6 Things Medicare WONT cover!
Вставка
- Опубліковано 10 лип 2024
- Did you know 9 in 10 seniors are happy with their Medicare coverage? That’s the good news. The bad news is that Medicare doesn’t cover everything, and in fact, some benefits you’re accustomed to with private group health plans aren’t included in Part A and Part B.
It’s important to comparison-shop your options before you choose your Medicare path. For some people, Original Medicare with Medigap and supplemental companion plans for vision, dental, and hearing make the most sense. For others, an all-in-one Medicare Advantage plan offers the most cost-effective coverage.
Let's dive into the 6 things Medicare won't cover!
Start (00:00)
#1 (0:25)
#2 (1:55)
#3 (3:06)
#4(4:34)
#5 (6:09)
#6 (7:02)
Blog version of this video:
boomerbenefits.com/medicare-w...
Order 10 Costly Medicare Mistakes You Can't Afford to Make HERE:
www.amazon.com/dp/B08GL4FSWC
tenmedicaremistakes.com/
boomerbenefits.com/10-costly-...
GUIDING YOU THROUGH MEDICARE SO YOU CAN MAKE CONFIDENT HEALTHCARE DECISIONS!
WE SPEAK MEDICARE
#MedicareCoverage #WhatMedicareWontCover #Medicare
SUBSCRIBE:
Did you learn something new from this video? Subscribe for more helpful Medicare videos! Be sure to hit the bell to be notified when we publish our new Medicare videos:
Boomerbenefits.link/subscribe
CONTACT US:
We are licensed in 49 states (we aren't licensed in NY), and we are a top-producing, award-winning agency with over 15,000 5-star reviews from Medicare beneficiaries just like you. Plus, our services are 100% FREE! To learn more, call us at 817-249-8600 or fill out our form on:
boomerbenefits.com
FREE MEDICARE WEBINAR:
New to Medicare? Attend our FREE Medicare 101 Webinar:
boomerbenefits.com/medicare-1...
FREE MEDICARE VIDEO COURSE:
Get our FREE 6-Day Medicare Video Email course with a bonus Medicare cost worksheet: boomerbenefits.com/learn-medi...
FACEBOOK MEDICARE Q&A GROUP:
Join our exclusive Medicare Q&A Facebook group to have your questions answered by Danielle and her team:
/ boomerbenefits
LET’S CONNECT:
/ boomerbenefits
/ boomerbenefits
/ boomerbenefits
/ boomerbenefits
~-~~-~~~-~~-~
Watch next: "What Does Medicare Part A Cover?"
• What Does Medicare Par...
~-~~-~~~-~~-~
I think Medicare is the most confusing thing/subject in life 😂😞
We totally understand - all the information is overwhelming and the What Ifs are even worse. We have created several free resources to help you understand every in and out of Medicare, so you go into it making a decision that you're confident in. Here are some of our free resources:
boomerbenefits.com/learn-medicare
boomerbenefits.com/webinars
ua-cam.com/users/boomerbenefits
facebook.com/groups/boomerbenefits
tenmedicaremistakes.com/
We hope these will help you.
Feel free to give us a call as well as we are a Medicare brokerage that is licensed in 48 states and represent 30+ carriers. There is also no charge for our services! Our phone number is 817-249-8600.
When the Government tells the American "they CARE about your health"...what a dang joke!!!
RUN!
Think of the 40 million that are now covered.
The problem, 🤔 a black man provided it.
As an RN I worked on a Utilization Review team and we always said that Medicare doesn't care if you can chew, hear or see!
Medicare doesn't pay more because both the current workers and those retired don't want to pay for it. As a health care professional, this is important to know. Don't get hooked into any conspiracy theory junk. But I certainly feel your pain, when you want to help people and you can't.
I hear young folks scream “Medicare for all”! 😖
@@melindaunknown6411 Arithmetic and political philopshy
Medicare also doesn’t care if you break anything above the waist. If you break both arms, you hire help in home. Jeanne (retired RN)
@@cametientaucoeur Medicare will pay for personal care issues as long as it is currently paying for a skilled intervention. It will not pay for home making issues.
In other words, most of us are completely screwed.
Q T, You tell me!
I'd like one last true screw before I go (a screw of my own choosing, and I'll pay top dollar). After that SCREW you, you globalist elitists who most likely think God is on your side as the idiot in the WH attends Sunday mass, you all can go screw yourselves. Screw onto others as they would screw onto you. If God opposes my message, then He'd best get to work to REMOVE THE GREED.
Not if you bothered to accumulate savings. What, you spent it all?
