Douglas B Jones Clu Rhu With Randy Carson Of C2c Consulting public
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Next is a really short questionnaire for those who want to buy a Medicare Supplement plan. Answer a few questions, click the button to "submit" and then I will have the minimum info needed to show you the cost of the best Medicare coverage on the market today! The important stuff begins at minute 5:30. Inspired by "MEDICARE FOR THE LAZY MAN 2020; S…
 
Sounding like a frustrated student at Harvard Law, a Texan asks how to obtain DENTAL, VISION & HEARING coverage. This offers a perfect opportunity to flog my new dental product that requires no network of providers. The fun starts at minute 13:00! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and Barnesa…
 
An in-depth discussion of Treasure Island and the ideal Warfarin score precedes the start of Medicare business at minute 13:30. Three questions were addressed: 1) When is Indiana "going green" on MLM.com? 2) Should an HSA participant also enroll in Part A of Medicare? 3) What plan do I recommend for "hubby" with health problems? Inspired by "MEDICA…
 
As AEP (the annual election period) approaches, discussion of the generally less desirable MA plans increases in frequency. From about minute 6:30 a partial list of flaws in Medicare Advantage plans is exposed for the entertainment of all. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.…
 
A fan near San Diego needs a supplement plan and now understands that High Deductible Plan G just might be his best choice! We "get after it" at minute 11:30 after discussing lock operations in Canada as compared with Panama. Eh? Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Retur…
 
We "get after it" early by cautioning a correspondent that his family agent can probably sell him the Medicare Supplement plan of choice. However, he would be more likely to get the least expensive drug plan by following the steps in Chapter Nine of my book. Randy then gives a short review of the life saving contribution made by the Code Talkers in…
 
The most powerful Medicare insurance protection is Medicare Supplement. The most bang for your bucks is Medicare Supplement High Deductible Plan G (or F) It saves you considerable money each month while severely limiting the risk of loss during a year of abnormally expensive medical charges. Medicare seriousness starts at minute 11:30. In Californi…
 
The serious Medicare business starts at about minute 7:30. However, it is preceded and followed by some very serious dental talk. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForT…
 
Let's face it, government lawyers have loaded insurance companies with all kinds of needlessly expensive responsibilities. They pass the expense along to us in the form of higher premiums and nobody seems to realize the cost. Complaining starts at about minute 8:00. Afterward we hear questions from my "stalker" Steve, who comes up with the best que…
 
Newly discovered by this Medicare expert is a government publication entitled: "Enrolling In Medicare Part A & Part B". Download it free of charge with the search info provided in this episode. Discussion of this publication starts at about minute 3:45. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and B…
 
The Annual Election Period starts October 15th. This is the time of year when all Medicare Advantage plan holders are allowed to dump the crapola they have for different crapola they might not hate as much. Swarms of Advantage sales-people will be prowling around looking for fresh meat. Listen for insights as to how some of them will prepare for th…
 
After cataract surgery, the patient will likely enjoy improved vision and a choice of intraocular lenses for the enhancement of visual acuity. The serious Medicare business starts at about minute 5:00. After it is over, enjoy listening to the hosts comparing their experiences with "dime store readers". Inspired by "MEDICARE FOR THE LAZY MAN 2020; S…
 
There is a lengthy list of free screenings and preventive services covered by Part B of Medicare. Just ask! The serious Medicare stuff starts at minute 4:00. Also, take a quick peek at some of the changes expected in Medicare for the Lazy Man 2021. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and Barnes…
 
In accordance with the new resolution, we "git after it" at minute 2:45. From the MLM Mailbag, a reader has correctly calculated the worst case scenario for buying High Deductible Plan G. Turns out it is great protection for an exceedingly reasonable price! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com a…
 
A listener writes to report that he is likely to be IRMAA-NIZED when he goes on Medicare next year. I hope he listens to the preceding episode to learn how to appeal that success penalty! He also gives us a chance to announce that the LAZY MAN ship of state is changing course and henceforth vows to assist all Medicare Supplement buyers in need of o…
 
The eight page Form SSA-44 just may be your ticket to a reduction or removal of the Income Related Monthly Adjustment Amount. Google and download it pronto! The meat of our Medicare subject starts at minute 7:20. Eventually we morph into a lighthearted critique of The Privacy Act, The Paperwork Reduction Act and the self-congratulatory Plain Writin…
 
Another writer wants to know how to pick the very best of four high quality Medicare Supplement insurance companies. The Medicare business starts at minute 6:30. Afterwards, thanks to Mike Rowe we recite the interesting origin of the song played more often than any other ditty in the history of music! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Si…
 
