Medicare Choices Today May Matter More Later

I have been privileged to help several thousand people who were going on Medicare understand their Medicare options so they could make the right Medicare decision for them.

While many people I help understand the long-term implications of the choices they make when they first go on Medicare, I often talk with someone who does not yet realize the Medicare choices they make when they first go on Medicare are often long-term rather than short-term decisions.

The conversation will often go something like this…

“Hi Charlie…this is Robert. I am turning 65 and going on Medicare next month. I need to decide what Medicare plan I need. I am in good health, take no medications and only see a doctor once or twice a year.”

If I were helping this same person with his property insurance, the same logic would go something like this… Read More

“I Wish I Had Talked With You Sooner”

I talk with many people every day about their Medicare situation.

In most situations, the people I talk with are about to go on Medicare so they still have the opportunity to choose a Medicare plan that will give them maximum access to the health care they may need now or in the future while having their costs paid 100 percent.

However, I often talk with people who are already on Medicare and who may not have realized the fact that bad Medicare choices can be permanent and irreversible.

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 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

Choose the Medicare Supplement Company …Not the Initial Price

Almost every day I receive a request from someone who is about to go on Medicare to provide them with Medicare Supplement quotes for their area.

While I am happy to do this, I always feel the quotes I am providing to them are misleading.

The reason for this is there is virtually no relationship between the monthly premium you pay for a Medicare Supplement at age 65 compared to other carriers and what you will pay over the course of your lifetime.

In many situations, the Medicare Supplement carrier with the lowest premium at age 65 will cost much more than other carriers both in the near future and the rest of your life. Read More

Medicare Choices Today May Matter More Later

I have been privileged to help several thousand people who were going on Medicare understand their Medicare options so they could make the right Medicare decision for them.

While many people I help understand the long-term implications of the choices they make when they first go on Medicare, I often talk with someone who does not yet realize the Medicare choices they make when they first go on Medicare are often long-term rather than short-term decisions.

The conversation will often go something like this…

“Hi Charlie…this is Robert. I am turning 65 and going on Medicare next month. I need to decide what Medicare plan I need. I am in good health, take no medications and only see a doctor once or twice a year.”

If I were helping this same person with his property insurance, the same logic would go something like this… Read More

“I Wish I Had Talked With You Sooner”

I talk with many people every day about their Medicare situation.

In most situations, the people I talk with are about to go on Medicare so they still have the opportunity to choose a Medicare plan that will give them maximum access to the health care they may need now or in the future while having their costs paid 100 percent.

However, I often talk with people who are already on Medicare and who may not have realized the fact that bad Medicare choices can be permanent and irreversible.

Read More

Why Plan G Instead Of Plan F

I often hear the following from someone going Medicare who in the past has cared or currently is caring for a parent or other family member:
“My had a Plan F Medicare Supplement and it covered everything and that is what I want.”

I understand that point of view completely. There is no better frame of reference for what any us of can expect with our health in the future than what we have seen or see with our parents or other older loved ones.
With a Plan F Medicare Supplement, our older loved ones can go to any doctor or hospital anywhere in the country that accepts Medicare – as almost all do – and all of their costs are covered 100 percent. 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

Why Humana Spends So Much Advertising Its Private Medicare Plans

During this time of year, you see what seems like non-stop television advertising trying to persuade you to enroll in a for-profit, restricted access, Managed Care Medicare Advantage plan.

One of the companies that seems to spend the most is Humana touting its “All-In-One” Medicare Advantage plan.

After a while, it becomes obvious these companies must be making a lot of money off of their for-profit, managed-care Medicare plans to be able to spend so many millions of dollars advertising them. Read More