MORE MEDICARE SUPPLEMENT RATE INCREASE DATA: VERY LARGE FOR PLAN G BUT VERY SMALL FOR HIGH DEDUCTIBLE PLAN G!

SHIP (STATE HEALTH INSURANCE ASSISTANCE PROGRAM) OFFERS MED SUPP PLAN SELECTION ADVICE THAT IS NOT SUPPORTED BY THE FACTS.

Contact me at: DBJ@MLMMailbag.com

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

FROM CSG ACTUARIAL: MEDICARE SUPPLEMENT LOSS RATIOS HAVE INCREASED IN RECENT YEARS; PLAN G RATE INCREASES ARE EXPECTED TO CONTINUE HIGHER THAN AVERAGE THIS YEAR AND THEN LEVEL OFF AFTERWARD.

SOON TO BE CLIENT ROBYN IS CONFUSED ABOUT HOW PART D PRESCRIPTION DRUG PLANS WORK WHEN ONE IS TRAVELING. AI PROVIDES A LENGTHY BUT AUTHORITATIVE EXPLANATION.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

EVERYTHING YOU NEED TO KNOW ABOUT BREAST CANCER AND MEDICARE.

NEBRASKA EMPLOYEE HEALTH INSURANCE FUND - ADMINISTERED BY UNITED HEALTHCARE - DROPPED FROM $83 MILLION to $7 MILLION IN ROUGHLY FOUR YEARS. THAT WILL TEACH THEM TO GET IN BED WITH UHC!

BC/BS TEXAS AND MEMORIAL HERMANN (HOUSTON) ARE BESTIES AGAIN. LAST MINUTE CONTRACT AGREEMENTS PLACED THE HOSPITAL BACK IN BC/BS MANAGED CARE NETWORKS AGAIN.

FINALLY, WE LEARN WHICH AMERICAN CITIES ARE JUDGED TO BE THE MOST AND LEAST HEALTHY!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

AN EXPLANATION OF THE SINGLE MOST IMPORTANT DECISION TO MAKE WHEN PREPARING TO ENROLL IN MEDICARE.

NEW CLIENT CHIP IS HAVING DIFFICULTY WITH HIS SEEMINGLY CONFUSED PART D PRESCTIPTION DRUG PLAN. I ASKED AI FOR WHAT TH BEST COURSE OF ACTION SHOULD BE. THE RESPONSE WAS A PRETTY WELL THOUGHT OUT ANSWER.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

SWITCHING FROM LANDLINE TO CELL PHONE COULD CAUSE TROUBLE WITH YOUR "MY SOCIAL SECURITY" ACCOUNT

GENEROUS BENEFACTORS MAKING MORE GOOFING OFF POSSIBLE THROUGH ECONOMIC DONATIONS.

STALKER SUSIE SUPPORTS OUR BOYCOTT OF "AGEIST" TERMINOLOGY BUT IS  SHORT OF SUITABLE SUBSTITUTES TO SUGGEST AS REPLACEMENTS.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

INSPIRATIONAL STORY: PODCAST LISTENER DEBORAH MOVES HER MOTHER TO RHODE ISLAND AND TAKES ADBANTAGE OF THAT OPPORTUNITY TO WAVE GOOD-BYE TO THE MEDICARE ADVANTAGE PLAN AND ENROLL IN A LOW PRICED HDG SUPPLEMENT PLAN.

FINALLY, A REPRESENTATIVE OF THE "DIVIDED-WE-FALL" BOOK CLUB PITCHED THE IDEA OF THIS AUTHOR PROVIDING REFRESHMENTS FOR THE MANY READING GROUPS WHO HAVE GATHERED TO STUDY "MEDICARE FOR THE LAZY MAN 2026".

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

CLIENT ROBERT, ATTOURNEY IN GEORGIA, SHARES MEDICARE MATT'S ADVICE: MEDICARE SUPPLEMENT PLANHOLDERS SHOULD TAKE ADVANTAGE OF BIRTHDAY RULES TO SEEK OUT CHEAPER RATES, IF THEY CAN.

IN THE SAME VEIN, 4-YEAR CLIENT "MIKE" IS FINISHED WITH HIS EXPENSIVE PLAN G. SWITCHING TO HIGH DEDUCTIBLE PLAN G SAVES $2300 IN A GOOD YEAR AND ONLY RISKS A $300 LOSS IN THE UNLIKELY EVENT OF A "WORST CASE" YEAR!

INJOY MY READING OF A SHORT AI-PENNED REVIEW OF MY FLAGSHIP BOOK: MEDICARE FOR THE LAZY MAN 2026.

FINALLY, RANDY IS CHALLENGED TO IDENTIFY THE MOST AND LEAST INNOVATIVE STATES IN THE USA. 

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A++)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

CONCIERGE MEDICINE: NOW BEING CALLED "DIRECT PRIMARY CARE"

A PRODICAL PROSPECT RETURNS 4 YEARS AFTER TRYING TO MAKE ME HER PATSY!

FINALLY, A QUIZ ABOUT THE MOST & LEAST OVERWEIGHT, OBESE CITIES IN AMERICA!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

REJOICE POTHEADS: THE GOVERNMENT IS ABOUT TO RECLASSIFY MARIJUANA!

USE OF TRUMPRX.GOV IS RESTRICTED; AMONG OTHERS, MEDICARE PARTICIPANTS ARE NOT AUTHORIZED TO USE IT.

RESEARCH RESULTS: DISCONTINUING GLP-1 USE DOES NOT ALWAYS RESULT IN WEIGHT GAIN!

FLORIDA SHIP (AKA: SHINE) AGREES TO A GUEST APPEARANCE, THEN WEALSLES OUT!

