Lighthearted Medicare advice and opinions from longtime expert Douglas B. Jones, CLU, RHU. Drawn from his book: Medicare for the Lazy Man (an Amazon best seller), Doug's advice provides a simple road map to the best Medicare insurance protection available on the market today!
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The Business Growth Architect Show: Aligning Spirituality with Strategic Success The Business Growth Architect Show: Aligning Spirituality with Strategic Success is a unique podcast that merges the worlds of business strategy and spiritual insight. Hosted by Beate Chelette, this show explores how aligning one’s spiritual beliefs with business practices can lead to profound success and personal fulfillment. Each episode offers practical strategies, inspiring stories, and actionable advice to ...
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Ep. 706 - New reason to panic: It's too hot! ...or it's too cold! We're all doomed!
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Limp wristed pantywaists horrified at summer heat in the desert southwest! Also, fatal heart attacks are more likely in cold weather. Politicos are trying to reform the prior authorization process in order to ease the strain on providers and reduce complaints about Medicare Advantage plans. Did your parent(s) have Alzheimer's disease? Does that mea…
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Ep #138: Glenn Moore: What Works, What Doesn’t & Make Every Marketing Dollar Count in 2024
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Had an AHA or Insight? Share it: In this episode, Glenn Moore uncovers what works in marketing, what stopped working, and how to stretch every marketing dollar to the max. Discover actionable strategies to maximize your marketing budget and drive real growth for your business this year. Today, I’m joined by Glenn Moore, CEO of Bear Fox Marketing, w…
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+ Ep. 705 - Flu shots and other vaccines: Get 'em free with Part D!
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Medicare Advantage Minute article for today: Millions on Humana MA plans could see benefits cut. They are ending plans in some areas while cutting benefits in others. The Medicare page on Wikipedia describes some enrollment processes. Finally, correspondence from a prospective client carries questions about Medicare supplement characteristics, part…
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Ep. 704 - Florida: Let's do a little Medicare supplement math; HDG is the winning plan!
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Our Medicare Advantage Minute illustrates a trend responsible for much of the dramatic growth of Advantage plans: Large companies refusing promised retiree benefits if the retiree elects original Medicare rather than a Medicare Advantage plan. Florida: Let's do the Medicare supplement math: Illustrating the potential savings and very limited additi…
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Ep. 703 - MD Anderson Cancer Center & BC/BS Texas Medicare Advantage part company!
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A contract dispute has caused the removal of MD Anderson from BC/BS TX Medicare Advantage networks. This will be a problem for their member patients who relied on Anderson for their treatment. This sad upheaval couldn't happen with Medicare and a Medicare supplement! The Medicare Advantage Minute quotes an article illustrating the areas of the US w…
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Ep. 702 - MA plans are like Roach Motels: members go in but they can't get out!
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The article addressed in our Medicare Minute is entitled, "Need a Medicare Advantage Plan?" It goes on to describe the results of a study illustrating the fact that residents of poor counties have difficulty getting highly rated MA plans. The Medicare Wikipedia page describes how medical doctors are reimbursed for their services depending on their …
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Ep #137: Shelly Niehaus: Practical Steps to Find Your First 20 Clients
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Had an AHA or Insight? Share it: Shelly breaks down practical, easy-to-follow steps to help you find your first 20 clients. Learn how to simplify your marketing, connect authentically with potential clients, and build a strong foundation for your business! In this episode of the Business Growth Architect Show, I speak with Shelly Niehaus, published…
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Ep. 701 - Medicare supplement Plan N? Here is our official position on Plan N!
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The initial segment contains our Medicare Advantage Minute. Here, the government brings a premature end to their experimental MA hospice benefit. On the Wikipedia page regarding Medicare, we wallow in the actuarial magic of reimbursement calculations. This episode culminates with the official position statement of Medicare for the Lazy Man when it …
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Ep. 700 - Sleep apnea? Special guest Randy Norris relates his experiences!
