Whether you're a first-time enrollee or a seasoned Medicare beneficiary, understanding yearly Medicare cost changes is key to managing your healthcare expenses effectively. In this episode, we cover everything from Original Medicare costs to Medicare Advantage, Medigap, Part D, and even unexpected Medicare costs, ensuring you're well-prepared for the year ahead.Original Medicare Costs for 2024:Part A Premiums: $0/month for most, up to $505/month based on work history. Part B Premiums: A base premium of $174.70/month. Part B OOP Costs: $240 yearly deductible, 20% coinsuranceMedicare Advantage Costs:Average Premium: $18.50/month, with 66% of plans offering $0/month premiums.Out-of-Pocket Costs: Maximum in-network MOOP of $8,850Medigap (Medicare Supplement) Costs:Premiums vary by plan letter and geography, with significant differences across states and insurance providers.Out-of-Pocket Costs: Affected by the annual Part B deductible changes.Part D Prescription Drug Plan Costs:Average Premium: $55.50/month, with a wide range of premiums available.Deductibles and Coverage Limits: Maximum deductible of $545, with the initial coverage limit increased to $5,030.Unexpected Medicare Costs:IRMAA: Additional charges for higher-income individuals.Penalties for late enrollment in Part B and Part D.Future Projections for Medicare Costs:Insights from the latest Medicare Trustees' report on expected cost increases in the coming years.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:2024 Original Medicare Costs2024 Max out-of-pocket limitPart D 2024 Landscape FileKFF 2024 Medicare Part D Costs

In this latest episode, we dive into the world of Medigap plans for 2024, guiding you through the maze of Medicare Supplements. Perfect for those transitioning to Medicare, we address the vital question: "Which Medigap plan is right for me?"Key Segments:1. Understanding Medigap Plans: A brief yet comprehensive overview of Medigap plans, explaining their role alongside Original Medicare.2. Popular Plans - F, G, N: We examine the pros and cons of the most sought-after plans F, G, and N, helping you identify which aligns with your healthcare needs.3. Exploring Lesser-Known Options: We shed light on other Medigap plans that might be the right fit for your unique situation.4. Long-Term Financial Implications: Understand the long-term cost impact of each plan choice, ensuring your decision is financially sound for years to come.Highlights:Plan F: Coverage details, eligibility, and suitability.Plan G: Ideal candidates for this comprehensive coverage plan.Plan N: Balancing affordability with coverage - is Plan N for you?High Deductible Plans: The pros and cons of plans like high deductible plan G.Geographical Factors: How your location influences plan choice and pricing.Cost Analysis: A concise comparison of long-term costs for key plans.Conclusion:Discover the ideal Medigap plan for your needs in 2024 with our insightful episode. Whether you're considering Plan G's comprehensive coverage, Plan N's value, or other options, we provide the clarity you need for a confident Medicare transition.Join us for a concise, informative exploration of Medigap plans. Tune in now! 🎧💡Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Oregon Birthday RuleCalifornia Birthday RuleWhat are Medigap Plans?Medicare and You Handbook 2024

Join us in our latest podcast episode as we unravel the critical debate of Medicare Advantage vs. Medicare Supplements in 2024. This episode is essential for anyone on Medicare, providing insights into making the most informed decision for your healthcare needs.Inside This Episode:1. Original Medicare Overview: Quick guide to Part A and B, highlighting the necessity of being enrolled in both parts of Original Medicare before enrolling in MAPD or Medigap coverage.2. Medicare Supplement (Medigap) Coverage: Explore the role of Medigap in filling Original Medicare's coverage gaps, focusing on popular plans like G, N, and high-deductible Plan G.3. Medigap Pros and Cons: Analyze the benefits and drawbacks, including benefits like nationwide provider access and negatives such as potential premium increases.4. Understanding Medicare Advantage Plans: Learn about Medicare Advantage as a private alternative to Original Medicare, including Part D coverage.5. Medicare Advantage Pros and Cons: Discover the advantages of low premiums and extra benefits, balanced against network restrictions and possible higher out-of-pocket costs.6. Making the Right Choice: Insights into long-term planning and choosing between Medigap and Medicare Advantage.7. Enrollment Trends: Current trends in Medicare Advantage and Medigap enrollments, with a focus on future implications.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: 2024 Average Medicare Advantage PremiumsKFF Medicare Advantage LandscapeMedPAC Medicare Advantage Enrollment NumbersTelos Actuarial Medigap Report

Are you overwhelmed by the flood of Medicare advertisements? Dive into our latest episode, where we unravel the complexities of Medicare advertising. We'll dissect the current trends, give voice to consumer opinions, and arm you with essential tips to sidestep misleading advertisements. This episode is a must-listen for anyone navigating the Medicare landscape or seeking clarity in the sea of Medicare marketing.Understanding Medicare Marketing Trends: Explore the dominance of Medicare Advantage plan advertisements, and what this means for you. Consumer Insights on Medicare Ads: Hear what real Medicare consumers think about the advertisements they encounter. We delve into KFF focus group results for authentic consumer perspectivesDecoding Advertisement Promises: We critically analyze the promises made in Medicare ads. Are lower Part B premiums and added benefits as good as they soundIndependent Brokers vs. Big Ads: Uncover the different advertising techniques of independent brokers and how they differ from mainstream ads. Learn how to identify trustworthy brokersEvading Misleading Medicare Ads: Equip yourself with practical tips to avoid falling for misleading Medicare advertisements. We guide you on how to find reliable Medicare informationPlease register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:KFF how health insurers and brokers advertise MedicareKFF Consumer Opinions about Medicare MarketingKFF 2024 Medicare Advantage First Look informationMAPD Enrollment Numbers

In this essential episode, we tackle the vital question for seniors approaching 65: "Do You Need Medicare?" We provide a  guide through Medicare eligibility and decision-making, focusing on those turning 65.1. Medicare Eligibility Overview: We start with an overview of Medicare eligibility, particularly for those reaching 65. This includes insights into eligibility criteria for different groups and a link to a detailed Medicare eligibility calculator.2. The Medicare Enrollment Decision: We debunk the myth that everyone must enroll in Medicare at 65, explaining how your current health coverage influences this decision. We'll discuss when Medicare is essential and when it might be optional.3. Current Coverage vs. Medicare: Learn how your existing health insurance, including employer group health coverage, retiree plans, and COBRA, interacts with Medicare and understand the implications of the 20-employee threshold.4. Enrolling in Medicare: Yes or No? We guide you through scenarios where enrolling in Medicare at 65 is beneficial and situations where it might be unnecessary, offering a practical comparison of employer health insurance versus Medicare options.5. Next Steps as You Approach 65: We outline the steps to take whether you decide to enroll in Medicare or delay it, including automatic enrollment details and actively enrolling through SSA.gov.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Eligibility CalculatorCMS Turning 65 Decision GuideCMS Guidelines for Medicare EligibilityMedicare Secondary Payer ManualPre-Tax Employer Insurance