FINALLY, A ROUSING QUIZ INADVERTANTLY REVEALS THE SOURCE OF SNAKE OIL, AS WELL AS BARBED WIRE AND THE TEXAS COMPANY!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

FINALLY, ENJOY THE LAST CHAPTER OF MEDICARE ENROLLMENT GUIDE!          YOU CAN DOWNLOAD THE COMPLETE BOOK FROM MY WEBSITE: www.MedicareForTheLazyMan.com.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

SELECTED READINGS FROM "MEDICARE ADVANTAGE GUIDE": CHAPTER 7

MARK WROTE IN TO ASK THREE QIESTIONS. ONE OF THEM REQUIRED MY MAGIC 8-BALL TO ANSWER!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

ENJOY ONE MAN"S OPINION IN ANSWER TO THE QUESTION, "WHY DID MEDICARE ADVANTAGE PLANS COME TO EXIST?"

ONE MEDICARE SUPPLEMENT INSURANCE COMPANY'S RATE INCREASE NOTICES: PLAN G +25% FOR $50 PER MONTH/ HIGH DEDUCTIBLE PLAN G  +7.7% FOR $11.

THE GOVERNMENT WANTS TO INTRODUCE PARTICIPANTS TO AI TOOLS TO HELP NAVIGATE CARE

FINALLY, MANY EXAMPLES OF CORPORATE JARGON "WE HATE THE MOST!"

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

"MEDICARE ENROLLMENT GUIDE" CHAPTER 7:                                                                          MEDICARE MAINTENANCE IN YOUR FUTURE?

GREETINGS TO NEW CLIENT AND PODCAST FAN DENNIS:

WHO HAS BEEN ACCUSED IN A CLASS ACTION SUIT OF WRONGFUL MEDICARE SUPPLEMENT CLAIM DENIALS? ANY GUESSES?                                                                          HOW ABOUT AARP AND UNITED HEALTHCARE?

FINALLY, NEW MEXICO GOVERNOR SIGNS SWEEPING HEALTHCARE REFORM BILL, INCLUDING MY FAVORITE SUBJECT: TORT REFORM!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

MEDICARE ENROLLMENT GUIDE - CHAPTER 6:                                                                         YOUR AGENT SPRINGS INTO ACTION!"

ITEM BY ITEM EXPLANATION OF THE MLM (MEDICARE FOR THE LAZY MAN)                          MEDICARE SUPPLEMENT QUOTE REQUEST QUESTIONNAIRE!

CORESPONDENCE:

A LADY BANKER (WITH WEIRD LOGO TEXT FROM HER BANK) PLANNING RETIREMENT IN 2027. OVERACHIEVER?

NEW CLIENT RANDY INSISTED ON PLAN G IN SPITE OF MY STRONG RECOMMENDATION IN FAVOR OF HIGH DEDUCTIBLE PLAN G.                    BETWEEN 1st CONTACT AND FINAL APPLICATION TIME A 22% PLAN G RATE INCREASE MADE HIM SEE THINGS IN A DIFFERENT LIGHT. HDG, HERE HE COMES!

FINALLY, MY QUIZ TESTS RANDY CARSON'S KNOWLEDGE OF THE FASTEST GROWING SKILLS IN HEALTHCARE.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

READING FROM MEDICARE ENROLLMENT GUIDE, CHAPTER 5:                       WHICH MEDICARE SUPPLEMENT PLAN?

LIST OF MEDICARE SUPPLEMENT INSURANCE COMPANY RATE INCREASE REQUESTS FILED WITH THE STATES. THE OVERALL PICTURE IS ONE OF MEDICAL INFLATION PUSHING INSURANCE RATES HIGHER.

FINALLY, A TAX TIP FOR GENEROUS READERS.                                              PURCHASE ONE OR TWO HARDCOVER EDITIONS OF                               "MEDICARE FOR THE LAZY MAN 2026" FOR DONATION TO YOUR LOCAL LIBRARY!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

MEDICARE ENROLLMENT GUIDE, CHAPTER 4:                                                    YOUR BIGGEST MEDICARE DECISION!

YOU CAN TAKE AN E-MAIL COURSE ENTITLED: MEDICARE 101....OR YOU CAN SAVE A LOT OF TIME BY LISTENING TO THE MEDICARE FOR THE LAZY MAN PODCAST!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

CHAPTER 3 OF MEDICARE ENROLLMENT GUIDE:                                                                                                           CONFIRMATION OF MEDICARE APPROVAL.

TOP SCAMS THAT RETIREES FALL FOR EVERY TIME

KILLER IDEA AT TAX TIME: PURCHASE MEDICARE FOR THE LAZY MAN - HARDCOVER AT $25 APIECE; DONATE TO YOUR LOCAL LIBRARY!

FINALLY, THE MUSIC BED FOR THE POW WOW THE INDIAN BOY CARTOON (1949) WAS THE MELODY USED BEHIND THE ORIGINAL TOMAHAWK CHOP AT FSU!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

ONE POINT OUT OF MANY: PARTICIPANTS IN MA PLANS COST THE MEDICARE PROGRAM 14% MORE THAN THOSE IN ORIGINAL MEDICARE.

MEDICARE ENROLLMENT GUIDE CHAPTER 2: APPLY FOR MEDICARE PARS A & B

POSSIBLE MALFEASANCE: THE GOVERNMENT IS PREPARED TO FREEZE ENROLLMENT IN ELEVENCE (ANTHEM)  MEDICARE ADVANTAGE AND DRUG PLANS! WHAT MIGHT THEY HAVE DONE TO DESERVE THIS?

RAPID DECLINE OF INDEPENDENT PHYSICIANS IN 10 STATS

FINALLY, WE LIST THE 10 BEST AND WORST STATES IN WHICH TO BE A WOMAN!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

THE CHANGE IS THAT IN THE FUTURE, THE EXTRA BEBES MUST CONTRIBUTE TO THE HEALTH OF THE SUBSCRIBER. THERE WILL BE FEWER NON-MEDICAL LIFESTYLE PERKS.