@@darylfoster7944 why would you want to spend your hard-earned savings on medical care when you've been paying into a system your entire working life?
@@roadrunner40 Really? How much does the average person pay in? You and your employer pay 2.9% of annual salary, which for most people is maybe $1500 a year, $60k for their entire life. Why would you expect all expenses paid medical, dental, vision for the rest of your life for $60k? Insurance is for catastrophes, not for routine care. As I wrote before, where are your savings?
Our insurance care system is a disaster for all except the insurance companies.
Obamacare was the insurance companies gold mine.
@@xltek1
It wasn't in my case.
The years that I applied for obamacare, even though I had low income, they wanted to charge me high premium and with *_$6000 deductible_* (6 thousand, not 6 hundred). And that premium got higher year after year. I used to wonder how they can call it _"affordable"_ . I couldn't afford it.
I didn't buy it and got penalty from IRS but it was much cheaper $95/y. Thank God, I was healthy and didn't have any health issue at the time.
I remember my friend didn't believe $6000 deductible, I had to login and search for obamacare and show her on computer screen. She was surprised and said her insurance through her employer had much lower deductible.
Now, I have Medicare.
@@CL-mp4vn that’s what I mean. The insurance companies got richer. Guaranteed profits, it had nothing to do with making the actual cost of medical less. Our premiums went up $2500 per year because my Union retiree plan wasn’t compliant with Obamacare. I could get an abortion covered afterwards that I couldn’t before. I am a human male.
No one pressures Universal health care! It's a shame.
Said the person of priveledge !!!!!
What the hell are we paying for then. Everything I need it won't pay for . I have been paying for this crap for years. Our Eyes and Teeth are just as important as anything else. They really need to get it together and know what real people really need.
We r paying the CABAL...system!!
Once again, another person who doesn't understand the purpose of insurance. The ONLY purpose of insurance is protect you from a catastrophic event. It is not for eye exams and teeth cleaning. You pay those things out of your own pocket. Homeowners insurance isn't for a running toilet, it's for when your house burns down. Here's a novel concept. Try setting aside money every month for routine medical expenses. Better yet, have a high deductible insurance plan so you can contribute tax free money to an HSA. It's mind boggling to me how uneducated people are about insurance and finances.
You are some right!
Gee, who’d think we seniors would need PERSCRIPTIONS🤣
*Correct spelling: "Prescriptions". That's why there's "Medicare Part D" (Standalone Prescription Drug Plan coverage -which is perfect and flawless!) ; as well as "Medicare Advantage Plans that include prescription coverage (if one switches to "Medicare Part C/ HMO"). The formularies and conditions/restrictions are always reasonable...
....(cont'd) and without hassle; and: prior authorization/requests for exceptions to formulary restrictions are almost always approved with 24-72 hours without hesitations and without health problems for seniors and the disabled with Medicare Part D and/or Medicare Advantage plans...
...(con'td)...in fact, there are very few ER visits from medication access problems since everything runs so smoothly!
Use drugs that are out of the 17yr. patent that go generic. My $ 487 / 4x yr prescription now costs (w/ GoodRX Card) $ 27 / 4x yr.
I will not see, will not hear and will not have teeth with Medicare coverage. How wonderful!
I bought a dental discount plan from Aetna that helps a lot. For vision and hearing, I’ll just pay the price. I hope you might be able to do this.
I bought AAA life insurance at about $46.00 a month, two years later it jumped to $92.00 a month...I cancelled the policy. Insurance premiums are subject to change without notice.
Read the contract.
@@lindap.p.1337 ......I did. It said nothing about doubling every two years.
Same here
I noticed this significant jump in price too
Stuck with it, Cannot get it from any other place,, Hate these commercials where they say we do not ask medical questions when applying for life insurance, The first thing they do is ask medical questions
Kinda feel shafted don't you?
So true
Definitely
If you really wanted everything covered, then you’re taxes while working would have been really high.
James....all our lives we are scammed and screwed !
Yup
Man I, don't want to get old , look what you don't get and it is what it is.And it proby won't change. God Bless everyone, Happy Retirement,
I'm already old and it pisses me off, thanks to the oligarchy running the country
@@anony-ic3pz I, know because they don't no how we have to streach our dollars,Happy Holiday's and God Bless, I'm getting up in my age and I, am not looking forward to Retirement.
Oh it’s gonna change alright.
Thanks for the information. Im 73, getting up there.
Health care in this country is a crock. We pay sky high medical coverage our whole working life while we are young and healthy. We also pay into Medicare for 30-40 years, just to find out pretty much everything is not coverages. Thus we have to pay for expensive supplements to Medicare.
