Douglas B. Jones, CLU, RHU with Randy Carson of C2C Consulting public
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Plans can influence the life spans of their enrollees, but most shoppers do not have enough information to choose the best ones. A single determinant is most critical: the price of the plan. The serious Medicare action starts at minute 13:45. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to lea…
 
Plus, Steve asks about employee leasing companies? Are they still out there? The serious MLM Mailbag readings start at minute 10:00. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send…
 
One of the few Medicare questions to be answered with a question mark. Leave it to Dominick Regina to stump the expert while demanding an episode index! The early minutes are spent addressing other problems, such as an indecisive high school reunion committee and the lovely Daniella dodging a direct request for the expected release date for our aud…
 
Has your health deteriorated to the point where you cannot qualify for a more affordable plan? Don't despair, there is one sure-fire solution for you! The solution appears after16 minutes of free association about subjects like Dr. Michael DeBakey and the best use for his famous clamp. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guid…
 
We review several news items pertaining to turnover in the business (including a Part D plan going defunct). First we break out the party hats and noisemakers for a "welcome" extravaganza to commemorate the arrival of little Nora Laine McMillin on April 6th, 2021! Congratulations Magda & Drew! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easi…
 
What happens to your Medicare participation if you return to the USA after years in a foreign country? Will your Medicare Supplement need to be replaced if you move from the frozen northeast to warm and balmy Florida? Join us for a marathon trek through the MLM Mailbag today! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2…
 
After a spirited discussion of Indian casinos and Alaskan oil dividends, at minute 14 we turn to the MLM mailbag. Correspondent Tim is trying to decide whether to stay on his wife's expensive group plan that pays for treatment at Mayo. His alternative is to enroll in less expensive Medicare and a supplement but lose the access to Mayo services. Wha…
 
Why Obamacare, of course, as I explain in answer to a question from the MLM mailbag! When it was a free market everyone paid less. We'll get there at minute 14 after I describe one of the three evenings I spent hanging around with The Beatles. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to le…
 
If you haven't guessed the culprit by now, go back to Episode 1 and listen again for the oft-used word "disadvantage". Also, Randy is going to avoid family fireworks by dodging holiday gatherings. You see, his nephew is a budding insurance agent who sole his own mother a Medicare Advantage plan. Trouble on the horizon! Inspired by "MEDICARE FOR THE…
 
For the first 10 minutes I describe my father's favorite recreational activities, including pulling weeds and testing customer treatment at various Ford dealerships in the area. Then I describe the symptoms many of us have felt after completing the second injection of Moderna, including a fever, lethargy and some temporary "brain fog". In the "I to…
 
Being pursued by a lynch mob of demanding customers renews one's sense of accomplishment and feeling of self-worth. Share the joy with me at starting at minute 12:30! We start and finish the episode with the usual "free association" discussion, including the British Invasion of the 1960s and why farm silos can't be made to look more perfectly symme…
 
In order to avoid a tax penalty, do not make a deposit to your HSA while participating in any part of Medicare. Take it from me, you should also stay away from flat beer! Prepare for some MLM Mailbag items starting at minute 8:15. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short c…
 
The first 13 minutes of this episode illustrate the difference between a cultured professional expert server of traditional Irish Guinness and a ham-fisted American beer swiller too cheap to give up the contents of a half-barrel with an overdue deposit. Bonus question: Who got snookered in the lease deal between Arthur Guinness and the City of Dubl…
 
A reading from Chapter 9 of the 2021 edition of Medicare for the Lazy Man as we enjoy the first ever MLM field trip! Celebrating St. Paddy's Day, Randy introduces me to uniquely Irish customs, like drinking Guinness in the morning, listening to barking poodles and passing aircraft. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ev…
 
Watch out! A sudden event can change your health and remove any options you once had to improve your protection and reduce your costs. This and other interesting items from the MLM Mailbag hit the microphone starting at minute 4:00. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short…
 
Between passes from the 2-cycle power tools I dip into the MLM Mailbag for some actual Medicare content. This all starts at minute 10:30. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com…
 
An expert predicts a dire future for the Medicare Trust Fund if taxes don't rise and payments to doctors don't decline. Haven't we heard this before? The bad news starts at minute 4:30. The Drew McMillin family prepares to take in a roomer next month AND my friend Seamus Carney's massive bony feet fascinate doctors at the Army induction center! Ins…
 
