs.
In addition, there are additional benefits that are part of this. Many of these are unknown, and Medicare beneficiaries should take full advantage.
Listen to the podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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First Time in a Medicare Advantage Plan? You Can Change....
Very few people know that the Medicare rules regarding enrollment are largely in a consumer's favor. A perfect example is here. If it is your first time in purchasing a Medicare Advantage plan, and it has been in effect for less than 12 months, the you can change to another Medicare Advantage plan, OR return to original Medicare, and couple it with a Medigap & stand-alone prescription plan (Medicare Part D). No calendar restrictions.
Listen to the podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Expert Contributor and Observation Status
You can see me and my comments, as well as my answers to questions from readers online: http://www.mymedicareanswers.com. Interesting site, powered by Humana, Inc, the nation's second largest carrier of Medicare Advantage plans. I am one of 6 Expert panelists asked to contribute. I can say that the site isn't a marketing tool of Humana's offerings, but rather, it's a good site with unbiased information.
You can also hear the latest and (not greatest) update on Observation Status, an important term that Medicare beneficiaries must clearly understand.
You can listen to Podcast 15 here.
You can subscribe to the Maximize Your Medicare podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Sorry for the delay
I have been very busy with clients: I return with a recording of my interview this past Saturday. Next podcast will be soon, because March 31st is an important date, for a variety of reasons.
You can listen by clicking here.
You can subscribe to the Maximize Your Medicare podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Thanks to David Holland's Real Money
David hosts a radio talk show in central Florida, and we had a very enjoyable conversation about Medicare.
You can listen by clicking here.
You can subscribe to the Maximize Your Medicare podcast here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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If You Require Substantial Medical Care....
The total out-of-pocket expenses can exceed the difference in premium. Many people believe that they cannot make a change in coverage if this happens to you. That is not quite right, but you will need to think of a number of different issues. That said, the financial difference may make it worth the effort.
You can listen here.
Send me your questions: jae [at] maximizeyourmedicare [dot] com
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Rather than talking to myself...
You can hear my interview on Healthline, a radio show on WSGW AM790, with host Art Lewis. He is a Medicare beneficiary, and a very knowledgeable one! So, our conversations are usually very interesting, especially when the interviewer is this good.
Click here to listen.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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You should resist the temptation of chasing equity returns if that means ignoring Medicare or healthcare cost planning, because the downside of ignoring Medicare, what it covers, and what it does not, can make portfolio returns moot.
Listen here to the podcast.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Let's Say You Never Enrolled in Medicare Part B
Let's Say You May Want to Switch from Medicare Advantage to Medigap.
Your time is coming up soon, January 1, 2014. You don't have that much time to decide, so it is best that you know your options beforehand.
You can listen to details here.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Surprise: The Rules Work For You, Not Against
People keep the age-old thought that they have to use the Annual Election Period only in order to make changes to their Medicare configurations. Nope. The reality is that you have options under the current rules, and in some situations, it is highly favorable to do so. MYM Podcast 6 tells you about some ways that you can make a change even after the Medicare Annual Election Period is over, with a few examples included.
Click here to listen.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Outpatient Hospital Rules Have Changed
For some unknown reason, newspapers and local TV stations continue to report that this is a problem. Don't get me wrong, it remains to be the source of confusion. HOWEVER, the story should be that the rules have improved substantially, and that if you stay over two midnights, then you will be presumed to have "inpatient" status, thus avoiding much of the controversy.
Click here to listen.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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Last-minute tips to make sure that you have kept your options open. The Medicare Annual Election Period ends today.
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This episode focuses on what to do during Medicare Annual Election Period, which ends on Midnight, December 7th. That is this Saturday.
Click here to listen.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
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The first podcast will discuss UnitedHealth Care's decision to eliminate many doctors from its Medicare Advantage plans. This news was released last week, and is no surprise. Bottom line: more to come.
Click here to listen.
Further information can be found on the official website: http://www.maximizeyourmedicare.com
Support this podcast: https://anchor.fm/muchmorethanmedicare/support