Health care in America is top notch. Health insurance on the other hand, sucks. There's a difference.
A four trillion dollar heist!
@@stevenbass732 How much you rely on health care? I don’t think that a health care where a doctor doesn’t touch you before they check your health insurance can be called as top notch. I living in a country where the health care paid from taxes and I’m still not happy with it, thought the native population has a great pride of the national health care system, called NHS. I came from Hungary where we have also health care paid by taxpayers and despite that the last government in the past 10+ years destroyed quite a bit from our health system and the country generally not considered as a wealthy country, we still have better doctors, nurses and the system as such working better. If we would have that’s much money what the NHS or even the US health care has, even just proportionally, we could make miracle... to just hear this video is mortifying. I would not live in the US if they would pay for me a million dollars!
@@fabolvaskarika7940 Actually, that's not quite true. By law, you, as a patient, cannot be refused treatment if you don't have health insurance.
@@stevenbass732 as far as I know it’s only the case if you have a life threatening illness or accident... am I correct?
And people think Medicare for all is free health insurance
It is nor free Healthcare. We, workers of America paid for 40 years to receive the poor care Medicare gives us out of every check we were forced to pay. Illegals, college students, those who never tried to work are demanding we give them free what all of us were forced to pay for 40+ years.
@@kathyrogers2065 Yes, although we paid into it, we are still paying for it. When we get a cola in our Social Security checks our Medicare premiums increase. So the point in getting a cola is to help the insurance companies remain wealthy.
Nothing will be free. Any money for any expenses has to come from somewhere.
@@ChrisW228 True but getting rid of the insurance company's slice of that pie would reduce the cost by at least 33%.
@@danmcqueen5295 Absolutely. No argument. But it still won’t be free, and that’s all I was saying. :)
Depressing. You and your employer paid for this all your working life. You should get much better and it shouldn’t cost you anything. You’ve already paid.
PK Haze….girl, you said it! My daughter is in Uganda, and a tube of Retin-A is $6! Here, it’s $145…..it’s insane!
Yes, the U.S. has the worst drug pricing!
Have learned so much through this forum!
Thank you for posting this video!
I work for a insurance company and most people don’t read their plan information. And people advise that their agents don’t go over this information. This is a great video. 👏
It is a pirate robbery set up.
Why do you say this. You know we have to pay for the illegals ,This is part of that .Take from peter to pay Pau Remember .But don't worry they have a public place to put your ashes in with the rest that can't survive all this reduction. Oh and please pass this news to all you know. Don't stress it only adds to your distress as you walk into the fire.
Oh and Good Luck.
@@brendamcinnis1430 medicare or medi#:! Is a cardinal sin of ameeica.
That is ridiculous.
What the hell are we paying for. Part is is useless..
All health care costs should be covered for everyone. We live in the richest country on earth. No one should have to go without needed health care.
Amen
Health Care in all advanced countries except USA is guaranteed for life and costs 1/2 of USA costs. Why? B/c other countries made it a government program.But USA let insurance companies do it. Result is thousands of plans all with different policies, This result in 20% overhead to report claims, etc Doctors hate this waste of time and money. And of course insurance must have their 20% overhead toe increase wealth of executives at expense of. All patients!!! However Medicare is very effective. It has 3% overhead compared to 20% for insurance companies
One of the problems is that so many people have different definitions of what “needed medical care” is.
Does that include the unvaccinated? Why would you want healthcare as a weapon in the hands of the govt?
@@FloGrown863 aww aww
No
I suspect the entire idea is to make it so complicated the public will agitate more and more for full coverage through Medicare for everything. Or am I just paranoid???.
Well explained. Thank you.
Too much BS to deal with as you age.
I am in constant pain with the teeth, they're rotting in my mouth and I did take care of them when working. Now the price of even an extraction, especially when a crown is involved or white fillings breaking off because of old age, I take antibiotics and can't even eat right anymore. I am in agony. The dental plans are a scam and most only allow 1200.00 a year!
@@angelfirelite I obviously dont know where you live, but if your anywhere near Mexico, they will pull them for about 1/4 the price. You have to get them out of there, your being poisoned slowly. Had mine removed in my early 40s, best thing I ever did. My heart was being poisoned. Get it done. It will extend your life.
@@charlesmiller5078 ....I know and not only that I have a red bruise like lump in my breast going on two years now, it hurts on and off. It feels better when I put heat on it. I was in a terrible car accident, a woman was on a tablet and headed right toward me head on, it was a near fatal car accident. At this point, I just give up, I am 73 now and really am done and finished with this wicked world!
