123 episodes

Moving yourself into the Medicare system for the first time can be a challenge. When we say "first time" we mean those folks that are turning 65 and need Medicare now or those that are retiring past age 65 and have to figure out how to go from their employer sponsored insurance and over to the Medicare system. That's where we come in. Join Joanne Giardini-Russell and Cameron Giardini along the with rest of the "Transition to Medicare Team" as they get you there in the right way. Our Michigan-based insurance agency can coach you through the process and enroll you into the products that you need to pair up with your Medicare. You can call us at 248-871-7756. Or, visit our website at www.gmedicareteam.com. And, please check out our free Medicare course at www.gmedcourse.com    We provide Medicare products to those in the following states: MI -- AZ, CA, FL, IL, IN, MD, NC, OH, PA, SC, TX

The Transition to Medicare Podcast Giardini Medicare

    • Education
    • 4.9 • 36 Ratings

Moving yourself into the Medicare system for the first time can be a challenge. When we say "first time" we mean those folks that are turning 65 and need Medicare now or those that are retiring past age 65 and have to figure out how to go from their employer sponsored insurance and over to the Medicare system. That's where we come in. Join Joanne Giardini-Russell and Cameron Giardini along the with rest of the "Transition to Medicare Team" as they get you there in the right way. Our Michigan-based insurance agency can coach you through the process and enroll you into the products that you need to pair up with your Medicare. You can call us at 248-871-7756. Or, visit our website at www.gmedicareteam.com. And, please check out our free Medicare course at www.gmedcourse.com    We provide Medicare products to those in the following states: MI -- AZ, CA, FL, IL, IN, MD, NC, OH, PA, SC, TX

    How is Medicare Advantage Actually Funded!?

    How is Medicare Advantage Actually Funded!?

    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 shift in Medicare payments towards these plans.Differences Unveiled: A look at how Medicare Advantage and Original Medicare funding diverge, emphasizing the capitated payments model.Key Terms Explained: Simplified explanations of benchmarks, risk scores, and quality payments, and their roles in Medicare Advantage funding.Challenges Addressed: Discussion on the systemic issues like risk adjustment, coding practices, and their implications for beneficiaries and Medicare's future.Our Take: Reflecting on the balance between offering valuable benefits to beneficiaries and the financial realities facing Medicare Advantage plans.Please register for our FREE Online Course here: https://www.gmedcourse.com/

    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.

    Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content 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:

    We used far too many sources in the making of this episode to list here, but here is a link to a Google doc that includes the sources so you can take a look and do a deep dive on your own! https://docs.google.com/document/d/1kpE8TX-cXcEzVK5FFbZ7EUcgdD3qfdIRLFXxiuHefx0/edit?usp=sharing

    • 24 min
    Answering Listener Medicare Questions #2

    Answering Listener Medicare Questions #2

    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 the Medicare coverage gap.Medicare Advantage for Under-65s: Understand why Medicare Advantage plans are often recommended for those eligible before 65.Switching Medigap Plans: Explore the possibilities of changing your Medigap plan with your current provider.Why Listen:
    This episode is packed with practical advice, demystifying Medicare and empowering you with the knowledge to make informed decisions. Whether you're just transitioning to Medicare or looking to optimize your current plan, this episode is a must-listen!
    Please register for our FREE Online Course here: https://www.gmedcourse.com/

    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. Please fill out the form linked to our map.

    Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content 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:

    States' unique Medigap underwriting rules

    Medigap Pricing Under age 65 in Virginia

    Medigap pricing for those under age 65

    Official Choosing a Medigap Policy Handbook

    New 2023 Part B SEPs from BENES act

    • 20 min
    Important 2024 Medicare Cost Updates

    Important 2024 Medicare Cost Updates

    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% coinsuranceMedicare Advantage Costs:Average Premium: $18.50/month, with 66% of plans offering $0/month premiums.Out-of-Pocket Costs: Maximum in-network MOOP of $8,850Medigap (Medicare Supplement) Costs:Premiums vary by plan letter and geography, with significant differences across states and insurance providers.Out-of-Pocket Costs: Affected by the annual Part B deductible changes.Part D Prescription Drug Plan Costs:Average Premium: $55.50/month, with a wide range of premiums available.Deductibles and Coverage Limits: Maximum deductible of $545, with the initial coverage limit increased to $5,030.Unexpected Medicare Costs:IRMAA: Additional charges for higher-income individuals.Penalties for late enrollment in Part B and Part D.Future Projections for Medicare Costs:Insights from the latest Medicare Trustees' report on expected cost increases in the coming years.Please register for our FREE Online Course here: https://www.gmedcourse.com/

    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.

    Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content 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:

    2024 Original Medicare Costs

    2024 Max out-of-pocket limit

    Part D 2024 Landscape File

    KFF 2024 Medicare Part D Costs

    • 20 min
    What is the Best Medigap Plan in 2024?

    What is the Best Medigap Plan in 2024?

    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 shed light on other Medigap plans that might be the right fit for your unique situation.

    4. Long-Term Financial Implications: Understand the long-term cost impact of each plan choice, ensuring your decision is financially sound for years to come.

    Highlights:

    Plan F: Coverage details, eligibility, and suitability.
    Plan G: Ideal candidates for this comprehensive coverage plan.
    Plan N: Balancing affordability with coverage - is Plan N for you?
    High Deductible Plans: The pros and cons of plans like high deductible plan G.
    Geographical Factors: How your location influences plan choice and pricing.
    Cost Analysis: A concise comparison of long-term costs for key plans.

    Conclusion:

    Discover the ideal Medigap plan for your needs in 2024 with our insightful episode. Whether you're considering Plan G's comprehensive coverage, Plan N's value, or other options, we provide the clarity you need for a confident Medicare transition.

    Join us for a concise, informative exploration of Medigap plans. Tune in now! 🎧💡

    Please register for our FREE Online Course here: https://www.gmedcourse.com/

    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. Please fill out the form linked to our map.

    Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content 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:

    Oregon Birthday Rule

    California Birthday Rule

    What are Medigap Plans?

    Medicare and You Handbook 2024

    • 24 min
    Medicare Advantage vs. Medicare Supplements in 2024

    Medicare Advantage vs. Medicare Supplements in 2024

    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 on popular plans like G, N, and high-deductible Plan G.

    3. Medigap Pros and Cons: Analyze the benefits and drawbacks, including benefits like nationwide provider access and negatives such as potential premium increases.

    4. Understanding Medicare Advantage Plans: Learn about Medicare Advantage as a private alternative to Original Medicare, including Part D coverage.

    5. Medicare Advantage Pros and Cons: Discover the advantages of low premiums and extra benefits, balanced against network restrictions and possible higher out-of-pocket costs.

    6. Making the Right Choice: Insights into long-term planning and choosing between Medigap and Medicare Advantage.

    7. Enrollment Trends: Current trends in Medicare Advantage and Medigap enrollments, with a focus on future implications.

    Please register for our FREE Online Course here: https://www.gmedcourse.com/

    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. Please fill out the form linked to our map.

    Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content 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:

    2024 Average Medicare Advantage Premiums

    KFF Medicare Advantage Landscape

    MedPAC Medicare Advantage Enrollment Numbers

    Telos Actuarial Medigap Report

    • 20 min
    Behind the Hype: The Medicare Advertising Maze

    Behind the Hype: The Medicare Advertising Maze

    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 real Medicare consumers think about the advertisements they encounter. We delve into KFF focus group results for authentic consumer perspectives

    Decoding Advertisement Promises: We critically analyze the promises made in Medicare ads. Are lower Part B premiums and added benefits as good as they sound

    Independent Brokers vs. Big Ads: Uncover the different advertising techniques of independent brokers and how they differ from mainstream ads. Learn how to identify trustworthy brokers

    Evading Misleading Medicare Ads: Equip yourself with practical tips to avoid falling for misleading Medicare advertisements. We guide you on how to find reliable Medicare information
    Please register for our FREE Online Course here: https://www.gmedcourse.com/

    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. Please fill out the form linked to our map.

    Check out our website at  https://gmedicareteam.com/ Also, see our additional educational content 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:

    KFF how health insurers and brokers advertise Medicare

    KFF Consumer Opinions about Medicare Marketing

    KFF 2024 Medicare Advantage First Look information

    MAPD Enrollment Numbers

    • 21 min

Customer Reviews

4.9 out of 5
36 Ratings

36 Ratings

beasignpost ,

Very Helpful for Everyone!

I’m an independent medicare broker and find this very helpful, as a refresher for myself, and I know it’s extremely helpful for all people on Medicare. Thank you and keep up the good work!

dkgcl ,

Clear and organized

Excellent rundown on Medicare, helpful to newbies sorting through all these choices. Highly recommended!

J,hvkhgcyfctfxjgc ,

Giardini Medicare podcasts 5 Stars!

I’m a 64 year old with an intense need to understand what I’m signing up for later this year (2023). Take advantage of these podcasts! Well worth your time to feel comfortable and confident in your choice.

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