CHAPTER 1 OF "MEDICARE ENROLLMENT GUIDE" LISTS THE MAIN GROUPS THAT WILL MOST LIKELY BE THINKING ABOUT HOW AND WHEN TO ENROLL.

MARK CUBAN PONTIFICATES AGAIN: CALLS FOR FREE MEDICAL SCHOOL!

FINALLY, WE SCAN A SHORT ARTIICLE: "HOW MEDIGAP WORKS".                   SEEMS LIKE IT SHOULD HAVE BEEN LONGER!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

TWELVE STATES RACKED UP MORE THAN 20% MA DISPLACEMENTS. VERMONT WAS WORST WITH 90% OF MA ENROLLEES FORCED TO CHANGE PLANS.

SPECIAL READING: CHAPTER 1 OF "MEDICARE ENROLLMENT GUIDE"!

CHANGING JOBS AFTER 65? BE CAREFUL NOT TO BLOW UP MEDICARE!

FINALLY, FIND OUT WHICH STATES ARE PROJECTED TO HAVE THE MOST NEW CANCER DIAGNOSES IN 2026!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

HOW ABOUT REPEAT READING? LET'S LISTEN TO THE INTRODUCTION OF THE NEWEST BOOK; MEDICARE ENROLLMENT GUIDE AGAIN!

LISTED: THE LARGEST HEALTH INSURANCE COMPANIES BY PROFIT

MORE BIG TROUBLE FOR KAISER PERMANENTE: THEIR LIABILITY INSURANCE CARRIERS HAVE REFUSED TO PAY THE RECENT FINE OF $556 MILLION.

CORRESPONDENCE SENT BY STALKERS AND NEW CLIENTS:. SUBJECTS INCLUDE BRUTAL WEATHER AND QUESTIONNAIRE CLARIFICATIONS.

FINALLY A QUIZ: WHICH ARE THE HARDEST WORKING CITIES IN THE USA (AND WHICH ARE THE LAZIEST?)

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(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

A reading from "MEDICARE ENROLLMENT GUIDE": Introduction!

How to appeal an IRMAA penalty.

High Deductible Plan G is the best Medicare supplement for almost all people in Medicare.

A report on four clients starkly illustrates the point that High Deductible Plan G policies have smaller rate increases by far than those endured by clients who have Plan G.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Enjoy a reading from MEDICARE ENROLLMENT GUIDE. Today's selection: Preface

SAMPLE DRUG PRICES FROM THE NEW DISCOUNT SITE: TRUMPRx.gov

Finally, a quiz about the best & worst places to practice medicine.                 Authors of the list had trouble differentiating states from cities)        

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

AN OUTDATED MEDICARE RULE (THE 3 DAY RULE) KEEPS SENIORS IN HOSPITALS LONGER THAN NECESSARY.                                                                          (Temporary irritation will be the repetitive use of the unfortunate term "senior")

CORRESPONDENCE:

Paula does not need her PDP anymore but needs help figuring out how to disenroll from it.

Howard failed to read the ANOC (Annual Notice Of Change) warning him that the monthly premium would be increased to $105. Now he worries about negative ramifications in the event that he stops paying that outrageous premium.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Q & A illustrates the limitations of Medicare Advantage plans.

Article: Do Not Add to the Social Security Administration Delays

In other words, do not make these errors that will delay the time between the start of your application and confirmation of the effective date of your Medicare coverage.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

TRUMPRx.gov is open for business and discounting more than 40 expensive drugs. We go through a thorough Q & A about how to start cashing in!

Massachusetts seems to be the land of rejected health insurance claims.

Finally, we have a rousing quiz about which states have had the highest recent population growth in the US.              

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

ASSISTING CLIENTS IN SWITCHING FROM MEDICARE ADVANTAGE PLANS TO ORIGINAL MEDICARE WITH A MEDICARE SUPPLEMENT PLAN.

GLP-1 drugs: 5 things to know about their use in Medicare.

Hard to believe but those subjects plus some lessons in sheep husbandry take up the whole episode!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Correspondence:

Client Mike writes to ask me to find his wife a Plan G Medicare supplement with a better price. Her current Aetna plan has scheduled a $60+ monthly rate increase so Mike asked me to look for a better deal. 

Once again I explained the advantages of High Deductible Plan G (HDG) but Mrs. Mike is very risk averse and wants to stay with regular (expensive) Plan G.

A few weeks after, Mike contacted me again to announce that he plans to switch to HDG when his state mandated Birthday Rule period came around.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

We address correspondence from some who have unusual situations with respect to Medicare.

An 81-year-old man is covered by Original Medicare only. His son writes to ask about the possibilities of improving his father's protection by acquiring a Medicare supplement.

Then Len writes to ask whether the series of steps his friend Dan has planned makes sense. The goal: disenroll from Dan's existing Medicare Advantage plan and begin to enjoy superior Medicare protection and freedom of choice with a supplement plan,

Finally, play along with a quiz related to the most and least friendly cities for those seeking STEM jobs.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

I want to do a good job for my clients. Some companies make that easier than others. One of them is an absolute standout, in spite of not always maintaining rate stability with Plan G premium increases.

An insurance broker in Atlanta is worried about my diminished income. Agents make smaller sales commissions when they sell low-cost products like HDG.

Finally, I quiz Randy on which states are projected to be best and worst for retirement this year.

On the way, I inadvertently placed Eagle in Wyoming instead of Idaho!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

HIPPA privacy be damned; one of my doctor bills started at $265 but after going through Medicare and my High Deductible Plan G, the bill magically became $17!