Frustrated with Medicare complexities? We've compiled the most pressing questions from our listeners and social media followers to deliver you the answers you need – no personal information required. From avoiding invasive marketing calls to preparing for interstate moves, and understanding the nuts and bolts of choosing a Medigap plan, we're here to clarify the Medicare maze.Tune in for insightful discussions, including:- Safeguarding Personal Information: Learn how to get Medicare Advantage and Medigap quotes without compromising your privacy, and the truth behind those persistent marketing calls.- Medicare and Moving States: The implications of relocating on your Medicare Advantage, Medigap, and Part D plans, plus the benefits of a Special Enrollment Period (SEP).- Medicare Agent 101: What it takes to become a knowledgeable Medicare agent – beyond the licenses and certifications.- Future-Proofing Your Medicare Knowledge: Understanding the inevitable rise in Medicare Part B premiums and why it's important not to dwell on the specifics too far in advance.- Navigating the Trial Rights: The intricacies of the Medicare Advantage trial period and what it means for your ability to switch to Medigap.- The Medigap Plan G Conundrum: Why prices differ for seemingly identical plans and tips for selecting the right one for you.Remember, we're doing Q&A episodes every few months – so keep your questions coming and stay tuned for more empowering discussions!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: KFF Part D changes for 2024 and 20252023 Medicare Trustees Report2023 Choosing a MedigapMedicare Secondary Payer GuidelinesDNC Registry 

📆 When is AEP and What Changes Can You Make?Oct 15 to Dec 7 is your window to review or change your Medicare plans. The last plan you enroll in takes effect on January 1st.Note: AEP isn't for first-time Medicare enrollees, and Medigap isn't a free-for-all.🚫 Advertisement CautionWatch out for misleading ads. Consult trusted brokers or SHIP counselors for independent third-party advice.🗂 Important DocumentsReview your Annual Notice of Change (ANOC), Summary of Benefits (SOB), and Evidence of Coverage (EOC) to understand plan changes.🔎 Medigap vs. Medicare AdvantageMedigap plans are lifetime contracts, while Medicare Advantage plans can change yearly. Know your needs and review plans accordingly.💰 Changes in 2024 CostsPart B premium rises to $174.70/month, Part D premium base at $34.70/month, and other cost increases. 🌟 Big Changes for 2024A cap on Part D catastrophic costs is introduced, meaning $0 for medications covered after reaching the catastrophic phase.Part D base premiums are now capped at a 6% annual increase.Stay tuned for an insightful discussion that clears the fog on Medicare, making your Annual Election Period a breezeSources for this episode: KFF Changes to Medicare Part D in 2024 and 2025What is an Evidence of Coverage?KFF Statistics for reaching catastrophic coverage2024 Average Part D Premium2024 Medicare Advantage Maximum Out-of-pocket2024 Original Medicare costs2024 Medigap High Deductible Plans

Welcome to our comprehensive episode about Medicare Part D. Are you approaching 65 and feeling confused about your prescription drug coverage options? You’re not alone. In this episode, we break down everything you need to know about Medicare Part D coverage so you can make informed decisions about your health.🌟 What You'll Learn:1. What is Medicare Part D? 2. Crucial Insurance Terminology Explained3. Enrollment Periods: IEP, SEP, and AEP 4. The Medicare Part D Penalty: What You Need to Know5. Unpacking Part D Coverage Phases6. How to Choose the Right Prescription Plan7. Financial Assistance Programs8. Recap and Key TakeawaysPlease register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Overview of Part D FormularyOnline Application Part D Extra HelpValue of Part D Extra HelpState Pharmaceutical Assistance Program2024 Part D DeductibleOrigins of Medicare Part DMedicare Part D Enrollment PeriodsMedicare LIS InformationPart D Utilization ManagementPart D Penalty

Navigating Medicare can sometimes feel like a maze, and that's exactly what we're unpacking in our latest podcast episode about the ins and outs of Medicare coverage. In this comprehensive episode, we explore:- Medicare Part A: What does it mean by "room and board" in a hospital?- Medicare Part B: From doctors to preventive services, we discuss the medical insurance part of Medicare.- Medicare Advantage: A bundled alternative to Original Medicare—what does it really offer?- Medicare Part D: Navigating the labyrinth of prescription drug coverage.- Medigap Coverage: How to fill the gaps left by Original Medicare.- What Medicare Doesn’t Cover: Knowing the limits can save you from unexpected costs.IMPORTANT: Be aware that coverage does not mean zero cost to you. Coinsurance or out-of-pocket costs often apply. Also, you must use Medicare-approved providers for coverage.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Medicare Definition of Medical NecessityMedicare Coverage DatabaseMedicare MAC'sMedicare and You HandbookMedicare Benefit Policy ManualSkilled Nursing 3 Midnight RuleDrugs not covered by MedicareUnderstanding Medicare AdvantageOIG Prior Authorization Report

This episode provides the A-Z Guide to Picking Your Medicare Part D Plan!Confused about how to pick the perfect Medicare Part D plan? You're not alone! In today’s episode, we’re breaking down the maze of Part D coverage in simple, easy-to-understand language. Get ready to become a savvy consumer of prescription coverage! 🎉What You’ll Learn:Part D 101: What it is, who it's for, and how it complements your other Medicare plans.  Timing is Everything: Learn when to enroll or change your Part D plan, whether you’re a first-timer or a pro.Shop Smart: We'll reveal resources to compare plans so you can make the best choice without the headache.Choosing Made Easy: Step-by-step guidance to tailor your Part D coverage to your unique medication needs.Hit The Button: How to enroll and what to expect post-enrollment.Equip yourself with the knowledge to make an informed choice! Hit play now, and let the empowerment begin! 🌟Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: Medicare PFFS PlansList of Medicare Part D Special Enrollment PeriodsMedicare Plan Finder ToolPlans you can add Part D coverage to

Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube Channel.You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:Milliman Urban vs. Rural ReportKFF 2023 Medicare Advantage LandscapeKFF 2023 Part D LandscapeExample Medigap Underwriting GuideLIS Income and Resource LimitsSPAP Availability ChartKFF 2023 Medicare Advantage Enrollment Trends

