PPOs for vision care.  Medicare.  Long term care is not covered.  ETTDBC (Eating, toileting, transfering, dressing, bathing, continence)  Life Insurance - it only gets more expensive as we age.  Long Term care Insurance - may need a minimum of $200/day benefits.  Real life appointment: Couple save over $500/month!

Guest General Surgeon Roland Rodriguez.  Universal Health Care: Is it "right"?  Socialized medicine - leads to rationing and scarcity.  Can also compromise quality.  Competition leads to improved quality and reducing costs.  Medical School.  Big Beautiful Bill.

Guest Chris Graham of Graham Financial Group, insurance agent in Florida.  United American Insurance.  Lapse in coverage could lead to rate increase.  How to keep your policy when you move.  Medicare Advantage Plans: pressure to cut costs.  Financial incentive over care.  

Real life example of couple from Frazier Park and an unexpected job loss, they could work in Medicare.  Skin Substitutes - used to replace damaged skin, led to abusive pricing and fraud.  Article " Social Security Shake Up in 2026 - 3 changes for retirees"

Guest Sam Olsen - owner of Sam Olsen Insurance Agency and friends with Paul's son.  We discuss Medicare, skin substitutes, Medicare Advantage Plans, and what to do about Cancer.

Signa PPO dental plans vs HMOs.  Teens & Diabetes.  Health & Human Services recinds undocumented immigrants access to healthcare.  Medicare Plan D - deductibles rising.  Skin substitutes.

Real life appointment: client retiring from school district saves over $7000 per year.  Frank Becher and the importance of calling back people. Minimum 2 per day.  The importance of advertising correctly.

Guest Mike Lemar president of Sunshine State Agency.  The importance of picking the right plan for you.  United American and their automatic claims filing.  Medicare advantage plans and why they're a mistake.

Pharmacy Benefit Managers.  Reimbursements not covering cost of drugs.  Wegovy/Zepbound prices fall but access is still limited.  Bill 242 Medicare Supplements coverage and open enrollment period will doom lower prices.

Medicare at risk due to lobbyists.  Proposed law mandates enrollment in Medicare Advantage.  Top 20 Hospitals in the United States. United American is most stable, including rates.