Bilhartz Desert Insurance Segment – October 14, 2025

Seg 1 – Bilhartz Desert Insurance Segment

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

BILHARTZ DESERT INSURANCE w/ Brian Bilhartz. HIS NEW OFFICES; 75-410 Gerald Ford Dr., Ste., 102, Palm Dessert. 92211.
– REPORT that Medicare is a federal program.
– QUESTIONS FROM JOEY PALS.
1. What can you tell us about the Affordable Care Act? (Also called Covered CA., He hopes the subsidy will be renewed. Not his real area of expertise.)
2. What part will AI play in healthcare? (AI is just a tool.)
– REPORT that Medicaid is particular to individual states. He wants his team to be up to date with all plans.
– REPORT that the annual election period is Oct., 15 to Dec., 7. Challenge is there are plans that are terminating. You’ll get notices in the mail if yours is being canceled. Plans are being changed left and right. REVIEW YOUR PLANS.
– 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 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.
– ANNOUNCEMENT that now there is a PERSON JUST TO RESPOND TO CALLS. (760) 848-7171.
– (contact info; www.bilhartzinsurance.com and (760) 848-7171).

Brian in his Halloween Jacket!!!