In today's episode, we unlock the secrets to a seamless transition to Medicare for those approaching 65. Dive deep with us as we delve into these crucial topics:  Understanding Medicare Options Early: Time it Right! Begin your exploration about a year before turning 65. Familiarize yourself with topics, terminology, and even the nitty-gritty of Medicare Advantage vs. Medigap coverage.Parts of Medicare Decoded: From Original Medicare (Part A and B) to the differences between Part C (Medicare Advantage) and Part D (prescription drug coverage), we break down the complex world of Medicare for you.Medicare Advantage vs. Medigap: It's the pivotal decision every Medicare enrollee grapples with. We guide you through the specifics so that you can choose wisely.The True Costs of Medicare: Get the lowdown on what you'll pay for Medicare. We discuss Original Medicare costs, Medicare Advantage, Medigap, and the vital programs that offer financial assistance.Tackling Lesser Known Medicare Scenarios: Medicare's interaction with COBRA, HSAs, and the Marketplace can be intricate. We demystify these scenarios for you, ensuring you don't miss out on crucial details.Join us as we also share invaluable tips on when and where to gather information about Medicare, highlight the importance of consulting independent brokers, and emphasize the pitfalls to avoid. We've got everything covered to ensure your transition to Medicare is as smooth as possible. Tune in now!Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources:2023 Average Part D PremiumKFF Ranges of Part D Premiums2023 Part B Premiums and IRMAAMedicare and Marketplace guide

Join us in this new episode of the "Transition to Medicare Podcast," where we unravel the intricacies of Medicare, VA coverage, and the synergy between the two. We're diving deep into VA health benefits, from eligibility and priority levels to copays and coordination with Medicare. Discover how programs like Tricare for Life and CHAMPVA function alongside Medicare, and learn why "when in doubt, fill it out" is a mantra for VA health benefits. Should you enroll in Medicare Advantage or Medigap coverage if you have additional coverage through the VA, Tricare for Life, or CHAMPVA? Find out in this episode.  Whether you're a veteran seeking guidance or want to understand the landscape of healthcare options, this episode is packed with insights and essential resources. Don't miss out; tune in now to learn more about navigating the vast Medicare and VA coverage world! 🎧🇺🇸💊Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: Tricare for Life HandbookVA Health CoverageVeterans Health Benefits HandbookVA Online ApplicationHow Medicare works with TFLUsing TFL at VA FacilitiesCHAMPVA GuideCHAMPVA Fact SheetCHAMPVA and Medicare Prescription Fact SheetCHAMPVA FAQ's

Welcome to our latest podcast episode! In this episode, we delve into the intricacies of applying for Medicare past the age of 65. Whether you've delayed due to active employer coverage or other reasons, we've got you covered. We'll discuss why you might delay Medicare, the process of applying for Part B only or both Part A and Part B and what to do if you've delayed without active employer coverage. We'll also explore the General Enrollment Period (GEP) and the new Special Enrollment Periods (SEPs) for 2023.  Tune in to learn about the Medicare application process, avoid penalties, and make informed decisions about your healthcare coverage. Don't forget to subscribe for more episodes and check out our free online course at gmedcourse.com for a comprehensive guide to Medicare.Please register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Source: New Part B Special Enrollment PeriodsPart B Special Enrollment PeriodEvidence if you can't get an L564Online Part B Special Enrollment LinkOnline application to enroll in Part A and Part BMedicare Guidelines for 20 EmployeesCMS L564CMS 40B

Navigate the complex Medicare and COBRA insurance world with this informative episode. We dive deep into the intricacies of COBRA and Medicare, highlighting key points of eligibility, costs, and their nuanced interactions. Avoid common mistakes, understand their impact on your coverage, and make informed decisions for your health insurance needs. Tune in to empower yourself with critical knowledge, avoid costly missteps, and transition smoothly to Medicare. A must-listen for anyone dealing with healthcare decisions, preparing for retirement, or simply wanting to understand the perplexing world of health insurance. #Medicare #COBRA #HealthInsurance #Podcast #Informative #RetirementPlanning #HealthcareDecisionsPlease register for our FREE Online Course here: https://www.gmedcourse.com/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: What is COBRA? Information about COBRA from CMSDOL Guidebook for Employers with COBRADOL Guidebook for Employees with COBRALength of COBRA EligibilityMedicare Secondary Payer ManualUHC COBRA and Medicare billing issuesCMS Medicare Secondary Payer Guide

Welcome to the "Transition to Medicare" podcast, your ultimate guide to all things Medicare. Our upcoming episode explores the lesser-known terrain of high-deductible Medicare Supplement plans - High Deductible Plan F and High Deductible Plan G. Dive into an enriching discussion that deciphers Medigap plans and their intricacies. We illuminate how high-deductible Medigap plans operate, their appeal to specific consumer groups, and the key differences between common Medicare Supplements and their high-deductible versions.We'll decode the often-misunderstood healthcare deductible concept and explain how it applies to high-deductible Medigap plans. Discover the actual financial impact of these plans, including potential rate increases over time and why these plans can sometimes be the better economic choice.To ensure a comprehensive understanding, we will compare the costs of these high-deductible plans with other popular Medigap plans, such as Plan G and Plan N. We also examine the eligibility criteria, the essential role of your personal health and risk tolerance, and how to gauge the appropriateness of high deductible plans for your unique circumstances.Lastly, we highlight critical future considerations when choosing these plans, addressing common misconceptions and what to remember if you try to switch to a Medigap plan with more coverage in the future.This episode is a must-listen if you're looking to cut through the clutter and get the real scoop on high-deductible Medigap plans.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: High Deductible limits over the yearsAARP Out of pocket spending studiesOfficial 2023 Medicare and You Handbook

This comprehensive episode starts with the basics, clearly stating what Medicare truly is and who is eligible to benefit from it. We'll explore the complexities of costs, diving deep into the specifics of premiums, deductibles, copayments, and out-of-pocket limits. Understand how and when to enroll without falling into the late enrollment penalty trap. We'll delve into the essential coverages of Original Medicare, specifically Part A (hospital insurance) and Part B (medical insurance), so you know what's covered and what's not. And it's not just about the available plans – we'll also guide you on how to make informed choices that fit your healthcare needs and lifestyle. Moving away from the usual debate between Medicare Supplement (Medigap) and Medicare Advantage, this episode is about equipping you with the knowledge to navigate Medicare's labyrinth easily. Prepare to enhance your healthcare literacy, make informed decisions, and steer your Medicare journey with conviction. Don't miss out on this opportunity to empower your healthcare journey!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources for the episode: Medicare Eligibility CalculatorDefinition of MedicareMedicare Creation HistorySSA Source about Medicare Basics99% of people get premium-free Part AWhat Medicare CoversSpouses work history for Premium-Free Part ASSA regulation for using a spouse's work history

In this episode of the Transition to Medicare podcast, we demystify the often misunderstood topic of Medigap premium increases, offering listeners comprehensive insights into the complexities of Medicare Supplement plans. As you approach 65 and consider your Medicare options or continue on your Medicare coverage, it's crucial to understand what factors into Medigap premium increases. This episode uncovers key aspects such as 'loss ratio' and the practice of insurance companies opening and closing blocks of business. We debunk common myths and present clear explanations, helping our listeners make well-informed decisions about their Medigap plans. Our podcast is designed to make the transition to Medicare less daunting, giving you the confidence to navigate your way toward suitable coverage. Tune in for an indispensable discussion, and leverage these insights to help strategize for your future healthcare needs."Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: How Medigap plans are ratedBlock of business definitionHistorical Medigap Rate Increase DataLink to document with different Medigap underwriting rules per state