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The episode starts of with the Medicare Advantage Minute segment, an article entitled: A Majority of Medicare Advantage Enrollees Don't Fully Understand Their Plans! Afterword, my friend Randy Norris describes the trials and tribulations of enduring a course of treatment for what has been described as an "off the charts" problem with sleep apnea. C…
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Ep #136: Daniel Den: How to Find Your X Factor
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Had an AHA or Insight? Share it: Discover the 7 Marketing Strategies that make you uncopyable, actionable tips from Daniel Den to discover your X factor and make your business stand out and be unforgettable to your customers. In this episode of the Business Growth Architect Show, I talk to marketing strategist Daniel Den, co-creator of the X Factor…
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Ep. 699 - Special guest: Property & Casualty Insurance Expert Kirk Fisher!
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We kick off this episode with our favorite segment: The Medicare Advantage Minute. Today's article is entitled: The Medicare Advantage Paradox; How Advantage Plans Cost Taxpayers Billions! After that, close personal friend and avid MLM podcast listener Kirk "Fish" Fisher takes the stand for an intense interrogation about his career, his life and hi…
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Ep. 698 - The Medicare Part D $2,000 cap in 2025: Seven things to know...
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In the Medicare Advantage minute, we learn that Centene in 2025 will exit a handful of markets where they currently have MA plans. Wikipedia page on "Medicare" explains the reimbursement for Part A services. Finally, in what is looking like a year of turmoil and change, what you should expect to learn from your Annual Notice Of Change (ANOC). Conta…
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Ep. 697 - The very best Medicare coverage: https://youtu.be/fJhZt5RHiMs
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Once again, Medicare supplements explained in 3 short minutes: https://youtu.be/fJhZt5RHiMs The Medicare Advantage Minute - comes in like a lion, goes out like a little sissy. Sorry folks! The Wikipedia page on Medicare is an exciting lesson on payment for services and drug plans, according to my notes. Finally, a dire prediction for Part D drug pl…
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Ep. 696 - Questionable (maybe fake) diagnoses drain $50 billion from taxpayers
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How do they know? Because the insurance company reporting the diagnosis (like diabetic cataracts) rarely ever treats that disease. Walgreen's is apparently preparing to say "good-bye" to Village MD. Are you an MD? Learn the 15 best and 15 worst states in which to practice medicine. Finally, learn how Medicare is treating GLP-1 drugs for those with …
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Ep #135: Meredith Bell: Learn How to Develop a Strong Character
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Had an AHA or Insight? Share it: Unlock the secrets to building strong character and mastering communication skills with Meredith Bell. Lead in your personal and professional relationships with these insights! In this episode of the Business Growth Architect Show, I sit down with Meredith Bell, co-founder of Grow Strong Leaders, to explore the prof…
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Ep. 695 - Politico comes up with a brilliant idea to fix Medicare Advantage!
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Medicare Advantage may be radically altered if a proposed new law passes. Prior Authorization will be required for Prior Authorizations! Gee, what genius came up with this plan? New business rates are creeping higher in these inflationary times. Rate increases for the rich plan are hitting insureds harder than those for the High Deductible plans th…
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Ep. 694 - Some hope a new law will change Advantage plans - forever!
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They think the problem involving prior authorizations can be fixed with legislation. So the evil MA trolls won't find another way to use their enslaved members to extract more cash from the US Treasury? On the Wikipedia page about Medicare, we learn about out-of-pocket costs: deductibles, co-pays, co-insurance and IRMAA. Correspondence with clients…
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Ep. 693 - The good guys blow it: Conservatives defending Advantage plans!
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The Association of Mature American Citizens (AMAC) takes exactly the wrong position when it comes to supporting freedoms for Medicare participants. C'mon guys, wise up! "Managed care" is not what freedom-loving men and women long for in their health insurance! In the MA Minute, one hour nurse visits to members' homes result in a $15 billion windfal…
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Ep #134: Beate Chelette: Leveraging Spirituality And Strategy For Unmatched Growth And Success!
