Are you curious about how Medicare brokers earn their living and how this may impact you, the consumer? In this enlightening episode, we pull back the curtain on the commission structures for selling Medicare products, shedding light on the often-misunderstood world of Medicare commissions.

We unravel how brokers are paid, from selling Medicare Advantage and Medigap plans to hidden incentives that add to their earnings. Learn the distinction between initial and renewal plans and how commission rates differ for various products. Get an in-depth understanding of the Medicare Advantage and Medigap commission structures, backed by real-world examples and precise calculations. We'll also compare these two plans to see which is more lucrative for brokers.

Additionally, we'll expose the hidden incentives, including new carrier bonuses, underwritten bonuses, and reward trips, and discuss how they affect a broker's decision and earnings.  Join us as we debunk the mysteries of this industry, fostering transparency for Medicare beneficiaries.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And please get added to our mailing list so we can remain in touch with you.

Sources:

Senator Warren Hidden Incentives Report

CMS Broker Compensation Data

More Broker Commission Data

Agent Commission Impacting Consumer Choices

Example of Medicare Broker Incentive Reward Trips

Medicare supplement plans can be a great way to fill the gaps in your Medicare coverage, but there are common mistakes that can have costly consequences. In this episode, we'll cover mistakes such as not considering Medigap coverage during your open enrollment period, not considering the cost of the plan, choosing the cheapest plan, not understanding the coverage, and not comparing plans when you are first enrolling.

In this episode, we will provide valuable insights and tips for avoiding these mistakes and making informed decisions about your Medicare supplement plan. If you're looking for ways to optimize your Medicare coverage, tune in to this episode for valuable information that can save you time and money.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources:

Issue vs. Age vs. Community
Massachusetts Medigap Coverage
Choosing a Medigap
Medicare and You 2023
Humana: What is Part D?

Links to different states with unique Medigap underwriting rules: Washington, Oregon, California, Nevada, Idaho, Illinois, Missouri, Louisiana, Maryland,

In this podcast, we will be discussing the top five biggest mistakes people make when choosing a Medicare Advantage plan. Medicare Advantage plans can be confusing, and making the wrong choice can have costly consequences. We will cover common mistakes such as not checking if your doctor is in-network, not comparing plan costs, not reviewing prescription drug coverage, not taking advantage of additional benefits, and not reviewing the plan annually. We will provide tips and strategies for avoiding these mistakes and making the most out of your Medicare Advantage plan. If you or someone you know is considering a Medicare Advantage plan, this podcast is a must-listen!

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources:

KFF Medicare Advantage Extra Benefits: https://www.kff.org/medicare/issue-brief/extra-benefits-offered-by-medicare-advantage-firms-varies/

CMS "What's a Medicare Advantage plan?": https://www.medicare.gov/sites/default/files/2018-07/11474.pdf

Why do Medicare Advantage plans have narrow networks?: https://www.urban.org/sites/default/files/publication/99414/why_do_medicare_advantage_plans_have_narrow_networks.pdf

KFF Medicare Advantage Landscape: https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2022-enrollment-update-and-key-trends/

Are Medicare Advantage plans as bad as people on social media make them seem? Should you just enroll in a Medicare Supplement plan instead?

Some of the "pros" of Medicare Advantage plans include:

- They often provide extra benefits that are not covered by Original Medicare
- Low monthly premiums (often $0/month)
- Prescription drug coverage is typically included in Medicare Advantage coverage
- Maximum out of pocket that Original Medicare does not have
- Ability to change from one Medicare Advantage plan to another Medicare Advantage plan without health questions

Some of the "cons" of Medicare Advantage plans include:

- Prior Authorization
- Potential referrals to see in-network specialists
- Networks of providers
- Potentially higher medical costs compared to Medigap plans
- Yearly contracts with benefits that can and will change every year

*Sources are at the bottom of the show notes*

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources:

Understanding Medicare Advantage Plans PDF

How does Medicare Advantage plans work?

Services covered by Medicare Advantage

KFF Medicare Advantage in 2022 Study

Official CMS Medicare and You Handbook

KFF Study about Medicare Advantage Prior Authorization

Medicare.gov things to know about Medicare Advantage

Are Medicare Advantage plans more popular and better than Medicare Supplement plans now? Should you still consider enrolling in a Medicare Supplement plan?

