Medicare uses income from two years ago to help determine what you pay today, and that can lead to an unexpected income-related surcharge.

In this episode, Brad and Mike explain how IRMAA can increase Medicare Part B and Part D costs, why the surcharge may apply to both spouses, and what financial events can push your income into a higher bracket.

They also cover a story from real clients and how selling their business increased their surcharge. Other related topics explained:

• How the two-year income lookback works

• How Roth conversions and required distributions can affect premiums

• When retirement or reduced work hours may qualify for an appeal

• What to do if you receive an IRMAA notice

Understanding these rules early can help you avoid surprises and better prepare for Medicare.

👍 Like, subscribe, and turn on notifications for more Medicare tips and guidance!

📞 Have questions about Medicare? Call us or visit our website to learn more. Call 734-259-6750.

Connect with Brad & Mike:

🌐 Web: ⁠⁠https://bradandmike.com⁠⁠

📅 Schedule a Medicare Consultation: ⁠ ⁠https://calendly.com/mikesbea/30-minute-medicare-meeting⁠

📺 Watch on YouTube: ⁠https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN⁠

#Medicare #IRMAA #MedicareCosts #MedicarePartB #MedicarePartD #RetirementPlanning #MedicareHelp

Episode 17 is here, and it's a big one! Brad and Mike diginto the Medicare changes coming for 2027, including updates from the Inflation Reduction Act that are just now taking effect.

The main event: a deep dive into the 15 additional drugsgetting negotiated pricing in 2027, including Ozempic, Rybelsus, Wegovy, and Trelegy Ellipta, plus the permanent end of the donut hole and the brand-new Medicare GLP-1Bridge Program for weight-loss-related coverage.

Whether you're a current Medicare beneficiary or helping a loved one navigate their options, this episode has something for you.

👍 Like, subscribe, and turn on notifications for more Medicare tips and guidance!

📞 Have questions about Medicare coverage? Call us or visit our website to learn more. Call 734-259-6750.

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a Medicare Consultation: ⁠ https://calendly.com/mikesbea/30-minute-medicare-meeting

📺 Watch on YouTube: https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

#Medicare #MedicareAdvantage #MedicarePartD #InflationReductionAct #GLP1 #Ozempic #Wegovy#MedicareSupplement #HealthInsurance #BradAndMikeShow

In this episode of The Brad & Mike Show, Brad and Mike explain how to find your health insurance rate online with no agents needed. They walk through the basics of getting a quote, entering your ZIP code, checking eligibility for subsidies, and reviewing special enrollment options, comparing plans, and making sure your doctors and prescriptions are covered.

They also discuss why rates can vary by county, how household income can affect subsidy eligibility, and what to consider when comparing bronze, silver, and gold plan options.

Find your health insurance rate, compare your options, and enroll when you’re ready — all at your own pace.

👍 Like, Subscribe, and turn on notifications for more Insurance & Medicare tips and guidance!

Have questions about Insurance or Medicare coverage? Call us or visit our website to learn more.

📞 Questions? Call Brad & Mike at 734-259-6750

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a Medicare Consultation: ⁠ https://calendly.com/mikesbea/30-minute-medicare-meeting

📺 Watch on YouTube: https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

#HealthInsurance #HealthInsuranceRates#NoAgentsNeeded #Medicare #TheBradAndMikeShow #HealthcareTips #HowtoEnroll#BradandMike

Still working when you turn 65? You might think your employer health insurance has you covered — but there are 7 costly mistakes that could land you with surprise bills, late enrollment penalties, and tax headaches. In Episode 15 of The Brad & Mike Show, Brad and Mike break down exactly what you need to know about Medicare when you're still on the job past 65.

7 Costly Medicare Mistakes:

1. Assuming all employer coverage lets you delay Part B

2. Not checking your employer size (the magic number is 20)

3. Thinking COBRA counts as a qualified health plan

4. Missing the 8-month Special Enrollment Period when you retire

5. Believing retiree insurance protects against penalties

6. Ignoring HSA contribution rules once on Medicare

7. Waiting too long to submit your CMS-L564 paperwork

More people than ever are staying in the workforce beyondretirement age, and most don't realize the costly mistakes hiding in the fine print. From the employer size rule and COBRA misconceptions to HSA contribution limits and the all-important CMS-L564 form, Brad and Mike walk you through what actually matters so you don't get caught off guard. If you or someone you know is approaching 65 and still on the job, this one's a must-listen.

👍 Like, subscribe, and turn on notifications for more Medicare tips and guidance!

Have questions about Medicare coverage? Call us or visit our website to learn more.

📞 734-259-6750 | 🌐 www.bradandmike.com

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a Medicare Consultation: https://calendly.com/mikesbea/30-minute-medicare-meeting

📺 Watch on YouTube:https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

#Medicare #WorkingPast65 #MedicareMistakes#TheBradAndMikeShow #MedicarePlanning #MedicareHelp #RetirementTips #MichiganPodcast

Ready for Medicare Enrollment. Start here.

Brad just turned 65 and is telling you exactly what to expect — the full enrollment process on SSA.gov, the snags nobody warns you about, and how to avoid costly delays. Wecover everything from setting up your account and ID.me authentication to timing your enrollment right and what to consider if you're coming off a spouse's employer plan. If the online process feels overwhelming, we share yourother options too.

In this episode, we cover:

• Step-by-step walkthrough of enrolling in Medicare Part A & Part B on SSA.gov

• Setting up your account, ID.me authentication, and two-factor verification

• Common snags that can derail your enrollment (like outdated phone numbers in the system)

• Why timing matters and how waiting too long can push back your effective date

• What to know if you're coming off a spouse's employer insurance plan

• What to do if the online process feels overwhelming — including booking an SSA appointment

👍 Like, Subscribe, and turn on notifications for more Medicare tips and guidance!

