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I have to say that the most overwhelming thing that I've learned in handling 100% Medicare is that at the end of the day, to do a good job and be successful it's a pretty simple recipe on our end. Help people. That's it. Do what you say you will, look for answers to their problem and help them. The result is less stress in their world and (what I feel will be) clients for life. Five years …
Field of Dreams
If you know me, you know I don't watch much TV nor many movies, but I DO often think of the Field of Dreams line "If you build it; they will come". We're building it; they're coming. I'm reflecting this holiday weekend over coffee and wow, has it been a whirlwind five months! Again, as many of you know, we began the Boomer Health Group journey in January, 2018 after spending time along the way …
Medicare Advantage Plans
Sooooo, people think that we "don't like" Medicare Advantage plans. Welllll, that's incorrect. What we don't like is the fact that many, many, many of those that we meet age 65 and over aren't quite presented TWO products as their avenues to "supplement" their Medicare coverage. Pull out the 2018 Medicare & You Handbook. Page 5. This page pretty clearly states that there are two paths to …
Mistakes
We have days in a row where we just seem to hit mistake after mistake after mistake in Medicare-Land. A CPA asked me to call a client with a Medicare issue. During the phone call, I learned that he has a small business - under 20 employees, is well past age 65 and had not been advised to sign up for Medicare's Part B. He went on to say that his wife had Parts A and B and had purchased a …
Caregiving, long term care and more!
I saw this picture on Linked In with the statistic related to caregiving - that 14% of caregivers are over age 65. I talked with a person this week who is that caregiver. To both parents. Her full-time job is caregiving. Amazing is all I can say. So, I watch as this person tries to make the best healthcare decision for herself. How does caregiving impact HER health? Realize how physically and …
Timing
Timing can be critical with an impending Medicare decision. Case in point. We had a referral to us yesterday that is turning 66 this month. He said "I'm ready to do Medicare now". After listening to his story, he said that last year - as he was approaching age 65 - he was "hounded" by agents and finally let two gentlemen into his home to talk about Medicare. He said that he "didn't like them" …
Wow!
Sometimes even I am surprised how much money can be saved in getting Medicare "done" right. Small groups (under 20 employees) can move those that are over age 65 to a group Medicare supplement plan. I just quoted one today. I am recommending moving three people to this type of plan and the savings are $27,000 annually. Oh, and the coverage is improved quite a bit. Yes, I said that. Better …
Medicare’s Two Surprises
Ok, so there are far more than only TWO Medicare surprises, but I'm going to start with the big two! I met with a new to me couple yesterday. They are both over 65. One person is actively working and one is retired. The actively working person will be retiring this year sooooo, it's time to prep for our healthcare talk! The great part about these two was that they were pretty educated! …
Medigap Policies
Why I like Medigap.....! I checked in recently via text message with a client that began his Medicare policy with my on 4/1/17. I always remember this fellow because of his dry sense of humor, his pure skepticism and his wit that has led us to become buddies. So, I sent him a text a week ago. "Happy one year with Medicare! How is it going?" His answer "I'm tickled with everything, thanks to …
Not so straightforward!
Medicare decisions are often not very easy. Listen how this wise advisor steered his clients toward a better decision. …