The Medicare Analyst

The Medicare Analyst Make a wise and confident decision about protecting your income, assets, savings and health. Mr. Chris Prang has had an interesting and diverse background.

๐ˆ ๐ก๐ž๐ฅ๐ฉ ๐ฒ๐จ๐ฎ ๐ฆ๐š๐ค๐ž ๐š ๐ฐ๐ข๐ฌ๐ž ๐š๐ง๐ ๐œ๐จ๐ง๐Ÿ๐ข๐๐ž๐ง๐ญ ๐๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง ๐š๐›๐จ๐ฎ๐ญ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐ข๐ง๐œ๐จ๐ฆ๐ž, ๐š๐ฌ๐ฌ๐ž๐ญ๐ฌ, ๐ฌ๐š๐ฏ๐ข๐ง๐ ๐ฌ ๐š๐ง๐ ๐ก๐ž๐š๐ฅ๐ญ๐ก ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ž ๐ซ๐ข๐ ๐ก๐ญ ๐Œ๐ž๐๐ข๐œ๐š๐ซ๐ž ๐š๐ง๐ ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐ฌ๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ.โฃ

Chris Prang is The Medicare Analystโ„ข. Mostly self-employed in his adult life, heโ€™s been an Automotive Buying Consultant, Real Estate Agent, Mortgage Analyst and even had a cleaning and handyman business when times were tough financiall

y. For over eleven years now, Chris has provided Medicare and Retirement insurance solutions for thousands of people like you throughout Virginia. When asked how and why he got involved in โ€œsellingโ€ insurance he said:

โ€œPrior to the insurance opportunity, I was trying to make ends meet with a cleaning and handyman business. At that time I was desperate for a job to provide for my family. No one would hire me. I was either way over qualified or simply didnโ€™t meet the requirements for the jobs I was seeking. I had been in sales and marketing most of my life and really just wanted a regular job with consistent income. I was not interested in pursuing another โ€˜salesโ€™ job.โ€

Prang goes on to say:

โ€œIt was during this time that we had some friends over for dinner. During our dinner conversation, my friend asked me what I was doing and I told him. He said โ€˜you know, the company I work for is looking for part-time agents to help out and itโ€™s been a good opportunity for me and my familyโ€ฆyou should check it out.โ€™ So I did. I had to quickly jump through some hoops to take advantage of the opportunity. I met with a manager, took an insurance licensing class, took and passed the state of Virginiaโ€™s insurance licensing exam, then proceeded to takes lots of certification courses before I could finally go out and โ€˜sellโ€™ insurance.โ€

When asked whether or not he had any interest in selling insurance, he said:

โ€œI had no interest at all in selling Medicare and Retirement insurance. But, as it has turned out, it was one of the best decisions Iโ€™ve made. I truly enjoy what I do because I get to go out and meet people in their homes and help provide them with the answers and solutions they are looking for when it comes to their proper insurance coverage. And I know that the majority of my clients truly appreciate what I do and have done for them. I even had one client ask me if I would still be his agent if he moved to another state. When I told him that I could not, he said: โ€˜You not being my agent may be a deal breaker for me moving. I donโ€™t want another agent unless I am forced. I may not move if it makes me have to change what I am satisfied with.โ€™โ€

Now at the age of 57, Chris resides in Charlottesville, Virginia with his wife and three childrenโ€ฆtwo who are young adults and one who thinks sheโ€™s an adult already! His hobbies include writing, theology, history, economics and personal development, playing guitar and writing songs, doing hands-on work, golfing, hiking and camping. Perhaps the most unique thing about Mr. Prang is that for years he thought he was adopted and only within the past five years did he confirm that through DNA testing. The positive news from this was that he discovered both his biological father (who had no idea he existed) and his biological mother (who was ecstatic that he found her). And yes, he has considered writing a book about this too.

09/01/2026

Your Power of Attorney Won't Work With Medicare (Do This Instead)

Most people assume their Power of Attorney lets them handle Medicare or Social Security for a parent or spouse. It doesn't. I learned this the hard way with my own mom โ€” I had POA, and Medicare and Social Security still wouldn't talk to me.