 Are you curious about how Medicare brokers earn their living and how this may impact you, the consumer? In this enlightening episode, we pull back the curtain on the commission structures for selling Medicare products, shedding light on the often-misunderstood world of Medicare commissions. We unravel how brokers are paid, from selling Medicare Advantage and Medigap plans to hidden incentives that add to their earnings. Learn the distinction between initial and renewal plans and how commission rates differ for various products. Get an in-depth understanding of the Medicare Advantage and Medigap commission structures, backed by real-world examples and precise calculations. We'll also compare these two plans to see which is more lucrative for brokers. Additionally, we'll expose the hidden incentives, including new carrier bonuses, underwritten bonuses, and reward trips, and discuss how they affect a broker's decision and earnings.  Join us as we debunk the mysteries of this industry, fostering transparency for Medicare beneficiaries.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.Sources: Senator Warren Hidden Incentives ReportCMS Broker Compensation DataMore Broker Commission DataAgent Commission Impacting Consumer ChoicesExample of Medicare Broker Incentive Reward Trips

Medicare supplement plans can be a great way to fill the gaps in your Medicare coverage, but there are common mistakes that can have costly consequences. In this episode, we'll cover mistakes such as not considering Medigap coverage during your open enrollment period, not considering the cost of the plan, choosing the cheapest plan, not understanding the coverage, and not comparing plans when you are first enrolling. In this episode, we will provide valuable insights and tips for avoiding these mistakes and making informed decisions about your Medicare supplement plan. If you're looking for ways to optimize your Medicare coverage, tune in to this episode for valuable information that can save you time and money. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources:Issue vs. Age vs. CommunityMassachusetts Medigap CoverageChoosing a MedigapMedicare and You 2023Humana: What is Part D?Links to different states with unique Medigap underwriting rules: Washington, Oregon, California, Nevada, Idaho, Illinois, Missouri, Louisiana, Maryland,

In this podcast, we will be discussing the top five biggest mistakes people make when choosing a Medicare Advantage plan. Medicare Advantage plans can be confusing, and making the wrong choice can have costly consequences. We will cover common mistakes such as not checking if your doctor is in-network, not comparing plan costs, not reviewing prescription drug coverage, not taking advantage of additional benefits, and not reviewing the plan annually. We will provide tips and strategies for avoiding these mistakes and making the most out of your Medicare Advantage plan. If you or someone you know is considering a Medicare Advantage plan, this podcast is a must-listen!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources: KFF Medicare Advantage Extra Benefits: https://www.kff.org/medicare/issue-brief/extra-benefits-offered-by-medicare-advantage-firms-varies/CMS "What's a Medicare Advantage plan?": https://www.medicare.gov/sites/default/files/2018-07/11474.pdfWhy do Medicare Advantage plans have narrow networks?: https://www.urban.org/sites/default/files/publication/99414/why_do_medicare_advantage_plans_have_narrow_networks.pdfKFF Medicare Advantage Landscape: https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2022-enrollment-update-and-key-trends/

Are Medicare Advantage plans as bad as people on social media make them seem? Should you just enroll in a Medicare Supplement plan instead?Some of the "pros" of Medicare Advantage plans include:- They often provide extra benefits that are not covered by Original Medicare- Low monthly premiums (often $0/month)- Prescription drug coverage is typically included in Medicare Advantage coverage- Maximum out of pocket that Original Medicare does not have- Ability to change from one Medicare Advantage plan to another Medicare Advantage plan without health questionsSome of the "cons" of Medicare Advantage plans include:- Prior Authorization- Potential referrals to see in-network specialists- Networks of providers- Potentially higher medical costs compared to Medigap plans- Yearly contracts with benefits that can and will change every year*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources: Understanding Medicare Advantage Plans PDFHow does Medicare Advantage plans work?Services covered by Medicare AdvantageKFF Medicare Advantage in 2022 StudyOfficial CMS Medicare and You HandbookKFF Study about Medicare Advantage Prior AuthorizationMedicare.gov things to know about Medicare Advantage

Are Medicare Advantage plans more popular and better than Medicare Supplement plans now? Should you still consider enrolling in a Medicare Supplement plan?Some of the "pros" of Medigap plans include:- Freedom to see providers across the country that accept Original Medicare- Low out-of-pocket medical costs- Prior authorization is very rarely ever needed- Plans are guaranteed to renew as long as you pay your monthly premiums- Premium increases are not determined by your individual claimsSome of the "cons" of Medigap plans include:- Medigap plans rarely cover services not covered by Original Medicare (like routine physicals)- Higher monthly premiums than Medicare Advantage plans, and premiums increase over time- Prescription coverage is not included and must be purchased separately- You may not be able to change to a new Medigap plan in the future*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources: Medicare and You Official HandbookOfficial Choosing a Medigap Policy Guide

*Sources are at the bottom of the show notes*Medication prices seemingly continue to increase year over year, so we want to provide as many solutions as we can to help you save money on your regular prescriptions. Part D and Medicare Advantage coverage are just one small part of the puzzle when it comes to what you might pay for prescriptions while on Medicare. Make sure you look at all options outside of your insurance coverage if you are prescribed expensive medications. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources for this episode (click on the link): 340B Pricing ProgramFormulary ExceptionsApplication for Low-Income SubsidyDefinition of Low-Income SubsidyWaiver of Part D Penalty for those with LISKFF impacts of Inflation Reduction Acts on prescriptionsOverview of the 340B program2023 income and resource limits for LIS qualificationsMedicare Interactive LIS OverviewAmazon RxPass eligible medicationsPharmaceutical assistance information from CMSList of states with prescription assistance programs340B Facility Location FinderPharmacychecker.com

You may have already heard that Medigap plans are "standardized" which means that Medigap plans with the same plan letter provide the same basic medical coverage. But then, the question you may be asking is, "which Medigap plan letter is right for me?". This is exactly what we took the time to answer in today's episode.  Plan N and Plan G have both become the most popular Medigap plans in the past few years. But which one is better?Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources for this episode: Medicare and You 2023 HandbookNAIC Plan N Official GuidanceMedicare Interactive's definition of excess chargesPsychiatry.org non-participating vs. participating providersLearn about MOM States that don't charge excess chargesKFF how many providers have opted out of MedicareKFF financial protections for Medicare patientsAPA guide to participating vs. non-participating providers

