In this vlog I share my opinion on the Medicare Marketing Vultures that surface during the AEP (Annual Election Period) time of year and what you can do about it.

(WATCH)

I'm here to talk to you a little bit more about Medicare and this time of year called AEP which is annual election period and the scammers that are going to try and get into your head and try and steal away your business and steer you towards something that isn't true.

MEDICARE UPDATE
Annual Enrollment Period
Oct 15th - Dec. 7th

And the marketing activities of people who are very unethical about this calling you and telling you you have better options better things that are available and perhaps you do but for the most part if you're happy with your plan or you're going into a plan you don't want somebody misleading you just to get your business for a sale.

I don't operate that way! I look at things completely different and try and be very transparent and uphold a high level of ethics. I'm not here for the sale. I'm here to help you because this is a lifelong activity for you when you move into the Medicare world.  If you have any questions or you're getting inundated- and every year a lot of clients call me and say I'm getting all these calls, and I'm get all this stuff in the mail and I'm getting texts and I'm making me question do I have the right plan?

My first question is, has the plan been working for you? Typically they say that's working great with no problems at all. I say it is just the scammers, the vultures that are out there trying to get your business and it happens every year at this time. Unfortunately I can't do anything to stop it but if you do need help you do have questions, this is the time of year you can leave a comment below or you can email me text or call and I'd be happy to help you.

Hopefully this information and video will help you or someone you know.

Once you've watched the video, call, text or schedule an online appointment for additional information and a free consultation.

(949) 216-8459

Thank you for the opportunity to serve you!

I look forward to helping you build a better future. Understanding your many options will help you develop the critical skills you need to succeed.  

With Your Success In Mind,
Craig

Picture with my wife Karyn, Mammoth Lakes, CA

Problems accessing? Click Here.

Craig Colley
CA Lic. #0I48609 | TX Lic. #2231474 | TN Lic. #24395 | FL Lic. # W74383085

Coliday Insurance | Consulting
Email: [email protected]

Cell / Text: (949) 216-8459
Laguna Niguel, CA 92677
www.coliday.com

This is another Medicare Update on the importance of making a list of your prescriptions. A current list with the frequency, dosage, name and whether it's a generic or brand name. 

(WATCH)

Make sure they will still be on your plan going forward and this is very important to do because with a PDP - prescription drug plan this is the only time of year during AEP (the annual election period which is October 15 through December 7th) to do so.

MEDICARE UPDATE
Annual Enrollment Period
Oct 15th - Dec. 7th

This is also the time when you can make adjustments to your plans if you have a Medicare Advantage Plan.. Make sure you put your list together ahead of time so you've got plenty of time to make adjustments and pick the right plan if in fact you need to make a change. I'd be happy to help you.

Hopefully this information and video will help you or someone you know.

Once you've watched the video, call, text or schedule an online appointment for additional information and a free consultation.

(949) 216-8459

Thank you for the opportunity to serve you!

I look forward to helping you build a better future. Understanding your many options will help you develop the critical skills you need to succeed.  

With Your Success In Mind,
Craig

Picture with my wife Karyn, Mammoth Lakes, CA

Problems accessing? Click Here.

Craig Colley
CA Lic. #0I48609 | TX Lic. #2231474 | TN Lic. #24395 | FL Lic. # W74383085

Coliday Insurance | Consulting
Email: [email protected]

Cell / Text: (949) 216-8459
Laguna Niguel, CA 92677
www.coliday.com

A cancer diagnosis tends to dominate all aspects of our lives. From tests, waiting for results, treatment, side effects, surgeries, it can make us feel an unimaginable amount of fear and frustration.

The complete lack of control from our situation seems daunting and often hopeless. As grim as it may seem there are many things we can control for a better experience living with the big “C”. We can still make decisions and choices that will help us navigate this unfamiliar territory on this unexpected journey.

(WATCH)

Self-care is one of the best ways to start. Caring for ourselves is not selfish or self indulgent.
It is a practical way to deal with our new normal.

Routine self-care practices can change and even eliminate some of the unfavorable effects of anxiety, stress and sleep disorders commonly experienced when dealing with cancer.

