Category: Medicare
Humana & Baptist = Continuity of Care Form
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Concerning Baptist Physicians Group & Humana
Well, I waited until this morning as I was still hoping that cooler heads would prevail.
They did not.
Effective immediately Humana insurance is not longer taken with Baptist Health Medical Group. Baptist Hospitals all over the state will continue to take it but the Baptist Health Medical Group has pulled out of Humana effective 9/22. This means that you will not be able to use your insurance with any Baptist physican’s office that I know of. Call me at 859.800.7774 for questions.
It is not place to editorialize or to point the finger and lay blame so let me just say that this is a problem between two monster egos who want more money. Honestly I am disgusted with everyone involved. I will say that it is a travesty that Baptist Physician’s Group would do this in the middle of a plan year, when beneficiaries have no way to change their plans. Medicare should financially penalize them with a daily fine that exceeds the amount of money they are extorting from Humana for such a stunt. But, that is just my opinion.
Here is the reality.
FOR MOST OF US… WE ARE STUCK. WE CANNOT CHANGE OUR PLANS UNTIL OPEN ENROLLMENT (for an effective date of January 1st). However, if you are on Medicaid, have LIS or a Medicare Savings Plan, we can change you BUT, We have to change you prior to Otober 1st. We have 1 week. For the rest of us though, we cannot change our plans.
For those that are not able to change their plans, I am happy to say there is a another solution.
Continuity of Care FORM
We did however learn today that if you have certain illnesses, you may be able to keep seeing your physicans for another 90 days, or until December 22nd. So, that helps a lot, for most of us. It will take some work.
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https://toddoldfield.com/wp-content/uploads/2023/09/humana-continuity-care-form.pdf
You need to print one of the forms above for each Baptist physician you see. Open it. Print it.
- Fill it out
- Take it to your doctor TODAY.
- Have your doctor complete the document. Sign it and fax or email.
This is the only way you will be able to see your doctors between now and the end of the year. Your doctors should fax this in for you.
If you suffer from any of the illnesses below, then you may be able to keep your Baptist physicians despite Baptist falling out of network.
__ Diabetes ___ Lupus ___ Multiple Sclerosis ___ Myasthenia Gravis
___ Cystic Fibrosis ___ Hemophilia ___ Cancer ___ Dermatomyositis
___ Congestive Heart Failure ___Asthma ___ Coronary Artery Disease ___ Amyotrophic Lateral Sclerosis (ALS) ___ Kidney Disease
___ Chronic Inflammatory Demyelinating Polyradiculoneurophathy (CIPD)
humana-continuity-care-form <<<<CLICK HERE
If you have any of these, you may be able to keep your doctors.
Todd
2023 ANNUAL MEDICARE CLIENT LETTER
A SEPARATE LETTER WILL BE OUT FOR KYNECT CLIENTS IN OCTOBER, SINCE THIER OPEN ENROLLMENT IS NOT UNTIL NOVEMBER 1ST.
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MICHAEL TODD OLDFIELD Your Cool Financial NINJA! 859.800.7774, option 1 then option 1 |
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September 15, 2023
TO ALL MEDICARE CLIENTS
FROM MICHAEL TODD OLDFIELD
I would like to say thank you to each and every one of you for your trust, your business, your friendship, and your REFERRALS! My business has grown nearly 50% since this time last year.
If you are new to this, an annual review of your Medicare or Kynect plan is necessary during your Annual Election Period (“AEP”). Why is the “open enrollment” or AEP season so important?
Well, this is the time of the year that each of you get to see NEXT year’s health insurance plans and make your selection as to which plan you believe will serve you best. In Medicare, the right plan should of course cover which doctors you wish to see, which meds you need to take, and then and only then, what “free stuff” the insurer is offering. Never make a healthcare plan choice based upon the “free stuff”. The television commercials like to sell the idea that you “should not miss out on everything you are entitled to”. That is horse snot. Good healthcare, your doctors being covered and getting your drugs as cheap as possible; that is what matters. Do not let television commercials confuse you. Their purpose is to scare you into thinking you are missing something.
PRE-ANNUAL ELECTION BEGINS OCTOBER 1st FOR MEDICARE BENEFICIARIES (NOVEMBER 1 FOR KYNECT CLIENTS)
Just about the time you receive this letter, Medicare clients will be receiving a text message with a link to go to, to schedule their appointment to talk to me this year (Kynect clients will be next month). Do not “Dawdle” as I have almost four hundred Medicare clients to see in the month of October. It is much better to be one of the first to schedule than one of the last… It takes less than 2 minutes. This coming text message should happen by this weekend.
Step 1 for Medicare Clients – Immediately Schedule Your Annual Review
To schedule your appointment, you simply click https://toddoldfield.com/booktodd/ pick a day and time to meet that is convenient to you; and answer some questions. That’s it. You are then scheduled.
Kynect/Medicaid clients will schedule next month.
If we cannot reach you by text message, do not worry. Regina will call those that do not get their appointment scheduled this way. She never let’s anyone slip through the crack.
Step 2 is About Saving My Contact Information in Your Phone
From your phone, please click www.popltodd.com in your browser and visit my digital business card on Popl.co. There you click the green “Save Contact” button. Follow your phone’s instructions, and save my contact information to your phone, along with my picture. Even if you have done this previously, please do it again. Some of my contact information seems to change every year. The benefit to doing this is you will see my picture pop up when Regina or I call you.
Step 3 is Leave Me a Testimonial (if You Like)
You can do this or not. It’s up to you. I would appreciate your feedback on the work I do and on my processes. Simply drop by www.toddoldfield.com/addmine and tell me what I did for you that helped you. I need that feedback. While you are there be sure to read some of more than 100 other testimonials that have been sent in.
IMPORTANT: ANNUAL ENROLLMENT NEWS!!!
I am very happy to report that I have added SEVERAL NEW companies above into various places in my life. These include many long standing relationships as well such as;
- Allstate has a really nice Medicare Supplement plan with good rates and offers discounts if you wear a Fitbit or other tracker.
