Bilhartz Desert Insurance Segment - March 8, 2026

Listen to Seg 1

12:16

Hour 2 Seg 1 - Bilhartz Desert Insurance Segment

- LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW.

BILHARTZ DESERT INSURANCE w/ Brian Bilhartz. HIS NEW OFFICES; 75-410 Gerald Ford Dr., Ste., 102, Palm Desert, 92211. BRIAN IS A BROKER.

- REPORT on his yearly trip to Washington DC to report and work on specific issues.

- QUESTIONS FROM “JOEY PALS”

1. I’ve had company insurance and now I’ve lost it. What do I do now? (Just because you are working does NOT mean you cannot use your Medicare coverage. Going under YOUR OWN Medicare coverage is usually better and less expensive than what an employer can offer.)

- DISCUSSION of COBRA. Just an extension of the employer’s plan. The employee is paying the premium, but the plan and benefit is the same.

2. How do I find out if I qualify for Medicare or Medical? (Medicare is age related. Medical is strictly income based. Has been income and asset-based as well. Biggest changes on asset side.)

3. What changes in CA. rules should I worry about? (CA. raised the income levels and this made it easier on the State. CA. completely illuminated the asset test. Added 150,000 folks to Medical.)

- REPORT that Part D plans premiums are going up.

- REPORT that the annual election period WAS OVER Dec., 7. Challenge is there are plans that are terminating. You’ll get notices in the mail if yours is cancelled. 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 your FLEX card and that there are different types. Going up to $99./month in 2026.

- 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. He studies in July, Aug., and Sept. each year for the changes coming up.

- ANNOUNCEMENT that now there is a PERSON JUST TO RESPOND TO CALLS/TEXTS. Ashley is @ (760) 848-7171.

- (contact info; www.bilhartzinsurance.com and (760) 848-7171).

Brian