The Brad and Mike Show

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 Med...

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...

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...

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...

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 guaran...

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...

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-p...

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...

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 , th...

Are the extra benefits in Medicare Advantage plans really worth it? In this episode of The Brad and Mike Show , Brad and Mike discuss the popular “extras” that come with many Medicare Advantage plans—such as dental, vision, hearing coverage, OTC allowances, flex cards, and gym memberships . They explain why these benefits can be helpful but shouldn’t be the main reason you choose a plan. Instead,...

Medicare penalties can be confusing—and costly. Brad andMike unpack the penalties tied to Medicare Part A, Part B, and Part D , including what triggers them, how they’re calculated, and which ones can follow you for life. They also discuss credible coverage , why prescription drugcoverage is often misunderstood, and how IRMAA can raise your Part B andPart D costs due to a two-year income lookback....

In this episode, Brad and Mike dive into the Medicare acronym of the day: SEP (Special Enrollment Period). Think of an SEP as your “golden ticket” to make changes to your Medicare coverage plan outside of the Annual Enrollment Period. Whether you’re retiring late, moving, losing employer coverage, gaining or losing Medicaid, or impacted by special circumstances, SEPs provide flexibility when life...

In Episode 5 of The Brad and Mike Show, we take on one of the most confusing Medicare topics: Medicare Supplement Plans (or Medigap). We break down what Medicare Supplement Plans cover, what they don’t, and who they actually make sense for. We explain how supplements work alongside Medicare Parts A and B, why Original Medicare typically only covers about 80% of your medical costs, and how a supple...

Medicare Advantage plans can be simple — if you know what to look for. In Episode 4, Brad and Mike explain how Medicare Advantage works, why Part B premiums never go away, how copays and prescription drug tiers affect your wallet, and what benefits like SilverSneakers actually offer. A must-listen if you’re approaching Medicare or reviewing your current plan.

Turning 65 soon? Retiring before or after 65? Still working and unsure how Medicare fits into the picture? In Episode 3 , Mike and Brad answer the most common Medicare questions they hear every day , and clear up the confusion around enrollment, retirement timing, penalties, and coverage options. In this episode, we cover: When you should apply for Medicare What to do if you retire before age 65 W...

In today’s episode, Brad and Mike tackle a common question: What if I’m still working when I hit 65? They explain how employer size, creditable coverage, and your work situation all affect whether you need to enroll in Medicare Part A and Part B. This episode covers: • Working past 65 — what changes and what doesn’t • When Medicare enrollment is required • What “creditable insurance” means • How s...

Welcome to the very first episode of The Brad & Mike Show, powered by SBEA — the Supplemental Benefits Exchange Agency! In this episode, Brad and Mike pull back the curtain on: ✔️ How they got into the insurance industry ✔️ Why they created an agency built on trust, transparency, and no chasing clients ✔️ The evolution of employee benefits from old-school sales to AI-driven enrollment ✔️ What...