Thanks to Steve, I learned how anal retentive accountants want to measure the benefits of High Deductible Medicare Supplement plans. They missed the mark by a wide margin as I explain, starting at minute 5:30. Then, how did railroads decide on a track gauge of 4' 8 1/2" rather than something that would actually make sense? Blame the ancient Romans!…
 
Surprisingly, we get down to business at minute 3:00. After extracting a couple of items from the MLM Mailbag I take a trip down memory lane (Route 66) in a classic corvette. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and BarnesandNoble.com. Return to leave a short customer review & help future reader…
 
The key problem: the plan selector will not let you pick the desired start date. Rather, it just assumes that you are buying a PDP at the 1st of the following month. Medicare content begins at minute 8:00, and when it is finished we discuss Hawaii, Spam and the Arizona State Penitentiary. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easi…
 
Now, the Part B application process can be handled online for those who are past age 65 and leaving active employment. The Part B application (CMS-40B) can be submitted in accordance with the online instructions. Proof of creditable coverage (CMS-L564) does not have to be signed by a company official but mist be accompanied by a document proving th…
 
My friend and neighbor Ronnie X. was led astray by fellow employees and was not well served by his HR department which allowed the misinformation to stand. Medicare content starts at minute 11:00 and is followed by some train talk at the end of the episode. Note that this episode number was bumped up by 2 in order to accommodate the unnumbered epis…
 
In addition to Medicare insurance assistance, you can also learn about an hilarious movie ("Start the Revolution Without Me") and some historical information about those who seek gold in Arizona's Superstition Mountains. Look for the MLM Mailbag to start at minute 15:00! Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" o…
 
Try to ignore the microphone malfunction while listening to the sad Corvette saga, which includes a reluctant passenger of the Bottle Blonde persuasion. The real Medicare fun starts at minute 19:00 with two items drawn from deep in the MLM Mailbag. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon.com and Barnes…
 
As a salesman this just breaks my heart: all of today's MLM Mailbag stars are looking for a licensed agent who can sell them my recommended Medicare Supplement plans with a minimum of stupidity and irritation. I referred Californian Armando to Paul Sheldon, my Medicare podcast inspiration in Bakersfield. We also heard from Dale in Arkansas and Judy…
 
Oh yes, Medicare for the Lazy Man has been warning listeners about the drawbacks of Medicare Advantage plans. Now government inspectors have exposed their tactics to the light of day. The episode leads off, up until minute 14:00, with a travelogue; a saga of a cross-country trek through the strange land between Arizona and the suburbs of Chicago. I…
 
Ever known anyone with a pet mongoose they kept in a cage and took bar hopping? At about minute 19:00 we hear from Kirb Walters who wants to minimize his Medicare expenditures. He needed to be reassured that High Deductible Plan F is exactly the plan he should buy. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amaz…
 
Before that enjoy some horror stories from the annals of pediatric medicine in the last millennium. I reach into the MLM Mailbag at minute 21:00 for a couple of Medicare questions from readers of my book. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon and Barnes & Noble. Return to leave a short customer revie…
 
Episode 66 begins with a discussion of how concealed carry might be contributing to a more polite society and an opinion as to the effect airline stewardesses have had on the world of travel accessories. I dip into the MLM Mailbag at minute 11:45 for the first piece of correspondence. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest …
 
Her dilemma? Whether to accept an inevitable IRMAA penalty or to go on COBRA and invite a lifetime late enrollment penalty. First we explore the history of electrical generation and the larger than life personalities who struggled to prevail in that contentious profession. The dip into the MLM Mailbag begins at about minute 13:30. Inspired by "MEDI…
 
If you can endure the horrible audio results of an experiment gone tragically wrong, the real meat of this episode will start at minute 11:00. In the meantime we visit the world of 1950s children's TV shows and explain how a 1950 Willys Jeepster came to be roaming around northern Illinois with this Route 66 commemorative tag: MCML and a bottle blon…
 
When an agent is pitching you on a Medicare Advantage or PDP plan, the CMS has a list of statements that agent is prohibited from uttering, under penalty of.....? First, we discuss some amusing situations presented in an MST3K movie and in "The Wizard of Oz". The business actually starts at minute 11:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020;…
 
With a name like "Medicare for the Lazy Man" I expect to be sneered at periodically, but to misquote one of the major positions consistently put forth on this podcast is just irresponsible. In a visit to the MLMMailbag we heard from Carol, age 74, who wants to retire but has limited options when it comes to paying for a very expensive medication sh…
 
Medicare has very specific rules about when to enroll in Parts A & B. Follow them and all will be well; ignore them and you may find yourself without proper protection for some period of time. The fun starts late, at about minute 18:30. Prior to that, learn a little of the history of telephone technology from the last millennium. Listen as the Sout…
 
