Sept. 8, 2026

Medicare 2027 & AEP Ready: Insider Strategies for Clients & Agents with Christian & Glen

Show Notes
Transcript

Season 2, Episode 6 of MedicareHour & More with Peter welcomes back Christian Brindle and Glen Shelton of Everything Senior Insurance & Lead Heroes. Peter and the team break down Medicare 2027, AEP preparation, industry trends, and strategies for beneficiaries and agents. Get practical tips to prepare, stay organized, serve clients, and navigate the busiest Medicare season with confidence. Stay informed. Stay ready. We Medi CARE!

MedicareHour & More With Peter! is broadcast live Tuesdays at 9AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). MedicareHour & More With Peter! TV Show is viewed on Talk 4 TV (www.talk4tv.com).

MedicareHour & More With Peter! Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

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WEBVTT

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We'll be right back. Attention individuals, families, and caregivers. It's

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Medicare Hour and more with Peter right here on K4HD Radio.

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This is the podcast for all types of insurance solutions

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while specializing in Medicare because we Medicare. Here's your host,

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Peter R.

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Joseph.

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Good morning, good morning, good morning. I'm so glad to

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see you all. It's always hard.

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I was just talking to my engineer. It's always hard

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getting back after a three-day weekend. Hope you guys had

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a lovely Labor Day weekend. We actually got some much-needed

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rain out here in California. We had a hurricane off

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the coast, so.

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Some rain, and my wife and I actually went to

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a Dodger game on Sunday and got rained on a

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little bit, but it was nice.

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It was really nice.

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It was a great, great game, and excited that we

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were able to spend a few days off away from work. Anyways,

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we are glad you're here this morning. We've got a

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great show for you.

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We don't know if both.

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Christian and Glenn are going to be both on the show,

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but one of them will definitely be on the show

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this morning. They are sponsors of ours. We are so

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thankful for them. We wouldn't be here today without them.

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They are co-owners of everything senior insurance and lead heroes.

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We'll learn a little bit more about them and kind

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of what's going on with Medicare. We've got open enrollment.

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Oh my goodness, it's like three and a half weeks away.

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I can't believe it. So we'll kind of hone in

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on that and talk about strategies for agents and then

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things for beneficiaries to look out for. Anyways, we are

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live on quite a few places, K4HD radio. You can

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download K4HD on your smartphones, k4hd. com. You can also see

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us on our Facebook business page, Joseph Insurance Broker LLC,

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as well as our YouTube channel at Medicare Minute with Peter.

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My phone number is right there. We've had audiences in

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the past text me questions in real time. We will

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answer them in real time. So if you have any

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pressing questions during our broadcast, Please text me at 909-217-2630,

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and I will definitely get back to you. So a

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few things are happening this fall. If you've heard in

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the news, Costco and Medicare. Costco probably sells everything under

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the sun. And of course, I'm not surprised that they're

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getting into the Medicare space again. Now, they're not really

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selling Medicare under their umbrella. They are actually kind of sponsoring,

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putting their stamp, their company on a Medicare plan with scan.

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It's been out in the news. But let's see this

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commercial to kind of give us a preview of what's

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going on.

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On August 18th, it was announced that SCAN Health Plan

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and Costco Wholesale had entered into a strategic partnership, the

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first comprehensive partnership Costco has ever gone into with a

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Medicare health plan. What does it mean for SCAN benefits

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and members? What does it mean for agents that might

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be representing these plans? And what does it mean as

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a whole? In this video, I'm gonna break down all

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of the details. Now let's get a couple of things

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straight right off the bat. Costco is not becoming an insurer.

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ScanHealthPlan will underwrite all of these plans and administer all

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of the insurance benefits. Costco's name simply will appear on

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the plan names to signal the value and brand trust

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that they're providing to Scamp. This is looked at very

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similarly to the AARP UnitedHealthcare partnership, to where AARP actually

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does not provide any insurance benefits, but they act more

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so as a sponsor that brands onto all of UnitedHealthcare

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Medicare products, or the vast majority of them anyway, on

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the Medicare supplement side and the Medicare Advantage side, such

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as WillBeTrue.com. on the Costco and Scan partnership. The thought

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process here is that millions of Americans recognize and trust

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the brand of Costco. So this brings social proof to

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the Scan Medicare plans that they previously may not have

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been able to have on their own, just like how AARP,

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people that like AARP, gravitate towards UnitedHealthcare plans because they're

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endorsed by AARP. Now in AARP's case, sometimes it works

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the other way because AARP over the years has become

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such a politicized organization that depending on which side of

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the aisle somebody falls politically, it could help or hurt

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the actual positive or negative recognition of that brand partnership.