@Margaret Mika, Yes , it's Bull Crap ! ❤️👍
@@angelfirelite I had a friend whos dad had a similar situation. He had his remaining teeth extracted and got full mouth dentures....he said it was a lot cheaper....don't know how much.
I have metacaid and medicare, ssdi, and get 2400$ in dental per year, yet dental office in Arkansas want 600$ from me before they do a simple cleaning, this is the problem with the system, it's broken.
Yet you demand nothing from the politicians while they live with the best of free medical care and pensions for life. Once they die their spouses get the same for life. Life is a bitch.
How are supposed the old and the sick to keep up with that BS ...
They are not and that is what the government banks on!
They just want us to die Jacqueline!
I go to Germany for my cancer and heart disease treatment , it's 1% of the cost for my medical expenses.., without insurance , .don't get me wrong , I love this country, it's beautiful, I love Americans, but if I want to live I have to outsource my health care..
@@angelfirelite thats why they want the seniors to be the guniea pigs on the vaccine first, they don't know if it is even going to work.
@@lifecontent6525 ...They don't work and they already proved it when they gave the shots to Young people, look at what happen to the nurse who was a young lady! They really want the young to die first, they like to reprocreate ya know!
In May of 2015, my 78 year old mother visited a doctor for pain in her back. The doctor had X-rays taken of her back and at the edge of one X-ray film he noticed a dark mass. He then ordered an MRI and found a tumor growing in one of her kidney. We rush her to see a doctor who specialized in kidney cancer and he was so alarmed by the size of the tumor he operated on her within 2 weeks (part of the time was spent to get clearance for surgery from her cardiologist) and it saved her life. What does this have to do with Medicare? Medicare denied payment for the MRI and declared it "an unnecessary procedure" and my family had to pay over $7,050 for it. It was the MRI that found and confirmed the tumor and ,yet, Medicare said it was unnecessary. If you are approaching retirement, do NOT make the mistake in assuming Medicare pays for everything. In fact, the federal government conveniently don't tell the American people that Medicare is not accepted by all doctors because Medicare take so long to pay the doctor's bill that many doctors have to put a hold on taking new Medicare patients and wait until the bureaucrats in Medicare finally decides to pays the bills which in some cases can take over a year. Whatever you do, make sure you have some money set aside for this and/or have supplemental insurance even after retirement and being on Medicare. My family isn't rich and that $7050 really made a huge dent in our budget, especially when you include things like paying for hospital parking (totaling over $100), fuel bill for all the trips to the medical center, lost wages due to taking time off work to take her to all the doctors and hospital visits. It was a scary and difficult time for my family and with the exception of the doctors who treated her very well, we were on our own.
Just think how much someone pays out for medigap coverage
over a 10, 20, or 30 year period?
Diagnostic imaging costs have no relationship at all to the value of the procedure. The real cost should be less than $500.00 for a typical 30-45 minute exam and that assumes all the support costs. The radiologists interpretation should also be inclusive in that fee for this service. This is 30 year old technology and these machines no longer cost a multiple millions to buy and install. US healthcare (not really appropriate name) is gawd awful.
This is awful. Shame on our country for always putting profits before people when it comes to health insurance and pharmaceuticals
True! Andsome doctors take take Medicare on a "non-par" ["non-participating"] agreement; in which you have to pay about 15% of the amount that Medicare approves up front each time; and then, if you wish, you may file a form that allows reimbursement of the difference.
I'm turning 65 in Nov and l was starting to get nervous about all of the confusion with Medicare. Not anymore after finding your channel! I will be contracting you soon. I live in IL. Thank you for such clear and concise information.
That means so much to us. We are so happy we can clear it all up for you.
@Nina Garr let’s hope congress provides the people the exact same medical coverage the people provide Congress
@@wagonwheel9426 unfortunately that will never happen.
@@wagonwheel9426 Congress is in Obamacare [ per Grassley's amendment ] and has Medicare as their retirement benefit.
@@SandfordSmythe congress has health coverage that far exceeds Medicare
US people accepting this poor lack of long term care is disgraceful!
Insurance agent here, keep spreading the word about long term/residential care facilities. 90 percent of the people i sit down with on a daily basis have never heard of this issue before and that needs to change. Keep up the great work!! Here are a few statistics from 2019 that you may find useful on a future video, LTC and residential care facility costs are the #1 leading reason for bankruptcy after the age of 65 and 70 percent of people will require that type of care in the future.
I tried to sell Medigap plans and such but. Medicare and Medigap is so confusing for everyone( agent & buyer) that I gave up on it. Sold life and health policies instead. Just selling life insurance is a real hustle.