Some of the "pros" of Medigap plans include:

- Freedom to see providers across the country that accept Original Medicare
- Low out-of-pocket medical costs
- Prior authorization is very rarely ever needed
- Plans are guaranteed to renew as long as you pay your monthly premiums
- Premium increases are not determined by your individual claims

Some of the "cons" of Medigap plans include:

- Medigap plans rarely cover services not covered by Original Medicare (like routine physicals)
- Higher monthly premiums than Medicare Advantage plans, and premiums increase over time
- Prescription coverage is not included and must be purchased separately
- You may not be able to change to a new Medigap plan in the future

*Sources are at the bottom of the show notes*

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources:

Medicare and You Official Handbook

Official Choosing a Medigap Policy Guide

*Sources are at the bottom of the show notes*

Medication prices seemingly continue to increase year over year, so we want to provide as many solutions as we can to help you save money on your regular prescriptions. Part D and Medicare Advantage coverage are just one small part of the puzzle when it comes to what you might pay for prescriptions while on Medicare. Make sure you look at all options outside of your insurance coverage if you are prescribed expensive medications.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources for this episode (click on the link):

340B Pricing Program

Formulary Exceptions

Application for Low-Income Subsidy

Definition of Low-Income Subsidy

Waiver of Part D Penalty for those with LIS

KFF impacts of Inflation Reduction Acts on prescriptions

Overview of the 340B program

2023 income and resource limits for LIS qualifications

Medicare Interactive LIS Overview

Amazon RxPass eligible medications

Pharmaceutical assistance information from CMS

List of states with prescription assistance programs

340B Facility Location Finder

Pharmacychecker.com

You may have already heard that Medigap plans are "standardized" which means that Medigap plans with the same plan letter provide the same basic medical coverage. But then, the question you may be asking is, "which Medigap plan letter is right for me?". This is exactly what we took the time to answer in today's episode.  Plan N and Plan G have both become the most popular Medigap plans in the past few years. But which one is better?

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources for this episode:

Medicare and You 2023 Handbook

NAIC Plan N Official Guidance

Medicare Interactive's definition of excess charges

Psychiatry.org non-participating vs. participating providers

Learn about MOM States that don't charge excess charges

KFF how many providers have opted out of Medicare

KFF financial protections for Medicare patients

APA guide to participating vs. non-participating providers

One of the biggest questions we are often asked when people are making their transition to Medicare is "what about dental coverage?". Many people mistakenly think that Medicare provides coverage for routine dental services and procedures, only to be shocked that this isn't actually the case. This doesn't mean you won't have any options for dental coverage once you start Medicare, but we will use today's episode to help you better understand what your options may be. 

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources:

Medicare Interactive, Medicare and Dental Care: https://www.medicareinteractive.org/get-answers/medicare-covered-services/limited-medicare-coverage-vision-and-dental/medicare-and-dental-care

Telos Actuarial Dental Loss Ratio Data: https://www.telosactuarial.com/blog/individual-dental-market-snapshot-2022

NAIC Accident and Health Report: https://content.naic.org/sites/default/files/publication-ahp-lr-accident-health-report.pdf

KFF 2023 Medicare Advantage Spotlight: https://www.kff.org/medicare/issue-brief/medicare-advantage-2023-spotlight-first-look/#:~:text=In%202023%2C%2040%25%20of%20all,2019%20to%201%25%20in%202023.

KFF Medicare and Dental Closer Look: https://www.kff.org/medicare/issue-brief/medicare-and-dental-coverage-a-closer-look/

MAC vs. UCR Dental: https://www.beambenefits.com/post/mac-vs-ucr-dental-plans-whats-the-difference

When it comes to your Medicare insurance options, we often point out the fact that your choices essentially come down to a Medicare Advantage plan or a Medicare Supplement (Medigap) plan.

With millions of Medicare beneficiaries making this same decision, we are often asked, "which option do most people choose?". Ultimately, that choice will be based on your individual budget, wants, and needs but in today's episode, we will break down national trends and talk about the data to find out whether Medicare Advantage or Medigap plans are the most popular choice for those on Medicare. See our sources for today's episode at the end of this description (there are a lot!).

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources:

2022 Medicare Trustees Report

ASPE Medicare Enrollment Trends

CMS Medicare Monthly Enrollment Data

2022 Telos Actuarial Future of Medicare Supplement Report

KFF 2023 Medicare Advantage Spotlight

CMS 2023 Average Medicare Advantage and Part D Premium

KFF 2022 Medicare Advantage Enrollment Trends

KFF 2023 Part D Data

2022 AHIP State of Medicare Supplement Coverage

2021 NAIC U.S. Health Insurance Industry Analysis Report

Many Medicare beneficiaries are surprised to learn that there are more enrollment periods than just the Annual Election Period from October 15th - December 7th. If you are currently enrolled in Medicare coverage that you are considering changing sooner than later, this is the episode for you!