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But if you look at the success.

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That UnitedHealthcare has been able to have broadly, I don't

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think you can call it anything other than a big

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success for them.

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All right. So.

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And Christian is going to be on later today to

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explain a little bit more about Costco and their Medicare

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plans and how that's going to look like. Obviously, like

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we had said, Costco is just putting their marketing brand

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on there. Scan is the one that's underwriting all the

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insurance plans for them. And if you don't know, Scan

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is a Medicare Advantage plan. It's huge out here in California.

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They are out in quite a few other states like

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the state of Washington, New Mexico, Texas, Arizona, and Nevada.

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So they are expanding. They were based out here in

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Long Beach long ago in the 70s, and now they're expanding.

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They're one of the great, great Medicare insurance companies out there.

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And so they're doing this new endeavor with Costco this year.

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And like Christian had mentioned in his video, AARP is

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one of the brands that we do sell quite a bit.

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And they are actually.

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Part of UnitedHealthcare in terms of backing the AARP brand.

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So they, of course, are not the insurance company. UnitedHealthcare is.

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But again, they've put their stamp on the product. So

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we're seeing that happen now with Costco. Like I said,

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I'm not surprised. Costco gets their hands in everything. It

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seems like, um, they've got travel plans. They've got, uh,

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car tires. They've got, I mean, everything you could think of.

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So, uh, definitely.

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And they're in the insurance game as well with, um,

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auto and home insurance. So anyways, we'll hear a little

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bit more about that later on. But the most important

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thing that's happening, like I said, we are about four

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weeks away from open enrollment with Medicare. A lot of

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you this month are getting what's called annual notices of change.

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What that means is that your plan is either leaving

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the market, which I hope to God it's not, but

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if it is, we've got a plan in place and

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experts like myself can help you through that journey.

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Or your benefits are changing.

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They're either getting more or less, and most likely they

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are getting cut for next year. And so you want

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to make sure that you're on the proper plan. This

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is your opportunity to change plans if you need to.

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So we're going to see this next commercial to kind

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of give us an idea about that.

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We all know that Medicare plans can change from year

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to year. Benefits can increase or decrease. Premiums and co-pays

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often increase. It's common and even expected for Part D plans, formularies,

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and out-of-pocket prescription costs to change. But what happens when

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the Medicare plan that you've been using for a couple

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of years or maybe even several years decides to pull

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that plan completely off the market, meaning it's been terminated

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and no longer available for you to use next year? Now,

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the doctors you see are the same. Your hospital choices

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are the same. The medications you take didn't change. But nevertheless,

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you receive a letter from your insurance company stating that

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your Medicare plan will no longer be available beginning January

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the 1st. It's expected that millions of people will receive

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that devastating news for 2027. In this video, I will

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explain why this is happening to so many people right now,

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and if by chance you receive such a notice from

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your insurance company this year, what you can do about it.

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We know that in 2026, almost 3 million people lost

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their plans. We don't know for sure exactly how many

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millions are going to lose in 2027, but we know

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it's going to happen. So let's go through some of

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the details and talk about how people are being forced out.

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First of all, I think it's very clear to understand this.

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Medicare is not disappearing. Okay, it's not going away. So

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please don't fear that. But your plan might be going

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away eventually. in 2027. Okay, so that is a fact. Now,

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let's talk about Medicare A and B. This is, of course,

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the system began in 1965. And so when you enroll

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in A and B, you have lifetime benefits, okay? All

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you have to do, of course, is pay your Part

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B premium, and you'll forever have your Medicare A and B,

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and of course, you pass away.

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So it truly is lifetime.

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All right, now when it comes to Medigap plans, which

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about 40, 45% of all people have, then that also

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is lifetime.

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Lifetime coverage.

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So if you have a G plan or an F

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plan or an N plan, that coverage is going to

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be the same. Now the premiums can change, but the

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coverage cannot.

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All right.

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So it truly is lifetime. Again, what are you responsible

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to do? Whatever that premium is, you have to pay that.

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All right.

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So you could see that, you know, these annual notices

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have changed, especially, you know, for a lot of years,

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people tend to kind of gloss over them, throw them

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away in the you know, concern themselves with it this year.

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It's really important that if you get one of those

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notices from your insurance carrier, you definitely want to pay attention. Uh,

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there is going to be disruption this year. You know, obviously,

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you know, the rule of thumb is us as agents,

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our brokers can't talk to you until October 1st, specifically

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about the benefits for next year or what plans are

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actually leaving, but we are getting word, um, You know,

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we're doing the research and we're seeing plans left and

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right that are going to be potentially leaving the market,

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which is going to impact you guys. And so we

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want to make sure that you are taken care of,

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that you, you know, obviously we reach out to you guys.

