Bilhartz Desert Insurance Segment – April 8, 2025

8:00 – 9:00 AM

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 he is a Medicare Specialist and has been for 18 years.
– QUESTIONS FROM JOEY PALS.
1. Please ask Brian to define; SS, SSA, SSI, SSDI and are they being cut?) SS = Social Security. SSA = Social Security Account. SSI = Supplemental Security Income. SSDI = Social Security Disability Income. (when it comes to Medicare, after they get SSDI for 24 months they become eligible for Medicare regardless of their age.)
– DISCUSSION that many people are getting notice of the increases in their insurances.
– REPORT on his most recent trip to Washington D.C.
– REPORT that he belongs to the National Association of Benefits and Insurance Professionals. (NABIP)
– DISCUSSION of the changes to MEDICARE PART D – the most utilized component of your Medicare because you take your medications EVERY DAY.
– 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.
– DISCUSSION of the insurance problems in California, due to the actions of the Insurance Commissioner.
– 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