{"podcast":{"title":"Insurance Exam Prep","slug":"insurance-exam-prep-7644557","podcast_index_feed_id":7644557,"rss_url":"https://feeds.captivate.fm/insurance-exam-prep/","website_url":"https://open-exam-prep.com/","image_url":"https://artwork.captivate.fm/50cd425f-ffca-47b8-ad44-91c46cf94dc0/20260105-1554-Insurance-Exam-Prep-Logo-simple-compose-01ke89b3v.png","author":"Ran Chen, EA, CFP®","episode_count":252,"summary":"Insurance Exam Prep is a daily podcast designed to help future insurance professionals pass their licensing exams with clarity and confidence. Built and operated by OpenExamPrep, this podcast breaks down insurance licensing exams into focused, easy-to-digest episodes covering Life Insurance, Health Insurance, and Property & Casualty, across both the national portion and state-specific requirements. Each episode targets one key concept, common exam trap, or high-frequency test topic—making it ideal for studying during commutes, workouts, or short study sessions. Created by Ran Chen, EA, CFP®, a financial professional and exam specialist who has personally passed multiple professional licensing exams, Insurance Exam Prep was developed from firsthand experience with how complex—and often poorly taught—insurance exam material can be. The goal is simple: make insurance exam preparation clearer, more accessible, and more effective through structured explanations and modern learning tools. Whether you’re preparing for a Life, Health, or P&C exam, just starting your licensing journey, or reviewing before test day, this podcast is designed to guide you step by step—one concept at a time. F…","last_synced_at":"2026-09-21T02:17:52.561385+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557"},"episode":{"title":"AHIP Medicare Exam Prep 25, Current Part D Benefit Phases and Cost Sharing","slug":"ahip-medicare-exam-prep-25-current-part-d-benefit-phases-and-cost-sharing","published_at":"2026-09-10T23:26:01+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/ahip-medicare-exam-prep-25-current-part-d-benefit-phases-and-cost-sharing","show_page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557","url":"https://open-exam-prep.com/","audio_url":"https://episodes.captivate.fm/episode/af969e5e-12ea-4323-8e57-677f1ef57b36.mp3","summary":"This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The current CMS standard Medicare Part D structure features three benefit phases (deductible, initial coverage, catastrophic coverage), completely eliminating the legacy coverage gap or donut hole. - Maximum standard deductible caps are set by CMS at $590 in 2025 and $615 in 2026, after which beneficiaries pay 25% cost-sharing under defined standard benefit design. - Beneficiary out-of-pocket spending is capped at the True Out-of-Pocket (TrOOP) threshold of $2,000 in 2025 ($2,100 in 2026). - Beneficiaries pay $0 cost-sharing in the catastrophic coverage phase, as the former 5% coinsurance requirement has been eliminated. - TrOOP calculations include beneficiary out-of-pocket costs and manufacturer discounts for covered drugs, but strictly exclude plan premiums and non-formulary drug costs. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep","meta_description":"This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionat…","key_points":[],"chapters":[],"topics":[],"duration_seconds":248,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/ahip-medicare-exam-prep-25-current-part-d-benefit-phases-and-cost-sharing/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/ahip-medicare-exam-prep-25-current-part-d-benefit-phases-and-cost-sharing.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}