In this video, I cover the forms every Medicare beneficiary (and their family) should have on file before you need them:

โœ… SSA-1696 โ€“ Appointment of Representative (Social Security)
โœ… CMS-1696 โ€“ Appointment of Representative (Medicare)
โœ… A Release/Authorization to Disclose Personal Health Info form โ€” usually available through your Medicare Supplement, Part D, or Medicare Advantage plan

๐Ÿ”— FORMS:
SSA-1696 online: https://secure.ssa.gov/ssa1696/front-end/
SSA-1696 PDF:https://www.ssa.gov/forms/ssa-1696.pdf
CMS-1696 page: https://www.cms.gov/medicare/cms-forms/cms-forms/cms-forms-items/cms012207
CMS-1696 PDF:https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms1696.pdf

And if you don't have your estate documents โ€” a will, living will, and power of attorney โ€” get those done too. They're not expensive, and they matter.

๐Ÿ“ž Need help with your Medicare Supplement, Medicare Advantage, Part D plan, or retirement insurance? Licensed in 17 states โ€” reach out for the right fit for YOUR needs and budget:
๐Ÿ“ž 434-278-7234 | ๐Ÿ“ง [email protected] | ๐ŸŒ TheMedicareAnalyst.com
๐Ÿ“… Schedule a call: https://themedicareanalyst.com/calendar/

*Calling/contacting me will direct you to a licensed agent, licensed in AZ, CA, FL, GA, IL, MD, MI, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA.

Educational purposes only, not investment or legal advice. Not affiliated with Medicare or the U.S. government. Full disclaimer: https://themedicareanalyst.com/youtube-marketing-disclaimer/

08/29/2026

Even A PhD Economist DIDN'T PICK The "Best" Medicare Plan โ€” Here's Why

๐Ÿ“… Schedule a Consultation Call:
https://themedicareanalyst.com/calendar/

โœ… ๐Ÿ“ž Call Me: 434-278-7234
E-mail: [email protected]

โœ… Visit my website ๐ŸŒ: TheMedicareAnalyst.com for more info and to contact me and schedule an appointment.

https://www.linkedin.com/in/themedicareanalyst/

https://www.facebook.com/TheMedicareAnalyst/
*Calling/Contacting me will direct you to a licensed agent.

โ–ถ๏ธ YouTube: Subscribe & Check out my videos on Medicare and Retirement Insurance
https://www.youtube.com/

โœ… States Iโ€™m licensed in:
โ€ข Arizona
โ€ข California
โ€ข Florida
โ€ข Georgia
โ€ข Illinois
โ€ข Maryland
โ€ข Michigan
โ€ข New York
โ€ข North Carolina
โ€ข Ohio
โ€ข Oregon
โ€ข Pennsylvania
โ€ข South Carolina
โ€ข Tennessee
โ€ข Texas
โ€ข Virginia
โ€ข Washington

This video is for information and educational purposes.

I/The Medicare Analyst is a โ€œnon-government entity.โ€ Medicare/CMS has neither reviewed nor endorsed this information. I am not connected with, employed by or endorsed by Medicare/CMS and/or the United States government. When you contact me, you will be contacting a licensed insurance agent. i

โ€œI/We may not or do not offer every plan available in your area.
Currently I/we represent a dozen plus organizations which offer dozens of products in your area. Please contact https://www.Medicare.gov, 1-800โ€“MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.โ€

08/25/2026

My Client's Medicare Supplement Premium Jumped 29% In ONE Year!

08/24/2026

This Bill Could Cripple Medicare Advantage To "Save" Medicare - I Read Both Sides

08/22/2026

Stuck With A Doctor Who Won't Take Your Supplement? WATCH THIS FIRST!

