By Giardini Medicare
Moving yourself into the Medicare system for the first time can be a challenge. When we say "first time" we mean those folks that are turning 65 and need Medicare now or those that are retiring pas
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The podcast currently has 131 episodes available.
In this episode, Cameron Giardini and Joanne Giardini Russell from Giardini Medicare discuss the major changes coming to Medicare Advantage plans in 2025. With the landscape of Medicare Advantage evolving rapidly, it's more important than ever to stay informed and understand how these changes could impact your healthcare coverage.
What we’ll cover:
- Current State of Medicare Advantage: Learn about the latest enrollment trends, premium changes, and why these plans have been so popular among Medicare beneficiaries.
- What’s Changing in 2025: We’ll break down the upcoming changes, including higher utilization rates, lower-than-expected funding from the federal government, and the impact of the Inflation Reduction Act on Medicare Advantage plans.
- Industry Insights: Hear what key players like AHIP, UnitedHealthcare, Aetna, and others are saying about the future of Medicare Advantage and how they are preparing for these shifts.
- Potential Impacts on Your Coverage: We discuss the likely impacts of these changes, from potential premium increases and reductions in extra benefits to higher out-of-pocket costs and even some plans exiting certain markets.
- Our Expert Takeaways: Get our thoughts on how these changes will affect you and your options for 2025, including alternative choices like Medigap and Part D plans.
Whether you’re currently enrolled in a Medicare Advantage plan or considering your options for the future, this episode provides a comprehensive guide to navigating the 2025 changes. We’ll help you understand what to expect, how to prepare, and how to make the best decisions for your healthcare needs.
Don't forget to subscribe and leave us a review so you never miss an episode! For more Medicare insights, search for Giardini Medicare on YouTube, or schedule a one-on-one call with one of our brokers at gmedicareteam.com. If you have any questions or feedback, feel free to reach out to us at [email protected].
Tune in now to stay ahead of the changes and make the most informed choices for your Medicare coverage in 2025!
Video Sources:
Wellcare Leaving Certain Markets
Aetna Medicare Advantage Market Article
Medicare Advantage Loss Ratios
KFF Medicare Advantage Loss Ratios
Loss Ratios and Supplemental Benefits
Medicare Advantage Landscape
UHC Utilization Article
In this episode, Cameron Giardini and Joanne Giardini Russell of Giardini Medicare dive deep into the crucial changes coming to Medicare Part D in 2025. With the summer break behind us, we're kicking things off with everything you need to know about how these changes could affect your prescription drug coverage.
We’ll cover the most critical updates, including:
- The new $2,000 cap on out-of-pocket Part D costs and what it means for you.
- The introduction of the Medicare Prescription Payment Plan, designed to help spread out your prescription expenses into manageable monthly payments.
- The end of the infamous “donut hole” coverage gap—finally!
- Increased financial responsibility for insurance companies and how this might impact your Part D premiums.
- The new Premium Stabilization Demonstration Program aims to control premium increases and offer more competitive plans.
Whether you’re already enrolled in a Part D plan or just beginning to explore your Medicare options, this episode breaks down the complexities in a clear and understandable way. We also share our expert insights on what these changes could mean for you, how to prepare, and what to look out for in the coming months.
So grab your coffee, sit back, and join us for this essential guide to navigating the 2025 Medicare Part D landscape! Don’t forget to subscribe, leave a review, and share this episode with friends and family who might benefit from understanding these upcoming changes.
To access our FREE online course, use this link: https://www.gmedcourse.com/
To schedule a call with one of our brokers, use this link: https://gmedicareteam.com/
Don't forget that you can also find more Medicare content from us by going to our TikTok and YouTube channels.
Episode Sources:
Inflation Reduction Act Timeline
Medicare Guidance for Prescription Payment Plan
Part D Premium Stabilization Program
KFF Explaining the Inflation Reduction Act
As we approach the peak of summer, we understand that learning about Medicare often takes a backseat during this time of year. Therefore, we will take a break from releasing our biweekly episodes of the Transition to Medicare podcast for the next few months.
Stay Informed This Summer:
- Access Past Episodes: Our previous podcast episodes contain relevant information. Feel free to revisit them anytime.
- Watch Our Videos: We will continue producing new Medicare-related videos on TikTok and YouTube. Search for "Giardini Medicare" on these platforms for fresh content.
