Medicare penalties can be confusing—and costly. Brad andMike unpack the penalties tied to Medicare Part A, Part B, and Part D, including what triggers them, how they’re calculated, and which ones can follow you for life. They also discuss credible coverage, why prescription drugcoverage is often misunderstood, and how IRMAA can raise your Part B andPart D costs due to a two-year income lookback.

Connect with Brad & Mike:

🌐 Web: ⁠⁠https://bradandmike.com⁠⁠

📅 Schedule a MedicareConsultation:⁠⁠ https://calendly.com/mikesbea/30-minute-medicare-meeting⁠⁠

🎙️ Watch on YouTube: ⁠⁠⁠https://www.youtube.com/@bradandmike/podcasts⁠⁠

In this episode, Brad and Mike dive into the Medicare acronym of the day: SEP (Special Enrollment Period).

Think of an SEP as your “golden ticket” to make changes to your Medicare coverage plan outside of the Annual Enrollment Period. Whether you’re retiring late, moving, losing employer coverage, gaining or losing Medicaid, or impacted by special circumstances, SEPs provide flexibility when life changes happen — there are over 30 different SEP opportunities that may apply.Brad and Mike explain the most common scenarios, why these enrollment windows matter, and how understanding SEP rules can help you avoid costly mistakes.

Tune in for a clear, conversational breakdown of why SEPs matter and how to know if one applies to you.👍 Don’t forget to like, subscribe, and reach out if you think you qualify for an SEP!

Connect with Brad & Mike:

🌐 Web: ⁠https://bradandmike.com⁠

📅 Schedule a Medicare Consultation:⁠ https://calendly.com/mikesbea/30-minute-medicare-meeting⁠

🎙️ Watch on YouTube: ⁠⁠https://www.youtube.com/@bradandmike/podcasts⁠⁠

In Episode 5 of The Brad and Mike Show, we take on one of the most confusing Medicare topics: Medicare Supplement Plans (or Medigap).

We break down what Medicare Supplement Plans cover, what they don’t, and who they actually make sense for. We explain how supplements work alongside Medicare Parts A and B, why Original Medicare typically only covers about 80% of your medical costs, and how a supplement can help reduce out-of-pocket expenses.

We also walk through guaranteed issue periods, underwriting, how rates increase over time, and why Medicare Part D is still an important piece of the puzzle.

This episode is ideal for anyone turning 65, already on Medicare, or reconsidering their current coverage and risk tolerance.

🎙️ Clear explanations. Real-world examples. No sales pressure.

Connect with Brad & Mike:

🌐 Web: https://bradandmike.com

📅 Schedule a Medicare Consultation: https://calendly.com/mikesbea/30-minute-medicare-meeting🎙️ Watch on YouTube: ⁠https://www.youtube.com/@bradandmike/podcasts⁠

Medicare Advantage plans can be simple — if you know what to look for. In Episode 4, Brad and Mike explain how Medicare Advantage works, why Part B premiums never go away, how copays and prescription drug tiers affect your wallet, and what benefits like SilverSneakers actually offer. A must-listen if you’re approaching Medicare or reviewing your current plan.

Turning 65 soon? Retiring before or after 65? Still working and unsure how Medicare fits into the picture?

In Episode 3, Mike and Brad answer the most common Medicare questions they hear every day, and clear up the confusion around enrollment, retirement timing, penalties, and coverage options.

In this episode, we cover:

• When you should apply for Medicare

• What to do if you retire before age 65

• Whether you need Medicare if you’re still working

• Medicare Part A vs. Part B explained

• Penalties for delaying Medicare enrollment

• How Medicare affects your doctors and prescriptions

• What Medicare does and does not cover

There’s a lot of conflicting information online. Our goal is to break Medicare down in plain language so you can make confident, informed decisions about your health coverage.

📞 Have questions or want help reviewing your options?
Call us at (734) 927-0980

🌐 Learn more or schedule a conversation:
www.bradandmike.com

👍 Like, subscribe, and turn on notifications so you don’t miss future episodes.
💬 Have a question you’d like us to answer in an upcoming episode? Leave it in the comments.

In today’s episode, Brad and Mike tackle a common question: What if I’m still working when I hit 65? They explain how employer size, creditable coverage, and your work situation all affect whether you need to enroll in Medicare Part A and Part B.

This episode covers:
• Working past 65 — what changes and what doesn’t
• When Medicare enrollment is required
• What “creditable insurance” means
• How small businesses and self-employed individuals should approach Medicare
• The purpose behind the podcast and what to expect in future episodes

If you’re approaching Medicare age or trying to understand your insurance options, this episode is a must-listen.

💻 Explore plans, compare prices, and quote your own coverage anytime:👉 BradandMike.com📞 Have questions? Want one-on-one help?Call or message us at 734-259-6750 — we’re real people, and we don’t chase you.Just honest guidance.

Welcome to the very first episode of The Brad & Mike Show, powered by SBEA — the Supplemental Benefits Exchange Agency! In this episode, Brad and Mike pull back the curtain on:

✔️ How they got into the insurance industry

✔️ Why they created an agency built on trust, transparency, and no chasing clients

✔️ The evolution of employee benefits from old-school sales to AI-driven enrollment

✔️ What makes their agency different in a world of large call centers and big-box carriers

✔️ Why real conversations still matter — even in the era of online quoting and automation

You’ll hear funny stories, behind-the-scenes moments, career-changing memories, and firsthand experiences from 20+ years of helping individuals, seniors, families, and businesses choose the right benefits…without the pressure.

This episode sets the stage for future shows where Brad and Mike will break down: Health insurance (on and off the Marketplace), Medicare Parts A–D, HSAs, HRAs, FSAs, dental, vision, life, disability & supplemental insurance. How to compare plans, avoid scams, and make smart choices. Real-life scenarios and common mistakes people make with benefits. Whether you're shopping for insurance, aging into Medicare, running a business, or just curious how benefits actually work — this podcast is here to simplify the confusing world of insurance and help you make informed decisions.

💻 Explore plans, compare prices, and quote your own coverage anytime:👉 www.BradandMike.com

📞 Have questions? Want one-on-one help? Call or message us at 734-259-6750 — we’re real people, and we don’t chase you. Just honest guidance. Thanks for joining us for Episode 1 — more helpful conversations coming soon!