Why Medicare Answer Center Doesn’t Ask For Your Phone Number

When I started helping people with Medicare more than ten years ago, I was dismayed at how many people did not fully understand their Medicare options when they first went on Medicare.

Importantly, they did not understand the potential negative consequences on their access to health care and their finances from making a poor Medicare choice.

Finally, far too many people going on Medicare did not understand that the initial choice they made about their Medicare could become a permanent choice they could not change if they had or developed health issues.
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Who Is Managing Your Health?

There is only one acceptable answer to this question and that answer is “you.”

However, if you make the wrong decision about how to receive your Medicare, your health could be managed by an insurance company’s budget analyst often more concerned about the profits of his employer than your best health outcome.

When you first go on Medicare – usually at age 65 but often later if you are still working – you can choose to receive your Medicare benefits through regular Medicare combined with a Medicare Supplement and a Medicare Part D drug plan.

Or, you can instead assign your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan such as Humana Gold Plus or Kaiser Permanente. Read More

What Does “Covered” Mean?

Every year I go through training for the upcoming Medicare Annual Enrollment Period and 2019 calendar year.

It usually takes around a week to take the courses and pass the tests required to verify that I know what I need to know to help people who are going on Medicare understand how Medicare works and what their options are with Medicare.

This year one phrase in the training stood out because it discussed a very deceptive part of Medicare Advantage plans.

As you probably know if you have read any of my writings, I strongly believe Medicare Advantage plans are one of the most deceptive and harmful ideas the government has ever allowed to be perpetrated on the American people. Read More

The Most Important Fact To Know About Medicare

This single most important thing to know about Medicare is – If you do not enroll in a Medicare Supplement when you first go on Medicare Part B – or within the first six months of your Medicare Part B effective date – you may never again be eligible for a Medicare Supplement.

Charles Bradshaw
The reason for this is that after six months, Medicare Supplement carriers can ask health questions and many conditions that you may have now – or may develop in the future – may make you ineligible. Read More

Who Is Managing Your Health?

There is only one acceptable answer to this question and that answer is “you.”

However, if you make the wrong decision about how to receive your Medicare, your health could be managed by an insurance company’s budget analyst often more concerned about the profits of his employer than your best health outcome.

When you first go on Medicare – usually at age 65 but often later if you are still working – you can choose to receive your Medicare benefits through regular Medicare combined with a Medicare Supplement and a Medicare Part D drug plan.

Or, you can instead assign your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan such as Humana Gold Plus or Kaiser Permanente. Read More

Why Medicare Answer Center Doesn’t Ask For Your Phone Number

When I started helping people with Medicare more than ten years ago, I was dismayed at how many people did not fully understand their Medicare options when they first went on Medicare.

Importantly, they did not understand the potential negative consequences on their access to health care and their finances from making a poor Medicare choice.

Finally, far too many people going on Medicare did not understand that the initial choice they made about their Medicare could become a permanent choice they could not change if they had or developed health issues.
Read More

Your Most Important Medicare Goal

You have one goal when choosing a Medicare plan that far outweighs any other goal.

That goal is as follows:

At some point in your life – and I hope it never happens – you may be diagnosed with a serious health condition for which you want to use the doctor or hospital with the most experience and expertise for your condition and who therefore gives you the best chance for the best health outcome. If this happens, you should be able to get this care as soon as possible with little or no cost.

Being a doctor is a noble profession. But a doctor is not a commodity. Some doctors simply have more experience and expertise for certain conditions than others.

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What Are Captive Medicare Agents? And Why you Should Avoid Them

As you go through the process of learning about Medicare and choosing a Medicare plan, there are different people you can talk to about your options.

It is an excellent idea to work with a Medicare agent who represents several different Medicare Supplement carriers. This agent will be able to focus on what is right for you.

A type of Medicare agent that you want to avoid is called a “Captive Agent”. A Captive Agent only represents one insurance carrier and usually can only offer one plan. They are almost always directly employed by an insurance company. Read More

The Medicare Musical Chairs Trap

I received a call from Bruce in Ohio last week.

Bruce is 69 years old and was diagnosed with Atrial Fibrillation two years ago. He has only had two episodes of an irregular heart beat and feels he has the condition well-managed with a medication called Xarelto.

The reason Bruce was calling was the Medicare Supplement he had chosen when he turned 65 had increased its premium nearly 50 percent in four years.

Charles Bradshaw
Unfortunately, Bruce was now unable to leave this plan for a less-expensive Medicare Supplement because the Atrial Fibrillation caused him to be declined when he applied for a different Medicare Supplement. Read More

Medicare’s Enrollment Timeline

If you do not enroll in a Medicare Supplement when you first go on Medicare, you may never to able to get one. Read More