Maximizing Medicare with Paul Sheldon

Thanksgiving special.  God enjoys when we give thanks.  Jesus died for our sins.  Biden Harris Inflation Reduction Act.  Mark Cuban and his website: CostPlusDrugs.com.  Deductible increases coming up.

A look at Medishare.  Individual Health plan rates.  Obama Care price increases.  Whether health good or bad, rates are the same.  Long term care insurance.  Saving real people money.  Retired real estate agent saves over $7000/year.

Cutting commisions on drug plans.  Insurance companies no longer paying to sign people up.  Skin substitue spending is up.  Legal issues and reimbursement schemes.  Why Aetna focusing on provider experience.

Fewer companies offering drug plans.  Price increases coming in 2026, max $50/year.  2027: May not have any drug plans.  Government subsidies going away, Insurance companies may have to subsidize. Medicare Supplement Plan price increases.

Which drug plan is #1 for you?  Open enrollment time.  Biden Inflation Reduction Act spent too much money on Green Energy and Climate change funding.  Drug plans cutting commision to $0.  Client stories: Customer save over 13K/yr.  Rise in cancer possibly due to obesity.

 The Good & Bad of Medicare.  Client email shares their story about Medicare HMOs and they weren't interested in Medicare Advantage plan feeling it was substandard care.  Advantage plans bring in more money but aren't that good for the client.  Special Enrollment period.  HRA: Health Reimbursement Arrangement.  MFN: Most Favored Nation clause.

Changes to Drug Plans.  Medicare News: Insurance Commissioner Javier Bacerra.  Effects on Drug Plans because of Biden's Inflation Reduction Act.  Insurance Companies asked to subsidize costs, said no and left CA. Medicare Advantage PPO - no more in 2026.

 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.

Hims & Hers companies expand into Canada.  Paul recaps his trip to Greece & Turkey.  Understanding Medicare coverage while incarcerated.  Client savings when switched to Medical.  Medicare Advantage Plans & Fraud.