- Get Personal Assistance: If you have specific questions, email us at [email protected] or call our agency at 248-871-7756.
Enjoy Your Summer, and we look forward to reconnecting with you after Labor Day!
Are you fully protected with your current Medicare plan? In our latest podcast episode, we dive deep into the often-overlooked yet vital insurance options that complement Medicare. Discover how specific plans can shield you against unforeseen expenses related to cancer, hospitalization, travel, and more. Whether you’re enrolled in Original Medicare, Medicare Advantage, or Medigap, we’ve got insights that could save you from unexpected financial burdens.
In This Episode, We Explore:
Cancer Insurance: Learn how lump-sum cancer policies work alongside your existing Medicare Advantage or Medigap plans, providing financial aid during challenging times.
Hospital Indemnity Insurance: Understand how this type of insurance can alleviate out-of-pocket costs associated with hospital stays, especially for those with Medicare Advantage.
Short-Term Care/Home Health Care: We discuss options for short-term care insurance that fills gaps left by Medicare in skilled nursing and home health care scenarios.
Travel Insurance Needs: With Medicare coverage limitations abroad, find out why travel insurance is crucial for your peace of mind during overseas trips.
Contact Us:
Need personalized advice? Schedule a consultation with our experts at Giardini Medicare at https://gmedicareteam.com/ or drop us a message at [email protected]. Visit our YouTube channel for more content on making the most of your Medicare coverage.
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.
You can also connect with and learn more on TikTok and our private Facebook Group. While you're at it, check out our Google Reviews! Please get added to our mailing list so we can stay in touch with you.
Sources:
Milliman Report about 2024 MOOP
Medicare Skilled Nursing Coverage
Medicare Home Health Services
Medigap Foreign Emergency Coverage
Medicare Coverage Outside of U.S.
GeoBlue Travel Insurance
American Cancer Society Facts and Figures
In this essential episode of the Transition to Medicare Podcast, we break down the key milestones and timelines you need to be aware of to transition into Medicare stress-free. Whether you're a few years away or just months before turning 65, understanding when and how to enroll in Medicare, Medicare Advantage, or Medigap can save you time and avoid unnecessary stress.
We'll guide you through different stages—from 10 years before turning 65 to the months immediately preceding your birthday. Learn about the critical periods for enrolling in Medicare Part A and Part B, the implications of the IRMAA based on your income, and the advantages of different plans such as Medicare Advantage or Medigap. Plus, find out how to navigate changes if you're enrolled in employer group health insurance and how to compare it with Medicare options effectively.
Don't miss our take on the overwhelming amount of Medicare information out there. Stay tuned for practical advice on handling your enrollment as the big day approaches. Subscribe to stay updated on all things Medicare, and visit our website at gmedicareteam.com for personalized support from our expert brokers.
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.
Check out our website at https://gmedicareteam.com/. Also, see our additional educational content on our YouTube Channel.
You can also connect with and learn more on TikTok and our private Facebook Group. While you're at it, check out our Google Reviews! Please get added to our mailing list so we can stay in touch with you.
Sources:
Average Medicare Advantage Premium 2024
2024 Medicare Costs
Medicare Application Forms
How to sign up for Medicare
2023 Medicare Trustees Report
Ever found yourself pondering the complexities of changing your Medicare Supplement (Medigap) coverage? You're not alone. Whether you're eyeing a switch from one Medigap plan to another, considering a transition to Medicare Advantage, or simply looking to update your Part D coverage, this episode of the Giardini Medicare Podcast is your go-to resource. Join Cameron Giardini and Joanne Giardini-Russell as they delve into the nuances of Medigap changes.
This episode isn't just about what to do; it's about understanding your options and the optimal times for making changes, underscored by different scenarios and streamlined processes. Whether it's leveraging the Medigap Open Enrollment Period, navigating the waters of Guaranteed Issue Rights, or tackling underwriting challenges, we've got you covered.
Plus, for those considering a switch to Medicare Advantage or merely tweaking their Part D plan, we break down the critical timelines and procedures to ensure a seamless transition.
Remember, changing your Medigap coverage isn't a decision to take lightly. With the right knowledge and guidance, you can make choices that best suit your health and financial well-being.
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.
Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.
You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.
Sources:
List of Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods
2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf
In this episode, we're tackling a common question among Medicare Advantage enrollees: How do you switch to a new Medicare Advantage plan or transition to Medicare Supplement (Medigap) and Part D coverage? If you're considering a change or want to understand your options, this is for you.