- Essence Healthcare has been a five-star Medicare Advantage plan. It might be this year. We do not know yet.
- Ameritas has a nice dental and vision plan.
- Molina and UnitedHealthOne offer great products for the under-65 Kentucky clients.
- Cigna is now allowing agents to write their drug plans.
- UnitedHealthcare has been a national leader for a long time. I am still not very fond of their Medicare Supplement rates, but their Medicare Advantage products have improved every year.
And, of course, Humana, Anthem, Wellcare, Aetna, Cigna, and Mutual of Omaha (and others) will be returning. So, we have to factor all these new companies into our decisions this year. No matter who you chose, I have them covered. We need to look at ALL companies and ALL plans and offerings and compare ALL our choices.
Let’s now talk a bit about the changes in Medicare Marketing Guidelines; the “Disclaimer”, “Scope of Appointment”, and “call recording” requirements.
MEDICARE DISCLAIMER GUIDELINES (KYNECT/Medicaid can ignore)
CMS (CMS is the governing body over Medicare) has changed the marketing rules on us. Now any conversation that discusses Medicare plan choices must begin with…
“We do not offer every plan in your area. Any information we provide is limited to the ten insurers we do represent (which includes Aetna, Allstate, Anthem, Cigna, Essence Healthcare, Humana, Mutual of Omaha, CVS/Silverscript, Wellcare, and UnitedHealthcare) and their more than 60 plans they do offer in Kentucky. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance program to get information on ALL your options.”
Argh. I literally represent every option there is. I leave no one out. Again, check the list above. The irony is only licensed, honest, hardworking agents follow the rules. We are not allowed to call Medicare beneficiaries that are strangers and ask them to do business with us. It is just simply not done. If someone calls you, hang up the phone. They are not licensed. Trust me or another licensed professional.
So, to be in compliance with Medicare guidelines this year, it means you will have to call me for our appointment. I can no longer call you. You have to call me and listen to the above greeting. Regina will remind you the morning of your appointment. She will tell you how to call in. Please do not be late!!!
MEDICARE SCOPE OF APPOINTMENT (“SOA”) GUIDELINES
CMS is also beefing up their SOA rules. For many years we have had SOA’s to deal with. You have done a SOA with me before.
If you think back when I signed you up for either a Medicare Advantage plan or a PDP, the first document you signed was a “Scope of Appointment”. That was where I said “this outlines what we will be discussing” and then I told you we have to keep these documents for 10 years. Yuck. But, it is true. I have 100’s or 1000’s of them dating back 10 years.
Well, this year CMS is really cracking down on SOAs. In theory, if I cannot produce an SOA on any appointment I had with any Medicare client, that was not completed at least 48 hours prior to our appointment I am dead meat. LOL. Maybe even lose my license. So, for sure Regina will be texting a SOA and following up on them for each Medicare client. If you cannot do the internet, Regina will mail you one. But, we MUST have it back 48 hours before your scheduled appointment or we will have to cancel.
CALL RECORDINGS
LASTLY, MEDICARE REQUIRES ALL CALLS TO BE RECORDED WHEN DISCUSSING MEDICARE PRODUCTS SO YOU MUST CALL ME FOR OUR APPOINTMENT AT
1-859-800-7774, CHOOSE OPTION 1, AND THEN CHOSE OPTION 1
ONE LAST TIME TO REACH ME.
The first Option 1 will take you to the disclaimer mentioned above and then from there, the second option 1 will transfer you to the recorded line and to me. Then we can talk. It’s actually pretty simple.
SUMMARY
That’s all there is to it this year. If you would prefer to call in and schedule your appointment, that is fine. Regina will begin calling everyone September 18th and will keep calling until we get everyone’s appointment scheduled. You may know this already. Honestly, she pesters people to death until they schedule their appointment. LOL. The best thing to do is “head her off at the pass” so do it NOW! TODAY! There really are only a limited number of slots available.
If you do not want to meet this year. That is fine as well. Just tell Regina that you are VERY happy the way everything is set up and we will not meet. These appointments are for you; not for me.
The last topic I wish to address is… I am no longer The Medicare NINJA! I have always loved that nickname, but, it does not really tell the whole story. I am so much more than a Medicare resource or Kynect advisor. Did you know, I am equally skilled at;
- Getting people out of debt…
- Providing them with a legacy for their families through the right kind of Life Insurance…
- Helping them save for retirement…
- Assisting them in creating a plan should they need care services…
- Helping them create a guaranteed income stream so they will not run out of money…
My goal is to save you money on your healthcare, and protect your income during retirement, and your family at all times should you not be around as long as they are. Anyways, that is all I have today. So, I proudly announce… I am your Coooooool Financial NINJA!
Todd
Update on Medicaid Expansion Coming to an End!
To ALL Clients (“Medicaid, Kynect Exchange, Medicare”)
Sorry, this is going out by text and email. I really need to get the word out.
Click the video below to have a “TOD Talk” on the subject of the end of the Medicaid Expansion.
Yep! The free ride is over. For the past three years anyone could get Medicaid. But that time is coming to an end. Here is what this all means to most of you….
You should take the following steps.
First, if you have never done it, you need to add my contact information in your phone. It’s very easy. From your phone click www.popltodd.com and click “SAVE CONTACT“. This way when I call, you will know it is me for real. You will even see my picture.
Second, schedule your own appointment with me at a time that is convenient for you by going to https://calendly.com/michaeltoddoldfield/kynect and picking a day an time. Currently the state is sending me like 20-30 hours a week of new cases to help, so do this now. My calendar is going to be very clogged up this summer. Some cases are taking a week to clean up. Yuck. You should know me by now. Well enough to know that if there is money to be saved, I will find it for you.
