Jae'$ Corner Podcast

Sorry, it's not the Mother of Thrones Podcast.... Case #1: Medicare Annual Election Period and Open Enrollment Period are over. That means you cannot enroll in Medicare, Medicare Advantage, or Part D, unless you qualify for a Special Enrollment Period. It's important, because people frequently make mistakes, and there's a twist for those that are late. Case #2: If you have lived abroad and are relocating back to the US, you need to know what you can and cannot do, prior to repatriating.

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There are three ways that one can get accepted into Medigap without medical underwriting...

a. Medigap Open Enrollment. Turning 65, and those that do not have Part B yet. You are safe.

b. Medigap Guaranteed Issue. Situations occur (SEPs) which allow acceptance into Medigap Plans A,B,C, F,K, L. This is powerful, but will lose its effective power at the end of 2019.

c. Guaranteed acceptance. Entirely depending on the combination of state and carrier, there are some (NOT all) carriers that will allow you to cancel existing group coverage, and enroll in Medigap. This is entirely elective by the carrier and the state, both.

See point b? Look at the subset of plans, it is not all of the Medigap plans. Notably absent are Plans G and N, two of the most popular Medigap plans. Plan F is included in that listed subset, but will be closed at the end of 2019 for new enrollees. That effectively reduces / eliminates the power of point b. It's an emergency. I have known this and this set of statements have sat in the depths of statements of this Newsletter, for years. Now, it's the bottom of the 7th inning.

The full explanation, and the background to the timebomb (existing retiree plans weakening, layoffs within GM white collar ranks are obvious examples) are explained in GH2 Unfiltered. The information and explanation are too subtle, too delicate to be mishandled by readers of a public newsletter.

The video version of this is posted on the Maximize Your Medicare website: www.maximizeyourmedicare.com.

GH2 Unfiltered provides the information that cannot be provided in the book, and cannot be provided for free. The reason is that someone will misinterpret and mishandle the very sensitive information in the service.

The video will give you a sneak peak of the site itself. This podcast will describe the reasons why we need a separate, standalone subscription page.

You can subscribe here: https://www.gh2benefits.com/gh2unfiltered/

The problem: it depends.

Say you are in a hospital and further testing is required. The samples are analyzed at another provider, even within the same hospital system. That provider may be out of network, and you could be unaware of this fact. Yikes. If you have a Medicare Advantage plan, you may or may not be able to prevent this from occurring.

The idea that a law could change this? Unclear.

Example #2. Joint replacement surgery, done on an outpatient basis. Here, Medigap will be worse because rehab requires 3-day inpatient hospital stay. Medicare Advantage? Some plans require 3-day inpatient hospital stay, and some do not. You'll need to be verrrrrry careful.

Be sure to subscribe to the Maximize Your Medicare Podcast on Apple Podcasts (and rate it!)

Official book website: http://www.maximizeyourmedicare.com

The 2019 Edition is still only $0.99 on kobo.com for first-time users of the app/website!

You Can Enroll Through March 31, 2019From January 1 through March 31, you can enroll in Part A and Part B if you have not done so, but should have. The effective date for Part A and Part B will be July 1, 2019. In addition, the Late Enrollment Penalty will continue to accrue until July 1, 2019.

For those on COBRA, the pod explains that COBRA is very complicated, and doubly so for married couples.

If you are enrolling in Part B late, then there is a Special Election Period which begins on April 1, and enrolling in a Medicare plan may be important for multiple reasons.

Please rate the podcast on Apple Podcast and subscribe to the MYM Newsletter at www.maximizeyourmedicare.com!

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Great Deal at walmart.com! (Click HERE). $0.99 if you use a first-time buyer code for the NEW 2019 Edition of Maximize Your Medicare. The version has been re-organized, and includes new information about the Open Enrollment Period (runs Jan 1 - Mar 31), as well as the increasingly complex situation when you work beyond 65 years old.

Please subscribe to the podcast on Apple Podcasts, Google Podcasts, and everywhere that you listen!

Happy New Year!

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The Medicare Annual Election Period (AEP) ended on December 7th. However, a NEW enrollment period will begin on January 1. The pod describes what can still be done.

SUBSCRIBE TO THE YOUTUBE CHANNEL: https://www.youtube.com/user/MaximizeYourMedicare

Every Year, A Special Appearance!

Medicare Annual Election Period (AEP) ends on December 7th. You can select a Medicare Advantage plan OR a standalone Prescription Drug Plan (Part D), and change as many times as you like, the last one selected will be the one in effect on January 1, 2019. In addition, there will be a NEW Open Enrollment Period that begins on January 1, 2019.

However, there are differences that people need to understand.

The individual health insurance Open Enrollment Period ends on December 15th.

Be sure to subscribe to the MYM Podcast on Apple Podcasts and rate! Don't forget the YouTube channel (link).

This Happens

Sometimes it takes just one friend. That friend has listened to me present ** Medicare ABC's (https://youtu.be/9LtNTAkYD0w) on multiple occasions. He kept telling his female friend that having Medicare Part A, Part ,B and Part D alone was not a good idea. This year, he told his friend, "If I have to drag you there physically, I'm going to do it.” She relented, and called. After 10 minutes on the phone, she revealed joint replacement surgery, scheduled for November 28th. She said “I also don't have any money, and the last time, I had bills in the thousands.”

Read More: http://mailchi.mp/0da1923a087e/maximize-your-medicare-newsletter-nov-10-2165513

If your acceptance is not guaranteed due to federally-protected rights (Medigap Open Enrollment or Guaranteed Issue):

a. Carriers can ask what they want regarding your health,

b. Carriers can deny your application.

These are known, what is not well-known is that they are not asking the same questions.

To simply "get lucky" and get accepted under this idea is too risky, because when you apply, you are agreeing to the release of the fact that you have applied to a centralized location (MIB Group), that is used to prevent insurance fraud.

Bottom line: it is more subtle than you see on YouTube.

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