๐Ÿ“‹ What I cover:
โœ… How the Medicare claims crossover process actually works
โœ… What to do in the rare case a provider won't deal with your specific Supplement carrier
โœ… What happens if you already paid your share out of pocket

๐Ÿ“š Learn more about the claims crossover process straight from CMS:
https://www.cms.gov/outreach-and-education/mln/wbt/mln7388180-mln-wbt-1450/1450/lesson05/31/index.html

Have you ever run into a provider that wouldn't deal with your Medicare Supplement company? Drop a comment and let me know which company and what state โ€” I'd love to hear about it!

ยฉ Medicare Claims Crossover | 2026| The Medicare Analystโ„ข | All Rights Reserved

๐Ÿ“… Schedule a Consultation Call:
https://themedicareanalyst.com/calendar/

โœ… ๐Ÿ“ž Call Me: 434-278-7234
E-mail: [email protected]

โœ… Visit my website ๐ŸŒ: TheMedicareAnalyst.com for more info and to contact me and schedule an appointment.

https://www.linkedin.com/in/themedicareanalyst/

https://www.facebook.com/TheMedicareAnalyst/
*Calling/Contacting me will direct you to a licensed agent.

โ–ถ๏ธ YouTube: Subscribe & Check out my videos on Medicare and Retirement Insurance
https://www.youtube.com/

โœ… States Iโ€™m licensed in:
โ€ข Arizona
โ€ข California
โ€ข Florida
โ€ข Georgia
โ€ข Illinois
โ€ข Maryland
โ€ข Michigan
โ€ข New York
โ€ข North Carolina
โ€ข Ohio
โ€ข Oregon
โ€ข Pennsylvania
โ€ข South Carolina
โ€ข Tennessee
โ€ข Texas
โ€ข Virginia
โ€ข Washington

This video is for information and educational purposes.

I/The Medicare Analyst is a โ€œnon-government entity.โ€ Medicare/CMS has neither reviewed nor endorsed this information. I am not connected with, employed by or endorsed by Medicare/CMS and/or the United States government. When you contact me, you will be contacting a licensed insurance agent. i

โ€œI/We may not or do not offer every plan available in your area.
Currently I/we represent a dozen plus organizations which offer dozens of products in your area. Please contact https://www.Medicare.gov, 1-800โ€“MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.โ€

08/17/2026

Watch Her Faint Over Her New Medicare Supplement Bill โ€” 2026 Rate Update"

08/15/2026

Clients Medicare Supplement ACCIDENTALLY TERMINATED! Now What?

A husband-and-wife Medicare Supplement policy got canceled by HealthSpring โ€” but neither client ever called to cancel it. In this video, I walk through exactly what happened, how a routine 30-day follow-up caught the problem before it became a real issue, and how we got the policy reinstated with zero coverage gap.

This kind of thing is rare โ€” I'd never seen it happen before. But it's exactly why I check in on every client after their policy starts, and why having someone in your corner matters when the insurance company makes a mistake.

ยฉ Medicare Supplement Accidentally Terminated | 2026| The Medicare Analystโ„ข | All Rights Reserved

๐Ÿ“… Schedule a Consultation Call:
https://themedicareanalyst.com/calendar/

โœ… ๐Ÿ“ž Call Me: 434-278-7234
E-mail: [email protected]

โœ… Visit my website ๐ŸŒ: TheMedicareAnalyst.com for more info and to contact me and schedule an appointment.

https://www.linkedin.com/in/themedicareanalyst/

https://www.facebook.com/TheMedicareAnalyst/
*Calling/Contacting me will direct you to a licensed agent.

โ–ถ๏ธ YouTube: Subscribe & Check out my videos on Medicare and Retirement Insurance
https://www.youtube.com/

โœ… States Iโ€™m licensed in:
โ€ข Arizona
โ€ข California
โ€ข Florida
โ€ข Georgia
โ€ข Illinois
โ€ข Maryland
โ€ข Michigan
โ€ข New York
โ€ข North Carolina
โ€ข Ohio
โ€ข Oregon
โ€ข Pennsylvania
โ€ข South Carolina
โ€ข Tennessee
โ€ข Texas
โ€ข Virginia
โ€ข Washington

This video is for information and educational purposes.