If you currently have Medicaid, inquire (or watch for a notice) about when your next review date is. At that time you will either be able to keep Medicaid or you will not. If you are under 65 and have no Medicare, it may be that you will qualify for an exchange plan with maximum assistance. This is excellent.
If you have Medicare, AND, Medicaid (or a Medicare Savings Plan) you and find that you are about to lose your Medicaid ACT FAST. It’s ok. We do have to make a change in your plan. If not you could end up with no plan whatsoever.
Remember, the last three years have been a gift for some of us (Where Medicaid is concerned. Anyone in Kentucky could get it, due to COVID regardless of their income and assets. That is just coming to an end. If you qualify for it then it is there for you. If you do not, then you have to get your records straight. This is where I come in.
Call me ASAP or schedule some time with me well in advance of your review date.
Regards.
Michael Todd Oldfield
PS – be sure to drop me a testimonial at https://toddoldfield.com/addmine/
What is Popltodd.com?
Please do visit http://www.popltodd.com and save my contact record on your phone.
It’s really simple. When you get to the site from your phone, you will see a green button to save my contact record to your phone. Click save.
This is all my contact information, social media links, and a nice pic of me on your phone as my contact record.
I need you to do this so that you have me in your phone always and will be able to differentiate me from spammers. If you do not save me in the phone and have spam blocker, I will not be able to reach you.
This was a real problem this year. Many of you I called for our scheduled appointment and you never received my call which threw my schedule off.
Please do this now so you will know when Regina or I am calling, AND, that it is truly us, AND, that it is safe to take a call from us. Remember, these annual calls are for you, not me. This year almost 20% of you had to change your plan. I know most of you are very happy with what you have (I do my job well), but we still had to change a bunch so they had the best plan for them for 2023. The calls I do are for you, not me.
Annual Review Appointment Scheduling 2022
Hello All.
It’s time to schedule your annual Medicare / Kynect / ACA review. Remember, this is for YOU; not me. We need to make sure always that you have the best plan for YOUR needs.
You may schedule your appointment 1 of 3 ways.
- OPTION 1 – SCHEDULE YOUR APPOINTMENT YOURSELF – It’s very easy. Simply click the link below, pick a day and time, answer a couple questions and you will be scheduled.
- MEDICARE CLIENTS click >>>>> https://calendly.com/michaeltoddoldfield/annualmedicarereview
- KYNECT / ACA / Under 65 Individual Healthcare click >>>>> https://calendly.com/michaeltoddoldfield/aepaca
- OPTION 2 – You can call Regina and she will schedule your appointment for you (she is out having surgery today (Friday) so she will return calls on Monday. Call her at 859.800.7774 extension 1 (If her voice mail is full, she will call you)
- OPTION 3 – Wait and Regina will call you when she can.
I advise picking option 1 or 2. We have 350 more appointment slots only, and that many appointments to schedule. Do not wait!!!!
I do not want you to be overlooked.
And please, do not forget to drop by www.popltodd.com and save my contact information. See you soon, God Bless!
Todd
IMPORTANT: If you have not mailed in your “Medicare.gov Information Update Form”, read this.
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Happy fall; 2019!
AEP is around the corner. Each established client should have received their “Medicare.gov Update Form”. If you have not received yours by now, down load this one, fill it out, and mail it back to me at;
Michael Todd Oldfield
3408 Crimson King Court
Lexington, KY 40517
2019 Medicare & You Manual
This just out; the 2019 “Medicare & You” Handbook from CMS.
To download to your computer, just click HERE and then right-click your mouse, and “save as” to your desktop.
Open Enrollment Travel Plans & Calendar; Big Plan Changes Coming!
Welcome to Open Enrollment for Plan Year 2019
The decade is fast coming to a close, and there are some BIG changes coming in a lot of the plans for 2019. For sure we need to set aside some time to meet this year. I want all my clients to be well-prepared for 2019.
As always I will be doing all I can do to see every one of you. Please call me ASAP so that we can set up your appointment. My number is 859.654.0120 extension 1000. You can call that number any time.
Medicare.gov Updates
Have you sent in your drug list? If not, here is a link to this important document. It’s not required of course. It does however help me to save time. By sending this document to me, I can pre-enter your drugs into Medicare.gov so that I don’t have to do it once I have arrived. This can very often save 5-30 minutes depending on how many you take.
You can get this document HERE or by clicking the picture on the right. Once you open the document, you can then print it, fill it out, and mail it back to me at;
Michael Todd Oldfield
3408 Crimson King Court
Lexington, Kentucky 40517
Travel Plans
Below is a general guideline for my travel plans for October 1 – December 7, 2018. This is our entire Medicare Open Enrollment and Pre-Enrollment season. This is my funnest and busiest time of the year. I travel more than 5,000 miles per month to visit with 300-400 clients located all across our great state of Kentucky. During this season I work 7 days per week and mostly 12-14 hour days.
It’s very important for you to understand that I do my best to be to every appointment on time, but I will NOT leave a client if they still have lingering questions. So, this means every appointment has the potential of lasting only 15 minutes… or may run as long as 3 hours. I just never know. So, having said that, if you would like to meet, please be patient with me as I work very hard to serve every Medicare beneficiary.
This year there are also many different venues in which to meet. As always I will be in my Wal-mart (Hamburg location), but in addition to that, I will also be in my office (2808 Palumbo Drive, #204, Lexington, KY, 40509). For out of towner’s I will traveling all over Kentucky on various dates. See below for more information.
ASAP, please call me at 859.654.0120 x1000 so that we can book your appointment.
Travel Plans By Date
For planning, below is where I will be on various days and dates.
- October 1-October 14 – Western Kentucky – Mostly new business visits.
- October 15-December 7, Mon – Thu, 9AM-1PM – Wal-mart in Hamburg – Existing Lexington area clients.
- October 15-December 7, Mon – Thu 2PM-8PM – My Office – Lexington area clients.
- October 19 – Northern Kentucky – New and existing clients.
- October 20 – Eastern Kentucky – Along I-64 – New and existing clients.