1) the Chattanooga basketball team is really the Memphis Grizzlies. 2) Doug woke up with his idea of the "black box in Medicare Supplement insurance" on May 11, 2017. 3) Doug met the Carsons in March of 2018. 4) Mutual of Omaha, while still an excellent insurance company may not be the final choice to offer to Arizonans after all. We have discovere…
 
Door-to-door salesmen sell Final Expense packages which are expensive and aimed at the buyer who is afraid of the label "life insurance". In reality, you are better off letting a professional assess your goals and steer you in the proper direction. Later, the MLMMailbag coughs up three questions from readers who are approaching Medicare age and wan…
 
How does an HMO or Medicare Advantage doctor save the insurance company $$$$ by denying you permission to see a specialist? Also, how does the human "lizard brain" differentiate the dangerous from the benign things we sense? Fasten your seat belts at about minute 11:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on…
 
Why might Doug's book have been added to the "Erotica" category in addition to "travel tips"? Serious content (HA!) starts about minute 9:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon and Barnes & Noble. Return to leave a short customer review & help future readers. Official website: https://www.Medicare…
 
We spend this episode plowing through part of the lengthy list of "qualified" medical expenses for those with HSAs, FSAs and MSAs, but not necessarily HRAs*. Needless to say, hilarity ensues! The fun starts at about minute 8:00 and continues in the next episode. * (Health Savings Accounts, Flexible Spending Accounts, Medicare Savings Accounts but p…
 
Other questioning letters have to do with: a dopey insurance broker unleashed by Sherry's irritating brother-in-law; Robert preparing to move south in California and wondering what effect this will have on his insurance; successful Art hoping to see his IRMAA penalty disappear after retirement and Dave who has been seduced by the evil Medicare Disa…
 
There are iron-clad rules limiting the right to purchase a Medicare plan. However, the government has established a lengthy list of exceptions and modifiers that loosen those rules considerably. We go through that list of special circumstances starting at minute 13 (and continuing until you are completely disgusted). Inspired by "MEDICARE FOR THE L…
 
Climbing as high as #15 on the list of the 1000 great things about Medicare, a cheerful discussion of the positive effects of Medicare ensues. Serious content begins at the 15 minute mark. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon and Barnes & Noble. Return to leave a short customer review & help future …
 
The widget has been perfected! Come to MedicareForTheLazyMan.com to learn the cost of a great Medicare Supplement from a great insurance company. If you allow me to be your agent, you may complete and send me your application online without having to deal with a live human being at all! Also, ever wondered why Mexicans in the U.S. go nuts on each M…
 
When a large group of doctors and hospitals stops accepting your Medicare Advantage insurance plan, the mad scramble is on. This can happen any time of year even though you are stuck with that plan until the new year starts. The actual Medicare talk begins around 7:00. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on …
 
Go to Ms. Omdahl's site: https://www.i65.com to avail yourself of completely unbiased advice applicable to your specific circumstances. Not free, though! You humorless curmudgeons should skip ahead to 9:30 in order to reach the actual Medicare information. Inspired by "MEDICARE FOR THE LAZY MAN 2020; Simplest & Easiest Guide Ever!" on Amazon and Ba…
 
Medicare has many testing and screening procedures that are either fully or partially paid by them, and finding them on Medicare.gov couldn't be simpler! We also visited the MLMMailbag to hear a question from Scott in Pennsylvania. For you humorless cranks, actual Medicare content starts at about 3:09. Thanks for joining us! Inspired by "MEDICARE F…
 
An interesting combination: Medicare Medical Savings Account plans! This allows the insured to save tons of money (in periods of good health) while paying any medical expenses with pre-tax dollars. Also, the stampede to download "Medicare for the Lazy Man 2020", as reported by Doug continued into the following day. By the time Amazon bean counters …
 
Medicare has drawn a line in the sand between "custodial care" and recovery from illness or injury. Also, learn a little about some tourist attractions in Phoenix, AZ and Oglala/North Platte, Nebraska plus enjoy another visit to the MLMMailbag where some creepie/crawlies may be living in the deep, dark depths. Inspired by "MEDICARE FOR THE LAZY MAN…
 
Provider networks can be "narrow, medium or broad" in their coverage of a particular city or town. This refers to the percentage of doctors and hospitals contracted with the plan that pays your medical bills. Larger (or "broader") is far better than narrower. Also, a quick visit to the MLMMailbag (thanks to Joan Roderick), and a reenactment of the …
 
You might receive a junk mail invitation to an educational event OR a sales and marketing meeting. What are the differences? What rules will the presenter be forced to follow? Will the "Secret Police" infiltrate? Also, a review of the history & usage of nitrous oxide and a short comparison with sodium penthathol. Inspired by "MEDICARE FOR THE LAZY …
 
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