One of the biggest questions we are often asked when people are making their transition to Medicare is "what about dental coverage?". Many people mistakenly think that Medicare provides coverage for routine dental services and procedures, only to be shocked that this isn't actually the case. This doesn't mean you won't have any options for dental coverage once you start Medicare, but we will use today's episode to help you better understand what your options may be. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources:Medicare Interactive, Medicare and Dental Care: https://www.medicareinteractive.org/get-answers/medicare-covered-services/limited-medicare-coverage-vision-and-dental/medicare-and-dental-careTelos Actuarial Dental Loss Ratio Data: https://www.telosactuarial.com/blog/individual-dental-market-snapshot-2022NAIC Accident and Health Report: https://content.naic.org/sites/default/files/publication-ahp-lr-accident-health-report.pdfKFF 2023 Medicare Advantage Spotlight: https://www.kff.org/medicare/issue-brief/medicare-advantage-2023-spotlight-first-look/#:~:text=In%202023%2C%2040%25%20of%20all,2019%20to%201%25%20in%202023.KFF Medicare and Dental Closer Look: https://www.kff.org/medicare/issue-brief/medicare-and-dental-coverage-a-closer-look/MAC vs. UCR Dental: https://www.beambenefits.com/post/mac-vs-ucr-dental-plans-whats-the-difference

When it comes to your Medicare insurance options, we often point out the fact that your choices essentially come down to a Medicare Advantage plan or a Medicare Supplement (Medigap) plan. With millions of Medicare beneficiaries making this same decision, we are often asked, "which option do most people choose?". Ultimately, that choice will be based on your individual budget, wants, and needs but in today's episode, we will break down national trends and talk about the data to find out whether Medicare Advantage or Medigap plans are the most popular choice for those on Medicare. See our sources for today's episode at the end of this description (there are a lot!). Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources:2022 Medicare Trustees ReportASPE Medicare Enrollment TrendsCMS Medicare Monthly Enrollment Data2022 Telos Actuarial Future of Medicare Supplement ReportKFF 2023 Medicare Advantage SpotlightCMS 2023 Average Medicare Advantage and Part D PremiumKFF 2022 Medicare Advantage Enrollment TrendsKFF 2023 Part D Data2022 AHIP State of Medicare Supplement Coverage2021 NAIC U.S. Health Insurance Industry Analysis Report

Many Medicare beneficiaries are surprised to learn that there are more enrollment periods than just the Annual Election Period from October 15th - December 7th. If you are currently enrolled in Medicare coverage that you are considering changing sooner than later, this is the episode for you!Sources for today's episode: Part D costs moving if you move plans: https://q1medicare.com/faq/FAQ.php?faq=Will-Part-D-TrOOP-transfer-if-I-switch-plans-midyr&faq_id=369Medicare Special Enrollment Periods: https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan/special-circumstances-special-enrollment-periodsMedicare Advantage costs if you change plans: https://q1medicare.com/faq/FAQ.php?faq=Will-MOOP-transfer-if-I-switch-Medicare-Advantage&faq_id=609States with unique Medigap underwriting rules: https://www.medicareresources.org/medicare-eligibility-and-enrollment/the-birthday-rule-a-gift-to-medigap-enrollees/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In today's episode, we discuss the key provisions of the BENES act that were passed back in late 2020 as part of the year-end spending bill. This new law is designed to limit Medicare enrollment mistakes that have previously harmed seniors. Here are some of the links to the sources we talked about during this episode: Link to the entire Consolidated Appropriations Act: https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdfLink to new Part B Special Enrollment Periods being created: https://www.cms.gov/newsroom/fact-sheets/implementing-certain-provisions-consolidated-appropriations-act-2021-and-other-revisions-medicare-2 BENES Act 2.0: https://www.medicarerights.org/medicare-watch/2022/02/24/senators-introduce-the-bipartisan-benes-2-0-act-to-further-simplify-medicare-enrollment760,000 exposed to Part B penalty: https://www.pennlive.com/news/2019/07/why-medicares-late-fees-mean-a-lifetime-of-higher-costs.htmlAll other sources: http://nahu.org/membership-resources/medicare-portal/legislative-informationhttps://www.medicarerights.org/medicare-watch/2022/11/03/important-rules-implement-key-benes-act-provisions-to-simplify-medicare-enrollmenthttps://www.govinfo.gov/content/pkg/FR-2022-11-03/pdf/2022-23407.pdfGiardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

The Medicare Annual Election Period (AEP) is coming to an end on December 7th. Now is the time to start finalizing your decisions for your 2023 Medicare coverage. In this episode, we will remind you what you should do to find the right coverage for next year. There are also some important changes coming to Medicare for 2023, and here are the links so you can learn about those changes in more detail: Link to the 2023 Medicare premiums and out-of-pocket costs: https://www.cms.gov/newsroom/fact-sheets/2023-medicare-parts-b-premiums-and-deductibles-2023-medicare-part-d-income-related-monthlyLink to an overview of the BENES Act that will be implemented for the first time in 2023: https://www.cms.gov/newsroom/fact-sheets/implementing-certain-provisions-consolidated-appropriations-act-2021-and-other-revisions-medicare-2Link to the prescription drug benefits being implemented by the Inflation Reduction Act starting in 2023: https://www.kff.org/medicare/issue-brief/explaining-the-prescription-drug-provisions-in-the-inflation-reduction-act/Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

When it comes to Medicare, Prescription Drug coverage (also called Part D) is often the most confusing and misunderstood piece of coverage that you will encounter. There are only a few different "phases" of Part D coverage, but each one can and likely will impact you financially when you go to the pharmacy to fill prescriptions. Because this topic can be hard to understand without visual information, here are some links to articles that can help you visualize what we talked about in today's episode: four phases of Part D coverage: https://www.medicareinteractive.org/get-answers/medicare-prescription-drug-coverage-part-d/medicare-part-d-costs/phases-of-part-d-coverageUnderstanding the True out-of-pocket cost (Troop): https://q1medicare.com/PartD-WhatIs-TheTrueOutOfPocketExpense.php#:~:text=TrOOP%20costs%20are%20those%20prescription,the%20Donut%20Hole%20is%20%247%2C400.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

When we help our clients with their transition to Medicare, we often hear people ask "will my pre-existing health conditions stop me from getting the Medicare coverage I want?" This is the exact question that we answer in this episode. There is a misconception that pre-existing conditions no longer matter when it comes to choosing Medicare coverage and that is not always the case!Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Medicare brokers are independent insurance agents that contract with many different insurance companies offering both Medicare Advantage plans and Medicare Supplement (Medigap) plans. Especially during the Annual Election Period from October 15th - December 7th it is important to compare your Medicare options for the upcoming year. This is exactly where a good independent Medicare broker can help! Instead of calling dozens of insurance companies, they can compare the plan options available in your location and eventually enroll you in a plan that is right for you. If you want to connect with our agency or another independent broker in your area, click this link!: https://gmedicareteam.com/mapGiardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