- October 27 – October 28 – Eastern Kentucky – Far Eastern – New and existing clients.
- November 3 – Southern Kentucky – New and existing clients.
- November 9 – October 11 – Western Kentucky – New and existing clients.
- November 16 – November 18 – Eastern Kentucky – New and existing clients.
- November 24 – Northern Kentucky – New and existing clients.
- November 25 – Southern Kentucky – New and existing clients.
- November 30 – December 2 – New and existing clients.
Travel Plans By Geography
Or, if it is easier for you, below is a list of where I will be headed in a general sense during the entire season.
- Lexington Area – You can meet with me daily at my office on Mondays – Thursdays from 2PM – 8PM. This is the best place to see me. I book appointments there on the hour (6 per day). You can also meet me at Wal-mart in Hamburg Mondays – Thursdays from 9AM – 1PM. Be sure to call me to book this appointment as there are frequent walk-ups there.
- Western Kentucky – I will be there October 1 – 14 mostly seeing new clients but will also be seen. I will then return November 9 – 11 to visit with existing clients remaining to be seen. There is not a place I do not travel to in Western Kentucky during this season.
- Southern Kentucky – I will be down south of Lexington on November 3rd and on November 25th. I will come through Corbin, London, Berea, Richmond, Danville, Lancaster, and Wilmore, etc.
- Northern Kentucky – I will be up your ways on November 19th, maybe the 20th, and on November 24th.
- Eastern Kentucky – I will make my first trip into Eastern Kentucky on October 20-21. This trip will probably keep me close to I-64. I will hit Winchester, Mt. Sterling, Salt Like, Owingsville, Morehead, Grayson, Flemingsburg, and maybe Ashland and Louisa. Then I will return the following weekend on October 27-28 and dig deeper into Eastern KY and hit places like Pikeville, Inez, Whitesburg, Harlan, Hazard, Salyersville, and many other towns. I will finish Eastern Kentucky with another 3 day trip on November 16 – November 18.
This is the plan. Of course, it’s subject to a LOT of change. If you have referrals, please have them call me ASAP, so I can get them booked the same time as I get your appointment scheduled (to save time). I LOVE referrals. They are the lifeblood of my business. Please have them call me and mention your name.
They can reach me at 859.654.0120 x1000
Love All The Testimonials
I am just so thankful to the nearly 100 people that have sent in testimonials concerning the work I do. To leave a real life testimonial, go HERE!
Todd was relentless at fighting for us to help our extremely complex health insurance needs. He was very responsive and went above and beyond! Todd is THE BEST! I’ve had a lot of health and financial challenges over the past few years and Todd works patiently with me every year to get the best coverage for the absolute best rate. Whether it’s Qualified Health Plans or Medicaid, he knows ALL the ins and outs to make the process so much easier. I can’t recommend him enough! This year was the second I've had the pleasure of working with Todd to figure out the best health care plan for me. Last year, he took my case very last minute and both years he searched all of the plans to find the best fit! Highly recommend! Hey Michael it’s me again so I no longer have CareSource and was hoping that you can get me medical with dental and vision. I can't recommend Todd Oldfield, my incredible Medicare Ninja, enough. With his extensive knowledge and personalized approach, he helped me to choose the best plan for my needs. If you're looking for someone who genuinely cares to guide you through Medicare, Mr. Oldfield is the guy you want on your side. Todd always on top of his game. I appreciate that he can quickly make light work of a very difficult line of products. And he always seems to have a great sense of humor when doing his work! Thank you Todd! Todd is great. Explains everything in detail & always very knowledgeable. He's very dependable. Since I first started working with Todd, he always compares & recommends the best for me & he's always right. Todd Oldfield is the very best! He is so very knowledgeable and friendly, and I never worry about what to do. He always knows the best for me and everything has always worked our great! It was a pleasure to deal with Todd. I know he provides me with all the necessary information needed to make the decisions on my new year's coverage. Thank you so much for the time you spend with me each year. As always, Todd is professional, quick, informed, and personable. He turns what COULD be a tedious and confusing task into a quick and easy relief. You set me up with such a good plan that I didn't have to change anything. Sweet! Easy! Thanks! Really appreciate Todd’s efforts. Reviewing our Medicare supplement was quick and easy and Todd saved us a significant sum by changing our drug plan. Also updated us for a new birthday rule that may be useful in the future if our supplement must change Todd was great helping us during a move from Florida to KY. He was very patient helping us through my wife's signup and my transition to a different Medicare supplement plan utilizing KY's "Birthday Rule", new in 2024. If you have any Medicare insurance issues, call Todd! Todd Oldfield has been helping me for years to make the best decision for myself. He is very informative and professional. Highly recommend him for your insurance needs. I enjoyed our time together My Medicare Ninja is all that and a bag of chips! Todd is friendly, professional with a great sense of humor considering what he has to deal with every day....Medicare!!! Very pleased and satisfied with his help navigating the sea of insurance. Todd was great. Reviewed all my options to make sure I have the best plans for me. I would and have recommended him to friends and family. Todd is very knowledgeable and helped worked through all my issues. You did a great job! Todd is always so helpful and tries to find the best policy that meets my needs. Todd, I want to thank you for keeping my Medicare coverage the best it can be. Without you I would have spent allot more money for less coverage. Todd does a great job at finding the best insurance for my needs!! Todd does a great job at finding the best insurance for my needs!! I attended a meeting that Todd had and got everything I needed to prepare me for moving forward with my new benefits. I scheduled an appointment with him and he went through every plan with me to ensure that I was getting the best possible plan for my personal situation. You will consider yourself blessed to be a part of the enrollment process he prepares for you. I would highly recommend Todd as and knowledgeable detailed agent. He is a great insurance agent ! Love him always there for me! Recommend him highly ! Todd i have known for many years he helped me with insurance and has been a good friend. He called me from another country just to answer a clients question. thank you for all you do and will do to make life more simple. Help me greatly I had no idea what to do He got me all straightened out. I’m very happy with the results Todd is a great person and is very smart he makes you feel very comfortable when explaining the best options for you I would highly recommend Todd he is definitely. 