Hosted by Cameron Giardini and Joanne Giardini-Russell of Giardini Medicare, we provide clear, actionable information on navigating Medicare changes. Our agency, based in southeast Michigan, assists consumers across 13 states in finding suitable Medicare coverage. For those living outside of these states, we connect you with reliable agents who can help.
In This Episode:
- An introduction to Medicare Advantage plans and how they compare to Original Medicare.
- A breakdown of when and how you can switch Medicare Advantage plans or move to Medigap and Part D coverage.
- Real-world examples to illustrate the change process and what to expect.
Before you go, consider subscribing for more Medicare insights and visit our website for personalized support. Schedule a call with our licensed brokers at gmedicareteam.com or contact us at 248-871-7756 for direct assistance.
Tune in to demystify the process of changing your Medicare Advantage plan and equip yourself with the information needed to make informed healthcare decisions.
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.
Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.
You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.
Sources:
Medicare Advantage Special Enrollment Periods: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods
Medigap Guaranteed Issue Rights: https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy
2024 Medicare and You Handbook: https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf
2024 Choosing a Medigap Policy: https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
Ever heard Medicare myths that made you think twice? This episode cuts through the confusion, debunking the most common Medicare myths to help you avoid costly mistakes. From the real costs of Medicare to eligibility misconceptions, we're covering essential truths:
- Medicare Isn't Free: Unpack the real costs behind Part A, Part B, and why Medicare Advantage or Medigap might cost you extra.
- Not Everyone Needs Medicare at 65: Discover when you can delay enrollment without penalties, depending on your current health coverage.
- Medicare Before 65: Learn how disabilities, ALS, or ESRD can qualify you for Medicare earlier than you thought.
- No Family Coverage: Medicare coverage is individual—what this means for you and your loved ones.
- Enrollment Isn't Automatic: Find out when you need to sign up for Medicare yourself to avoid being left without coverage.
- Medicare Advantage vs. Supplements: Clearing up the confusion between these two very different options.
- Changing Plans Can Be Simple: Demystifying the process of switching your Medicare or Medigap plans.
Tune in for a straightforward breakdown, designed to guide you through the Medicare maze with ease. Subscribe for more insights, and don’t hesitate to reach out for personalized assistance. Do you have questions or experiences to share? Drop us a comment below!
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.
Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.
You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.
Sources:
Medicare Savings Program Qualifications
SSA Full Retirement Age
Medicare Card with Medicare Advantage
2024 Medicare Costs
Medicare Guide for Turning 65
Medicare Eligibility Under Age 65
In this episode of our podcast, we delve deep into the intricacies of Medicare Advantage (Part C) plans, a popular choice among Medicare beneficiaries. With many $0/month premium options that offer additional benefits not covered by Original Medicare, many are left wondering, "What's the catch?" Join us as we answer that very question!
Key Highlights
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country.
Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.
You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.
Sources:
We used far too many sources in the making of this episode to list here, but here is a link to a Google doc that includes the sources so you can take a look and do a deep dive on your own! https://docs.google.com/document/d/1kpE8TX-cXcEzVK5FFbZ7EUcgdD3qfdIRLFXxiuHefx0/edit?usp=sharing
Dive into our latest podcast episode where we tackle some of the most pressing Medicare questions asked by our audience! From Medigap enrollment nuances to managing Health Savings Accounts post-65, we've got you covered. This episode is a treasure trove of insights, ensuring you navigate Medicare with confidence and ease.
Key Highlights:
Why Listen:
This episode is packed with practical advice, demystifying Medicare and empowering you with the knowledge to make informed decisions. Whether you're just transitioning to Medicare or looking to optimize your current plan, this episode is a must-listen!
Please register for our FREE Online Course here: https://www.gmedcourse.com/
Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states: AZ, CA, FL, IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.
Check out our website at https://gmedicareteam.com/ Also, see our additional educational content on our YouTube Channel.
You can also connect with and learn more on TikTok and our private Facebook Group, and while you're at it, check out our Google Reviews! And please get added to our mailing list so we can remain in touch with you.
Sources:
States' unique Medigap underwriting rules
Medigap Pricing Under age 65 in Virginia
Medigap pricing for those under age 65
Official Choosing a Medigap Policy Handbook
New 2023 Part B SEPs from BENES act
The podcast currently has 131 episodes available.
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