This info is essential for us to know in my opinion
How so?
A lot of us don't get much on social security. Add all these insurance policy. We may not eat or pay rent. Or just suffer with conditions.
Great information!
There are a lot of procedures that Medicare won't cover. I'm learning the hard way. I recently had a claim denied by my Medicare Advantage plan for an EKG because Medicare doesn't cover EKGs for Afib patients. It's going to cost me $1,620 out of pocket. I had attorneys appeal but it was denied. I could've had an EKG done at my primary's clinic and sent to my cardiologist brother but my primary refused to do one and sent me to the ER. Now I'm stuck with the bill. Add insult to injury: My Social Security benefits were unexpectedly cut in half by the State of Texas at the last minute when I retired. Surprise! Old age is full of unhappy surprises!
Don’t pay it. They don’t lose that much.
Just wait you have not seen anything yet. The politicians make big promises and after elected these leeches all screw you. Yet you keep electing these fools over and over.
I Would Like To Have All My Money Back. With Interest Treated Like Welfare
Good luck buying private health insurance at 67 with your money back.
Everything has to be so complicated. I'm sorry, you didn't jump thru enough hoops, fill out enough forms or know the right people. Too bad, so sad.
Thank! So appreciated your knowledge.
Glad it was helpful!
What hurts us the most is that we pay for Medicare and BCBS every month and we STILL pay out of pocket almost $10,000 per year for the two of us. This is a HUGE burden for a retired couple on a modest fixed income that worked hard at low paying jobs while raising and educating four children. We pay $150.00 EACH for Medicare per month and BCBS.
Is that because you both have medical conditions?
@@water2wine1 ...don’t be an a$$
Meanwhile, the CEOs of insurance companies like BCBS get multi-million $ bonuses each year. Last year, the CEO of BCBS received $11.5 million in bonus. The year before that he received over $19 million. That's on top of a $1.4 million salary.
Have you looked into Medicare Advantage?
Have you looked into Medicare Advantage?
My medicare didn't cover dental, until I went to a dentist who sent an insurance sales guy over to sell me a policy that does. Thanks Dr. Heffner. It covers everything including glasses. Can't say the Drs are all that impressive though. I had to go to the VA to get my CORRECT eye prescription.
Yes, some Medicare Advantage plan do cover dental benefits.
Let's see, Medicare+I pay either expensive co-pays, or, unaffordable Medigap coverage? What's the point of having, and, paying for,,,,,nothing! !
Who has extra money 💰 for all that. Maybe 40% of the people in the U.S.
Medicare pays for the medical part of the eye exam provided there is a medical diagnosis, which by the age of 65 there usually is one. MC however does not cover the prescription part of the exam. But that part should cost much less than the medical part of the exam.
I am so glad that in my country Canada we have a good health care insurance like OHIP. It does not cost us anything to go see a Doctor, specialist, surgeries, physio, eye exams, medical tests, skin specialist etc.
@@OrangeSkyMusicIt’s not free, other countries pay for it with sky high taxes. One way or another you are going to have to pay for your healthcare. Best to plan for it and be prepared.
We have lots of unnecessary testing and lab or hospital stay, lots of abuse going on, family needs to examine all treatment or Rx or excisive treatments.
Yup, I was just having a regular ol check-up nurse decided to hook up EKG machine...course they decided I needed a trip to the ER next thing I know I have AFIB....$21,000 later... I'm seein a cardiologist and headed for a cardioversion shock me back to rhythm...cardiologist said not normally fatal....
How much did jack kevorkian charge
Best staying in excellent shape via diet and exercise and live near the Mexican border for reasonably priced medical , dental care and low drug prices.
@@sandydevin8580 If you are a citizen, dirt poor and disabled.
Found your post interesting to watch. I can't wait to see your post soon. Good Luck with the upcoming update. This video is very useful, interesting, and effective.
Our nation doesn't give a rip for our older population. Very sad.
As wealthy as the United States is this should be 100% paid.
They did their best to address it with the Medicare Advantage options but of course you still have to pay for Part B regardless of what you choose.
When older Americans are going over the border to Mexico for cheaper dental and eye care, there's a problem with the system.
Cancer patient, Medicare pays for all hospital services but prescription costs are crazy. America doesn't take care of elderly. So sad
I am 59 yrs old and now I have to see what I am walking into per medicare. I am glad I have access to the V.A., to include free prescription, dental & hearing as I am 100 disabled. Though I have only a few years to figure Medicare out!
Hi Steve - You can always give our team a call at 817-249-8600 if you would like to learn and discuss your options!