Insight...
"Not everything about having cancer is negative.
It changes your perspective. Suddenly every aspect of life becomes more meaningful than ever before".

It is entirely possible to change your viewpoint and fragile disposition by the choices you make each and every day.  You can choose to have a good day or you can choose to have a bad day. 

Here are some ideas to help you have a better day… every day.

• Slow down. Find time for you, your body and mind. Don't let other people's agendas dictate what you do with your time and your energy.
• Make and take time for yourself. Start a hobby such as gardening, crafts, art, dancing, cooking and enjoy more music and reading.
• Start a journal. Write poetry, lyrics, stories, letters (remember you don’t have to send them) or start a blog.
• Nourish your body. Eat the best foods possible for your condition. Your body is capable of doing amazing things when it receives an abundance of fortified foods for proper nourishment.
• Light exercise and spend more time with people you care about. Taking a walk, stretching, light calisthenics and cardio workouts are extremely beneficial. Getting out and moving around helps to motivate one to socialize more with others. It does so much good to keep your mind and body focused on the positive things life has to offer. 
• Prioritize sleep. Getting proper rest is essential to help with healing or recovery.
• Protect your time. Saying "no" when you would usually say “yes” is crucial when overwhelmed.
• They do care. Don’t hold your friends and family hostage if they lack some interest in your journey with your disease. They still love and care about you. Realize they are busy with their lives, just like you.

Hopefully this information and video will help you or someone you know.

Once you've watched the video, call, text or schedule an online appointment for additional information and a free consultation.

(949) 216-8459

Thank you for the opportunity to serve you!

I look forward to helping you build a better future. Understanding your many options will help you develop the critical skills you need to succeed.  

With Your Success In Mind,
Craig

Picture with my wife Karyn, Mammoth Lakes, CA

Problems accessing? Click Here.

Craig Colley
CA Lic. #0I48609 | TX Lic. #2231474 | TN Lic. #24395 | FL Lic. # W74383085

Coliday Insurance | Consulting
Email: [email protected]

Cell / Text: (949) 216-8459
Laguna Niguel, CA 92677
www.coliday.com

Today I’m talking about Medicare rate and Part B deductible changes for 2022. 

 So what does this mean? 

 Part B of Medicare is the 80 percent that Medicare covers for medical purposes, doctors, specialty visits like radiation, chemotherapy, lab tests etc.  It has a premium associated with it. If you are drawing social security and receiving your social security benefit you'll see that's already been deducted. You may be paying out of pocket because you haven't drawn social security yet, which is an out-of-pocket expense usually paid on a quarterly basis.

(WATCH)

 In any given year only 9-11% of people need to change plans, so chances are you won’t need to do anything.

This is also the period during which people on Medicare Advantage Plans can choose to drop their Medicare Advantage Plan to return to Traditional Medicare.

Any plan changes made during this AEP will go into effect on January 1st, 2022.

MEDICARE UPDATE

In 2022 Part B is increasing to $158.50 

Largest increase we've seen in six years

In 2021 that amount was $148.50. in 2022 all estimates are showing it's going to be $158.50 which is the largest increase we've seen in about five or six years. 

 Part b deductible is going from $198 to $203. Those are the estimated numbers and not so much of an increase there. 

If you have a Medicare Advantage plan some plans have zero premium and other plans have a little bit of premium associated with them. Different from a Medicare supplement plan but those are actually going down a little bit. The national average was around $21 to $22 and it's going down to $19 so a little bit of a break there. 

 In most prescription drug plans (PDP) there is a deductible built in that you have to meet before some of the coverage kicks in and in 2021 that number was $435. Now the deductible is going to $445 for 2022. Those are the estimates that I have thus far. 

 As for carrier increases for Medicare supplement plans we're not exactly sure but typically they're 2 to 3 percent and sometimes as high as 4, 5 to six percent. It depends on the economy and what's going on that year and now with Covid it's really hard to say what exactly is going to happen but you can always expect a rate increase. What else is new right? However if you have a Medicare advantage plan and you do have a zero premium plan there is no rate increase. Your max out of pocket expense may be a little bit more or a little bit less depending on the plan and the changes for the next planned period which is 2022 starting January 1st. 

