Disclosure: Chapter is an advertiser on The Chuck ToddCast.

Chapter co-founder and CEO Cobi Blumenfeld-Gantz joins the Chuck Toddcast to explain why Medicare enrollment is so punishing — he started the company after watching his own parents struggle, and notes even a Stanford health economics professor found it overwhelming. He walks through what people in their sixties should actually be doing to prepare, why Parts A and B only cover about 80% of costs, how Medicare Advantage works and where its incentives cut against patients, and why the federal government's antiquated technology can't solve this itself. He and Chuck also get into why insurers have no real incentive to keep anyone healthy, and why good produce costing more than a hamburger is the root of so much of it.

Timeline:

00:00 Chuck Todd’s introduction

01:00 Why Chapter exists and why Medicare is so hard to navigate

06:30 What Medicare actually covers — and what it doesn't

09:00 Medicare Advantage, denials, and misaligned incentives

11:45 Why the government can't build this itself

16:15 How Chapter works, and how it makes money

24:15 Bipartisan backing and the road ahead

33:15 Rebuilding American healthcare from scratch 

For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /  *Paid Partnership

Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area.