Here is information over Medicare for veterans:
boomerbenefits.com/medicare-supplemental-for-veterans/
The major problem with having bad health is our toxic food....also ......seeing a doctor and taking their toxic drugs that are made from chemicals that continues to keep you sick and or sicker. Symptoms are the body felling you that you need to change your diet or something about your body. Just like the light in you car...when it comes on...it tells you something is wrong...you just don’t tape over the light and go on driving...you look for the problem to change or fix. A doctor sees you for 10 minutes and gives you a pill to take away the pain or stop the symptoms and you stay on those pills month after month...year after year and the doctor keeps giving you more pills. Thats the scam for the medica/Big Parm idea of keeping the big bucks coming. You will never get better until you find the cause and get off that posion medication giving you more symptoms after each and every pill. Do research as to why you have high blood pressure do to potassium/magnesium Deficiency watch dr Bergs videos and learn. Your depression/heart irregular heart beats and many many deficiencies are lack of minerals and enzymes the body needs to function. Try running a car on gas alone and no oil or water....it will run, but will break down sooner or later. The vaccines and flu shots keep you ill and put toxins in you body....protect your body and it will protect you back with better health. Your doctor is only good for emergencies....anything else.....stay away. My family is never sick with colds or nothing.....have not seems a doctor in 28 years or more.....take no meds or get no vaccines. Wake up
By the way...we are 75 years old
@@BijouLover8 agree strongly with this. I have done without health insurance for 20 years now, I habit begun while living overseas. My secret is a daily 20 minute walk, minimal TV watching, and a balanced diet. Occasional outdoor activity, and driving carefully also factor into the mix. That's it!! Saves us over $1k monthly which goes into the retirement kitty...but Finances aside, if all Americans simply did this we would have a lot less diabetes, heart disease, depression, opioid addictions, cancer etc.
👍
Wake up
The health care industry is much like the government, neither is there to help you.
Thanks for the up to date info!
Great video!! All Medicare beneficiaries should see this!
I'm disabled at a young age and this has been very difficult because I only have limited number of working years in comparison to if I would have been able to work to the normal retiring age, hence my monthly ssdi is so so miniscule! There is not much left over to cover what Medicare won't. Scary for sure.
I really think the government wants you to kick the bucket or else why does retirement age keep going up and coverage keeps going down go figure Joe B
I feel your pain, Shell. I had same issue. Very low ssd. Look into ssi, and community services. 🙏
Thanks for this info.
You bet!
I don't see the benfit of having medicare.
Rich?
Medicare is socialized medicine for seniors. Thank the Democrats for this affordable healthcare.
This information is taken pretty harshly. I’m going to have second and third thoughts before I see anyone in the medical field. I appreciate the information that you’ve provided.I guess I need to do my homework and try to figure out what additional coverage I’m going to have to pay for. My thoughts are, just don’t get old.
Fortunately, Medicare really does cover many things and works great for most people. They just have a few things we wish they would add!
Glad I live in Canada!
Oh yeah. I'm sure you get quality treatment in a timely manner though...
@@becca5027 yes ma'am I do!
@@becca5027 we hear all the time how bad it is there. They have a little over 37 million people, we have 330 million, big difference
Always buy a secondary insurance because Medicare will only pay for 80%, no matter what. Some things are even less.
Have you looked into Medicare Advantage?
Yes get a supplement medgap.policy not advantage plans had mine for 17 yrs would not be without it physicans mutual of Omaha. Oh its not cheap but peace of mind is worth more than money. When you never have to pay any dr. Bills ever. The only way to go at least for me.
@@lenaelkins3077 all I know is I had one stent placement at the
number 1rated heart hospital in the US. The complete bill
was over $200,000. My portion was about $1000.00.
I am seen at a top hospital by top doctors of my choice.
I pay no monthly premium . I have Athena Advantage
I do pay when I visit doctors $40. for specialist and $25
for general practitioners.
I see 3 doctors about every 6 months.
I have to admit I get my meds free at the VA hospital.
I have a service connected disability.
But I do have EPIC. A NY meds program.
Had my Advantage plan over 10 years I can’t complain.
Delta Dental is affordable and surprisingly good coverage, including “free” cleanings and prevention. America’s Best is also very affordable compared to other ways of acquiring eye care.
Glad you mentioned LTC. Huge underserved market and need for clients.
Great info! A slight pause between sentences would be helpful though!
Are you an English teacher? Lighten up!
I would rather just die than impoverish my family.
That's the attitude the government wants us all to adopt.
If you are in a foreign land, their medical help is a lot cheaper than getting care here. I have never heard from any of my friends who have received any type of emergency treatment being denied help. And, it is much cheaper than you receive here in the States. Watch out for England.