5 star Guy Todd helped me with my insurance and guided me in deciding on the best one for myself and my husband. Tod has been there for me and my husband with every question and advice I needed ! Wonderful kind and caring person ! My husband Passed Away November 15 2022 , he love tod and was there for him and since gone be there for me ! Wouldn’t have anyone but him for my insurance needs! Great Person!! Always there to help you in any way he can. He has really helped me to find the best insurance for my needs. What ever you need give him a try!! Glad I did!! Todd has been very helpful in my choices of health care. Especially what is best for my unique health condition. Todd has been an excellent agent and friend for many years. He has helped me so much and continues to check in with me. He's the best! Todd was highly recommend to me by a friend, as they spoke very highly of him. He has been very helpful and patient with me. I’m widowed and was unsure of where to start. I called Todd and he took very good care of me, and continues to do so. I would highly recommend him to anyone. Everything went well. Thank you so much for your service! Todd helped me through all the complexities I had filing for insurance. He is easy to talk with and goes the extra mile to make sure you’re taken care of. I appreciate your help in finding Cindy and I what seems to be the best Medicare “fit” for our health care. It’s a complex decision that involves not only cost, but access to care that meets our needs. You communicate well, and have made yourself available when we had additional questions. I appreciate the time you spent with us and will continue to follow up with you yearly Todd has been helping me navigate the ACA from the beginning. It’s not always pretty, and it’s not always “affordable,” but I’m always confident that he has found the best plan for me. This year, he found a plan that will save me thousands. Call him. You will be glad you did. Todd is an amazing person. Not only does he really is experienced in his field he treats you like family. I look forward to using him again in 2024. You were awesome to work with and took the time to help myself and I'm sure hundreds of other people. I hope have the best Christmas and Happy New Year. This guy is really good. You definitely want him helping you with health insurance. Highly recommended. Mr. Oldfield has helped me find insurance twice this year. Next year, I will listen to him the first time. Got my through a major crunch after my insurance was cancelled. I am incredibly grateful for the exceptional service provided by Michaed Todd Oldfield. Their professionalism, attention to detail, and dedication to finding the best coverage for my needs are always outstanding. I highly recommend Mr. Oldfield to anyone seeking reliable and trustworthy insurance services. Todd helped me choose between several health plans. He reviewed three of them and got the best of the three for 2024. Thank you. I was very satisfied, you really helped me to understand what I was getting! I appreciate you taking the time to explain everything to me! Thanks Todd Thanks Todd for keeping things easy for me. I appreciate you. Todd has been helping us find the best Medicare supplements for 7 years now! He’s the BEST! Trustworthy and Kind…always has our best interest in mind as he looks over what would be the best coverage. Thanks Todd for making it so easy in the annual “search”! Todd goes above and beyond to find the best for a client by successfully navigating a confusing insurance landscape. It isn’t a one size fits all, rather a detailed evaluation for each individual’s plan. You are the greatest! Great person! Doing a great job! Great job Todd always does great work. He explains what options I have and provides his opinion if he thinks it is better for me. I really appreciate his expertise. Todd is one of the most knowledgeable Healthcare insurance Agent by far. A true Professional. I am so very thankful for Mr. Oldfields help. My most recent interaction with him was very helpful. He took his time to explain everything to me and to help me find the best temporary insurance for my situation. Todd does a great job for me every year - so grateful I found him! Postage isn't cheap Mr. Oldfield patiently and expertly helped me through every step of a very complicated process. He continues to check in and constantly demonstrates that I’m an important client. I wish everyone navigating the healthcare system had such an advocate and guide! Updating insurance Todd has been very helpful with all of our insurance needs Todd has driven many miles for over 10 years to personally ensure I have the best coverage to fit my needs. He is most dedicated agent you could have. Good job I have been with Mr Oldfield from the second year of eligibility, so a very long time. I don’t have to worry about anything. He always meets and exceeds all of my expectations. I have referred many family and friends to him. Once you go to the “Ninja” you never leave him. Being retired from the medical insurance business, you won’t find a more dedicated, knowledgeable and trusted individual in your corner. you are good Todd! Served me well over the years. Looking to see if better coverage than what i currently have. The photo is of me and my husband. However I am the only one interested in appt. Currently have a Medicare advantage plan Todd helped me a great deal. Pleasant and gave clear explanations for the uninitiated. Easy to reach for any problems or concerns. Was available when I needed him. Todd is very professional and explains all you will need. He is so easy to talk with and is very thorough in his search for the right plans you need. He will not waste your time and you will feel confident using his service! Love this man Todd been taking care of my Health insurance for the past 10+years He is the Best Todd helped me a great deal. Pleasant and gave clear explanations for the uninitiated. Easy to reach for any problems or concerns. Was available when I needed him. Made it as painless as possible for us to obtain Medicare supplements and drug plans that were in our best interests Thank you for Following up with me. Have enjoyed working with Todd for several years now, trust him completely. Todd is great! Knows his stiff and takes the time to explain any questions. Very belpful! I really like ninja he takes good care of me Thank you very much your friend Arville Simmons I am just starting Medicare this December. Todd has been so helpful. I don't know what I would have done without him. He is truly a blessing. Todd is a very knowledgeable —he KNOWS insurance. And has kept me on track for 3 years now. Todd has given me excellent service for 3 years. You have always been there for me. You explain y options so that I could understand. You have baan a friend to me and I appreciate you. Saved me money on my health insurance premium. Helped me file forms for GTL insurance. Go me connected! My husband and I started with Todd after we decided