It's that time of year again! The weather is getting colder, the days are getting shorter, and to make it all just a little bit worse; Joe Namath and JJ Walker are constantly reminding you to "CALL NOW"But what are these commercials actually trying to sell you? That is exactly what we discuss in this episode. Learn about the extra benefits "you deserve". Discover how you can "get money back in your Social Security"... Are these commercials flat-out scams, or is there an element of truth to what they are pitching?Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

The Annual Election Period of time is fast approaching. October 15 through December 7 is a time period that allow you to make certain changes to your Medicare coverages. What changes can you make?What changes might you want to consider and why?What is your timing for things should you want to make a change?Don't let this window go by if there's something you'd like to change. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

If you know that you want to enroll in a Medicare Supplement (aka Medigap) plan when you become eligible for Medicare, the next step is figuring out which plan is actually right for you!You can use the process that we discuss in this episode so that you can confidently narrow down your plan options to enroll in the Medigap plan that fits your needs and lifestyle. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Some pretty significant changes are coming to Medicare. Listen in to see what might affect you. Please share with family and friends that might find the information helpful as well. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

If you know that you want to enroll in a Medicare Advantage plan when you become eligible for Medicare, the next step is figuring out which Medicare Advantage plan in your area is actually right for you!Medicare Advantage plans each come with unique benefits, networks, prescription coverage, and more! You can use the process that we discuss in this episode so that you can confidently narrow down your plan options to enroll in the Medicare Advantage plan that fits your needs and lifestyle. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Medicare enrollment periods can be very confusing and it can be hard to know when to enroll for coverage. In this episode, we break down when you can apply for Medicare using the Initial Enrollment Period, Special Enrollment Period, or even the General Enrollment Period. We also talk about when you can or cannot enroll in Medicare Advantage, Part D, and Medicare Supplement coverage. This episode will help you enroll in the proper coverage at the proper time to avoid coverage gaps and lifetime penalties. Sources for this episode:https://www.medicareinteractive.org/pdf/SEP-Chart.pdfhttps://secure.ssa.gov/apps10/reference.nsf/links/04012022122513PMhttps://secure.ssa.gov/poms.nsf/lnx/0600805275https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-startGiardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Tune in to hear about what we'd consider to be some of the top mistakes that people make as they transition into the Medicare system. Don't follow their path -- learn about some of the pitfalls you might face! Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map: https://gmedicareteam.com/map/CLICK HERE to download the official Medicare decision guide for those that are turning 65 years old.  Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Everyone is terrified of Medicare's Part D Coverage Gap... More commonly known as the "donut hole". Well, stop and listen to us describe what it actually is and see if you'll even be affected by this crazy pricing strategy.  We'll describe how the donut hole works and why you should take the time to understand it if you take rather expensive prescription medications. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources for this episode: Costs in the Coverage Gap: https://www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/costs-in-the-coverage-gapNYT article about the donut hole "closing": https://www.nytimes.com/2020/01/17/health/medicare-drug-costs.htmlPrescription costs in catastrophic coverage: https://www.medicareinteractive.org/get-answers/medicare-prescription-drug-coverage-part-d/medicare-part-d-costs/phases-of-part-d-coverageInitial Coverage Limit for 2023: https://www.cms.gov/files/document/2023-announcement.pdf

Will you get a Part B late enrollment penalty? How about a penalty related to prescription drug coverage... How do you figure it out? In this show, we'll walk through the various Medicare penalties and how you can take steps to avoid them. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Some helpful links:  Part B Penalty going away at age 65Part D Penalty going away at age 65 and when getting LIS (page 23 talks about LIS and page 25 talks about T 65 after having disabilityPart D maximum penalty going back to 2006CMS info about the first IEP in 2006Information about “Equitable Relief”Part D Penalty AppealPart A Penalty InformationGetting free Part A based on spouses work history 

We've discussed Medigap plans in detail in a prior episode so now we bring you all that you need to know about Medicare Advantage plans! There can be many moving parts to a Medicare Advantage plan. So, it's a good idea to get a good overview and understanding of how the system works so that you won't be surprised.  _____________Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Confused about whether or not you can continue to fund your Health Savings Account if you enroll into Medicare?  You're not alone. Listen in as we explain some of the basic do and don'ts.  _____________Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Helpful links:Opting out of Part A: https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/FS3-Enroll-in-Part-A-and-B.pdfPart A retro 6 months: https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-startPartial year HSA contributions: https://www.benstrat.com/downloads/HSA-GPS_HSAs-and-Partial-Year-Eligibility.pdfExcess HSA contributions: https://www.benstrat.com/hsa-faq-excess-contributions/#:~:text=To%20remove%20excess%20contributions%2C%20complete,HSA%20Distribution%20Request%20form%20instead.More HSA excess contributions: https://dpath.com/hsa-excess-contributions/#:~:text=Generally%2C%20the%20IRS%20penalty%20equals,contribution%20remains%20in%20your%20accountWhat HSA funds can be used for: https://www.irs.gov/pub/irs-pdf/p502.pdfWhat HSA funds can be used for when you are enrolled in Medicare: https://www.optum.com/content/dam/optum/consumer-activation/unknown/HSA_and_Medicare.pdfUsing an HSA after age 65 for non-qualified expenses: https://hsastore.com/learn-future-healthy-hsa-age-65.html