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Had an AHA or Insight? Share it: Discover how aligning spirituality with strategic success will transform your business! In this episode, I explain how spirituality enhances strategic outcomes. We apologize for some of the audio quality, but feel that the content is strong even with the technical glitches. Thank you for your understanding. Welcome …
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Ep. 692 - Part B monthly premium ($174.70) got you down? Learn the 4 ways to pay.
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Medicare payment options allow some flexibility in meeting this "must do" financial obligation. The only way to dodge it is Medicaid: welfare. Thomas, accident victim in his late 50s, is able to purchase a Medicare supplement plan because his state mandates that right. We list all the states with similar regulations. Finally, One big MA carrier is …
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Ep. 691 - Big Medicare Advantage cuts coming! (Featured on MA Minute)
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Not a new story but one that bears repeating. This is one of many warnings that responsible insurance pros should share with clients. From the "Medicare" page on Wikipedia we learn about how the hospital and nursing facility benefits are renewed after a period without the need for treatment. Medicare supplement rate increases follow the pattern: in…
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Ep #133: Beate Chelette: How to Constantly Improve Yourself
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Had an AHA or Insight? Share it: Unlock the secrets to constant self-improvement and achieving more, faster! Join me as I share practical tips as well as spiritual insights. Learn how to overcome life challenges, boost your mindset, and take action toward success! Today’s topic is worth a solo episode. I dive deep into the essential elements for pe…
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Ep. 690 - Medicare Advantage claim denials up 18.5% over prior years.
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Additionally, providers are having to write off 8.5% of patient revenue from MA members as uncollectible. From the Medicare Wikipedia page: how you qualify for free-of-charge Part A of Medicare. What happens to hospitals with high readmission rates? Ouch! Finally, the sad story of a patient in Bullhead City, AZ who was hauled off to the hospital an…
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Ep. 689 - How your in-network Advantage plan can vanish before you know it!
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When a hospital and Medicare advantage plan part ways, insurance plan members have to look for new docs elsewhere. One woman was forced to scramble to find four new docs and specialists. Are insurance companies keeping secrets? An actuarial reporting firm is asking subscribers to rat out MA plans who intend to exit or reduce their "footprint" in a …
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Ep. 688 - New Alzheimer's blood test up to 97% accurate!
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It can diagnose like no previous test. Can it cure? Nope, no cure yet. Your Federal Government is auditing, setting stiff penalties for fraudulent MA charges...but tells the thieves they can just keep the cash! More exciting prose from the Wikipedia page on "Medicare". Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICAR…
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Ep #132: Douglas Squirrel: From Basement to Boardroom: How to Use Tech in Business
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Had an AHA or Insight? Share it: “Elevate your tech and IT team from hidden workers stuck in the basement to strategic powerhouses in the boardroom.” Admittedly I am a bit of a geek myself. That’s why I asked supergeek Douglas Squirrel, expert in technology and business strategy to join me on the Business Growth Architect Show.. Together, we explor…
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Ep. 687 - "You were right about High Deductible Plan G" Words I love to hear!
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Every so often a client 'fesses up and says they should have listened more carefully to my advice. Today we hear from Michael.....! Also, we enjoy correspondence with a couple of other clients, including Marvin who was helping his 88 year-old-neighbor get away from his Medicare Advantage plan. Also, a woman who is working to become a Medicare agent…
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Ep. 686 - Medicare supplement Guaranteed Issue rules around the country!
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Also, on our Medicare Advantage minute: Anthem Blue Cross is engaged in a dispute that could penalize hundreds of thousands! We revisit the Medicare Wikipedia page with a description of the historical development of this massive government program. Finally, a survey: What do people on Medicare think about Medicare? Contact me at: DBJ@MLMMailbag.com…
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Ep. 685 - Dem plan for drug benefits risks empty shelves, pharmacists say!