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But if you don't hear from us, you know, reach

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back out to us. If you especially get that annual

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notice of change where your plan is leaving us, you

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don't want to be stuck with no plan for next year.

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We want to make sure you get on the right plan.

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There will be options for you.

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For example, if you're ever on a Medicare Advantage plan

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and it leaves the market, you're actually able to go

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on to a Medicare supplement guaranteed issue because of that.

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Transition.

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And if you budget-wise can't afford that, then there's obviously

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other options for you on the Medicare Advantage sphere. So

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You're not helpless. There are solutions for you, and we

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will figure out those solutions together. But again, do not

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ignore those notices. It's really, really important. I'm excited, too,

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because we are doing a Medicare 101 seminar tonight for

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those turning 65 here in Chino and Chino Hills. We're

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going to be at the Holiday Inn lobby right off Pomona-Racone,

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off the 71 freeway. And we're excited about that. not

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only having a free meal and breaking bread with people

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that come, but also just teaching them the ins and

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outs about Medicare, how to sign up, what to look for,

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what journeys there are in terms of Medicare Advantage and

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Medicare Supplement, how to sign up with Social Security, whether

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you need to sign up if you're if you've got

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a health insurance plan with your employer, all those scenarios

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are going to be talked about in our educational seminar tonight.

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So I'm excited about that.

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We're going to actually do this on a regular basis.

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We've done it in the past and we're hoping to

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do quite a few during open enrollment this fall. So

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definitely if you live close by by Chino and Chino Hills,

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look on Facebook for our ads and RSVP, we'd love

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to see you there. But again, again, Medicare can be

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very confusing, and so we're going to take this funny

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look at John Oliver's clip on what Medicare Advantage looks like. Now,

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don't look at the commercial as a gag.

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It's definitely not real, but enjoy this clip. And I'm

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Joe Namath.

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If you're on Medicare, this is important information.

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Hi, William Shatner here with a new message about Medicare benefits.

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Hi, I'm Jimmy J.J.

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Walker.

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If you're on Medicare, listen to this.

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I'm Meredith Vieira.

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What's complicated and confusing that many people over 65 deal

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with each year?

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Medicare.

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Okay, this isn't the point, but the question, what's complicated

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and confusing that people over 65 deal with each year

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is just too broad, given that the answer is everything.

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Everything confuses them.

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Have you ever seen.

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Al, did you make the call?

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What call?

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The Feldman said we may be able to get additional

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benefits with Medicare Advantage right here.

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In our own zip code. Our zip code? Yeah, the

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zip code we live in.

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It covers the 8.6 square miles of our neighborhood.

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Yeah, I know what a zip code is.

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But honey, we already have Medicare, so we don't need

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to call anyone.

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Al, do you listen? I said Medicare Advantage.

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It has all the letters of the word Medicare, but

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none of the actual Medicare.

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Wait a minute.

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It's not regular Medicare?

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No, that's why we need to call. The Feldman said

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their Medicare Advantage plan has dirt cheap premiums.

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Did you say dirt cheap? Yes, Al, of course I did.

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What is wrong with you today?

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With Medicare Advantage, you'll get free membership, a grocery allowance,

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and a nurse will come to our house.

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For a threesome?

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Oh, you'd love that, wouldn't you, Al? No, not for

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a threesome. The nurse will come to our house so

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that she or.

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He can diagnose us with a bunch of diseases that

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we don't have and that our doctors don't even know

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anything about.

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But what about conditions I actually have, like my diabetes?

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Not only will they cover it, but I will suddenly

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have diabetes, too.

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Why?

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Because it's romantic, Al.

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Kiss me.

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Hold on.

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What?

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Do we at least get to keep our doctors?

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Well, we get to choose from a list of doctors,

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but they're mostly just grocery stores, local middle schools, a JCPenney,

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and an abandoned Chuck E.

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Cheese.

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Did you say Chuck E.

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Cheese?

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And if you find a doctor that's covered well, you'd

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better hope that the building that he or she works

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in is too. Otherwise, you might be getting your prostate

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checked out in the parking lot and not in the

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front way.

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This is starting to sound like a bad idea.

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No! No!

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It isn't!

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I want a Medicare Advantage Plan L. Plus, the premiums

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are so low. Just think of all the money we

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could save. Sure, the care might be worse, but that's okay,

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because we're not sick right now.

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In this very moment.

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But what if we get sick later?

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Well, then we're fucked, Al. But that's a later problem.

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Right now, we're active.

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You golf, and I play pickleball with Paul Feldman twice

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a week.

