The Transition to Medicare Podcast

Ever found yourself pondering the complexities of changing your Medicare Supplement (Medigap) coverage? You're not alone. Whether you're eyeing a switch from one Medigap plan to another, considering a transition to Medicare Advantage, or simply looking to update your Part D coverage, this episode of the Giardini Medicare Podcast is your go-to resource. Join Cameron Giardini and Joanne Giardini-Russell as they delve into the nuances of Medigap changes. This episode isn't just about what to do; it's about understanding your options and the optimal times for making changes, underscored by different scenarios and streamlined processes. Whether it's leveraging the Medigap Open Enrollment Period, navigating the waters of Guaranteed Issue Rights, or tackling underwriting challenges, we've got you covered. Plus, for those considering a switch to Medicare Advantage or merely tweaking their Part D plan, we break down the critical timelines and procedures to ensure a seamless transition. Remember, changing your Medigap coverage isn't a decision to take lightly. With the right knowledge and guidance, you can make choices that best suit your health and financial well-being. 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:List of Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf

In this episode, we're tackling a common question among Medicare Advantage enrollees: How do you switch to a new Medicare Advantage plan or transition to Medicare Supplement (Medigap) and Part D coverage? If you're considering a change or want to understand your options, this is for you.Hosted by Cameron Giardini and Joanne Giardini-Russell of Giardini Medicare, we provide clear, actionable information on navigating Medicare changes. Our agency, based in southeast Michigan, assists consumers across 13 states in finding suitable Medicare coverage. For those living outside of these states, we connect you with reliable agents who can help.In This Episode:- An introduction to Medicare Advantage plans and how they compare to Original Medicare.- A breakdown of when and how you can switch Medicare Advantage plans or move to Medigap and Part D coverage.- Real-world examples to illustrate the change process and what to expect.Before you go, consider subscribing for more Medicare insights and visit our website for personalized support. Schedule a call with our licensed brokers at gmedicareteam.com or contact us at 248-871-7756 for direct assistance.Tune in to demystify the process of changing your Medicare Advantage plan and equip yourself with the information needed to make informed healthcare decisions.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:Medicare Advantage Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periodsMedigap Guaranteed Issue Rights: https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf

Ever heard Medicare myths that made you think twice? This episode cuts through the confusion, debunking the most common Medicare myths to help you avoid costly mistakes. From the real costs of Medicare to eligibility misconceptions, we're covering essential truths:- Medicare Isn't Free: Unpack the real costs behind Part A, Part B, and why Medicare Advantage or Medigap might cost you extra.- Not Everyone Needs Medicare at 65: Discover when you can delay enrollment without penalties, depending on your current health coverage.- Medicare Before 65: Learn how disabilities, ALS, or ESRD can qualify you for Medicare earlier than you thought.- No Family Coverage: Medicare coverage is individual—what this means for you and your loved ones.- Enrollment Isn't Automatic: Find out when you need to sign up for Medicare yourself to avoid being left without coverage.- Medicare Advantage vs. Supplements: Clearing up the confusion between these two very different options.- Changing Plans Can Be Simple: Demystifying the process of switching your Medicare or Medigap plans.Tune in for a straightforward breakdown, designed to guide you through the Medicare maze with ease. Subscribe for more insights, and don’t hesitate to reach out for personalized assistance. Do you have questions or experiences to share? Drop us a comment below!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:Medicare Savings Program QualificationsSSA Full Retirement AgeMedicare Card with Medicare Advantage2024 Medicare CostsMedicare Guide for Turning 65Medicare Eligibility Under Age 65

In this episode of our podcast, we delve deep into the intricacies of Medicare Advantage (Part C) plans, a popular choice among Medicare beneficiaries. With many  $0/month premium options that offer additional benefits not covered by Original Medicare, many are left wondering, "What's the catch?" Join us as we answer that very question!Key HighlightsUnderstanding Medicare Advantage: A concise overview of how these plans work, their history, and why they're an attractive option for seniors.Funding Insights: Insight into the funding process, including federal budget impacts and the shift in Medicare payments towards these plans.Differences Unveiled: A look at how Medicare Advantage and Original Medicare funding diverge, emphasizing the capitated payments model.Key Terms Explained: Simplified explanations of benchmarks, risk scores, and quality payments, and their roles in Medicare Advantage funding.Challenges Addressed: Discussion on the systemic issues like risk adjustment, coding practices, and their implications for beneficiaries and Medicare's future.Our Take: Reflecting on the balance between offering valuable benefits to beneficiaries and the financial realities facing Medicare Advantage plans.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: We used far too many sources in the making of this episode to list here, but here is a link to a Google doc that includes the sources so you can take a look and do a deep dive on your own! https://docs.google.com/document/d/1kpE8TX-cXcEzVK5FFbZ7EUcgdD3qfdIRLFXxiuHefx0/edit?usp=sharing

Dive into our latest podcast episode where we tackle some of the most pressing Medicare questions asked by our audience! From Medigap enrollment nuances to managing Health Savings Accounts post-65, we've got you covered. This episode is a treasure trove of insights, ensuring you navigate Medicare with confidence and ease.Key Highlights:Medigap Enrollment Post-65: Discover if you're eligible for Medigap after delaying Medicare Part B.HSA and Medicare: Learn how enrolling in Medicare impacts your Health Savings Account.Avoiding the Donut Hole: Strategies to manage medication costs and avoid the Medicare coverage gap.Medicare Advantage for Under-65s: Understand why Medicare Advantage plans are often recommended for those eligible before 65.Switching Medigap Plans: Explore the possibilities of changing your Medigap plan with your current provider.Why Listen:This episode is packed with practical advice, demystifying Medicare and empowering you with the knowledge to make informed decisions. Whether you're just transitioning to Medicare or looking to optimize your current plan, this episode is a must-listen!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:States' unique Medigap underwriting rulesMedigap Pricing Under age 65 in VirginiaMedigap pricing for those under age 65Official Choosing a Medigap Policy HandbookNew 2023 Part B SEPs from BENES act

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