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Jim Robeson

Jim Robeson CLU, ChFC

The Medicare Answer Guy

Medicare News

January 2022 Edition

My goal with this newsletter is to:

  • 1

    Keep You Informed I will be sharing current articles about the changes in Medicare.

  • 2

    Answer Your Questions I'm available to answer issues specific to you.

  • 3

    Stay Connected I want to make Medicare coverage as simple as possible.

(858) 935-9120


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  • Marty S referred Denis W and Mark S
  • Barb L referred Debbie Y
  • Janean S referred Debra H
  • Dr. R referred Susan G
  • Birgit K referred Gabriele Z
  • Tom L referred Charmaine D
  • Connie L referred Marjorie K
  • Russ O referred Lynn O
  • Paul D referred Dolores D

We try hard to recognize every referral but if we missed anyone, please let us know.

Just send us a quick email so that we can acknowledge you. We want all of you to know that it is our privilege to serve you.

The greatest compliment you pay us is the referral of your family and friends. Thank you!!!

Elderly man looking at a chart on the wall

Medicare's Huge Cost
Increase - WHY??

How one drug can be responsible for 50% of the hike in Medicare's Part B Premiums!!!

Some of you may already be aware that the big jump in 2022 Part B premiums is partly due to the cost of a single drug. Yet why all enrollees are picking up the tab for Aduhelm - a controversial new medicine designed to slow cognitive decline with Alzheimer's disease - may be unclear. Adding to the confusion is the fact that Medicare itself has not yet officially approved coverage of the biologic, which comes with an estimated annual price tag of $56,000 per patient. Many clients are pretty upset about the increase and many have asked why. Here's what we were able to find out.

The standard monthly premium for Part B, which covers outpatient care and durable equipment, will be $170.10 next year, an increase of $21.60 from $148.50 this year. Medicare's trustees had estimated this past summer that 2022's premium would be $158.50. About half of the increase is attributed to the potential cost of covering Aduhelm, which was approved by the Food and Drug Administration in June. It is the first new medicine for the disease in nearly two decades, and the first one approved by the U.S. regulators to slow cognitive decline in individuals living with Alzheimer's. The okay for the drug, manufactured by Biogen, came despite some objections in the scientific community about its effectiveness and side effects, which include brain swelling and bleeding.

Medicare is expected to issue its coverage determination (whether it will be limited to certain patients under certain conditions) in the spring. Medicare's coverage decisions are not really tied to the price of a drug but whether it's recommended for the treatment of a particular disease, and the FDA's approval is taken as a proxy for "this is a recommended product."

While Medicare Part D provides prescription drug coverage, some medicines are administered in a doctor's office – as with Aduhelm, which is delivered intravenously – and therefore covered under Part B. And by law, the Centers for Medicare & Medicaid Services is required to set each year's Part B premium at 25% of the estimated costs that will be incurred by that part of the program. So in its calculation for 2022, the agency had to account for the possibility of covering Aduhelm.

Roughly 6 million Americans suffer from Alzheimer's, a degenerative neurological disease that slowly destroys memory and thinking skills, and has no known cure. It also can wreak havoc on the lives of families and friends of those with the disease. Most of these patients are age 65 or older and generally enrolled in Medicare, which covers more than 63 million individuals. In 2017, about 2 million beneficiaries used one or more of the then-available Alzheimer's treatments covered under Part D, according to the Kaiser Family Foundation. If just one-quarter of those beneficiaries – 500,000 – were to be prescribed Aduhelm, total spending on that drug alone in one year would be nearly $29 billion, the foundation's research shows. By comparison, total Medicare spending for all Part B drugs was $37 billion in 2019.

It is an eye-popping number for one drug that HAS NOT shown itself to be the miracle cure that everyone is hoping drug companies will come up with for Alzheimer's disease.

Check Your Credit For Free

A magnifying glass hovering over checkboxes with the value 'excellent' checked

Today, more than ever, it's important to check your credit to make sure everything looks right. I recommend Credit Karma, which is a free ser- vice for you. Everyone deserves to feel confident about their finances. Credit Karma's job is to give you the tools, the education and the oppor- tunities you need to make real, meaningful progress. The first thing they do is give you free access to your credit scores, reports and monitoring. Once you know where you stand, they help you figure out your next move. Maybe you need to dispute an error on your credit report. They could help with that. Maybe you're paying too much in interest, they could help with that too. Go see for yourself at

12 Fun Facts

  1. People weigh less if they stand at the equator than if they stand at the North or South poles.
  2. While they are hibernating, Bears do not urinate. Their bodies convert waste into protein.
  3. Car airbags kill 1 person for every 22 lives that they save.
  4. First-cousin marriages are legal in Utah, if both parties are 65 or older!
  5. Lou Gehrig earned a total of $316,000 during his entire 17 year career with the New York Yankees. In 1992, a fan paid $363,000 for a Yankee jersey that Gehrig wore during the 1927 season.
  6. Maine is the only state in the United States whose name has one syllable.
  7. One in every 9,000 people is an albino.
  8. One in every four Americans has appeared on television.
  9. One penny doubled everyday becomes over 5 million dollars in just 30 days.
  10. Lightning kills about 10,000 people a year worldwide, more people than tornadoes or flooding.
  11. The term "lawn mullet" means having a neatly manicured front yard and an unmowed mess in the back.
  12. The neighbors of lottery winners are more likely to go bankrupt because they try to keep up with their neighbor's new spending habits.

You know you're in California

If the three-hour traffic jam you just sat through wasn't caused by a horrific 9 car pile-up, but by everyone slowing to rubberneck at a lost mattress laying on the shoulder.

A cartoon of a traffic jam with a sign saying 'Accident Ahead. Be Prepared to Gawk.

Personal Note

Happy New Year! Well, maybe not so happy with all that's happening in the world today. I want to encourage you will a couple of thoughts…

When I start to feel discouraged and worried [and it happens], I first stop watching so much TV and start listening to worship music. Why? Because it's common knowledge that whatever we focus on usually changes our emotions…good and bad. When I can't find peace of mind from the things of this world, I change my focus to Someone who can bring me peace…

"…Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise. Keep putting into practice all you learned and received from me—everything you heard from me and saw me doing. Then the God of peace will be with you." Phil. 4: 8,9 NLT

I don't know what the future holds for our country, but I do know Who holds my future. I choose to look up to my Lord for comfort and hope and I encourage you to consider doing the same.

Jim Robeson CLU, ChFC

Medicare Made Easy
10755 Scripps Poway Pkwy #617
San Diego, CA 92131| (858) 935-9120

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