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I didn't know you played pickleball with Paul Feldman.

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Oh, yeah.

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I've been playing with Paul for years. He is great.

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In fact, I think I'm in love with him.

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Wait, did you.

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Did you say you're in love with him?

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Yes, Al.

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He fucks like a Toyota and loves like a Subaru. Now, please,

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call the number and get.

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Us a doctor so that he can treat our herpes.

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Herpes?

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Is that one of these fake diagnoses?

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No, Al.

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We both have herpes now.

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Don't call this or any other number on your screen.

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Medicare Advantage is not traditional Medicare. It's administered by private insurance.

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Your doctor may or may not be covered. And if

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you or your wife is playing pickleball with Paul Feldman,

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seek medical attention immediately because you have herpes now. Paul

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Feldman gave you both herpes.

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Oh, I love that clip.

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Anyways, yes, you guys have probably seen all these commercials,

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especially around this time of year. Thank God that Joe

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Namath commercial does not show up anymore. Um, but that

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used to be prevalent. Same with William Shatner, um, Mary Vera,

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you saw that commercial and they all skewed you.

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Guys the wrong way.

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You know, obviously, um, if you guys don't know, you know,

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benefits are different for different counties, different states. They don't

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apply to everyone. You know, there are special needs plans.

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There's chronic special needs plans. There's just regular Medicare Advantage.

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There's Medicare Supplement. Not everyone's going to get all those

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benefits that people talk about. And yet, They do this broad,

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you know, announcement and then everyone calls in and they

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end up changing your plan without you really even agreeing

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to it. You think you know what's going on, but

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you don't. And then I get a call later from

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my client saying, oh my gosh, I can't believe my

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plan changed. I don't know what I did. You know,

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someone called me to just give me more information. I

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just wanted more benefits.

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I didn't want to change my plan. And so they

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get into that rut.

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And so it's really important, you know, you see these

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commercials don't call those numbers honestly you want to get

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00:18:45.799 --> 00:18:49.240
with an expert either like myself or um someone else

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00:18:49.309 --> 00:18:53.809
that's um well versed in medicare space um whether it's

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00:18:53.849 --> 00:18:56.990
like christian brindle glenn shelton those people coming on um

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00:18:58.069 --> 00:19:01.470
people we've had on our past shows uh you know

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um Elena Schofield, Medicare Misty, those kind of folks who

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really know the ins and outs of Medicare who are

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going to steer you in the right direction and not

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going to give you wrong information like these commercials do.

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I hope you enjoyed that little comedy piece, though.

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It is a hoot.

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It's almost like these commercials are nuts. They throw everything

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at you. in the kitchen sink and they promise you

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the world and then you figure out you can't really

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get these benefits because you don't live in that certain

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state or you don't have a certain qualifying condition like

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diabetes or heart condition that allows you to get those benefits.

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And so, again, be cautious out there. You want to

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make sure that you're getting on the right plan, that

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it's really providing for you for your doctor networks that

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you want, that it's providing coverage for your prescriptions that

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you have, that you're taking, all those things we.

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Walk you through.

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So Like I said, though, there are a couple avenues,

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and we've shared this before in previous shows, where there

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is an avenue of taking a Medicare supplement option or

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there's an avenue of taking a Medicare Advantage. So I'm

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going to share my screen real quick and see if

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I can grab this. So I'm going to show us

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kind of the difference between Medicare and Advantage and then Medicare.

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Supplement. So while that file is loading, there we go.

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Perfect.

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So your Medicare decision guide, we've already shared kind of

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this PowerPoint on our show before. But as you can see,

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one of the most important things, first of all, is

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to show that Medicare does not cover a lot of

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these things. Dental care, routine vision, eyewear, hearing aids, prescription drugs,

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00:21:11.839 --> 00:21:15.000
care outside the U.S., long-term care, fitness.

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Custodial care. And this is if you have.

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Original Medicare when you turn 65. So that's why people

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00:21:20.920 --> 00:21:24.000
get onto either Medicare Advantage, which could include some of

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these benefits, or a Medicare Supplement. So path one, you've

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00:21:32.579 --> 00:21:35.519
got the Medigap or the Medicare supplement and a Part D.

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And for people who want a freedom to see any

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Medicare accepting provider nationwide, no or low cost when you

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receive services, coverage that travels, obviously travels with you across

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the United States, predictable monthly premium payments. Again, you know,

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Medicare supplements do go up rate-wise the older you get,

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but but they are locked in every year. And then

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path two is Medicare Advantage Part C. So again, original

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Medicare 2027 & AEP Ready: Insider Strategies for Clients & Agents with Christian & Glen

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