Sources for today's episode:

Part D costs moving if you move plans: https://q1medicare.com/faq/FAQ.php?faq=Will-Part-D-TrOOP-transfer-if-I-switch-plans-midyr&faq_id=369

Medicare Special Enrollment Periods: https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan/special-circumstances-special-enrollment-periods

Medicare Advantage costs if you change plans: https://q1medicare.com/faq/FAQ.php?faq=Will-MOOP-transfer-if-I-switch-Medicare-Advantage&faq_id=609

States with unique Medigap underwriting rules: https://www.medicareresources.org/medicare-eligibility-and-enrollment/the-birthday-rule-a-gift-to-medigap-enrollees/

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

In today's episode, we discuss the key provisions of the BENES act that were passed back in late 2020 as part of the year-end spending bill. This new law is designed to limit Medicare enrollment mistakes that have previously harmed seniors. Here are some of the links to the sources we talked about during this episode:

Link to the entire Consolidated Appropriations Act: https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdf

Link to new Part B Special Enrollment Periods being created: https://www.cms.gov/newsroom/fact-sheets/implementing-certain-provisions-consolidated-appropriations-act-2021-and-other-revisions-medicare-2

BENES Act 2.0: https://www.medicarerights.org/medicare-watch/2022/02/24/senators-introduce-the-bipartisan-benes-2-0-act-to-further-simplify-medicare-enrollment

760,000 exposed to Part B penalty: https://www.pennlive.com/news/2019/07/why-medicares-late-fees-mean-a-lifetime-of-higher-costs.html

All other sources:

http://nahu.org/membership-resources/medicare-portal/legislative-information

https://www.medicarerights.org/medicare-watch/2022/11/03/important-rules-implement-key-benes-act-provisions-to-simplify-medicare-enrollment

https://www.govinfo.gov/content/pkg/FR-2022-11-03/pdf/2022-23407.pdf

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

The Medicare Annual Election Period (AEP) is coming to an end on December 7th. Now is the time to start finalizing your decisions for your 2023 Medicare coverage. In this episode, we will remind you what you should do to find the right coverage for next year.

There are also some important changes coming to Medicare for 2023, and here are the links so you can learn about those changes in more detail:

Link to the 2023 Medicare premiums and out-of-pocket costs: https://www.cms.gov/newsroom/fact-sheets/2023-medicare-parts-b-premiums-and-deductibles-2023-medicare-part-d-income-related-monthly

Link to an overview of the BENES Act that will be implemented for the first time in 2023: https://www.cms.gov/newsroom/fact-sheets/implementing-certain-provisions-consolidated-appropriations-act-2021-and-other-revisions-medicare-2

Link to the prescription drug benefits being implemented by the Inflation Reduction Act starting in 2023: https://www.kff.org/medicare/issue-brief/explaining-the-prescription-drug-provisions-in-the-inflation-reduction-act/

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

When it comes to Medicare, Prescription Drug coverage (also called Part D) is often the most confusing and misunderstood piece of coverage that you will encounter. There are only a few different "phases" of Part D coverage, but each one can and likely will impact you financially when you go to the pharmacy to fill prescriptions.

Because this topic can be hard to understand without visual information, here are some links to articles that can help you visualize what we talked about in today's episode:

four phases of Part D coverage: https://www.medicareinteractive.org/get-answers/medicare-prescription-drug-coverage-part-d/medicare-part-d-costs/phases-of-part-d-coverage

Understanding the True out-of-pocket cost (Troop): https://q1medicare.com/PartD-WhatIs-TheTrueOutOfPocketExpense.php#:~:text=TrOOP%20costs%20are%20those%20prescription,the%20Donut%20Hole%20is%20%247%2C400.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

When we help our clients with their transition to Medicare, we often hear people ask "will my pre-existing health conditions stop me from getting the Medicare coverage I want?" This is the exact question that we answer in this episode. There is a misconception that pre-existing conditions no longer matter when it comes to choosing Medicare coverage and that is not always the case!

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Medicare brokers are independent insurance agents that contract with many different insurance companies offering both Medicare Advantage plans and Medicare Supplement (Medigap) plans.