Life expectancy in the USA has set a new record.

We list the top 10 causes of death.

Then we list the Medicare supplement rate increase filings from several insurance companies in several states.                                                                              Bottom line: Medical inflation is exerting upward pressure on insurance costs.

Finally, beware of Kindle E-books! They now allow readers to ask questions about the content. That part is OK but the answers will come from AI and there will be no guarantee of accuracy. I would take my questions straight to the horse's mouth!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Write a successful book and watch the AI generated pitches for paid consultants start to roll in. And I do mean PAID; at least they want to be paid!

What does one day in the hospital cost the hospital to provide?                              A recently arrived list compares that figure for government owned, private and non-profit hospitals for each state of the union.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

                       ENJOY SOME HISTORY AND A TOUR OF MY WEBSITE:

MEDICARE ADVANTAGE MINUTE!                                                              KAISER'S $556 MILLION MEDICARE ADVANTAGE WHISTLEBLOWER LAWSUIT

HIPPA privacy be damned; one of my doctor bills started at $265 but after going through Medicare and my High Deductible Plan G, the bill magically became $17!

Life expectancy in the USA has set a new record.

We list the top 10 causes of death.

Then we list the Medicare supplement rate increase filings from several insurance companies in several states. Bottom line: Medical inflation is exerting upward pressure on insurance costs.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE ENROLLMENT GUIDE!" (Free download from site below)

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Article asks the question: SHOULD YOU GET THE SAME DRUG PLAN AS YOUR SPOUSE?

Correspondence from client Robert, an attorney who was too busy to open or read the warning notices that his drug plan premium would go to $100 per month.

Finally, a quiz published in U.S. News & World Report lists the best healthcare jobs for which the candidate will not need a college degree.                                 Observe one of the reasons someone purchased that entire magazine for $1.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

A history of Medicare supplement rate increases indicates a continuing inflationary trend in premiums.

Correspondence:

Brad's company offers a MA plan to its retirees. He asks whether I think it is a good deal.

Lisa, turning 65 in six months, has a couple of questions about events triggered by her Medicare eligibility.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

"Why Physician Autonomy is a Growing Flashpoint"

The government is starting two Medicare pilot programs (Guard & Globe) to try to lower drug prices.

Article: How to End Obamacare  and Improve Coverage

Ask Rusty: Should the Correspondent Change His IRS Filing Status?

Finally, we dissect a quiz to identify the best cities in the US for jobs.                                                                                                   

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Headline: Telehealth Replaces Medicare Visits Rather Than Adding to Them!

Physicians top practice options in 2026.

US (5 year) cancer survival rate reaches 70%! Each day there are 5,800 new diagnoses and 1,700 cancer deaths.

Finally, we visit one of Toni King's columns to learn a little (very little!) about dental insurance for people on Medicare!                                                                                      

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Correspondence: Mike in Rhode Island is a Medical Doctor at a soon-to-be-failing hospital. His request for Medicare supplement quotes gives me the opportunity to explain the very thorough method I use to demonstrate the advantages of High Deductible Plan G.

Correspondence: Tim is turning 65 and has a series of detailed questions about how he can maintain acceptable coverage for his younger wife after going on Medicare.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Missed opportunity: My Canadian brother-in-law has the background to have formed clear and accurate opinions of the Canadian system of socialized medicine. Next time I will not let him get away without recording an episode to enlighten those who think Canadians have it so great! 

What $0 cost service do I provide for my valued clients? No face-to-face exposure!

We have the most generous listeners: Dominick sent a congratulatory note and a portrait of the Chief of the Nosebleed Indian tribe that haunts my environs. Stalker Susie sent a sizable number of quarters to defray some of our overtime costs!

One lucky client got a 14% rate increase from her Medicare supplement insurance company. Lucky? Yes, she took my advice and purchased High Deductible Plan G. Her 14% rate increase totaled a mere $8.21.

Finally, we reviewed Wallethub's list of the best cities in the USA in which to pursue an active lifestyle.                                                                                                      

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Before that we discuss the qualities of certain members of England's Royal Family.

January 1st saw a pilot program begin, creating prior authorization requirements for a few procedures performed under Original Medicare in six states. The program will be testing whether enhanced technologies like AI and machine learning can streamline prior authorizations and medical reviews.

New, soon-to-be-client Sheryl, is taking a very cerebral approach to the concept of Medicare supplement rate stability. She discovered a site called: SERFF.com and is trying to identify those Medicare supplement plans with less rate stability, which most would prefer to avoid.

Inadvertently, she uncovered a pattern that confirms my repeated assertion about Plan G vs. High Deductible Plan G: Plan G increases will be larger and more frequent while the rate increases under HDG will tend to be smaller and less frequent.

Finally, I received six messages inviting me to be a guest on a brand new podcast. I was offered the opportunity to program the time for an initial chat but could not figure out how to use the scheduling app. 

Stay tuned!       

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Seven things to know about the new AI source of information: CHATGPT HEALTH.

Valued client Robert shared an article: Medicare Advantage Shake-up: Who is out?

I was so happy to see the first review on Amazon of my newest book...until I actually read it. Turns out the reviewer knows a thing or two about Medicare plans and seems to have a problem with my warnings about the possible consequences of Medicare Advantage plans.

I, on the other hand, have a problem with the reviewer being a retard!                                                              

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Someone discovered that about 40 million Americans use ChatGPT every day to ask questions about health concerns.

Erica from Harmony Home Medical in San Diego might have been a wonderful guest but I was afraid the subject might be a little too depressing for my happy-go-lucky audience!                                               

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

NYC employee health insurance fund is mysteriously insolvent! You don't think there has been any fraudulent activity there, do you?