It's that time in life. You're  ready for Medicare insurance. But, where do you go for help since it's so confusing? Well, there are a number of places to turn to and we'll discuss all of the options in today's episode. If you're starting your journey into Medicare, start here. _________Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In this episode, Cameron and Joanne tackle the topic of IRMAA. The Income Related Monthly Adjustment Amount. IRMAA affects millions of people in the Medicare system and it's largely misunderstood and can come as a great surprise to many. So, get yourself prepped so that you know what might be coming AND learn what options you have in your personal situation if IRMAA might affect you. Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In this episode, you'll gain a better understanding of Medigap  Plans. Come back in a future session as we talk 100% about Medicare Advantage plans. As always, learning all that you can about these two products will help you make a smooth and stress-free transition to the Medicare system.Mentioned in this episode are certain states that have the  MOM (Medicare Overcharge Measure) rule. Meaning, the carrier cannot bill for excess charges in these states. Here they are: ConnecticutMassachusettsMinnesotaNew YorkOhioPennsylvaniaRhode IslandVermontGiardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In this episode, you'll gain a better understanding of Medicare Advantage Plans and Medicare Supplements (aka Medigap plans). This way, you'll be better able to choose what is best suited for you upon your transition to the Medicare system.Mentioned in this episode are certain states that have unique underwriting rules or opportunities. Those states include:  California, Oregon, Washington, Nevada, Idaho, Minnesota, Illinois, Missouri, New York, Vermont, Massachusetts, Connecticut, Maine If you'd like to see our YouTube video about this same topic, check it out here. _________Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In this episode, we discuss the tips and tricks that you need to know when it comes to applying for Medicare AFTER age 65. Below are the forms that we mention in the episode along with the link that you'll need to apply.The CMS-L564 request for employment information form can be found here.When you're ready to enroll online, you can use this link here. Want to be included on our mailing list?  Sign up here._________Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In this episode, we will be talking about everything you need to know about Medicare Annual Election Period. This time can be really overwhelming as it’s a time full of constant Medicare TV commercials, phone calls, and a pile of mails.  We will help you destress this time of year!  We will cut through to all of the do’s and don’ts of the Medicare annual election period so that you can keep the right coverages for yourself.Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Focus on The Annual Election Period[2:16]The main reason why there is so much focus on this time of the year is that most consumers on Medicare can have their plans changed. It's a time of chaos. Definition of this Annual Election Period[04:40]The reason you’re going to see extra confusion this time of the year is that it drives phone calls. Carriers and agents are trying to get you to call them to inquire about changing your plan. Is that by design? [05:58] The Annual Election Period is a period from October 15 until December 7 each year when you can join, switch or drop a plan. Your coverage will begin on January 1 of the following year. It is also referred to as the Open Enrollment Period. However, that is a term that we are trying to avoid as it can be confused with the Medigap Open Enrollment. Basically, the AEP (annual election period) is the time of the year where you can make changes to your plan. Planning your options and moves during this period[9:46]You can look at all of the 2022 and upcoming plans your options starting October 1. The time to make the actual enrollment or change is from October 15 to December 7. Don’t panic, as you have a large window to file your plan. [10:46]After looking through new plans, you can determine if you'd like to make a change. There are many options. We often do not recommend trying to change your Medigap plan during this time period as it is an extra busy time of year for carriers and agents. Unfortunately, you'll get the brunt of that.[11:38] Be attentive when people say that you can just "change your plan anytime through open enrollment" because remember, it’s not a truly "open" enrollment time period. I you try to switch from Medicare Advantage to a Medigap plan during this period, you still have to pass underwriting or health questions in most states to qualify for that plan. That is w

Giardini Medicare is re-launching the Transition to Medicare podcast!  Future episodes will bring you more information and better information that will help you as you transition into the Medicare system. Get ready for some good stuff!

Hope you're all well during the Covid-19 days. We're here and working as we always have been. If you need some extra TLC and help with a Medicare transition.... call any of us!  248-871-7756. Find us on Facebook, too:  We're over there doing some Facebook Live sessions - keep that human interaction in play!  Connect here.  Take care of yourselves! 

Odd times, for sure. Here are some thoughts related to health insurance as a whole. How to choose it, how we work as a society, what's important and how that all relates to you and yours! Here's our YouTube Channel that was mentioned.  And, Facebook ;)  

Listen and learn about our approach to the Medicare process.

We have been all over the place of late! Tune into our YouTube Channel over HERE and starting learning in the privacy of your own digs. Please share with friends and family that are confused with their own transition to the Medicare system! 

Remember, Cobra insurance is not like your regular "work coverage" when you are OVER age 65. Listen in and don't make the same mistake as this gentleman ALMOST made! www.gmedicareteam.com

Careful out there! Call us when you're 64.5 so that your proper timing down... Warning here about signing up/enrolling for Medicare's A and B!  www.gmedicareteam.com 

Teach a man to fish? Remember the old adage... Well, that's our 2020 theme at Giardini Medicare (www.gmedicareteam.com) There are so many resources and things to share with Medicare beneficiaries and those that are looking to transition to "the system"... that's where we come in. Listen in. 

This year it seems that the Medicare commercials have been ratcheted up a notch!  More reasons to be careful, ask more questions, and spend a bit more time understanding what you're doing.  Listen in, contact us!

There's more to Medicare products than price....  Be sure you choose the right agent/agency for when you need help. Pretty well guaranteed that you'll need help at some point during your Medicare years!  248-871-7756

Always interesting what makes a person "tick" regarding their Medicare selection!  Call us and "have the Medicare conversation" 248-871-7756

Easier said than done... ! We coach people each and every day through the Medicare conversation. Make it easy on yourself and call us for a free consult. 248-871-7756  Listen to "Pam's" story about deciding between Medigap and Medicare Advantage. 

When you're having the Medicare conversation, try and take the focus off of "dollars" - at least as the primary focus.  We'll help you to look beyond the commercials highlighting that you'll get everything for "free" regarding healthcare. Call us at 248-871-7756 for help, email us at joanne@boomerhealthgroup.com -- anything to talk the process through.  Most people misunderstand an enormous amount re: Medicare!  Don't be one of them --- 

There is an underlying psychological component to Medicare consultations. Listen in. Call 248-871-7756 and one of our advisers will help clear the murky waters for you.

Holy smokes, I made the mistake of turning on the TV for the day. Call us at 248-871-7756

It’s been a long day in Medicare land. I am reflecting end of day regarding just how important Medicare education always is.

What do you mean my Medicare will cost $460 per month?  I had no idea!  It can happen. Listen in to how you can possibly appeal that amount that is determined by the Social Security Administration. See our website at www.bhgvault.com that has the forms that you need to do so. Or, call us at 248-871-7756 and we'll walk you through the process. 

As we head into the annual election time of the year, this is your chance to review what you have and/or change what you don't want to have. Understand HOW your plan works. Call us at 248-871-7756 or connect with us on our website This episode talks about "physical therapy" not being covered by Medicare.  Be careful of who you are listening to! 

Some tips from Joanne about what to do and what not to do during the annual crazy time of Medicare.  She references the Vault - head over there to learn. Then schedule your time with a BHG advisor and get all of your questions answered. Then, make an educated choice and enroll into your Medicare product with Boomer Health Group. Call 248-871-7756 if all else fails!  

It’s not easy to choose between Medigap and Medicare advantage. Listening to hear about one couples story. Go to our website for more information WWW BOOMER HEALTH GROUP.com or call at 248-871-7756

You won't believe, well, yes - you will, all the mistakes that we see made with Medicare. Listen and avoid this fellow's mistake. Give us a call at 248-871-7756 or schedule a time to talk with an advisor.  Mistakes are avoidable with Medicare; believe it or not!   Boomer Health Group

Random thoughts from the last week out and about teaching Medicare! Learn more over at our website    Call us at 248-871-7756 - we'd love to talk Medicare with you, family & friends. 

How many times have you heard about the "donut hole" closing in 2020. Listen here or read up to find out what is actually happening!  

