Matt Ragudo CRPC®, CLTC® | Ex-Financial Planner
@mattragudo
I help post-exit affluent clients and their advisors navigate Medicare & Health Coverage with independent, white-glove support. Anti-Insurance Agent
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New for those shopping in the ACA for 2026 coverage curtesy of The Big Beautiful Bill: 1/ Open Enrollment is now November 1 - December 15. (This past year it extended to January 15th)
So, another Large health plan as of today, discontinued commissions for Individual/Family ACA plans. Brokers, what are you doing?
This is why healthcare got so expensive. And why Uncle Warren stayed out of it.
Warren Buffett didn’t get rich selling car insurance. He got rich by realizing that float, the pile of premiums held before payouts, generates returns faster than the claims ever cost. Billions sitting in reserve accounts earning market returns. Before a single claim is paid,…
Warren Buffett didn’t get rich selling car insurance. He got rich by realizing that float, the pile of premiums held before payouts, generates returns faster than the claims ever cost. Billions sitting in reserve accounts earning market returns. Before a single claim is paid,…
AARP was paid $9B (with a B), by UHC. UHC will start to promote their “alternative” option: Medicare Part C to their co-branded Medicare Supplement Members. Don’t do it. UHC is moving their losing book of business into their profitable one. You’re going to be a profit…
Do you think Finding the right Health Insurance is easy?
Big Government has created Big Healthcare. And for the last 20 years, Big Healthcare owns Our Big Government.
Health insurance premiums in America could start dropping by Wednesday. Not “someday.” Not “after the next election.” Today is Monday! By this Wednesday it could be done… All it would take is CMS changing one rule:
Days like today make me dislike more and more people….
@DOGE @DOGE_HHS @DOGE_FDA As a physician in Direct Primary Care, we are able to provide medications directly from the clinic at wholesale costs (in 45 states except TX sadly) for patients. If unable to change the PBM/Insurance chokehold on pharmacy prices through…
From small pharmacy . We lost a patient to a $0 copay today. They left our pharmacy because we charged $17.92 for their medication — a drug that costs us $7 to buy. They found it “free” at Giant Eagle, Inc. , with a $0 copay. When we transferred the prescription, we asked the…
Until we can all agree that utilization management isn’t helping patients… Insurance will always win.
This is 100% true. Every American should read this. Call your congressman. Make noise. MAGA tell Trump it’s not just drugs, we need to stop the “Health Insurance” companies.
Here’s a fun party trick: ask ten Americans whether we have “free market healthcare” and watch nine confidently say yes. Then show them this: - Employer Coverage: 160M Americans - Medicare: 67M (seniors + disabled) - Medicaid / CHIP: 72M (low-income + kids) - ACA Marketplace:…
I need some perspective here. Why would anyone buy a Short Term Medical Plan? I found out my new prospect had a UHC fixed copay plan. Said he did a quick Google search and found it. I have a problem with these, but obviously somebody sold it to him. Why?
We should lower the cost of Healthcare….oh wait, Direct Primary Care is already doing that right now! Here is this week’s example: Comprehensive Male Lab Panel with us: $120 Run those same labs at the same place through your “Really Good Insurance” and boom 💥 it’s $2100.…
This is why Prior Authorizations are a play by insurers, not an act against medical malpractice.
This is a great explanation of the evil of the HMO Act, which was the first step for us all on the road to serfdom. This act introduced the prior authorizations, and this was the beginning of the war on physicians. The idea was that experts in the health insurance company could…
Question for all you Captive Agents out there. If you're policy is "more expensive" than a competitors, do you:
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Medicare Plans for 2026 are available to view on Medicare.gov. I'm making the final changes to my Medicare Advantage Survival Guide: The Annual Election Period. (For those stuck in the wheel) I'll be uploading a video and giving away a free worksheet so anyone can…
I heard from a Canadians Pharmacists Son who was my client that in Canada, the National Health System covers many over the counter medications. The catch? You need to get it prescribed. So, someone who has a headache, but "wants to get free medication", does the following:…
We need to change "The Government should pay for this" with "If everyone should do it, they should".
My client who had an 8-Figure Exit is going be paying roughly $29,000 for his High Deducible Bronze Plan next year. $8,500 Deductible and $21,500 Maximum out of pocket. $8,000/yr for Direct Primary Care. $10,000 for Direct Specialty Care Fee basis. (Budgeted) This is what…
When someone gives you job that takes much longer than you anticipated, do you: A: Charge more for your time B: Eat to cost Why?
This is what insurance companies do.
25 million patients just got swapped off their prescribed meds, not by their doctors, but by Pharmacy Benefit Managers. CVS Caremark is facing a lawsuit after forcing patients off Zepbound (which outperformed Wegovy) and onto Wegovy instead. Why? Novo Nordisk, the maker of…
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