Bilhartz Desert Insurance Segment – December 10, 2024

3:00 – 4:00 PM

Seg 3 – Bilhartz Desert Insurance Segment

LISTEN TO THE COMPLETE SHOW FOR DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW.

BILHARTZ DESERT INSURANCE w/ Brian Bilhartz. 41865 Boardwalk; Ste., 108, Palm Dessert. 92211.
– REPORT that as of today, DEC., 10, the Dec., 7 Open-Enrollment deadline has passed.
– DISCUSSION of the changes to MEDICARE PART D – the most utilized component of your Medicare because you take your medications EVERY DAY.
– DISCUSSION of his yearly trip to Washington D.C. to discuss the changes needed.
– REPORT on Medicare Advantage. You have another enrollment opportunity in which to make changes from Jan.,1 to March 31. This “window” is meant to protect Seniors.
– DISCUSSION of how to handle ALL THE PHONE CALLS about Medicare.
– REPORT on the big changes for Medicare Part D coming in 2025, especially in the “donut hole”. Possible limit of $2,000. for out-of-pocket costs. Affects the formulary going forward. 33% of personal costs will go up to 50% next year.
– REPORT on Medicare Part D. For drugs. Most Medicare Advantage Plans have this. Medicare is going to put a cap in 2025 on the out-of-pocket maximum of $2000. for Part D. GREAT.
REPORT on Change to Medicare Part D, which is your prescription drugs. You can get this one of 2 ways;
a. GOOD NEWS; Putting an “out of pocket” maximum on Part D. $2,000. Max. This will automatically change, established by CMS (Centers for Medicare and Medicaid Services).
b. Part of Medicare Advantage.
– REPORT that all costs WILL INCREASE for most other folks. Watch the changes in drug costs, deductibles and co-payments.
– REPORT that is BAD NEWS is that there will be shrinking Formularies. (the list of medications that Medicare covers)
– REPORT that Brian will serve his clients in their home, in his office, on the phone. He has all the special classification to do all of this. The rules are different in other states.
– (contact info; www.bilhartzinsurance.com and (760) 459-9617).

Brian