Page de couverture de Wisdom Wednesday: Insider Medicare Tactics You Won’t Learn Anywhere Else

Wisdom Wednesday: Insider Medicare Tactics You Won’t Learn Anywhere Else

Wisdom Wednesday: Insider Medicare Tactics You Won’t Learn Anywhere Else

Écouter gratuitement

Voir les détails du balado

À propos de cet audio

Welcome to Wisdom Wednesday on Real Easy Medicare with Al Kushner! Drawing on four decades of experience, Al reveals elite-level strategies to optimize your Medicare coverage and reduce costs.

  1. Hidden 90-Day Benefit Period
    • A single benefit period spans multiple hospital or SNF stays within 60 days, avoiding repeated $1,632 Part A deductibles; track your 60 lifetime reserve days carefully
  2. Medicare Secondary Payer Techniques
    • Strategically choose when employer or indemnity insurance pays first to minimize out-of-pocket; stack accident, critical illness, or hospital indemnity policies
  3. Medigap Birthday Rule Exploits
    • In states like California and Oregon, switch Medigap plans annually during your birth month without underwriting; intra-company switches may apply elsewhere
  4. Network Quality over Quantity
    • Evaluate local specialist depth rather than total network size; identify responsive providers by calling offices about appointment availability
  5. True Out-of-Pocket Cap Insight
    • The $2,000 Part D true out-of-pocket cap replaces the donut hole; timing high-cost drug purchases no longer accelerates a gap
  6. Appeal Success Path
    • Appeals win rates climb from 20% at level 1 to 60% at ALJ level; persistence and thorough documentation are critical
  7. Social Security–Medicare Synergy
    • Coordinate premium deductions, assistance programs (QMB, SLMB, QI), and optimal enrollment timing for tax and cost advantages
  8. HSA Continuation Strategy
    • Delay Part A enrollment under HSA-qualified employer coverage to maintain tax-free HSA contributions post-65; requires pre-65 planning
  9. Geographic Cost Planning
    • Compare Medicare Advantage and Medigap rates across ZIP codes before relocating; retirement location can double or halve premiums
  10. Critical Enrollment Timing
    • Medigap’s six-month guaranteed issue window versus MA’s annual OEP and SEPs; missing these windows locks in coverage

Next Episode Preview: Tips & Tricks Thursday—actionable hacks and shortcuts you can implement immediately to streamline your Medicare journey.

Pas encore de commentaire