In this episode of Work, Time & Effort, Chris welcomes back friend and guest Patrick Highland, who not only brings the energy from the sports world but also offers critical insights into something even more personal for many: navigating Medicare.

With Medicare enrollment season right around the corner, Patrick breaks down what most people find confusing — Medicare Supplements, Advantage Plans (HMO & PPO), Part B premiums, and how to truly tailor your healthcare coverage to your life and budget. Whether you’re turning 65 soon, helping a loved one enroll, or just want to save hundreds per month on your current plan, this conversation delivers real value.

You’ll hear:


The three tiers of Medicare coverage — from “Cadillac” plans to value-focused options


Why choosing the right doctor network matters more than perks like free gym memberships


How Patrick saved one client $100/month with a better-fit plan


Why October 15 – December 7 is your golden window to make changes


The risks of going uninsured — and why some decisions can cost you thousands


Tips for staying healthy in retirement and how your plan can help

It’s an informative, eye-opening, and surprisingly entertaining look at the real cost of healthcare — and how to take control of it.

📌 Whether you’re in Sarasota, Bradenton, Tampa or anywhere in Florida — this episode is for you.

In this episode of Work, Time &amp; Effort,&nbsp;Chris welcomes back friend and guest Patrick Highland, who not only brings the energy from the sports world but also offers critical insights into something even more personal for many: navigating Medicare.
With Medicare enrollment season right around the corner, Patrick breaks down what most people find confusing &mdash; Medicare Supplements, Advantage Plans (HMO &amp; PPO), Part B premiums, and how to truly tailor your healthcare coverage to your life and budget. Whether you&rsquo;re turning 65 soon, helping a loved one enroll, or just want to save hundreds per month on your current plan, this conversation delivers real value.
You&rsquo;ll hear:
<ul data-start="943" data-end="1410">
<li data-start="943" data-end="1034">
The three tiers of Medicare coverage &mdash; from &ldquo;Cadillac&rdquo; plans to value-focused options
</li>
<li data-start="1035" data-end="1126">
Why choosing the right doctor network matters more than perks like free gym memberships
</li>
<li data-start="1127" data-end="1191">
How Patrick saved one client $100/month with a better-fit plan
</li>
<li data-start="1192" data-end="1263">
Why October 15 &ndash; December 7 is your golden window to make changes
</li>
<li data-start="1264" data-end="1342">
The risks of going uninsured &mdash; and why some decisions can cost you thousands
</li>
<li data-start="1343" data-end="1410">
Tips for staying healthy in retirement and how your plan can help
</li>
</ul>
It&rsquo;s an informative, eye-opening, and surprisingly entertaining look at the real cost of healthcare &mdash; and how to take control of it.
📌 Whether you&rsquo;re in Sarasota, Bradenton, Tampa or anywhere in Florida &mdash; this episode is for you.

In a world inundated with pessimism and defeatist narratives, "Work, Time & Effort" emerges as a beacon of hope and a testament to the enduring American spirit. As the voice behind the "Watchdog on Wall Street" program, Chris Markowski has witnessed firsthand the resilience and ingenuity that defines true entrepreneurship. This show is his response to the pervasive negativity that has clouded our perception of success and opportunity in America.

In a world inundated with pessimism and defeatist narratives, "Work, Time &amp; Effort" emerges as a beacon of hope and a testament to the enduring American spirit. As the voice behind the "Watchdog on Wall Street" program, Chris Markowski has witnessed firsthand the resilience and ingenuity that defines true entrepreneurship. This show is his response to the pervasive negativity that has clouded our perception of success and opportunity in America.

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