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Pharmacists warn of big trouble in the prescription drug supply process if the Administration's plans are instituted. Article for our Medicare Advantage minute shows that enemies of MA plans are worlds apart when it comes to supporting freedom! "Demystifying Medicare" drastically understates the critical importance of Medicare supplements! Finally,…
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Ep #131: Josef Schinwald: How To Leverage Guest Appearances For Business Growth
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Had an AHA or Insight? Share it: Leverage guest appearances for explosive business growth with Josef Schinwald! Learn proven strategies to expand your audience, build your expert status, and boost your brand. In this episode, we have the pleasure of speaking with Josef Schinwald, an expert in podcast guesting, author of "Fast-Tech Formula to High-E…
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Ep. 684 - Company warns of increasing frequency of fraudulent behavior!
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A large insurance firm says their agents are performing unauthorized enrollments and plan switches to enrich themselves to the detriment of their unsuspecting clientele. In our Medicare Advantage Minute we hear the majority of providers say that frustrations caused by prior authorization demands are growing. How about a new problem to watch out for…
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Ep. 683 - "Hospitals Push Back Against Medicare Advantage Plans" - Article
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That is our selection for today's Medicare Advantage Minute. Also, I plug my friend's new book of non-woke wisdom and witticisms: "How It Used to Be"! Finally, a person under age 65 in Virginia with Medicare is only able to purchase Medicare Supplement Plan A. Since I have a client in that position, and he asked for details, we list the differences…
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Ep. 682 - Part B of Medicare: 5 ways to make the most of it!
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In every episode we celebrate a "Medicare Advantage Minute" by sharing a short article or parts of a longer article. Today's selection: Health Providers Irked at the Behavior of Medicare Advantage Plans; Some Refuse to Take Them! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easi…
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Ep #130: Doug C. Brown: Simple Steps to Sell More Without Feeling Rejected
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Had an AHA or Insight? Share it: Doug Brown shares simple steps on how to sell more without feeling rejected. Learn how to boost your sales and confidence! In this episode of the Business Growth Architect Show, Doug Brown of CEO Sales Strategies, a Sales Revenue and Profit Growth Expert, and creator of the Top 1% Academy, explores the transformativ…
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Ep. 681 - Rate increase from major company: Plan G:16% vs. HDG: 0%
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Medicare Advantage Minute: members find "challenges" with their MA plans all too frequently. A long-time client worries that her new annual HDF premium is out of line; I was able to reassure her. Another client needed a reminder about how his HDG plan works with claims that he incurs. His response: "Good information"! Finally, a tutorial on hospice…
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Ep. 680 - Rural hospitals take it in the shorts from Advantage plans!
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Not just the denials but also the deliberate foot dragging and payment delays are causing cash flow problems for those who can least afford them! Surprise, surprise! Sales commissions on Advantage plans are being increased again! ...almost 20%.... Finally, the cost of medications is causing patients to face difficult decisions. Will the government'…
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Ep. 679 - Amazon's "Virginia Mike" takes a trip to the woodshed!
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Early in the episode is a report on the evil doings of Medicare Advantage plans, straight from the Inspector General of the Department of Health & Human Services. Then we have some correspondence with clients, friends and others. Finally, we peruse a list of the best hospitals plus the best cancer treatment centers in America. Contact me at: DBJ@ML…
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Ep #129: Marshall Davis Jones: Speak Clear, Confident, and Persuasive Every Time
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Had an AHA or Insight? Share it: Struggling with public speaking? Discover simple tips to speak clearly, confidently, and persuasively every time with Marshall Davis Jones. Use your body language and tonal influence to be heard and understood every time you speak. In this episode of Business Growth Architect Show, Marshall Davis Jones invites us to…
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Ep. 678 - Advantage plans: popular with people but NOT with docs and hospitals!
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If the government has it's way, doctors will lose 2.9% of their current reimbursements. Also, Medicare drug plans are planning to slash coverage. This will affect EVERYBODY. Finally, prepare to hear more and more about how evil it is to make people work in the heat. What are they going to whine and cry about when winter returns? Contact me at: DBJ@…
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Ep. 677 - Face the facts: Medicare is correctly described as "Socialized Medicine"
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Medical costs were lower and more affordable before the heavy hand of government created a perpetual drain on US prosperity. It should never have been approved and it should be pared down before it does even more damage to our economy. Also, Enjoy correspondence with clients. One states, " You were right...". Another has several meaty questions abo…
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Ep. 676 - Big company rate increases: large ones for Plan G, often zero for HDG!