not to go back to Winchester to an agent. Todd has been wonderful with us. He cares and makes sure you get what is best for your needs. Would not have anyone else but Todd. Todd opened my eyes on opportunities for my retirement savings as well as my options for my healthcare. Plus, he's fun! Todd helped me by coming to the house due to my fall and I cannot walk. I attended a class. Todd helped me with my Medicare & savings! Todd has always been there for me no matter what I needed help with. He is a very updated and knowledgeable agent. He is very nice and helpful even if he has to drive a long ways to get to you. Thank you Todd Todd came to my house and I felt he and I had known each other for years. He showed me how I could save and believe me, I have saved! I love Todd! Even though I had years of medical insurance billing experience, Todd help me navigate the Medicare options that were the most financially beneficial for me and my current situation. I trust Todd and appreciate his knowledge and sensitivity to people on fixed income. Stephanie S He got me some relieve of prescriptions. Helped me with my Medicare and recommended additional supplement for future coverage. You cost me money. You at all my chili but you licked the bowl clean HO HO! Saved me money - I feel better knowing I have more coverage - Mr. Todd is a good person - is willing to take time to help you in all your needs. Todd helped me to get an Anthem Advantage Part D Plan. It is working fine but I want to add eye and dental. I know Todd will help me with that too. I am very satisfied with Todd Oldfield, My out of pocked expenses have been minimal! Todd has always been available any time I have questions. He has helped friends of mine with good coverage as well. Todd helped me with my Medicare. Todd helped me save money on my healthcare Todd did all the leg work to get the most for the least. For me, it saved me a tremendous amount of time and frustration. You saved me money on my insurance. You save me money on my healthcare now that I have had a pace maker. I had it put in February of this year. Todd has put up with me and I really appreciate it. Thank you, Todd! Todd is an excellent man & sure is intelligent person. God Bless him. ~Lillie Todd helped me navigate the crazy world of Medicare and I would be lost without his knowledge and expertise. Very well & God Bless You. I want to thank Todd for suggesting that I purchase a supplemental insurance ("GTL"). I had a bad fall and broke both shoulders. Without the insurance, I would have had more co-pays. Thank you, Todd. Todd helped me get an insurance plan that saved me almost $300. Also I can get OTC drugs. More coverage. Less money. I now have peace of mind. Todd is an awesome person that has taken care of me for the last few years. Love the personal detail and with a fine tooth not missing a beat with my Medicare needs. Has helped me one on one and he is very unique and one of a kind. Yes. Save money on my insurance by using a better plan. I have been so please with Todd. I have been working with him for 4 years. Always does a great job checking each year! Always asking all the questions to see if my needs have changed.! He is the real deal! I had two meetings with Todd with regards to healthcare coverage. I found him very helpful and tried very hard to get the best coverage they were offering. He is honest and trustworthy. I would recommend Todd to any body with regard to coverage. He also helped my son with coverage. Todd got ACA coverage for me when I lost Medicaid. He was very knowledgeable and it was great getting it done so painlessly. And no charge! I would definitely recommend him as an agent! I stopped by Mr. Oldfield's booth at Walmart, and he spent 30-45 minutes, maybe more, talking with me and on the phone to at least 2 different people to see which insurance needs fit me best. He also set up a follow up meeting/phone call to continue our conversation and made another phone call on my behalf. This guy truly wants to help people and went WAY out of his way to assist me and my needs.....THANKS! 🙂 TREMENDOUS HELP! HE SET ME UP WITH A LAN THAT PRESERVED MY SAVINGS THOUGH MULTIPLE HEALTH CRISIS, SOME OF THEM QUITE SEVERE. I trust Michael Oldfield. He's been my agent for years. He always makes time for me. Always makes time over the year to explain any changes. If I have any questions, I can call him. If he's not available, he calls me back soon as he can. I probably would have changed a long time ago if Mr. Oldfield wasn't my agent. He's like family. ...I want to hank you SO much for guiding me into a supplemental insurance policy. I have had a really rough year, health wise. In September last year, I got a fracture in my lower back. In December I got another one. I went through therapy, shots, etc. Long story short, I had surgery on July 10th. He put rods and screws in and I am doing better with that. Still in some pain, but considering the excruciating pain that I was in, I hate to even call it pain. I have had pain and weakness in my left leg since the surgery. He thinks I have a pinched nerve or a damaged nerve above where he put the rods in and he is still working on this problem. Again, thank you for all you have done for me. If it wasn't for the supplemental insurance, I could not have had any of this done. I have been to more doctors and have done more procedures done this past year than I have in my entire life combined. That includes going to my doctor every 3 months for my diabetes (which is doing great). I know my insurance premium will probably skyrocket, but I am so blessed to have had a way to get this done... Very sincerely. RF Todd helped me pick a plan that best covered my needs. Saved me money on not having to pay monthly premiums and on prescriptions (by receiving them in the mail.) Saved me more than $2,000.00 per year. Todd saved me a specific amount of money. Todd increased my coverage. Todd gave me information for different plans & price & how to use them to my benefit. Thanks Todd He helped me find the proper health care coverage for me. Saves me money. Yes. You sure have saved me and Phyllis lots of money and hope to keep saving. Thanks. Yes, we feel you have helped us. Fortunately I have had no measure illness. Mr. Todd has been of great professional assistance for our Humana Medicare insurance. Saved on prescriptions. My cool agent Todd is an amazing, great thorough and knowledgeable man and has the personality to go with it. Todd was a great help to me this past year on a claim for me. Found out Medicare or Humana didn't pay for a chair lift for our home. He will answer any questions I have for him. Thanks Todd TODD DROVE TO MY PLACE TO HELP ME FILL PUT SOME PAPERS THAT I NEEDED. HE DROVE A LONG DISTANCE ON A RAINY DAY TO HELP ME. HOW MANY PEOPLE WOULD DO THAT? HE REALLY CARES ABOUT HIS PEOPLE, AND GOES ALL THE WAY TO HELP WITH WHATEVER HE CAN. I AM SO GLAD THAT I HAVE MEET THIS MEDICARE NINJA, AND I TELL ALL MY FRIENDS ABOUT HIM. HE IS SUCH AN ASSET TO HIS COMPANY. THANK YOU ~T. BRUNER It is been great to work with Todd Oldfield he helped us a lot was very patient with us and answered all of our