I/The Medicare Analyst is a โ€œnon-government entity.โ€ Medicare/CMS has neither reviewed nor endorsed this information. I am not connected with, employed by or endorsed by Medicare/CMS and/or the United States government. When you contact me, you will be contacting a licensed insurance agent. i

โ€œI/We may not or do not offer every plan available in your area.
Currently I/we represent a dozen plus organizations which offer dozens of products in your area. Please contact https://www.Medicare.gov, 1-800โ€“MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.โ€

All trademarks and logos are the property of their respective owners and are used in this video for identification, commentary, and educational purposes only, with no affiliation or endorsement implied.

08/13/2026

CBS News Tried to Explain Medicare... and Made It More Confusing (Reaction & Fact-Check)

08/11/2026

This Law Just Forced an Insurance Company OUT of 3 States!

Medico/Wellabe a wonderful insurance company based in Iowa is ceasing operations in three states due to Medicare Supplement Birthday Rules.

Birthday Rule laws mandate that an insurance company has to accept any existing Medicare Supplement policy holder regardless of past or present health conditions. These laws are great for some, but forces everyone in the end to pay more.

ยฉ Medico Wellabe Leaves Three States | 2026| The Medicare Analystโ„ข | All Rights Reserved

๐Ÿ“… Schedule a Consultation Call:
https://themedicareanalyst.com/calendar/

โœ… ๐Ÿ“ž Call Me: 434-278-7234
E-mail: [email protected]

โœ… Visit my website ๐ŸŒ: TheMedicareAnalyst.com for more info and to contact me and schedule an appointment.

https://www.linkedin.com/in/themedicareanalyst/

https://www.facebook.com/TheMedicareAnalyst/
*Calling/Contacting me will direct you to a licensed agent.

โ–ถ๏ธ YouTube: Subscribe & Check out my videos on Medicare and Retirement Insurance
https://www.youtube.com/

โœ… States Iโ€™m licensed in:
โ€ข Arizona
โ€ข California
โ€ข Florida
โ€ข Georgia
โ€ข Illinois
โ€ข Maryland
โ€ข Michigan
โ€ข New York
โ€ข North Carolina
โ€ข Ohio
โ€ข Oregon
โ€ข Pennsylvania
โ€ข South Carolina
โ€ข Tennessee
โ€ข Texas
โ€ข Virginia
โ€ข Washington

This video is for information and educational purposes.

I/The Medicare Analyst is a โ€œnon-government entity.โ€ Medicare/CMS has neither reviewed nor endorsed this information. I am not connected with, employed by or endorsed by Medicare/CMS and/or the United States government. When you contact me, you will be contacting a licensed insurance agent. i

โ€œI/We may not or do not offer every plan available in your area.
Currently I/we represent a dozen plus organizations which offer dozens of products in your area. Please contact https://www.Medicare.gov, 1-800โ€“MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.โ€

All trademarks and logos are the property of their respective owners and are used in this video for identification, commentary, and educational purposes only, with no affiliation or endorsement implied.

Full Social Media Marketing Disclaimer Found Here: https://themedicareanalyst.com/youtube-marketing-disclaimer/

08/06/2026

The Best Medicare Supplement Plan Mathematically

Which Medicare Supplement plan is mathematically best over 20 years โ€” Plan G, Plan N, or High-Deductible Plan G? Most comparisons only look at today's premium. This video runs the full 20-year math based on real premium trends and healthcare utilization.

In this video, I break down:
โœ… Current & average nationwide premiums for Plan G, Plan N, and HD-G
โœ… Historical premium growth rates (and why compounding is the hidden killer)
โœ… Four real-world health utilization profiles โ€” from "truly healthy" to "high utilizer"
โœ… What happens if you invest the premium savings instead of spending it
โœ… My FREE 20-Year Medicare Supplement Cost Comparison Calculator, so you can run your own numbers

The short version: for a healthy person entering Medicare at 65, HD-G's savings gap vs. Plan G can grow to over $40,000 by year 20. But the right plan depends on your health profile โ€” this video shows you how to find your crossover point.