This information is relevant to Medicare USA and viewers must realise the situation is different for Medicare coverage in other nations.
It would help if posters realised this too and made a disclaimer to that effect.
Second video today. Subscribed. Excellent info.answered all my questions and then some.
We're so happy to hear that! Thank you for leaving a comment.
This is clearly a Medicare Advantage sales video, which provides the highest commission but the highest risk. Disappointed!!! I would advise viewers to do broader research. I am turning 65 soon but have been doing research for a year. This is one of the poorest/directive I have found.
Not at all. We are a Medicare brokerage who specializes in Medigap and Medicare Advantage plans. And in fact, the majority of our clients have Medigap plans. We recommend plans based on what will be more cost-effective for the client, not what gets us a commission. Our agents don't even know the commissions they get. Our Medicare Advantage plans Pros and Cons video is one of our most popular videos and speaks of both the advantages and disadvantages of having a Medicare Advantage plan.
I have been on a Medicare Advantage plan and I am very pleased.
Turning 65 this month and trying to figure out if medicare or advantage plan. My room mate has advantage plan. He injured his foot and called dr. They gave appointment for assessment and xray. He got there and was told he couldn't get xray as he plan had not approved it. Retired RN here and I was appalled at this treatment. Now I know NOT to get hmo plans. PPO is better. I feel for 32 yrs I took care of people AND paid in to medicare and SS. I am stunned at these systems and scared to even choose. I would see homeless people off the street come in have procedures and expensive surgery like open heart and then leave back to the street. Free of charge. Does that mean we have to live on the streets?
Folks over 75 usually aren't hard of hearing, they're tired of listening 🤣
Especially when I'm telling them all the things Medicare won't cover!
Medicare doesn't have any problem deducting Medicare cost from your Sosial Security. Then you have to pay for a part D which is also deducted from your social security. You also have to pay out of pocket for a Medicare supplement and some have very high deductibles before they pay anything.
unless you get an advantage plan, but then it is highly restrictive unless you use their providers, labs, xray companies and still have to pay 6700.00 a year if you find your self in the hospital for a longer period of time. Nothing is free. Supplement plans you pay higher premiums but less surprises and you usually dont get another bill after 203.00 deductible is satisfied.
I pay $0 per month for my Medicare Advantage and it includes a drug plan equal or better than Part D. Almost everything is free or has very low copays so far. And that includes stuff like MRIs. The problem is people don't realize how expensive medical care is without insurance. $6700 is NOTHING for a million dollars worth of medical care.
So glad we have our NHS and that my American husband qualifies for it. We pay toward the cost of dental treatment, but only a certain, preset amount and we pay for glasses unless on a very low income, but all eye exams are free for the over 60s and children get free dental treatment and glasses, as do pregnant or postpartum women, disabled or out of work people. All doctor consultations and hospitalizations are free too, unless we choose private care. The % of income I pay in tax is about the same as that paid by my sister in law in SC and the National Health Service is funded by our taxes. I'm kind of wondering, what do American funds raised by state and federal taxation get spent on?
The NHS is wonder, my son was born in 1991 and my daughter in 1999 in London under the NHS care. I will always be grateful to it. It’s horrible the system, terrible expensive and example is the couple that recently got the rabies shots and the bill came to $200.000 dollars , unbelievable .
Surely Medicare is “cheaper” than getting insurance through employment or direct. The Medicare system is way to complicated and costly for all retirees yet very profitable for private companies.
This is one reason I’ll retire in Europe being dual citizen. The US is business friendly and never meant to be people friendly.
No, it's not cheaper because it doesn't cover a lot of things. That's why we have to buy supplemental insurance & a good drug plan. This is also why seniors work longer. They need the benefits.
I just got a first bill for medicare part B.
$742 for 5 months!
I too have dual citizenship. I have carried Medicare for more than ten years. With all the money paid in over my working life, plus the $169.95 a month I pay, Medicare is an absolute joke. Medicare is controlled by the insurance industry in cahoots with your politicians. Couple of years ago, while in Amsterdam came down with bad case of flu. Went to a private doctor, had an examination chest x-ray, PLUS anti-biotics - total cost was US$42.00. Feeling much better, I continued on to Zurich. Checked in with a local private doctor for a follow-up, as proposed by the Dutch doctor. Same thing: chest x-ray, examination and more anti-biotics - but a bit more expensive at US$44.!
