Emil Beheshti / Medicare Broker - a division of Simpler Horizons

06/16/2026

A real client testimonial from a “not so” real animated avatar. My real client is a baddie from Texas that can out-lift anyone I have ever known and less of an HRC wannabe. And she’s got the best puns anywhere within 500 miles of the border. Thank you, JC. 🙏🏻❤️

05/08/2026

Clients and friends - Medicare Advantage plans(aka Part C) might see some cuts to their additional benefits in 2027 - such as rides to doctors, gym memberships, dental and vision and food benefits(often applies to Medicaid recipients). Humana and other carriers have indicated the increase the government will fund MAPD plans - by 2.48% in 2027 - might not be enough to maintain these "extras" and they may have to reduce some types of additional benefits like I mention above. This is NOT concrete at the time and the government may STILL end up further increasing their contribution for 2027 - stay tuned. However, this is a time to GO TO THE DENTIST, schedule a RIDE to the doctor and GO TO THE GYM for exercise or at the very least work out at your home or around your community. Ultimately, even if these benefits are reduced what usually is most important to you are your doctors and Rx. While you may hear about cuts throughout the year - and we always will - just keep in mind what's most important to you in your plan. Have a nice weekend. Go outside!

Millions of people choose to enroll in a Medicare Advantage plan because of the extra benefits included, like gym memberships, vision and dental coverage and more. But according to Reuters, Humana—one of the largest Medicare Advantage insurers—might cut those benefits if the federal government's...

04/27/2026

If you’re considering social security at 62 or before full retirement age this article is informative.

A new bill in Congress calls for eliminating the retirement earnings test, which reduces Social Security for some workers who are younger than retirement age.

03/03/2026

Torrance Memorial clients - good news about self-referring

02/09/2026

This article may be helpful if you DO NOT have insurance and pay cash for your Rx. If you have insurance it is quite possible your co-pays are less than these coupon discounts.

Under Trump administration deals to lower drug prices, pharmaceutical companies are offering some of their drugs at discounted prices through a new website called TrumpRx.gov.

01/03/2026

https://www.youtube.com/watch?v=sAWnYi4xf5g

Dr. Peter Attia is focused on the marginal decade, the final 10 years of someone's life. He's developed a “Medicine 3.0” framework to help his patients delay...

11/16/2025

https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles

2026 Medicare Parts A & B Premiums and Deductibles2026 Medicare Part D Income-Related Monthly Adjustment AmountsOn November 14, 2025, the Centers for Medicare & Medicaid Services (CMS) released the 2026 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and t...

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.
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