questions i will recommend him to any one. Todd helped me with advice on a long-term care policy that I have had for years never used but it, was changed and the cost went up, and services afforded went down. I feel his advice was the best I could have found and was available. He is a special man devoted to his clients. He helped willingly and it meant nothing to him or his time. Todd explained things to me so I could understand it. He pointed out this policy that world be the one better to save me money. Todd helped me get my insurance cheaper. Todd is very specific -- cutting to the chase - helping save money on healthcare and it great! And fast! Todd has always helped me in finding more reasonable prescriptions within the area. Todd was very detailed and covered my every need. Very nice, trustworthy as well. Honest in explanation and knowledgeable about what he was talking about. Knowing that Cool has my back is a advantage. Todd helps all around. Mr. Todd came to me on a day's notice, and advised me of my options and helped me chose the plan that best suited me. He is great at his job and very knowledgeable of your choices. I would recommend him to anyone because I have to my own family members. I am also proud to call him a friend. I would be lost without Todd. Todd has always been very helpful. He explained thoroughly the plans available and which would suit my needs better. On top of that he's always been very friendly and has a good personality. Todd told me about OTC plan (vitamins, etc.) that I was not aware of. Saves me at least $45 per calendar quarter. Every $$$ counts. Very pleasant to work with. Todd helped me on my medical prescriptions with lower prices for me to pay. Dear Todd Oldfield; We were very pleased to of found someone we can rely on that will return calls if needed and always with sincere humor always ready to answer our questions. We feel you saved us money and did not increase our premiums. That's a plus! We love doing business with you. Hope to always have you around. Stay cool. Sincerely. Todd help me save on Medicare and healthcare. He was very nice and helpful to make us understand our plan more completely. He saved us money also! Todd Oldfield has been very helpful in regards to our health insurance and has been very dependable. Todd was extremely helpful with my Medicare intitial application for prescription coverage. Todd returned twice to ge everything just right. I learned cheaper isn't always better. Thanks, Todd Bonnie Todd saved me money on my prescriptions. I love the Silver Sneakers program. Once again the NINJA came thru with flying colors...This man is amazing in many ways...I had an issue with my insurance lapsing, I called Todd and without hesitation he made an appt. for the next day...30 minutes into our appt. my problem was solved...Now that time frame was blessed with short waiting period on the phone, that probably isn't always the case...But he was willing to stay on task regardless of the waiting time...I suggest and recommend Todd for any and all of your insurance needs...Besides that he is great to sit and talk with because of his knowledge and wisdom in so many areas....Once Todd I THANK YOU for all of your help and support.. Todd helped me save money and was really good with the paperwork. He showed me all my options. He helped know which was the best way to go on my insurance. Then last year he helped me get some bills cleared up through my insurance after a surgery. He was kind, patient with me, and wonderfully helpful. Todd helped me pick out the right package for me. He explained everything to us so we understood it. Very nice and well mannered. Yes. Todd helped me save money on my prescriptions and health care. You have saved us money. Hope you can keep saving us money. Lots of the medicine is a racket. Thanks for being there for us. Todd helped me very much. He answered all of my questions. Calmed my fears. The plans you picked for me worked great. Thanks. Todd helped me with answers when I need help. Thanks a lot! Todd helped me transfer to Humana without any problems. Todd showed us an insurance plan that was right for us. The process was quick, simple, stress free, no-hassle. Amazing! God Bless you and thank you! Yes. It saves me money! Helped me know what I needed. Very kind and helpful. Anytime I've had questions Todd has always took the time to explain what I need. With health insurance as it is today, we need someone to "stand in the gap" for us. Todd is not only our agent but has become a dear friend as well. Really do appreciate him. You helped me understand my healthcare and my Medicare. Thank you. Todd was good about meeting me at a location closer to where I live. Thanks for helping me get my meds! An for all the trouble you have gone though trying to get my Medicare Part B straightened out. See you soon. Todd saved me money when he explained the benefit of an HMO instead of the PPO I had for years. Given my good health status I do not go to the doctors much. Todd also looked up different PCPs for me to choose from. Very helpful. I have never had this much help! Todd saved us money on insurance, Medicare and he can answer all your questions. Todd helped me get set up with Humana Advantage plan. He made it easy and I greatly appreciated that. Todd helped me save $18.80 on my prescription medications. Mr. Oldfield helped my husband and I get his retirement plan plus social security for us in order. Had I listened better, I would be paying less for a drug plan. Todd, You saved us money and we were so happy I ran into you at Wal-Mart. We found you to be a really nice quy and look forward to working with you next year. I will make you chili again! Todd found me the best plan with the most options for less money. Explained in detail the various components of my policy and how to save money. Todd was wonderful helping me decide on a plan. I liked having someone to guide me thru the process who is kind, knowledgable and helpful. Todd has always been very helpful in answering any questions I have had. Has also helped other family and friends. The most helpful agent ever. Todd, I especially appreciated the "changes" in the federal Medicare, etc. for 2016. I can now anticipate those changes. Very Informative! Todd was an absolutely wonderful in helping us to navigate our way through the medicare and supplemental insurance hurdles. He took the time to explain everything for us and was very knowledgeable. I would highly recommend him. I was very impressed by the excellent meeting I had with agent Todd Oldfield from the 'cool' group of agents. He was very through, professional and knowledgeable. He had the answer to any question I had and further was not in a rush, seemed like he thought I was a human being as opposed to just another commission. He also met me at a little deli about half way between Lexington and my little home down on the Kentucky River. [to tell you the truth I believe he would have come all the to my home but I would not ask that of anyone without a 4 wheel drive vehicle that had a ground clearance of at least 10 inches. But I bet he would have . ] If the rest of the agents associated