Careful out there.  If you're an FA? We need you talking to your client about Medicare.  We can tell you that they're looking for information re: Medicare and, what do you know, the Medicare "person" that they're referred to happens  to then sell them a big annuity along with their Medicare product.  The public? Be careful with what you're buying and from whom.  Our website Call us with questions as need be!  248-871-7756

Where you get your Medicare help is super, super important! Not just anybody is GOOD with this stuff. Connect with us, find us --- www.boomerhealthgroup.com   It's super important to get things right.   And, check out our Google reviews! 

Take your time, learn and do things methodically. Then you won't be like Jon who said "It all happened so fast, I left employer insurance and picked the wrong thing just to get it done. I hate it. Help."  Call us! 248-871-7756 or visit the website www.boomerhealthgroup.com  

As we head into the Medicare season full of agent solicitations, postcards in the mailbox, etc.  Buyer beware.  Learn about the two products you can choose as it relates to Medicare. We'll help you.  Go here to listen to a really good (long!) video about the products. It's one of the core things to know about Medicare. Be armed with some knowledge. Call us if you have questions, because we know you will :)   248-871-7756

Turning into September brings us squarely facing Medicare's Annual Election Period!  Yikes. This year will bring more and special challenges which we feel will bring more confusion to our consumers. NOT what they need nor want.  

We all know how difficult it is to call the insurance carrier. Here’s my story as I sat in trying to assist someone in another state. :)

There are countless situations that we come across with our Medicare beneficiaries. There is often no direct line of advice that we can give. We work with you until a solution is found!  248-871-7756 

The complexity is rising!  Tough to stay protected but you realllllly need to learn a few things about Medicare. Realize the system is designed to confuse you. We can help. www.boomerhealthgroup.com   

Not always easy! As people AGE and health changes, you hope that you picked or have the "right coverage" for what you'd like your health insurance to deliver.  Cost vs coverage. Can I go to my doctors, etc. Case study with a gentleman making a tough decision. Slow down, get all the facts and do the best you can! We'll help. 248-871-7756

A family member that bought a Plan F because she didn't talk to us... how crazy is that :)  Ask questions!  We're here to help with all things Medicare.  Fondly, Your Michigan Medicare Team  

It's that time of year -- coming up to the crazy Fall enrollment times for Medicare AND employer coverage (typically in the Fall)!  Listen in to understand that there is no "family plan" when it comes to Medicare. Visit www.bhgvault.com  and www.boomerhealthgroup.com to learn more! 

Fall is certainly in the air in Michigan!  Boomer Health Group is here to teach all that you need to know about Medicare enrollment and product selections. We attended a DFCU Social Security session and talk about understanding that the SS Administration is NOT your best place for MEDICARE advice! Listen in and call us.  www.boomerhealthgroup.com   

The never ending stuff that we need to combat on a daily basis. Listen in.

Think about who you're referring to. 1. Yes, please bring up Medicare!  2. You don't know what to do when the client says "yes, I'd love help!" (YIKES!)  3. Careful that who you refer to isn't engaging your client with products that you may not be aware of.  Happens far more than you can imagine.

Consumers are the only ones that get frustrated with the Medicare process. Listen in!

Try and put yourself into the shoes of an 82 year old, for example, when you are choosing your Medicare products. Sounds crazy but there are good reasons to do so. Like purchasing insurance on your house after a fire, some things just cannot be fixed. 

Chance encounter with an advisor in San Diego leads to a good outcome for his father in law!  Tune in - 

It's our annual prep time for the coming year in terms of "new stuff". Plan changes, new testing requirements for agents, things like that. SO, if we are getting hit with all sorts of chaos? We certainly know that are consumers are as well....  Take a planned approach to Medicare and you'll be OK.  www.BHGvault.com 

Listen in to hear how millennial’s can spice up our industry :-)

It's a constant message that we work to deliver.  When someone approaches Medicare, they have only two choices of products to "supplement" their Medicare.  One is Medicare Advantage, the other is Medigap. Apples and oranges. Each and every day we hear from folks who have/had 'no idea'. Don't let that be you. Call BHG!

Joanne is here in San Diego to talk to CUSO Financial Services FAs from across the U.S. Incredibly happy to be able to bring them our Medicare-Message.  The industry is starting to take note of the confusion facing 10,000 people per day - so why not bring us to San Diego to talk about it! Share with your advisor as well. 

People that work in the group workplace benefits space don’t always know the ins and outs of Medicare. Do yourself a favor, make a call for a second opinion.

Enrolling into a Medicare Advantage plan shouldn't be a "one and done".  We highly, highly recommend a good old review each fall performed by.... YOU!  You need to check with your doctors, your medications, your plan documents and more.  Don't want to deal with all of that? Don't enroll into Medicare Advantage. Call our team at 248-871-7756 to talk things through! 

Hilarious (to us!) how people just don't understand what they have, if they have, regarding Medicare coverage.  Listen in to the story..... 

We get it. Sometimes our Medigap plans sound too good to be true so they can be looked at with a tad of skepticism. Totally get it!

A hot topic these days as people work longer. Tune in to see if group insurance is better than Medicare or vice versa.

When our clients ultimately have a sickness (the bad), we often can deliver positive health insurance information (the good). That’s what we’re here for! 

If you are approaching age 65, you will totally relate to this short clip.

There is so much misinformation and miscommunication in the world of Medicare. Remember the old game of telephone when you were a child? You start it again when you’re 65!

Get second opinions! We’re used to getting a second opinion regarding our health care – why not get a second opinion on your health insurance?

How are we compensated? Consumers should know how their agent is compensated. Know the questions to ask and how it might affect you. 

We schedule our teeth cleanings six months in advance, right? Why not take the same approach to Medicare. Listen in.....! 

You can have really good coverage without buying multiple policies – listen in! 

The work never ends for those of us working in the Medicare space. Incredible amounts of work to do. Sharing some stories and a few announcements in this episode.

Don’t do it! Listen in as to why we suggest that you do NOT have your premiums withheld from your Social Security checks.

Dig beneath the surface in your Medigap vs Medicare Advantage decision

There are times when people need to sign up for Medicare part B, and there are times when they don’t need to do so. One 10 minute phone call to us would clear up their confusion. And, save them some hard earned cash!

We get a lot of questions about the historically popular Medigap Plan F. How does it differ from Plan G? Listen in.

Quick discussion about chemotherapy and Medicare charges. Understand how your policies and contracts work.

We find that many many people do not understand the differences between traditional Medicare plus a Medigap contract versus Medicare Advantage plans. It’s important to know the little nuances. Listen in!

Medicare decisions are often not very easy. Listen how this wise advisor steered his clients toward a better decision. 

Tune in to hear about this common Medicare advantage mistake. Avoid it for yourself or for your clients.

Education is the key!

Advisers, CPAs, the world: let’s help your clients understand that there are two choices when it comes to Medicare product selection time. Listen in!

Business owners have special circumstances related to Medicare. Beware of the traps. Advisers – dig deep into healthcare with your clients. They will love you for it

Medicare From The Island