Especially during the Annual Election Period from October 15th - December 7th it is important to compare your Medicare options for the upcoming year. This is exactly where a good independent Medicare broker can help! Instead of calling dozens of insurance companies, they can compare the plan options available in your location and eventually enroll you in a plan that is right for you.

If you want to connect with our agency or another independent broker in your area, click this link!: https://gmedicareteam.com/map

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

It's that time of year again! The weather is getting colder, the days are getting shorter, and to make it all just a little bit worse; Joe Namath and JJ Walker are constantly reminding you to "CALL NOW"

But what are these commercials actually trying to sell you? That is exactly what we discuss in this episode. Learn about the extra benefits "you deserve". Discover how you can "get money back in your Social Security"... Are these commercials flat-out scams, or is there an element of truth to what they are pitching?

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

The Annual Election Period of time is fast approaching. October 15 through December 7 is a time period that allow you to make certain changes to your Medicare coverages. 

• What changes can you make?
• What changes might you want to consider and why?
• What is your timing for things should you want to make a change?

Don't let this window go by if there's something you'd like to change. 

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

If you know that you want to enroll in a Medicare Supplement (aka Medigap) plan when you become eligible for Medicare, the next step is figuring out which plan is actually right for you!

You can use the process that we discuss in this episode so that you can confidently narrow down your plan options to enroll in the Medigap plan that fits your needs and lifestyle.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Some pretty significant changes are coming to Medicare. Listen in to see what might affect you. Please share with family and friends that might find the information helpful as well.


Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

If you know that you want to enroll in a Medicare Advantage plan when you become eligible for Medicare, the next step is figuring out which Medicare Advantage plan in your area is actually right for you!

Medicare Advantage plans each come with unique benefits, networks, prescription coverage, and more!

You can use the process that we discuss in this episode so that you can confidently narrow down your plan options to enroll in the Medicare Advantage plan that fits your needs and lifestyle. 

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Medicare enrollment periods can be very confusing and it can be hard to know when to enroll for coverage. In this episode, we break down when you can apply for Medicare using the Initial Enrollment Period, Special Enrollment Period, or even the General Enrollment Period.

We also talk about when you can or cannot enroll in Medicare Advantage, Part D, and Medicare Supplement coverage. This episode will help you enroll in the proper coverage at the proper time to avoid coverage gaps and lifetime penalties. 

Sources for this episode:

https://www.medicareinteractive.org/pdf/SEP-Chart.pdf

https://secure.ssa.gov/apps10/reference.nsf/links/04012022122513PM

https://secure.ssa.gov/poms.nsf/lnx/0600805275

https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Tune in to hear about what we'd consider to be some of the top mistakes that people make as they transition into the Medicare system. Don't follow their path -- learn about some of the pitfalls you might face! 


Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map: https://gmedicareteam.com/map/

CLICK HERE to download the official Medicare decision guide for those that are turning 65 years old. 

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Everyone is terrified of Medicare's Part D Coverage Gap... More commonly known as the "donut hole". Well, stop and listen to us describe what it actually is and see if you'll even be affected by this crazy pricing strategy. 

We'll describe how the donut hole works and why you should take the time to understand it if you take rather expensive prescription medications.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map. 

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.

Sources for this episode: 

Costs in the Coverage Gap: https://www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/costs-in-the-coverage-gap

NYT article about the donut hole "closing": https://www.nytimes.com/2020/01/17/health/medicare-drug-costs.html

Prescription costs in catastrophic coverage: https://www.medicareinteractive.org/get-answers/medicare-prescription-drug-coverage-part-d/medicare-part-d-costs/phases-of-part-d-coverage

Initial Coverage Limit for 2023: https://www.cms.gov/files/document/2023-announcement.pdf

Will you get a Part B late enrollment penalty? How about a penalty related to prescription drug coverage... How do you figure it out?

In this show, we'll walk through the various Medicare penalties and how you can take steps to avoid them.

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

Also, see our additional educational content over on our YouTube Channel

You can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.


Some helpful links: 
 

Part B Penalty going away at age 65

Part D Penalty going away at age 65 and when getting LIS (page 23 talks about LIS and page 25 talks about T 65 after having disability

Part D maximum penalty going back to 2006

CMS info about the first IEP in 2006

Information about “Equitable Relief”

Part D Penalty Appeal

Part A Penalty Information

Getting free Part A based on spouses work history