One of my favorite client/listeners shared a list of 15 health systems that are dropping some or all Medicare Advantage plans. 

Tax breaks coming to Medicare premiums? Rand Paul has proposed that the USA establish HSA for all!

Finally, I located a cartoon nurse spewing a big fat lie. She spews: Until 1973, all health insurance companies were non-profit. Evil Republicans changed the law!*

* The word "evil" is just my little joke. Whoever wrote that lying caption needs to take a chill-pill!                                                                                                           

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Randy's Choice led to Medicare Part D Drug Plans: a completely unsatisfying article with a big flaw.

We wrap the episode with a pithy George Harrison story.                                              

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

12 FAQs ABOUT MEDICARE: YOUR MEDICARE QUESTIONS ANSWERED....BY ME!                                                            

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: ENROLLMENT GUIDE!" (coming soon)

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Eleven costly Medicare Mistakes you should avoid!

     These include The Drug plan selection problems, HSA precautions and MA vs Medicare Supplement differences.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

News items: Older Americans quit weight-loss drugs in droves!

                     Weight-loss pill approved by FDA!                                                          This episode ended with our final Christmas Quiz of the season.                                                        

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

   YOUR MEDICARE BENEFITS 2025:                                                                             THE FINAL ENTRY: X-RAYS     

We receive correspondence from "Lazy Man Steve" who is wondering what he ought to do, if anything, about his Medicare supplement and Part D drug plan as the new year approaches.   

We wrapped the episode with a another rousing Christmas Quiz!                              

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

   YOUR MEDICARE BENEFITS 2025:                                                        WHEELCHAIRS AND SCOOTERS                                                                                   

Tragedy struck the Content Curator: Her Part D drug plan was hijacked  by an unscrupulous scoundrel who enrolled her in a Medicare Advantage plan. The goal? Over $600 in ill-gotten sales commissions. 

Many Medicare participants and eligibles are being hounded by telemarketers. Some are receiving 50 to 60 phone calls per day and many of those calls can result in fraudulent activity.

Finally, another Christmas quiz closes out the episode.             

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

   YOUR MEDICARE BENEFITS 2025:                                                          WALKERS   

Next item is lists of states with the highest percentage and the lowest percentage of new Medicare participants selecting Medicare supplement plans.

On a trip to Hawaii in 2000 I learned that the state is likely to be closed to new insurance companies since the approval committee consists entirely of existing insurance companies.

In correspondence with current clients, we heard from:

     TOM: Noticed a $91 drug plan premium. Since he gets most of his drugs through the VA, he could dodge the IRMAA penalty by dropping his drug plan.

     LM: The husband likes to track his Medicare claim activity on the Medicare supplement company website. A recent glitch has taken down that function and she was hoping to see it return quickly..

The bottom line is that each insurance company has irritating qualities that are difficult to  cope with but impossible to fix.

The episode ended with a rousing Christmas Quiz!                                                                                               

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

   YOUR MEDICARE BENEFITS 2025:                                                             VIRTUAL CHECK-INS                                                

Wrapped up the episode with a festive Christmas quiz!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

      YOUR MEDICARE BENEFIT 2025:                                                        URGENTLY NEEDED CARE       

OBAMACARE: the parties are preparing to wrestle over the imploding health insurance plans we have been stuck with for 15 years. The Dems want to keep it limping along as the next step towards socialized health insurance while the Republicans want to begin a trend toward privatization via establishment of Health Savings Accounts (HSAS).

Norb writes to share the advice he got from a local Bay Area Medicare broker who made up some crap about HDG resulting in claim problems as the insured's age. I explained that was not true and used my personal experience as proof. Epilogue: He decided to ignore me and purchase the expensive Plan G rather than my recommended High Deductible Plan G.

The episode, which began with sports trivia ends with a rousing series of Christmas trivia questions.                                                     

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFIT 2025:                                                                 Travel Outside the USA 

Correspondence from Anita in Fountain Hills, AZ: She has Medicare supplement Plan G but wants to consider switching to High Deductible Plan G. After some thought she...

What's the deal with Long Covid anyway? We take a somewhat closer look to see if there is any sign of hope on the horizon.

Finally, we close out the episode with a Christmas Quiz!                                                       

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFIT 2025:                                                           TRANSITIONAL CARE MANAGEMENT PROGRAMS.

Analysis of the typical situation when it comes to rate increases on Medicare supplement plans. A person paying the high Plan G premium is likely to receive larger and more frequent rate increases, in this case a 25% increase. On the other end of the spectrum, a smart purchaser of a High Deductible Plan G with a relatively small premium is is given a rate increase of only 6.75%.

Article: With Medicare premiums set to rise, is Medicare supplement going to be worth it?

Toni King reads a letter from a disappointed reader and winds up advising him to investigate biosimilar medications.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                       TRACTION EQUIPMENT

Close friend Marlene figured out how to send me a lively online discussion regarding the new Medicare experiment with Prior Authorization. She saw my repeated warnings in some of these online comments.

Full disclosure mandated that I read an AI generated list of the exact procedures included within this five year trial program.

New client Cal had an unusual introduction to MLM enrollment service. The state of Nebraska, an unfamiliar insurance company and some careless errors conspired to create a less than smooth introduction to my normally stellar client service!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                         Therapeutic shoes or inserts

A review of the magnificent extravaganza that was Toni King's "Confused By Medicare" webinar! I wish she hadn't made up a B.S. story about the Internet crashing and causing her presentation to crash!

The question: How successful is the attempt to substitute Plan N for Plan G in order to keep the prices high and to keep sales commissions flowing? The answer is above.

Several clients have recently become disgruntled with Plan N rate increases. They have selected High Deductible Plan G as a superior alternative.