๐Ÿ”— Try the FREE calculator here: https://themedicareanalyst.com/medicare-supplement-cost-comparison/

๐Ÿ“ž Want a personalized review of your specific health profile, state, and carrier options? Book a free, no-pressure consultation: https://themedicareanalyst.com/calendar/

ยฉ Best Medicare Supplement Mathematically | 2026| The Medicare Analystโ„ข | All Rights Reserved

โœ… Let's Connect:
๐Ÿ“ž Call Me: 434-278-7234
๐Ÿ“ง Email: [email protected]
๐ŸŒ Website: TheMedicareAnalyst.com

๐Ÿ“… Schedule a Consultation Call:
https://themedicareanalyst.com/calendar/

Facebook https://www.facebook.com/TheMedicareAnalyst/
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โ–ถ๏ธ YouTube: Subscribe & Check out my videos on Medicare and Retirement Insurance
https://www.youtube.com/

*Calling/Contacting me will direct you to a licensed agent.

โœ… States I'm licensed in:

Arizona
California
Florida
Georgia
Illinois
Maryland
Michigan
New York
North Carolina
Ohio
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington

โฑ๏ธ Timestamps:
0:00 โ€“ Why the 20-year question matters
03:32 โ€“ Plan G vs Plan N vs HD-G: the basics
07:06 โ€“ The premium numbers over 20 years
08:10 โ€“ Your health profile changes everything
16:23 โ€“ The full 20-year cost comparison
17:36 โ€“ What your savings could grow into
19:49 โ€“ Which plan is right for you

All trademarks and logos are the property of their respective owners and are used in this video for identification, commentary, and educational purposes only, with no affiliation or endorsement implied.

Limited portions of a third-party presentation are used under fair use for commentary, criticism, and educational purposes; all rights belong to the original owner and no affiliation or endorsement is implied.

Full Social Media Marketing Disclaimer Found Here: https://themedicareanalyst.com/youtube-marketing-disclaimer/

This video is for educational purposes only and does not constitute investment advice. ETF returns shown are based on historical averages; past performance does not guarantee future results. Investing involves risk including possible loss of principal. Consult a licensed financial advisor before making investment decisions. Medicare Supplement Birthday Rule laws vary by state. I am a licensed insurance agent/broker โ€” not affiliated with Medicare or the U.S. government.

โš ๏ธ Growth/investment projections in this video are illustrative only and not financial advice. Consult a qualified financial or tax advisor before making investment decisions.

๐Ÿ“Š DATA SOURCES & REFERENCES

[1] CMS โ€” Chronic Conditions Among Medicare Beneficiaries Chartbook
https://www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/chronic-conditions/2012chartbook

[2] CMS โ€” Chronic Conditions Methodological Overview
https://data.cms.gov/sites/default/files/2021-01/Medicare%20Chronic%20Conditions%20Methodology%202020.pdf

[3] Annals of Internal Medicine โ€” Barnett et al. (Outpatient Care Trends)
https://www.acpjournals.org/doi/abs/10.7326/m21-1523

[4] AHRQ / HCUP โ€” Hospital Inpatient Stays by Age and Payer
https://www.ncbi.nlm.nih.gov/books/NBK487974/

[5] AHRQ / HCUP โ€” Hospital Stays: Medicare Advantage vs. Traditional Medicare
https://hcup-us.ahrq.gov/reports/statbriefs/sb198-Hospital-Stays-Medicare-Advantage-Versus-Traditional-Medicare.pdf

[6] AHRQ โ€” Healthcare Cost and Utilization Project (HCUP)
https://www.ahrq.gov/data/hcup/index.html

[7] PubMed / Annals of Surgery โ€” Liao et al. (Major Surgery in Older Adults)
https://pubmed.ncbi.nlm.nih.gov/34261884/

[8] CMS โ€” Medicare Part B Costs 2026
https://www.cms.gov/medicare/your-medicare-costs/part-b-costs

[9] CMS โ€” Medicare & You 2026
https://www.medicare.gov/medicare-and-you

[10] CMS โ€” Medicare Advantage 2026
https://www.cms.gov/medicare/health-drug-plans/medicareadvantage

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