Douglas B Jones Clu Rhu With Randy Carson Of C2c Consulting public
[search 0]
More

Download the App!

show episodes
 
Loading …
show series
 
A clever bit of subterfuge managed to get this coosome - twosome back on the right track. Also, briefly mentioned, is Warren's Mother who was sick of her popularity with Medicare insurance salesmen who won't stop bothering her. We visit the happy conclusion in a future episode! (Most severe critic: A) Inspired by "MEDICARE FOR THE LAZY MAN; Simples…
 
Here come Plan G+ and HDG+ which include many popular (formerly) optional benefits for a very small additional cost. The birth has taken place in Illinois but should spread across the Medicare world soon, we hope! (Most severe critic: A-) {Correction: it was a 1957 Plymouth, not a Chevy!} Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest G…
 
One doctor's study shows a disturbing trend: those under 65 are waiting for Medicare enrollment to seek treatment for potentially deadly conditions. Tsk tsk! There is no reason to risk your life by waiting until it is too late! (Most severe critic: A) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Retu…
 
After a round of "Stump the Expert" I try to regain my composure by dipping into the mailbag to address some burning questions. (Most severe critic: B+) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareFo…
 
Also, blessed are the landscapers, especially those who turn out not to be all that noisy after all! (Most severe critic: A+) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send questi…
 
The Feds have very struct rules about what your agent may call this opportunity. If he messes it up you can turn him in!(Most severe critic: A) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyM…
 
NEITHER! The insurance company needs to remain profitable AND competitive, so the premium rates will be adjusted downward or upward as needed to meet their goals. …and don't let those liars tempt you into accepting Community Rating, either! That's just like asking insurance company actuaries to don blindfolds and fling throwing knives at their pret…
 
After my humiliating defeat we briefly dip into the MLM Mailbag to respond to some questions from readers. (Most severe critic: A) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send q…
 
Also known as "short term" health insurance, it is stripped of many of the costly ACA mandates, giving it a streamlined level of protection at a greatly reduced cost. For a temporary need of a year or two (or maybe three) this could be a cost effective alternative for very healthy people. (Most severe critic: A-) Inspired by "MEDICARE FOR THE LAZY …
 
Among other freebies, there are 20 different preventive screenings that are covered in full by Medicare: no cost sharing at all! Additionally, we describe the relatively new Telehealth benefit and explain to listeners how to check a PDP (Prescription Drug Plan) to make certain it is still the lowest cost plan available. (Most severe critic: A-) Ins…
 
A newly discovered prescription discount card has a silly name - Go Go Meds - but just may save some $$$ when filling prescriptions. Are you covered by a BCBS Managed care or Advantage plan in Oklahoma? If so and if you seek treatment from a St. Francis Health System provider, don't expect your insurance company to pay for it. Those two have parted…
 
Thanks to our favorite interrogator Steve, I get to read very specific instructions about the best way to communicate with the Feds about enrolling in Part B without endangering their oh so delicate health. How about withdrawing from Part B while temporarily joining an employer group insurance plan? That process is a little more murky. (Most severe…
 
A "people person" might just find insurance sales to be a very rewarding and lucrative professional career path. Also, are you a woman of "a certain age" who has let her hair go natural during the 2020 Chinese virus panic? Don't rush back to the beautician; turns out the dudes in your life may really enjoy your new appearance! (Most severe critic: …
 
An insurance company position paper suggests that agents steer customers to Plan N as the the rates for Plan G respond to upward pressure. Completely ignored is the best money-saver in the business: HDG! (Most severe critic: A) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short cust…
 
Among the take-aways is that we are all separate individuals in the Medicare world. Husbands and wives may find themselves with different supplement plans from different companies. However, watch out for the salesman who insists that you buy a drug plan from your Medicare Supplement insurance company. Insist on a search for the least expensive plan…
 
This can't be said too often: High Deductible Plan G (HDG) is a terrific value for all but the most chronically ill Medicare participants. Unless there is a year of unusually large Medical bills, the premium cost is very low and offers substantial savings over the cost of regular Plan G. (Most severe critic: A) Inspired by "MEDICARE FOR THE LAZY MA…
 
In addition to resolving political disputes, MLM has contracted with a service to provide an overall letter grade for each episode. Also, we dip into the MLM Mailbag to find that Drew, in Texas, is seeking guidance in anticipation of his 65th birthday. His relationship with MLM comes to a sad conclusion. (Most severe critic: B) Inspired by "MEDICAR…
 