After that their spouses took note and requested to switch from Plan N to HDG as well!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                               Telehealth

Major work has begun on "Medicare for the Lazy Man 2026". This is the most difficult time of year to find free time for more than one project but I am forging ahead!

And finally, a light review of some of the 2026 Medicare premiums and deductibles. More to come!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                                TDAP (Tetanus, Diphtheria and Pertussis) shots

Advice from Diane Omdahl: Review your drug plan in case the government plan finder "glitches".

Correspondence:

Peter wants to know whether he should consider changing from HDG to Plan G. This is not something I usually recommend.

Fr. David takes no prescription drugs but has been paying through the nose for an expensive Part D drug plan. What should he do?

Ray has more questions about how to ensure that he has the best PDP (Prescription Drug Plan) next year.

Finally, we review a Gallup pole listing the states from highest to lowest for cost & availability of medical treatment.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                               Swing bed services

How about some obesity drugs? Thanks to Trump, Medicare will cover weight loss medications for the first time in history.                                                           Obesity drugs will be covered for as little as $50.

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                            Surgical Dressings

Enjoy some correspondence from clients or wannabe clients:

     Ken & Mrs. Ken sent their heartfelt thanks for the help with various insurance products, including Medicare supplement and life insurance which they shopped for effortlessly and without being irritated by me or any other annoying insurance agent.

     A new client, under 65 on SSDI, wrote to request Medicare supplement quotes. Fortunately for her, the rates in her state are quite reasonable.

     ANON sent a lengthy message entitled: Two Complaints and Some Serious Foot-Stomping (or words to that effect);

     ANON II sent a short, invective-laden complaint. 

Finally, we held a short review of a list of the most frequently prescribed drugs in America.     

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

New United Healthcare CFO plans to restore the company's "swager"!

     YOUR MEDICARE BENEFITS 2025:

Surgery

Lipitor (Atorvastatin) has endured a very large recall that may affect hundreds of thousands of users; There might be a pattern of lapses in drugs manufactured overseas.

Finally, I examine the very small rate increases enjoyed by those insured by High Deductible Plan G.

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                           Supplies

Article: "Challenges of Choice in Medicare"                                                                  Many people struggle with the Medicare decisions the must make.

Finally, a prospective client has four questions for which he seeks answers.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A++)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

MEDICARE ADVANTAGE MINUTE:                                                                  MA premiums drop in 2026; Here's how hidden costs could still hit your wallet!

     YOUR MEDICARE BENEFITS 2025:                                                           Speech-language pathology services!

Four states have issued cease and desist orders to several insurance companies who have cleverly thought of ways to trick customers into not buying some of their plans. That way the plans aren't withdrawn from the market but nobody can buy them.

Finally, we present a quiz in which we identify the most & least overweight and obese states.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A++)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     YOUR MEDICARE BENEFITS 2025:                                                                          Social Determinants of Health Risk Assessment

Ten year Medicare supplement rate increase history used as a sales tool, from BC/BS of Texas. Smallest increases: 0%. 2025 increase: 14+%. Yikes!

New client Sydney's husband Paul came to recognize that he had been misinformed about the many advantages of Medicare + Medicare supplements. The reality is much brighter than he had been led to believe.                                        His only regret: not purchasing High Deductible Plan G when he had the opportunity!

Finally, Randy wants to confirm his understanding that when a person has an MA plan snatched away without their consent, the door opens to the wonderful world of Medicare supplements with no medical underwriting!

Medicare Advantage Minute: Major Insurers 

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

     Your Medicare Benefits 2025:                                                                          Sleep Studies

How the government shutdown affects Medicare! (Spoiler alert: It doesn't)

Concierge medicine described, with pros & cons for patients and doctors.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

United Healthcare Projects A 1,000,000 Member Drop in Medicare Advantage Enrollment

     Your Medicare Benefits 2025:                                                                              Skilled Nursing Facility Care

Correspondence with client Richard: He wondered whether he had to "re-up" (re-enroll) in his Medicare supplement and/or his Part D drug plan. Turns out he received a very scary "scam" e-mail raising concern that his insurance was about to lapse.

Correspondence with soon-to-be client Kelly: She is worried about the level and quality of customer service she will have with a particular company. In my view she was misled by a government website.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

"Medicare Advantage: Last Week Tonight with John Oliver"

          Your Medicare Benefits 2025:                                                                     Shots (vaccines)

Correspondence with a potential client answers the question: What keeps the deductible in "High Deductible Plan G" from taking off into the stratosphere?

AI set his mind at ease: Increases are linked by law to the Consumer Price Index.

Finally, I present a simple explanation of how medical bills are covered by the High Deductible Plan G. the Medicare supplement I recommend above all other plans.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

         Your Medicare Benefits 2025:                                                                            Shingles Shots

We review recent rate increase filings in various states by various insurance companies. Is Medical inflation still with us or is it starting to subside?

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

        Your Medicare Benefits 2025:                                                                           Sexually Transmitted Infection Screenings

Correspondence, consisting of questions and answers, from clients and soon-to-be clients,

Peter in New York seems happy to have discovered the podcast.

Michael has many questions about the consequences of moving, disenrolling from Part B and exceeding the IRMAA penalty tipping point.

Peter in Houston wants to discuss the advantages and disadvantages of various rating protocols and to what extent customer service should concerns play in his decision process.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                               Second Surgical Opinions (and even third opinions under some circumstances).

From Toni King's column: Reader Don asks, "Why am I receiving a Part D penalty?"

Correspondence from new listener (and soon to be client) Peter from Houston.    He has concerns that cause me to address:                                                              various rating methodologies,                                                                                 the possibility of the "deductible" in High Deductible supplements to grow beyond reasonable limits                                                                                                     and something else that induces me to send him a link to the HeyMoe drug plan selection program. With that he will earn a small discount and a valuable series of drug discount opportunities.

