RHU with Randy Carson of C2C Consulting public
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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…
 
At minute 4:15 we start to uncover the motive behind all the concern those Medicare Advantage plans express for your well-being. Can it be sincere? 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:…
 
A fruitless attempt to figure out why a prescription drug ID card in the hands of a new client was rejected by drug store staff. The excitement starts at minute 3:00! 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. Offic…
 
Starting at minute 10:00 we hear from a German national who went to Wilhelm Automotive (for auto repair) and found Medicare for the Lazy Man in the waiting room. Of course she has questions about her Medicare eligibility that only a team of immigration lawyers could handle. Then hear an explanation of how buying a Part D drug plan "off the shelf" w…
 
One of them was lucky enough to be allowed the improvement, but for the other it was too late. We all cross the line of insurability at some point in our lives, maybe early on or maybe at the very end. Crossing that line often removes the option to step up to more comprehensive protection. This discussion started at minute 11:30. After describing l…
 
At minute 10:00 we look at a Medicare Supplement plan that allows one to change to more comprehensive coverage at year 2 with no restrictions. Also, why is individual dental coverage so darned expensive? Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short custome…
 
After describing the solution devised on Omaha Beach by a real-world problem solver, we turn to the serious subject matter at minute 13:20. A 73 year-old procrastinator finally steps up to face the financial music, after realizing that a serious and expensive medical problem was about to change his life. This was a situation that, as youngsters in …
 
Sometimes free association leads us astray but the serious Medicare content in this episode starts at about minute 18:00. What follows is four items dredged up from the bottom of the MLM Mailbag, including a couple from professional Medicare insurance agents. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com…
 
The hard core Medicare content starts at minute 14:30. Then you will hear about a surgical clinic defection from the Anthem network in Missouri. How about that MLM staff, huh? 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 reade…
 
We launch right into a couple of sticky wickets presented by correspondent Steve, one of our most inquisitive listeners. Also, what deadly examination practices are they teaching in endocrinology school? Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short custome…
 
No more scary "High Deductible" plan; we are renaming it to the more accurate: High Value Plan. Great protection along with great savings! The name change celebration starts at about minute 8:00! 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…
 
Our trip to the MLM Mailbag today leads us through the design of Medicare Supplement plans in Wisconsin in order to help a soon-to-be retiree come to the best possible course of action. 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 fu…
 
The most cost-effective PDP (Prescription Drug Plan) takes into account your drugs needs plus the places you fill prescriptions. Ignore the monthly premium; ignore the deductible; concentrate on the total annual out-of-pocket cost. The fun starts at minute 10:15. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon…
 
Paul Sheldon is as expert as they come in the Medicare arena. His very informative Youtube webinar is discussed at minute 6:00 and is located here: https://www.youtube.com/watch?v=wsBy0cKIGrc Enjoy! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer rev…
 
Best kept secret in all of Medicare: High Deductible supplement plans; so cheap that an agent's commission check is almost too embarrassing to cash. Good for customers, tough on agents! The salesmans' pain begins at minute 5:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return…
 
In this, history's longest MLM podcast, we also examine motivations behind apparently altruistic efforts to identify members who may be in dire straits. Should we be suspicious? The Medicare fun starts at minute 8:30. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a…
 
Additional subjects: 5 Reasons people switch plans during Annual Election Period; Roger the sound engineer has a happy ending; police visit Chez Jones looking for a stolen white Dodge sending a GPS locator signal. Serious Medicare business starts at minute 11:15. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon…
 
We open the mailbag with a plea for assistance from Wisconsin. Time was I used to suggest they seek help from local insurance types. No more! Now I am licensed in all states and stand ready to become a broker to anyone in the USA desiring my assistance. All this serious stuff starts at minute 4:30. We also read mail from a Georgia sound engineer wh…
 
Other horrible things we address include a Medicare claim denial booklet addressed to the wrong party, weird looking people on the cover of the newest "Medicare and You" government guide book and correspondence from a reader in Massachusetts seeking professional advice. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on…
 
First, listen to a carefully constructed rendition of how a lost tooth leads to some of the tastiest steak dinners in the Midwest. Ridiculing of the easily panicked germaphobes begins at minute 13:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer r…
 
Annual Notice of Change will arrive and government bureaucrats hope you will enjoy reading it! It delineates changed provisions in your plan for 2021. Before that, enjoy some denture misadventures up until minute 9:30! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave …
 
Before dredging up some items from the MLM Mailbag, Randy interrogates me as to how insurers assess risk and decide whether to accept or reject it. 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:…
 
Underwriting departments are full of lawyers and other mole people who never see the light of day (voluntarily). What they are busy doing is forcing agents like me to interrogate clients mercilessly through application questionnaires. The misery begins at minute 6:30. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on A…
 
Keeping our solemn pledge, we "get after it" at minute 4:00. I first attempt to narrow the scope and answer Steve's very general question about why there are so many confusing plans. My allusion to the Baucus Amendment is very impressive! Then, new correspondent Mike has some specific questions about his very expensive medications. My speculation a…
 
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