Emil Beheshti / Medicare Broker - a division of Simpler Horizons

07/30/2025

This will affect many seniors on a United Healthcare Medicare Advantage PPO plan in 2026.

UnitedHealthcare will exit some Medicare Advantage plans that collectively cover 600,000 people.

07/23/2025

Some summer updates and thoughts on Medicare in 2026. Part D max and deductible, Med Supplement price increases, PPOs, Part B givebacks and what they are. (This is not short. Be careful. 🙂 Have a good week.

03/29/2025

Success story! I NEVER advocate for one Medicare strategy or carrier plan choice over another however I will always present what I feel is most appropriate based on a conversation with a client. Thanks to a referral from another existing client on a Medicare Advantage PPO, I was introduced to a new 76 year old client who had been on an expensive Medicare Supplement(approx $300 monthly) and Part D($94 monthly ) - both annually rising in price - since she was 65. When we spoke more about the Medicare Advantage PPO option and its affordability I discovered she only sees ONE doctor, takes ONE prescription drug, is in very good health, likes her immediate area for healthcare and was frugal(even though she has very ample means).
At the time of turning 65 she was ONLY introduced to a Medicare Supplement and Part D plan and while there were not yet many, if any, Medicare Advantage PPO plans in the marketplace, she did not have someone to advise her annually or advocate in her best interests.
After our consultation we discovered the $11/month PPO option was a wonderful fit for her and her needs. The high MOOP(max out of pocket), if ever needed, would be offset by the savings of premiums in year one and beyond. Going forward she may be saving up to almost $4,596 every year when major expenses are not needed.
Find your fit.

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03/25/2025

Hi friends - just a little update on Medicare stuff.
Here’s a video I made talking about some reminders - https://vimeo.com/1068475212 - and a book I read recently and loved. Have a great week.

This is "Medicare Minute(s)-ish March 22 2025" by Emil Beheshti on Vimeo, the home for high quality videos and the people who love them.

01/04/2025

https://www.cnbc.com/2025/01/04/social-security-and-medicare-in-2025-here-are-the-changes-to-expect-.html

Millions of beneficiaries can expect enhanced Social Security benefits and new limits to Medicare prescription drug costs in 2025.

09/23/2024

09/23/2024

A video I made speaking about a few changes being made to Part D - your prescription drugs - in 2025.

This is "Medicare 2025 changes" by Emil Beheshti on Vimeo, the home for high quality videos and the people who love them.

09/10/2024

Every day is su***de awareness not just the month of September. Teens and adults - if you're struggling just speak out, let it be known. Blurt it out. Ask for help. It's okay. Anyone will listen. Don't hold it inside and know you are not alone.

Here are five things you should know about su***de this National Su***de Prevention Month — regarding stigmatizing language, warning signs, myths and more.

08/08/2024

Hi everyone --

I hope this note finds you enjoying yourself this summer either with travel, good food, drink, or catching some of the Olympics. For those of us in Los Angeles County it's just four more years until it's our turn.

A few things I wanted to share with you:

*My Medicare 101 events(see recent photo below) have been very successful and I am very pleased with all of the new acquaintances and clients I have made. I cannot stress the value of these events and they help demystify a lot of the Medicare process when turning 65 or leaving your employer coverage. Please reach out to me if your 65th birthday is coming up, need a brush-up, or if you would like a 1-on-1 presentation either over the phone or in person. Or, if you have a friend or family member in need please have them reach me. As of today, I am licensed in CA, NY, FL, OH, AZ, MI, and NC. And, I can add a license in any state for a new client.

*changes are coming down the road for prescription drugs which in turn may affect other components of Medicare. Due to the Inflation Reduction Act(IRA) in 2025, we will see the elimination of the coverage gap(aka donut hole), no co-pays or co-insurance in the catastrophic phase and most importantly the maximum out-of-pocket (moop) cost a beneficiary will pay for prescription drugs is $2000(currently it's about $3300 for 2024). This is beneficial if you take very expensive drugs. If you take low-cost tier 1 or tier 2 drugs this does not apply to you. However, since the carriers will absorb more of the financial burden for these expensive drugs we might see increases in stand-alone drug plan premiums and possibly higher co-pays in lower tiers to offset the low "moop." More details will be revealed when the ANOC(annual notice of changes) is sent out for 2025. We are all waiting to see how this plays out.

If you desire to make changes down the road we can cross that bridge when the new plans for 2025 reveal themself on October 1st.

*If you're turning 65 soon - remember to apply for Medicare through the SSA when you are ready for it on time to avoid delays or mistakes made out of our control. And especially to avoid Part B and Part D penalties. Penalties stick with us for life.

*Use your over-the-counter benefits. Most rollover from quarter to quarter but not past December 31st. Take advantage of the benefit!

*Do not speak to any strangers who call without your permission about your Medicare needs. Do not give out your Medicare number unless you are making an application.

*If you require a dental plan because you are not getting enough benefits with your current plan or don't have one at all feel free to take a look at Ameritas - https://myplan.ameritas.com/gpm/id/010X1392. You can view and enroll all on your own and the plan becomes effective a couple of days after the application is approved. Many of my Medicare Supplement clients like this option.

On a personal note - our family had a brief trip back East to see family for our summer vacation and we now have two high schoolers in our household - Kate(11th) and Lucy(9th). Time is flying. How do we make it stop? Attached is a recent picture of us all cleaned up at our nephew's wedding.

My business runs on referrals so if you're happy with our work together please mention me to friends, family, or doctors. I manage referrals with good care and respect.

Enjoy the rest of the summer and I will be in touch again soon. I am thankful to have this opportunity to work in the senior markets and hopefully make a difference in your experience.

--Emil

05/01/2024

https://www.youtube.com/watch?v=MEC2Nq7Z6lc

Professor and author Scott Galloway joins Morning Joe to discuss his new book 'The Algebra of Wealth: A Simple Formula for Financial Security'.» Subscribe to...

04/30/2024

The new use of Wegovy is targeted to people with established cardiovascular disease – meaning a prior heart attack, prior stroke, or peripheral arterial disease – and either obesity or overweight.

The FDA recently approved a new use for Wegovy, the blockbuster anti-obesity drug, to reduce the risk of heart attacks and stroke in people with cardiovascular disease who are overweight or obese - a decision that opens the door to Medicare coverage of Wegovy, which is prohibited by law from coverin...

04/22/2024

Had two wonderful turnouts to my Medicare 101 events at Black Bear Diner on 3/6 and 4/17. Great to make new clients and friends. 🙏🏻🙏🏻