In this episode, we're tackling a common question among Medicare Advantage enrollees: How do you switch to a new Medicare Advantage plan or transition to Medicare Supplement (Medigap) and Part D coverage? If you're considering a change or want to understand your options, this is for you. Hosted by Cameron Giardini and Joanne Giardini-Russell of Giardini Medicare, we provide clear, actionable information on navigating Medicare changes. Our agency, based in southeast Michigan, assists consumers across 13 states in finding suitable Medicare coverage. For those living outside of these states, we ..read more

Ever heard Medicare myths that made you think twice? This episode cuts through the confusion, debunking the most common Medicare myths to help you avoid costly mistakes. From the real costs of Medicare to eligibility misconceptions, we're covering essential truths: - Medicare Isn't Free: Unpack the real costs behind Part A, Part B, and why Medicare Advantage or Medigap might cost you extra. - Not Everyone Needs Medicare at 65: Discover when you can delay enrollment without penalties, depending on your current health coverage. - Medicare Before 65: Learn how disabilities, ALS, or ESRD can qu ..read more

In this episode of our podcast, we delve deep into the intricacies of Medicare Advantage (Part C) plans, a popular choice among Medicare beneficiaries. With many  $0/month premium options that offer additional benefits not covered by Original Medicare, many are left wondering, "What's the catch?" Join us as we answer that very question! Key Highlights Understanding Medicare Advantage: A concise overview of how these plans work, their history, and why they're an attractive option for seniors. Funding Insights: Insight into the funding process, including federal budget impacts and the shi ..read more

Dive into our latest podcast episode where we tackle some of the most pressing Medicare questions asked by our audience! From Medigap enrollment nuances to managing Health Savings Accounts post-65, we've got you covered. This episode is a treasure trove of insights, ensuring you navigate Medicare with confidence and ease. Key Highlights: Medigap Enrollment Post-65: Discover if you're eligible for Medigap after delaying Medicare Part B. HSA and Medicare: Learn how enrolling in Medicare impacts your Health Savings Account. Avoiding the Donut Hole: Strategies to manage medication costs and avoid ..read more

Whether you're a first-time enrollee or a seasoned Medicare beneficiary, understanding yearly Medicare cost changes is key to managing your healthcare expenses effectively. In this episode, we cover everything from Original Medicare costs to Medicare Advantage, Medigap, Part D, and even unexpected Medicare costs, ensuring you're well-prepared for the year ahead. Original Medicare Costs for 2024: Part A Premiums: $0/month for most, up to $505/month based on work history.  Part B Premiums: A base premium of $174.70/month. Part B OOP Costs: $240 yearly deductible, 20% coinsurance Medicar ..read more

In this latest episode, we dive into the world of Medigap plans for 2024, guiding you through the maze of Medicare Supplements. Perfect for those transitioning to Medicare, we address the vital question: "Which Medigap plan is right for me?" Key Segments: 1. Understanding Medigap Plans: A brief yet comprehensive overview of Medigap plans, explaining their role alongside Original Medicare. 2. Popular Plans - F, G, N: We examine the pros and cons of the most sought-after plans F, G, and N, helping you identify which aligns with your healthcare needs. 3. Exploring Lesser-Known Options: We she ..read more

Join us in our latest podcast episode as we unravel the critical debate of Medicare Advantage vs. Medicare Supplements in 2024. This episode is essential for anyone on Medicare, providing insights into making the most informed decision for your healthcare needs. Inside This Episode: 1. Original Medicare Overview: Quick guide to Part A and B, highlighting the necessity of being enrolled in both parts of Original Medicare before enrolling in MAPD or Medigap coverage. 2. Medicare Supplement (Medigap) Coverage: Explore the role of Medigap in filling Original Medicare's coverage gaps, focusing o ..read more

Are you overwhelmed by the flood of Medicare advertisements? Dive into our latest episode, where we unravel the complexities of Medicare advertising. We'll dissect the current trends, give voice to consumer opinions, and arm you with essential tips to sidestep misleading advertisements. This episode is a must-listen for anyone navigating the Medicare landscape or seeking clarity in the sea of Medicare marketing. Understanding Medicare Marketing Trends: Explore the dominance of Medicare Advantage plan advertisements, and what this means for you. Consumer Insights on Medicare Ads: Hear what rea ..read more

In this essential episode, we tackle the vital question for seniors approaching 65: "Do You Need Medicare?" We provide a  guide through Medicare eligibility and decision-making, focusing on those turning 65. 1. Medicare Eligibility Overview: We start with an overview of Medicare eligibility, particularly for those reaching 65. This includes insights into eligibility criteria for different groups and a link to a detailed Medicare eligibility calculator. 2. The Medicare Enrollment Decision: We debunk the myth that everyone must enroll in Medicare at 65, explaining how your current health ..read more

Frustrated with Medicare complexities? We've compiled the most pressing questions from our listeners and social media followers to deliver you the answers you need – no personal information required. From avoiding invasive marketing calls to preparing for interstate moves, and understanding the nuts and bolts of choosing a Medigap plan, we're here to clarify the Medicare maze. Tune in for insightful discussions, including: - Safeguarding Personal Information: Learn how to get Medicare Advantage and Medigap quotes without compromising your privacy, and the truth behind those persistent market ..read more