 AEP is the time of year called annual election period from October 15 through December 7th where you can switch, make plan changes or disenroll from a Medicare advantage plan or change your prescription drug plan. If with a Medicare advantage plan, the drug plans are built inside the plan under one umbrella so to speak. If you have a Medicare supplement plan, you typically have a second plan called a prescription drug plan (a pdp) for your drug coverage and this is the time of year during AEP you can change that plan or modify it. I Suggest that you take a look at that and if you have someone who helps you with this make sure you get together with them.

Step 1 of 2: Watch this video ‘Medicare Update 2022 Plan B Rate & Deduction Increases’. Please do this before anything else as the video contains important rate and deduction changes.

Step 2 of 2: Once you've watched the video, call, text or schedule an online appointment for additional information and a free consultation. (949) 216-8459

Thank you for the opportunity to serve you!

I look forward to helping you build a better future. Understanding your many options will help you develop the critical skills you need to succeed.  

With Your Success In Mind,
Craig

Picture with my wife Karyn, Mammoth Lakes, CA

Problems accessing? Click Here.

Craig Colley
CA Lic. #0I48609 | TX Lic. #2231474 | TN Lic. #24395 | FL Lic. # W74383085

Coliday Insurance | Consulting
Email: [email protected]

Cell / Text: (949) 216-8459
Laguna Niguel, CA 92677
www.coliday.com

Your mailbox is full, the TV ads are running and endless Facebook and Instagram ads are posting.

This year, more than ever, so much misinformation is gushing into your life from every vantage point that you might believe everything in the Medicare world is changing. It's NOT!

My #1 goal has always been to give you the TRUTH so you can make confident coverage choices. (Watch 59 Sec.Video) your text here.

(WATCH)

 In any given year only 9-11% of people need to change plans, so chances are you won’t need to do anything.

This is also the period during which people on Medicare Advantage Plans can choose to drop their Medicare Advantage Plan to return to Traditional Medicare.

Any plan changes made during this AEP will go into effect on January 1st, 2023.

MEDICARE UPDATE

Annual Enrollment Period is Approaching

Oct 15th - Dec. 7th

Many people confuse this Medicare Open Enrollment Period as the time they can change their Medicare Supplement or Medigap Plans, too, but Medigap/Medicare Supplement insurance is not subject to this annual "AEP" Enrollment Period.

This video and information below will help you determine what you need to do and how I can help.

Many people confuse this Medicare Open Enrollment Period as the time they can change their Medicare Supplement or Medigap Plans, too, but Medigap/Medicare Supplement insurance is not subject to this annual "AEP" Enrollment Period.

This video and information below will help you determine what you need to do and how I can help.

Step 1 of 2: Watch this video ‘Medicare Update 2023 Annual Enrollment Period’.Please do this before anything else as the video contains important dates and plan options.

Step 2 of 2: Once you've watched the video, call, text or schedule an online appointment for additional information and a free consultation. (949) 216-8459

Thank you for the opportunity to serve you!

I look forward to helping you build a better future. Understanding your many options will help you develop the critical skills you need to succeed.  

With Your Success In Mind,
Craig

Picture with my wife Karyn, Mammoth Lakes, CA

Problems accessing? Click Here.

Craig Colley
CA Lic. #0I48609 | TX Lic. #2231474 | TN Lic. #24395 | FL Lic. # W74383085

Coliday Insurance | Consulting
Email: [email protected]

Cell / Text: (949) 216-8459
Laguna Niguel, CA 92677
www.coliday.com

What to do

Medicare may call you in
some situations but will never

• Threaten you
• Suspend your Medicare Number
• Demand immediate payment from you
• Require payment by cash, gift card, pre-paid debit card, or wire transfer
• Ask for gift card numbers over the phone or to wire or mail cash

Protect yourself, friends, and family!

Social Security may call you in
some situations but will never

What to look out for

Protect yourself, friends, and family!

Partial Article Source: ​¹ https://www.fool.com/retirement/2019/10/03/3-downsides-to-early-retirement.aspx