Hard to believe but experts like us can actually make it all fit! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send questions & love notes: DBJ@MLMMailbag.com…
 
....spend the first 12 minutes getting ready to start the work at hand. Then I delve into the MLM Mailbag. A question about how desirable Plan N would be is answered briskly. Also, the short list of nosy questions I must ask before being able to provide an accurate Medicare Supplement premium quote. I neglected to mention asking about any roommates…
 
Those who have only a temporary need or who can tolerate a limited level of protection might take a look at short-term health insurance. In fact, this could be a good choice for healthy people closing in on Medicare eligibility. At minute 8:00 we "get after it"! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazo…
 
At minute 8:00 we discover that no, enrolling in Part A when you turn age 65 will only be a mistake if your medical plan allows for tax deductible HSA deposits. There was also some discussion of HSAs vs. FSAs for those who are curious about such things. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Re…
 
Listen to the long list of freebies that Medicare will provide. The goal is to catch potential medical problems before they become serious. The episode begins with a sneaky engineer who started recording earlier than usual... without warning anyone! Thanks a lot, Randy! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" …
 
Medicare Supplement High Deductible Plan G will almost always provide big monthly premium savings over regular Plan G and even over the newly promoted Plan N. Agents won't volunteer it until you demand to hear about it. Why? Because there is very little commission money in it for them! Jump to minute 14:45 unless you'd like to eavesdrop on our rand…
 
For today's episode I dig deep into the MLM Mailbag, withdrawing a stack of correspondence. I then proceed to attack this correspondence in reverse date order, answering questions and sewing seeds of confusion throughout the podcast. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a shor…
 
Peace of mind or saving lots of money; how does one make the best choice? For some, the decision process is a real struggle, even though the worst-case risk is very limited. We breeze through it starting at minute 8:00. Read more in Chapter 8: The Best Kept Secret in Medicare! Welcome to Randy's first episode since getting the virus on New Years Ev…
 
The eye candy visible from the studio windows offered a powerful distraction to this junior podcaster. Difficult as it was to stay on point, I still managed to address several items from the MLM Mailbag, starting at about minute 8:30. Note: The Wuhan Flu paid a visit to the MLM production staff in late December, shortly after this episode was recor…
 
One important lesson to take away from Episode 146: If the Feds try to nail you with an IRMAA and the high income year was a fluke or one time event, grab the proper form (I can help with that) and file an appeal! In addition to the Medicare content (which starts at 6:00) I remind listeners that announcer Drew McMillin is on track to becoming a fat…
 
A large fraction of Medicare eligibles are planning to continue working into their late 60s or beyond. Eventually, it will be wise to seek advice from a Medicare expert in order to manage the transition from employer insurance to Medicare without violating any deadlines or risking continuity of coverage. The serious content starts at 4:50. Near the…
 
Insurance salesmen have a multitude of training resources while their prospects have no one to coach them through the sales meeting. We at MLM shed some light on the process by which an agent attempts to persuade people to buy insurance. Note: The Wuhan Flu paid a visit to the MLM production staff in late December, shortly after this episode was re…
 
But wait, there's more! Act now I'll throw in an additional 5 scenarios (and how to handle them) for no extra cost. That is an amazing TEN scenarios for the price of none! Instruction starts at 6 minutes in. Note: The Wuhan Flu paid a visit to the MLM production staff in late December, shortly after this episode was recorded. It wreaked havoc with …
 
We interrupt our holiday mirth and merriment in order to share some professional opinions in answer to queries from readers and listeners. 1) Plan N is a perfectly reasonable recommendation from one's insurance agent. 2) If you like your California doctor, purchase of a Medicare Supplement will allow you to keep seeing him. However, won't it be inc…
 
At minute 7:30 we review a report on the odds you will be able to get a plan with all of the great things Mr. Namath promises: prescriptions, meals, transportation, dental/vision and the much coveted Part B "give back". Turns out, the odds of getting all of that in any one Medicare Advantage plan are slim to none. Once again, the hype machine is wo…
 
Mike isn't sure which part of Medicare will cover his treatments and neither am I. Whether it will be Part B or Mike's drug plan makes a difference in the percentage Mike will have to kick in. My solution? Ask the doctor, or maybe the office staff. It is likely they have had to find this information for previous patients. Don't reinvent the wheel! …
 