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                                 Rural Health Clinic Services

Concierge Medicine Explained

Ten Best & Worst States in Which to Find a Job!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                                  Respiratory Syncytial Virus (RSV) Shot

Stalker Suzy reviews Hey Moe's Melinda Caughill's appearance on the MLM Podcast!

Prescription Drug Coverage Options are Shrinking for Medicare Shoppers

Ozempic & Wegovy are now sold at Sam's Club for $500, joining Costco, GoodRx  and Novocare Pharmacy.   

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

We welcome Melinda Caughill from HeyMOE.com to explain their brand new service.

MOE stands for "Medicare Open Enrollment" and Hey is a call to action (I guess) so Hey MOE should be your signal to use the best plan selection tool in the business!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                          Religious Nonmedical Healthcare Institution Items & Services

Vacation Report:                                                                                                  Visitors to Arizona report having lots of fun in the sun. Let's hope they keep it under their hats after returning to the East Coast. It is getting crowded out here in the Sonoran Desert!

Alert listener Steve in Texas entered a comment under a Medicare instructional video indicating "he wouldn't trust a broker who does not recommend supplement High Deductible Plan G".                                                                                  Another viewer opined that HDG is not available in all locations. Steve came to the right place to set him straight!

Speaking of my favorite Medicare supplement plan, how have the HDG rate increases been lately?

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

We welcome Melinda Caughill from HeyMOE.com to explain their brand new service.

MOE stands for "Medicare Open Enrollment" and Hey is a call to action (I guess) so Hey MOE should be your signal to use the best plan selection tool in the business!

Contact me at: DBJ@MLMMailbag.com

(Most severe critic: A+)                   Visit us on: BabyBoomer.ORG

Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                                 Radiation therapy

Humana announcement details year-end Medicare supplement rate increases for supplement plans in several states. Exactly as predicted by this podcaster, High Deductible Plan G proves to be the best deal of all!

Samples from the file containing the content curator's favorite category: Correspondence:                                                                                                                     Myrna asked about the cautionary statements on page 21 of "Medicare for the Lazy Man". The source of confusion had to do with the difference between Health Savings Accounts and Flexible Spending Accounts.                                                                                                                                                                                 Joe described "Medicare for the Lazy Man" as being very helpful but he still some reassurance after a "professional" advisor hired by his company made the assertion that "nobody buys High Deductible Plan G"!                                                         That guy gets paid more when people like Joe are forced to spend more.

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"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                                Pulmonary Rehabilitation Programs                                                                       Hey MOE is a new subscription service that wants help you identify the very best Part D prescription drug plan available in your area. As often happens when two massive behemoths encounter each other, some negotiations are in order. However, we are close to agreeing on a guest appearance on this very podcast. 

If you take expensive drugs and would like to scan reputable Canadian pharmacies to find out if you can save money, send a message. I will be happy to share my short list of websites that you can use for this purpose.

Finally, many congressmen are as opposed as we are to the government's proposed plan to add limited prior authorization regulations to Original Medicare. So far, nobody thinks this will be a good idea!            

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"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                               Prosthetic Devices

The Hey MOE (Medicare Open Enrollment) drug plan selection service is ready to pick out the best Part D drug plan available in your neck of the woods. The automated process is able to compare more variables than even the highly experienced Lazy Man team can do.

Finally, we review an article suggesting that claim denials are increasing. The statistics show that most providers are burdened by a growing level of scrutiny and regulation which suggests that insurance companies are tightening the screws. 

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                                             Prostate Cancer Screening

MY ANNUAL AEP ADDRESS TO THE NATION is ON THE AIR!

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"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                                                                                        Principal Illness Navigation Services

Selections from the Q & A folder:                                                                                                  Is it mandatory to sign up for Medicare?

                  If Medicare covers cataract surgery, why are there bills?

                  Enrolled in Part B too soon? Your Medicare fix is easier than you think!

BEHABBEN!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                           Principal Care Management Services

ANOC has arrived! Annual Notice Of Change is the legally required document that your drug plan is supposed to send during September. It is going to  you about any changes in your plan, like costs or benefits, of which you should be aware.

What did my ANOC say? Tune in to find out....

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                               "Yearly Wellness Visit"

The category selected for a deeper dive was the one entitled "Rates & Financial" We took a look at the current Plan G rate increases caused by our inflationary economy.                                                                                                                   By comparison, the rate increases given to high deductible plans are often $0 and rarely  more than a token amount.                                                                         This is one of the excellent benefits of  High Deductible Plan G!   

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Returning to format, we began with the Medicare Advantage Minute: BC/BS of Texas announced the cessation of sales commissions for all of their MA plans.

In the Your Medicare Benefits 2025 we address the Welcome to Medicare Preventive Visit and learn what is included as well as how Medicare will cover it.

Department of Corrections: A previous trivia item about the origin of the Pink Panther had to be corrected.

Finally, we dipped into the folder labelled "Correspondence" to enjoy some Q & A about two distinctly different situations. As an aside, both principals are now happy clients of mine, and I am happy to have them!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Medicare Advantage Minute:                                                                         Hospitals aren't the only ones stepping back from Medicare Advantage!

Your Medicare Benefits 2025:                                                                            Preventive and screening services

From the Q & A folder we address the following subjects:

1) How are prescription drugs covered when one is in an emergency room?          Hint: Toni King provided an answer but I believe she displayed a little bit of confusion by overlooking an important fact presented in the question.

2) Does Medicare cover annual (routine) physical examinations?

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                           Pressure reducing support surfaces.

The podcast producer gets to select the general source of content for the rest of the episode. The subject in question?                                                                     The ten states with the highest rates of Alzheimer's Disease!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025:                                                                        Prescription Drugs - Outpatient 

If you are a member of a Medicare Advantage Plan or a Part D Prescription Drug Plan, an Annual Notice Of Change (ANOC) is headed your direction in the US Mail.