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If you purchase HDG, historical trends suggest that your premium savings will grow larger and faster in the coming years! How does Medicare treat claims for your colonoscopy? Finally, our MA Minute features the article: Medicare Advantage - a $104 billion scam! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR TH…
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Ep #128: Tom Schwab: How to Stand Out as a Podcast Guest
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Had an AHA or Insight? Share it: Unlock the power of podcasting to skyrocket your business growth! Join us as Tom Schwab reveals proven strategies to enhance your brand presence, attract your ideal customers, and build lasting relationships through podcasting! In this episode of the Business Growth Architect Show, I connect with Tom Schwab about on…
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Ep. 675 - "The Medicare Advantage Trap": Today's MA Minute selection.
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The "Trap" is sprung when a disappointed Medicare Advantage victim tries to escape to Medicare Parts A & B. Eventually, it is determined they can't qualify for a Medicare supplement to complete their health insurance protection. Also, a major Medicare Advantage carrier will not pay bonuses for agents to pester their clients to fill out HRAs (Health…
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Ep. + 674 - Are you new to Medicare? Basic facts about supplement plans revealed!
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A new Medicare participant has one critical choice to make: Advantage plan or supplement plan? The Medicare supplement wins, hands down! Also, research has exposed some fundamental differences in the characteristics of those who select Advantage plans vs. those who purchase supplement plans. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+…
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Ep. 673 - Med Advantage Minute: Did your plan rip off the US Treasury? Maybe so...
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The government has been conducting "secret" audits of Medicare Advantage plans to measure the amount of overpayments siphoning off your tax dollars. Finally, test your knowledge of basic Medicare facts as we run through a quiz of 12 frequently asked Medicare questions. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICAR…
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Ep #127: Rachel Rider Explains How Spirituality Can Make You a Better Boss
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Had an AHA or Insight? Share it: Feeling stressed at work? Join Rachel Rider as she shares how spirituality can help you feel calmer and make better choices. Tune in to learn how connecting with your inner self can transform your work life and boost your confidence! In this episode of the Business Growth Architect Show, we go deep into a transforma…
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Ep. 672 - Need a new liver? Medicare + supplement is the only way to go!
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If you need a transplant and want to have a say in your surgical team plus your recovery facility, you had better avoid a "Managed Care" plan like Medicare advantage! .Find out how much a house call cost my father-in-law (and my parents) back in the last millennium. A chart purporting to show the average cost of a day in a hospital in each state ac…
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Ep. 671 - Senate committee finds: Med Advantage plans use deceptive marketing!
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Gee, how surprising is that? Also, a very nice non-client wonders whether she and hubby were granted a deserved "12% Household Discount" from their Medicare supplement company. Finally, a new client credits my book plus Suze Orman's Podcast for her "Kick Butt" Medicare knowledge. Just a few questions remain to be answered... Contact me at: DBJ@MLMM…
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Ep. 670 - Medicare Advantage dental coverage: What is it REALLY worth?
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How about a clash of the Titans? Omaha's own Warren Buffet was gifted a McDonald's Gold Card, good for a lifetime of free eats at any McDonald's in his home town. In contrast, Bill Gate's Gold Card is good anywhere in the world! Amazon is expanding it's $5 monthly pharmacy benefit with a limited formulary. It won't beat this year's most popular Par…
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Ep #126: Secrets of Good Leaders: Scott Greenberg’s Advice on Managing People and Yourself
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Had an AHA or Insight? Share it: Unlock the secrets of effective self-leadership with Scott Greenberg! Discover how you can get your team to perform better and become an inspirational leader. Join the conversation. In this episode, we connect with Scott Greenberg, an acclaimed speaker, author on leadership and performance and explore the intricate …
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