Signing up for Part B was just a little more confusing than Steve expected it to be. He and I were able to put our heads together and figure it out, starting at minute 8:00. Afterwards, Randy described his efforts to negotiate a reasonably priced inhaler from the prescription drug cartel he is forced to deal with. (Most severe critic: A) Inspired b…
 
Hint, most of these mistakes seem to involve wasting money. The fun starts at minute 8:00! (Most severe critic: A-) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send questions & love…
 
To get out of this pickle he must be interrogated by a government functionary and do a mess of paperwork. We answered some other MLM mailbag questions, but nothing this problematic! (Most severe critic: C+) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help fu…
 
Those who are stuck with Medicare Advantage plans have some work to do at year's end.... every year! Start taking notes at minute 13:00. On the other hand, you won't need to worry about any of this stuff if you take the advice of Medicare for the Lazy Man! (Most severe critic: C+) Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Eve…
 
We dip into the MLM Mailbag and come up with correspondence from three readers/listeners who have concerns about the consequences of their Medicare enrollment. However, we start the episode by welcoming little Asher Carson Stein to the MLM family! We expect to put him to work just as soon as his baby blue headset arrives. (Most severe critic: B) In…
 
An idle question leads to an examination of some of the reasons advantage plans have ensnared hoards of unsuspecting enrollees. Most are never told that once they have abandoned the more desirable Medicare Supplements, a decline in health may permanently eliminate this option for them. From the MLM Mailbag: the wife of a valued client is forced to …
 
Plans can influence the life spans of their enrollees, but most shoppers do not have enough information to choose the best ones. A single determinant is most critical: the price of the plan. The serious Medicare action starts at minute 13:45. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to lea…
 
Plus, Steve asks about employee leasing companies? Are they still out there? The serious MLM Mailbag readings start at minute 10:00. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send…
 
One of the few Medicare questions to be answered with a question mark. Leave it to Dominick Regina to stump the expert while demanding an episode index! The early minutes are spent addressing other problems, such as an indecisive high school reunion committee and the lovely Daniella dodging a direct request for the expected release date for our aud…
 
Has your health deteriorated to the point where you cannot qualify for a more affordable plan? Don't despair, there is one sure-fire solution for you! The solution appears after16 minutes of free association about subjects like Dr. Michael DeBakey and the best use for his famous clamp. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guid…
 
We review several news items pertaining to turnover in the business (including a Part D plan going defunct). First we break out the party hats and noisemakers for a "welcome" extravaganza to commemorate the arrival of little Nora Laine McMillin on April 6th, 2021! Congratulations Magda & Drew! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easi…
 
What happens to your Medicare participation if you return to the USA after years in a foreign country? Will your Medicare Supplement need to be replaced if you move from the frozen northeast to warm and balmy Florida? Join us for a marathon trek through the MLM Mailbag today! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2…
 
After a spirited discussion of Indian casinos and Alaskan oil dividends, at minute 14 we turn to the MLM mailbag. Correspondent Tim is trying to decide whether to stay on his wife's expensive group plan that pays for treatment at Mayo. His alternative is to enroll in less expensive Medicare and a supplement but lose the access to Mayo services. Wha…
 
Why Obamacare, of course, as I explain in answer to a question from the MLM mailbag! When it was a free market everyone paid less. We'll get there at minute 14 after I describe one of the three evenings I spent hanging around with The Beatles. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to le…
 
If you haven't guessed the culprit by now, go back to Episode 1 and listen again for the oft-used word "disadvantage". Also, Randy is going to avoid family fireworks by dodging holiday gatherings. You see, his nephew is a budding insurance agent who sole his own mother a Medicare Advantage plan. Trouble on the horizon! Inspired by "MEDICARE FOR THE…
 
For the first 10 minutes I describe my father's favorite recreational activities, including pulling weeds and testing customer treatment at various Ford dealerships in the area. Then I describe the symptoms many of us have felt after completing the second injection of Moderna, including a fever, lethargy and some temporary "brain fog". In the "I to…
 
Being pursued by a lynch mob of demanding customers renews one's sense of accomplishment and feeling of self-worth. Share the joy with me at starting at minute 12:30! We start and finish the episode with the usual "free association" discussion, including the British Invasion of the 1960s and why farm silos can't be made to look more perfectly symme…
 