Have questions about Medicare coverage? Call us or visit ourwebsite to learn more.

📞 734-259-6750 | 🌐www.bradandmike.com

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a MedicareConsultation: ⁠https://calendly.com/mikesbea/30-minu...

📺 Watch on YouTube: https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

Got a hip or knee replacement on the horizon? Episode 13 ofThe Brad & Mike Show tackles hospital indemnity plans and how they pair with Medicare Advantage.

In this episode, we cover:

• What hospital indemnity plans are and how they work alongside Medicare Advantage

• How to customize your plan to match your specific co-pays

• What these plans typically cost

• Pre-existing conditions and guaranteed issue periods

• Planning ahead for major surgeries and hospital stays

If your Medicare Advantage plan's hospitalization co-payshave you worried, this episode lays out a practical way to plan ahead.

📞 734-259-6750 | 🌐 www.bradandmike.com

👍 Like, Subscribe, and turn on notifications for more Medicare tips and guidance!

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a MedicareConsultation: ⁠https://calendly.com/mikesbea/30-minu...

📺 Watch on YouTube:https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

Turning 65 and torn between Medicare Advantage and aMedicare Supplement? You're not alone.

In this episode, Brad and Mike unpack Medicare trialrights. The trial rights rule gives you a 12-month window to switch between plan types when you first become eligible at 65. Like a “Test Drive” for Medicare.

In this episode, you'll learn:

• What Medicare trial rights are and when they apply

• How to test drive both plan types without getting locked in

• The guaranteed issue protections you need to know about

• Why waiting past 65 to enroll changes everything

• How to weigh your out-of-pocket risk and make the right call

📞 734-259-6750 | 🌐www.bradandmike.com

👍 Like, Subscribe, and turn on notifications for more Medicare tips and guidance!

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a MedicareConsultation: ⁠https://calendly.com/mikesbea/30-minu...

📺 Watch on YouTube: https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

Why are you getting life insurance wrong—and what does itactually take to choose the right coverage?

In this episode of The Brad & Mike Show, we break downthe truth about life insurance and the common mistakes people make when selecting coverage.

You’ll learn:

• Why life insurance is really for your family—not you
• How much coverage you should actually have
• The risks of relying only on employer-provided policies
• The difference between term and permanent life insurance
• How to avoid costly mistakes that leave your family under protected

If you want to make smarter financial decisions and ensureyour loved ones are protected, this episode is a must-listen.

📞 Have questions about Life Insurance coverage? Call us at 734-259-6750.

👍 Like, Subscribe, and turn on notifications for more insurance tips and guidance!

Connect with Brad & Mike:

🌐 Web: https://bradandmike.com

🎙️ Podcast: The Brad and Mike Show

📺 Watch on YouTube: https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN

In Episode 10 of The Brad & Mike Show, Brad and Mike break down everything you need to know about travel insurance — international medical coverage, trip cancellation, and how to protect yourself when your US health plan won't cover you overseas.

Hey, welcome to Episode 10 of the Brad and Mike Show — double digits, baby!

This episode, we're talking travel insurance. Brad actually has a trip coming up — heading to Italy to hike the Cinque Terre — and it got us thinking: what happens if something goes wrong when you're overseas? What if you roll your ankle on the Spanish Steps? What if you get sick in the middle of nowhere? And what if you've already paid for everything — flights, hotels, tours — and suddenly you can't go?

That's exactly why we sat down to talk about two carriers we really believe in: GeoBlue and IMG. Here's what we cover:

• GeoBlue (a Blue Cross product) — international medical coverage with a built-in app that locates the nearest care facility wherever you are in the world
• IMG — trip cancellation and "Cancel For Any Reason" (CFAR) coverage to protect your non-refundable bookings
• What happens when your US health plan doesn't work overseas
• Medical evacuation, upfront payment demands abroad, and more
• Coverage for expats and international visitors to the US

Bottom line — don't roll the dice on a trip of a lifetime. Whether you're heading to Italy, going on a safari, an Alaskan cruise, or a golf trip to St. Andrews — we've got you covered.

🌐 Browse and book travel insurance at your convenience: www.bradandmike.com📞 Have questions? Call us: 734-259-6750

Connect with Brad & Mike:🌐 Web: https://bradandmike.com📺 Watch on YouTube: https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN🎧 Listen on Spotify: https://open.spotify.com/show/51BOiNv9SWxvqCNKjaaDrf?si=243bbee199e74a99

In Episode 9 of The Brad & Mike Show, we dive into what snowbirds need to know about managing Medicare while living in two places.

From choosing between Medigap and Medicare Advantage to understanding provider networks, prescriptions, and telehealth options, this episode covers the key steps to staying covered while traveling.

If you spend winters in warmer states like Florida or Arizona, this episode will help you plan, avoid coverage gaps, and make smarter healthcare decisions on the go.

👍 Like, Subscribe, and turn on notifications for more Medicare tips and guidance!

Questions about Medicare? Connect with Brad & Mike

🌐 Web: ⁠https://bradandmike.com⁠

📞 Call 734-259-6750

📅 Schedule a Medicare Consultation: ⁠https://calendly.com/mikesbea/30-minute-medicare-meeting⁠

📺 Watch on YouTube:https://www.youtube.com/playlist?list=PLv4jJdHf7Bl1HGOC9Po-8zET5CbtpeeNN