Don't throw your ANOC away without at least trying to read it! It will be your first warning of any potentially negative and expensive adjustments that your existing plan may make starting January 1st.

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

In the Medicare Advantage Minute segment, we review the article entitled:        "Are you unhappy with your MA plan? Here is some good news!"

In the Your Medicare Advantage 2025 segment we find out whether Medicare will pay for Pre-Exposure Prophylaxis (PrEP) for HIV Prevention.

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025: Pneumococcal Shots

Article: 7 Secrets To Get Good Customer Service By Phone

Finally: Stalker Susie successfully identified the best Part D drug plans for Mr. Susie and herself  using my new book: Medicare Drug Plans; A Simple D-I-Y Guide!          Now she would like clarification of the differences between the least costly plans everyone should be seeking and the wildly expensive plans that some others are enrolled in;

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

I think he would say it was an effective way to accomplish is task!

In the "Medicare Advantage Minute" segment it seems that United Healthcare shareholders are suing company execs for obfuscating the impact of the murder of CEO Thompson on the fiscal bottom line.

"Your Medicare Benefits 2025" teaches us that Physical therapy services WILL be covered by Medicare...most of the time,

Finally, enjoy the Wallethub quiz in which we learn which of the states is "hardest working"!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

A very short "Your Medicare Benefits 2025" tells us how Medicare might handle charges for patient lifts.

As of this recording something around 20 states offer some sort of relief from Medicare supplement medical underwriting regulations. Of those, roughly 14 or 15 currently have "Birthday Rules".

Finally, American hospitals are grappling with a new problem: imposter nurses!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

How about Pancreas Transplants? That is today's subject in our segment:           Your Medicare Benefits 2025

Who has been given credit for shutting down a $10 billion Medicare fraud scheme having to do with skin substitutes? Why, everyone's favorite president, that's who! No, not Ronald Reagan!

For those who are financially strapped and need some relief from Medicare premium costs, I recommend the MSP: Medicare Savings Plan! It might be the answer, if you can meet the qualifications.

Finally, when I look at the list of potential guests who are available to join us for an episode, I only see a whole lot of wackiness. 

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Your Medicare Benefits 2025: Pain Management is the subject for this episode.

Finally, we present a list of sources of assistance with Medicare information and enrollment.

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

No wonder my opinion of these plans is that they constitute criminal conspiracies!

In the "Your Medicare Benefits 2025" segment, we learn how Medicare will cover Oxygen equipment and accessories.

Of course, Hank Hill sold "propane and propane accessories but that is not quite the same at all. 

Should you get a Medicare broker? The answer you have been waiting for is "YES"!

Find out why during the last half of this episode!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

In the "Your Medicare Benefits 2025" this episode's subject is entitled: Outpatient Services and Supplies.

Finally, the Veterans Administration has different levels of service, Priority Groups, and we run through descriptions of the various requirements for each group.

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Prior authorization causes misery in Medicare Advantage plans.

How concerned should freedom lovers be when the government delivers that same troublesome process to Original Medicare? 

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

In the "Your Medicare Benefits 2025" we learn how Medicare is likely to cover Outpatient hospital services.

Friend of the podcase, Steve sent an article addressing "Targeted Medicare Cuts" and how they can save money while reducing risk.

How about a side trip to Social Security Land? Someone named Rusty has an advisory column and fielded a question from a reader about when the best time might be to start collecting Social Security benefits might be.

Normally Democrats are on the opposite side of almost every possible subject from me but we now find ourselves connected like Siamese twins over support for the freedom from prior authorization in Original Medicare.                                        I am dazed and confused by my unexpected alliance!

Finally, we have a new member of the podcast audience who hangs her hat in South Dakota ...er Nebraska sometimes.

I expect her to join the ranks of my happy clients as well!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Then, in the "Your Medicare Benefits" segment we learn how Medicare is likely to cover "Other Transplants. These are not organ transplants, but might include stem cells, bone morrow and corneas.

In the afore-mentioned "Mail I Absolutely hate to Receive" segment, yours truly is kicked in the teeth by a marital difference of opinion.

After that we are treated to a communication about the horrible consequences that one man is enduring as a result of ignoring my often-repeated advice.                Part of the tragedy? Having to stifle the "I told you so!" urge!

Finally, Stalker Susie checks in to congratulate Randy on his sartorial splendor!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

The "Your Medicare Advantage 2025" reading tells us how Medicare is likely to cover Ostomy supplies. 

United Healthcare is going through some unsettling times. Here we present twelve updates for your insurance news reading pleasure!

Why do I have to call somebody to get a Medicare supplement (medigap) quote? In my opinion, the reasons presented in this article are bogus. If you go to my website MedicareForTheLazyMan.com and fill out a questionnaire, you will receive quotes for several  (usually at least 1/2 dozen) Medicare supplement companies drawn from my portfolio of excellent insurance companies by return e-mail.        No need to call anyone!

Finally, where are the most beautiful hospitals in the USA located?                     Hint: the facility judged most beautiful of all is NOT located in Massachusetts!

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

Osteoporosis Drugs - the subject of Your Medicare Benefits 2025.

And finally, "What to Know About Rabies", an in depth look at the state of risks and treatments of rabies in the new millennium.

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.

In "Your Medicare Benefits 2025" the exciting discussion centers around orthopedic shoes and how Medicare will cover them.

Finally, we listen to an explanation of the Medicare electronic claims process.

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Inspired by:

"MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!"

"MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE"

"MEDICARE FOR THE LAZY MAN: BARE BONES!"

For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers.

Official website: https://www.MedicareForTheLazyMan.com.