In order to avoid a tax penalty, do not make a deposit to your HSA while participating in any part of Medicare. Take it from me, you should also stay away from flat beer! Prepare for some MLM Mailbag items starting at minute 8:15. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short c…
 
The first 13 minutes of this episode illustrate the difference between a cultured professional expert server of traditional Irish Guinness and a ham-fisted American beer swiller too cheap to give up the contents of a half-barrel with an overdue deposit. Bonus question: Who got snookered in the lease deal between Arthur Guinness and the City of Dubl…
 
A reading from Chapter 9 of the 2021 edition of Medicare for the Lazy Man as we enjoy the first ever MLM field trip! Celebrating St. Paddy's Day, Randy introduces me to uniquely Irish customs, like drinking Guinness in the morning, listening to barking poodles and passing aircraft. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ev…
 
Watch out! A sudden event can change your health and remove any options you once had to improve your protection and reduce your costs. This and other interesting items from the MLM Mailbag hit the microphone starting at minute 4:00. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short…
 
Between passes from the 2-cycle power tools I dip into the MLM Mailbag for some actual Medicare content. This all starts at minute 10:30. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com…
 
An expert predicts a dire future for the Medicare Trust Fund if taxes don't rise and payments to doctors don't decline. Haven't we heard this before? The bad news starts at minute 4:30. The Drew McMillin family prepares to take in a roomer next month AND my friend Seamus Carney's massive bony feet fascinate doctors at the Army induction center! Ins…
 
Hard to believe but experts like us can actually make it all fit! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com Send questions & love notes: DBJ@MLMMailbag.com…
 
....spend the first 12 minutes getting ready to start the work at hand. Then I delve into the MLM Mailbag. A question about how desirable Plan N would be is answered briskly. Also, the short list of nosy questions I must ask before being able to provide an accurate Medicare Supplement premium quote. I neglected to mention asking about any roommates…
 
Those who have only a temporary need or who can tolerate a limited level of protection might take a look at short-term health insurance. In fact, this could be a good choice for healthy people closing in on Medicare eligibility. At minute 8:00 we "get after it"! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazo…
 
At minute 8:00 we discover that no, enrolling in Part A when you turn age 65 will only be a mistake if your medical plan allows for tax deductible HSA deposits. There was also some discussion of HSAs vs. FSAs for those who are curious about such things. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Re…
 
Listen to the long list of freebies that Medicare will provide. The goal is to catch potential medical problems before they become serious. The episode begins with a sneaky engineer who started recording earlier than usual... without warning anyone! Thanks a lot, Randy! Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" …
 
Medicare Supplement High Deductible Plan G will almost always provide big monthly premium savings over regular Plan G and even over the newly promoted Plan N. Agents won't volunteer it until you demand to hear about it. Why? Because there is very little commission money in it for them! Jump to minute 14:45 unless you'd like to eavesdrop on our rand…
 
For today's episode I dig deep into the MLM Mailbag, withdrawing a stack of correspondence. I then proceed to attack this correspondence in reverse date order, answering questions and sewing seeds of confusion throughout the podcast. Inspired by "MEDICARE FOR THE LAZY MAN; Simplest & Easiest Guide Ever! (2021)" on Amazon.com. Return to leave a shor…
 
Peace of mind or saving lots of money; how does one make the best choice? For some, the decision process is a real struggle, even though the worst-case risk is very limited. We breeze through it starting at minute 8:00. Read more in Chapter 8: The Best Kept Secret in Medicare! Welcome to Randy's first episode since getting the virus on New Years Ev…
 
The eye candy visible from the studio windows offered a powerful distraction to this junior podcaster. Difficult as it was to stay on point, I still managed to address several items from the MLM Mailbag, starting at about minute 8:30. Note: The Wuhan Flu paid a visit to the MLM production staff in late December, shortly after this episode was recor…
 
One important lesson to take away from Episode 146: If the Feds try to nail you with an IRMAA and the high income year was a fluke or one time event, grab the proper form (I can help with that) and file an appeal! In addition to the Medicare content (which starts at 6:00) I remind listeners that announcer Drew McMillin is on track to becoming a fat…
 
Loading …

Quick Reference Guide

Copyright 2021 | Sitemap | Privacy Policy | Terms of Service
Google login Twitter login Classic login