Bilhartz Desert Insurance Segment – September 9, 2025

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.
– DISCUSSION of his family. AMEN.
– REPORT that he is a Medicare Specialist and has been for 18 years.
– REPORT that Medicare is a federal program.
– QUESTIONS FROM JOEY PALS.
1. What should/could/can I do about the repeated calls and questions about my Medicare ON TV? (Brian does NOT EVER ANSWER A NUMBER HE DOESN’T RECOGNIZE. Folks leave messages and then he calls back. MEDICARE WILL NEVER CALL YOU. The callers try to “get around the law” by saying “Do you Have Medicare, NOT I’m calling from Medicare.)
– ADMONISHMENT to work w/ a LOCAL AGENT NOT some outsourced person.
– REPORT that Medicaid is particular to individual states.
– 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.
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. REMEMBER HE WILL COME TO YOUR HOME. 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