Open Enrollment Period (OEP), January through March, is another time when you are allowed to leave an Advantage plan if it has become a problem. The strange part is: the mental giants controlling Medicare instruct agents to keep this under their fedoras unless the client expresses distress and asks if anything can be done. Go figure, huh? The weird…
 
Most people won't like the price. Seeking freedom of choice, I found a plan that does not force the insured into a tiny network of dentists plus it has hearing and vision benefits, Send me an e-mail if you want a brochure. Would you like to know the "Best Kept Secret in Medicare" or the only Medicare Advantage plan I actually like? Look in the new …
 
If you are age 65+ and need a drug plan to ward off that lifetime late enrollment penalty, it can be a do-it-yourself project. In short order, the steps pictured in Chapter 11 of MLM 2021 will lead one to the least expensive prescription drug plan available. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever!" on Amazon.com and B…
 
A dip into the MLM Mailbag produces a question from a D.O. He wants to keep his current insurance and forego Medicare until he retires someday. I had to reassure him that he could ignore the Medicare whores and stay the course, just as long as he remains actively employed and covered by health insurance deemed "creditable". His is just the first of…
 
Amazon has the paperback version listed for sale; the e-book and audible versions are coming as soon as possible. Book number 1 apparently went out to Dominick Regina but enough other copies have been sold to earn the prestigious orange banner: #1 New Release! Also in this episode, check out: www.Q1medicare.com and listen to a list of things a sale…
 
After some rigorous Medicare Q & A we wrap it up with the heartwarming story of Pinky, the kitty cat hoping to be adopted, or at least released. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer review & help future readers. Official website: https://www.Me…
 
Super-fan Dominick Regina has requested the first copy off the presses. I hope we can accommodate that request! Also, guess whose grandson is considered such an essential Californian he will be first in line for the Chinese virus vaccine? Ahead of first responders and even old folks, he will continue to serve the essential function for which he has…
 
Coincidentally, a well regarded insurance company in Ohio announced it has severed ties with a large network of medical providers. Where will those members go for treatment when they need it? Their Advantage plan has become degraded but they are trapped in it until AEP next fall. We cannot address all of the pitfalls in this single episode. We try,…
 
First out of the box, Randy has a diabetic relative who fell into the clutches of an evil Medicare Advantage salesman: her very own son! Help! After dealing with that family tragedy, we discuss DVH: dental, vision and hearing insurance. Not included with Medicare, you'll have to buy it yourself. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Ea…
 
At about minute 12:30, correspondent Steve checks in with a question about how to choose the best Medicare Supplement insurance company. Be careful of carriers not dedicated to multi-year rate stability. Others will post higher than average rate increases to recapture the profits they gave up while luring unwary bargain hunters. Most likely impossi…
 
After being questioned at some length, even asked to complete a 3rd party questionnaire, I warned that he might be over-thinking the Medicare Supplement purchase process. My prospect replied in measured but very firm tones that I had been the one to warn readers of my book about the potential land mines waiting for the unwary. Eventually, I had to …
 
At minute 4:30 we run down another list of scams being perpetrated on the Medicare generation by hard working shysters. Also discussed is the potential for voter fraud 40 miles west of Chicago and the endlessly entertaining presentations by Joe Namath. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and Ba…
 
According to an article, there are six Medicare scams making the rounds: phone calls, door to door visits and fake genetic testing frauds are just a few of the methods they will try. The Medicare fun starts at minute 7:30 and ends with an in-depth discussion of the Blue Collar Comedy Tour. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Eas…
 
Step up to a "high value" Medicare Supplement plan by answering some health history questions and plunking down a few bucks every month. After minute 6:00 I read out those few health questions. Follow along and see if you qualify to join us in the land of Medicare bliss and joy! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide …
 
That is what happens with a Medicare MSA plan. As they say, "you decide how to spend, save or invest the funds". Send us an e-mail if you would like to see a brochure. We "get after" the Medicare business at minute 14:00. Among other subjects, we describe what happens after a car goes airborne and flies into a house, and what it is like to pick cot…
 
Our current favorite correspondent Steve has presented a pithy question that demands a thorough answer. I am happy to comply at minute 4:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer review & help future readers. Official website: https://www.M…
 
Early on we had a mouth-watering discussion of the best Ruben sandwiches ever served in Arizona. At minute 10:00 the fun stopped and the Medicare started. Following that was a short dissertation on the history and origins of radio station call letters. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and Ba…
 
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