Maximizing Medicare with Paul Sheldon

Salvation through Jesus.  Contact Paul 3 months before turning 65.  MEDPAC - Medicare Payment Advisory Commision.  Breakdown of Medicare Advantage Plans.  Not efficient.  HMOs.  Role of Lobbyists.

Getting rates, which are tentative on exam.  Whole life insurance with dividends.  Medicare Supplement Premiums.  The effect of inflation on rates.  Plan G comparisons.  Real life example - Canyon Country couple.

Client story Retired from Kern Co.  HMOs vs PPOs.  Tehachapi Couple retiring.  Medicare Supplement C and why not recommended.  Inflation Reduction Act and difficulty finding medications.  

Social Security Act with FDR.  Lyndon B. Johnson amended so that it includes Medicare.  School district retirees, helped save them $21K per year.  Medicare late enrollment penalty.

Client who's husband passed away, importance of life insurance.  Beware of commercials for Medicare and dental. 5 recommended PPO plans.  Getting rid of Medicaid??

Taxes - filing married or separately: check your Medicare Rates and ask you CPA.  Loss Ratio: Money received vs claim payouts. Medicare Part D.

Beck Jones joins Paul as well as a special Easter message.

Diabetes treatments sky rocket.  Drug prices up.  Patients up 142K to 1.5 million.  Hairloss and ED meds not covered.  "Upcoding" beware of fraud (United Healthcare says accusations are false)  Agentic AI - Using AI as agents to help the customer.  23 and me files for bankruptcy.

When to contact Paul for Medicare - 3 months before turning 65.  Cataracts: various surgeries, Medicare doesn't cover elective surgeries, patient pays the difference.  Dr. Oz and the Center for Medicare and Medicaid.  VA & Tricare.

Discusses Screening, billing cycles, preferred pharmacy and prescriptions.  Business is more than just the bottom line.  Paul helps a client save over $10K a year.

 Ryan's story into self-employment. Selling Medicare Supplement Insurance.  Personality gets you leads. Listen & hear clients. Make friends then sell

Plus-  Owner can sell Term Insurance before it ends.

Plus Appealing late enrollment penalty

Plus  Did United Healthcare put patients at risk.

Plus no more walk ins at local Social Security office.

Plus Hospitals are opting out of Medicare Advantage Plans

Plus Doctors incentives set by Medicare Hikes

 Parents should plan for the time when unable to do daily activities.  Nursing homes, wheelchairs, scooters, etc.  Long Term Health Care Insurance. Life Insurance Policy for kids.  Dividend paying.  Whole Life Policy.

Ridin bikes with pea shooters when young and buying records. DOJ sues CVS over opioid crisis.  CMS states Health Care Spending up - alot to do with anti obesity drugs.  Medicare Advantage Open Enrollment Jan 1 to Mar 31

 Happy New Year.  Biden Inflation Reduction Act. Insulin max $35 co-pay. Dollar Cap $3300 - in 2025 $2000.  Real life example - Man recently divorced - boss will pay Medicare currently $900/mo will be $231/mo saving over $8K a year.  CMS sunsets Medicare Advantage because too costly.

Christmas. Trump and Health Insurance. 2 Most important prepositions in the Bible.  I Peter 1 vs 1-12 - Inheritance imperishable & Galatians 3 - All one in Jesus Christ.

Costs per area - Kern Co lowest.  We prefer United American not about commission. Ex-Retired photographer from $515 to $295 month & drug plan from $170 to $1.80 month.  Inflation Reduction Act and Trump.

Last day for changes to Medicare - can still do online.  Real life appointment - Neighbor's Mom - Plan went from $1170 to $174 per month. PPO mo Medicare VS Medicare Supplement

GEM Care partners with Blue Shield. Gov wants you to pay Medicare Part B premium.    

Thanksgiving Episode, GEM Care Jan 1st move to BFMC.  Medicare Supplement B, Jesus "It is finished". Forgiveness.  Call Paul after Nov. 30th.