with the 'Cool Group' are anywhere near the caliper of Mr Oldfield then this is certainly the place to shop for your insurance needs. In my case I was to start with Medicare. (the government seemed pretty adamant on this point) The plan Mr Oldfield laid out was with Humana and I truly believe that I came out with better than I could have by just letting the government give me whatever their concept of health-care is, the Humana folks picked up from there and sent me a great deal of info on my plan and continue to be on call for any questions I may have. Now I just need to get sick. OK, no I really do not want to get sick, but it's a comfort to know that I have good coverage and then some. I did book an appointment for a check-up and place an order for my monthly $30. worth of over the counter items including a blood pressure cuff w/stethoscope. Yours in Liberty, Todd came to my house instead of me having to go to him. He sat down and explained Medicare and supplemental health insurance fully. Through his computer program he defined best program for me. Additionally best RX program and saved me ENORMOUS time and energy. "Best insurance agent I have dealt with." He is very knowledgeable, with insurance needs very helpful. If he does not know the answers he will gladly find out and get back with his client. I like his work ethics. Nice. Polite. Todd has always explained the choices well. He has been available anytime I or friends of mine had questions or issues about payments. He has become a friend. Mike (Todd) was extremely helpful with my insurance coverage. I feel he got me the best possible insurance and at the least cost! Very, very knowledgeable. My agent, Todd Oldfield was very professional and very well informed. While Todd is known as being the Medicare NINJA, he is also well-versed in Kynect health insurance plans. He expedited the sign-up process to ensure the deadline was met. In just one conversation it became quite evident Todd knows the insurance business and I knew right away I was in good hands! He listened to my concerns and addressed them timely. He achieved the results I was after - so I now know him as the Kynect NINJA! Mr. Oldfield came to our home and explained the choices of supplements. He was very knowledgeable and patent when we asked questions and I feel I can call him anytime if questions arise. Mr. Oldfield was very helpful in helping me obtain affordable health insurance. I want to thank Todd for making a big difference in my life. Since I am turning 65 soon, Todd came to my home and reviewed my current insurance. I am thoroughly confused by insurance companies. Todd showed me that I have been paying $60 a month, for the past 6 years for a policy that has covered nothing. Todd made phone calls and prepared the necessary paperwork while he was at my home. Now I have the coverage I need, extra money each month, and Todd as my agent to make sure my insurance needs are met. He is also very friendly and by the time he left, I felt like we were old friends. Thanks Todd!! I want to express my appreciation for your assistance in enrolling me in an individual insurance program. I was impressed with your vast knowledge of all types of insurance. I will call you to revisit my insurance needs. You surely must know you are appreciated by all your clients. The labyrinth of insurance details is messy business. A person needs people like you to sort out the messy, confusing options. Aside from making an informed choice, you were especially pleasant and kind. The speaker clearly knows the material. I came away feeling like I had a much better understanding of Medicare; it's components, my exposure to financial risk should I become ill, and how to protect my finances. So glad I came. Helpful tools & very pleased with presentation. Michael Todd is one of a dying breed of sales reps. He knows his product , is very sincere and honest and as dependable as a mother. He loves his job and strives to be the best for you; the customer . Mr. Oldfield is extremely proficient in with his knowledge of insurance needs. I called just a few days before the open enrollment deadline.. He told me not worry that we would get it all taken care of.....Taken care of it was...I met with at our appt and 30 minutes later, I had insurance, basic knowledge of the policy which was explained in more depth when I called a week later to ask some questions...Todd is a knowledgeable, genuine and caring insurance GURU..... HE ISN'T CALLED THE "MEDICARE NINJA FOR NO REASON".....Call him for your healthcare needs...you won't disappointed..... I was in need of health coverage so I went to my friend Todd Oldfield. He was able to help me out. He has gone above and beyond the call of duty to make sure I have proper coverage. I highly recommend anyone that needs coverage to call on Todd for help.
Nate Griffith
W. Castle
B. List
J Dickerson
Robert Herald
Tonya a C
Janeth D
Debra D
Maya ZNo company
Nonta P
James stamper
Bo L
Diana E
P. Rhineheimer
I highly recommend the 'cool' group and agent Todd Oldfield.
David G. aka riverdave
G. RIESTER
Medicare’s Trust Fund Is Set to Run Out in 8 Years. Social Security, 16. – The New York Times
Today’s rant… The demise of Medicare and Social Security. Oh my lord!!!
Source: Medicare’s Trust Fund Is Set to Run Out in 8 Years. Social Security, 16. – The New York Times
Click the link above for the article. This is not good news sadly. For years they have been estimating when Social Security and Medicare would run out of money. It seems like every time they update the estimate, the end date is moved a smidge closer to now… and it happened again.
Now they are saying Social Security will run out in sixteen years or 2034 and Medicare will run out in just another eight years or 2026.
Medicare is a real problem, just when you think about the timing. So they are telling us it will be done, right when the biggest group of baby boomers are probably going to need healthcare services. Right?
Wow. that is just nuts. So, we are going to be a bunch of old farts and no one to take care of us. Which we already knew any ways, being that the average age of a nurse is above 53. They cannot keep working forever. So what do you think when in 20 years, the average age of a nurse will be 60 or more… but the number of patients will be double? Right? Boomers Rule!!!!
However, we will not have money for our healthcare or our groceries by then. Social security will be gone.. healthcare will be in shambles.
And, all this has been known for, well…. like, forever. Politicians did not want to deal with the problem because the solutions are politically unfavorable. Meaning, if they wanted to work on a solution, no matter the solution, they are going to have to piss someone off. Pissed off constituents translate into votes for candidates who don’t do anything, being that no action is better than a wrong action in their minds. So, by trying to do right, a decent politician will end up possibly out of work. They know this. So, they have not done anything.
It’s all just a mess. This is what our government has left us with.
No healthcare soon. No income either.
Good job government.
Rant over.