......I started Medicare August 1, 2021 and got Medicare Advantage plan from Anthem for ZERO premiums.....includes dental and vision, and prescription coverage.....7 prescriptions will cost me $208 for rest of 2021 ( Aug-Dec).....my A+B cost of $149/ month is 1/2 of my former private insurance that did not include dental or vision, and with higher prescriptions cost.....does anyone really only choose A+B?
@life content I think knowledge AFTER THE FACT is called Monday morning quarter-backing - the 72-hour requirement for HOSPITALIZATION ONLY isn't mentioned on my Medicare card, NOR that OUTPATIENT OBSERVATION will be the classification when you're discharged prior to the 72-hour requirement, even tho' you have to get someone else to take you home due to seriousness of the surgery!.
This is why it needs to be pared with a public option Medicaid you will pay nothing but the GOP said if it was included the private insurance companies would go out of business that's why you have to pay and pay and have to choose between eating and medicine.
Nothing is free. Watch the zero’s on your basic living needs this year.
I had Medicaid for a short time in California. I had so many unnecessary procedures that were passed down to the middle class.
The rich, like those in Washington, have tax attorneys to keep from being affected.
Oh please, that’s been going on for years!! Tell your Marxist friends to stop giving my insurance that I paid for over the years, to others for free!!
I NEVER HAD INSURANCE FOR DENTAL WORK IN MY LIFE! We cannot expect EVERYTHING!
This should have been told of before that had happened now we might have to pay a penalty I don’t think that is right at all now you saying six things that’s going to be taken out of the Medicare benefits you are really taking $144 out a check
....Travel ins refuses to pay out on claims, stating..."Dangerous activity"...or..."Pre- condition"....
You should retain an attorney & ask his/her to write to the travel ins co for you. worth every cent.
@@pauladempsey6806 .....Travel ins co.s...??...They have an office in Perth, Australia with a sign on the door that says..."Closed"....
@@LonskiBig I don't know anything about travel insurance in Perth or in Australia. I'm sorry that I can't assist. p
I wish Boomer Benefits was licensed for New York. I had to go with another broker for my Medigap coverage.
I’m in nyc Medicare Advantage-Google it.
@@Jimfromearthoo7
I decided not to go with Medicare Advantage plans. I eventually found all my plans after tons of research and so far I'm very happy with them.
@@mr.d.572 the main thing is you are happy!👍
@@Jimfromearthoo7
That's for sure. Before this I was on Obamacare and I was completely miserable. $991 a month! And I couldn't even see a fraction of my doctors. ☹️
Quick story. 5/15/2015 heart attack. One stent left side. Hospital bill
after 3/4 days I forget $200,000. Medicare pays 80% Aetna which is
Medicare Advantage I guess pays 20% my portion $1,000.00.
Which I paid in installments.👍😎
How can we be proud of the country?
Money in a Health Savings Account is "yours to spend as you see fit" but if a withdrawal is not to reimburse yourself for a medical expense it is treated as taxable income.
That's correct.
Sounds to me as if Medicare isn’t worth crap!
Actually it is pretty darn good. I had Blue Cross Anthem PPO through my employer for many years. Medicare covers just as much for half as much money.
@@bills.1390 yes I have been told it is only $140 monthly in my area, significantly less than other health care plans....I couldn't believe how cheap it will be.
It’s actually much better than my United Healthcare private insurance as well as cheaper.
It's great if you get a good MediGap or Advantage plan to go with it. And lots of those are free or very low cost.
It would be great if they would stop penalizing physicians and patients by preventing them from accepting cash payments when giving treatments that aren't covered. Instead people go without treatment.
I've been using care credit credit card for dental & vision cause the monthly payment for that is actually much cheaper than insurance and no limitations as with some insurance plans. And for vision you can go to an opthalmologist not an optometrist and Medicare covers the 80percent. An opthalmologist is much better, more in depth exam. But then of course you have to take your prescription to an optometrist to purchase glasses. Which I again use care credit credit card.
thanks for sharing this tip!
Thank you for this informative video. I have been unable to find info on the internet whether it makes sense to get Medicare Part B if my monthly premium is $386 + tax, so about $500/month total. I have FEHB that I will be keeping (GEHA who uses United HealthCare as the provider), and I've been happy with what they have provided. I just turned 65 and need to make a decision this month about Medicare Part B if I want to avoid a penalty. Thanks in advance for any guidance.
This is Janette again - I should clarify that I am healthy, eat well and exercise regularly.
Hi Janette - With the Part B based premium being $148.50 and you do pay an additional amount due to IRMAA, it could be more cost-effective to delay Part B. However, you will have to opportunity to appeal the IRMAA charge. At any point if you no longer make the same high income as you once had, then you can file an IRMAA appeal to appeal your high Part B premium. We have heard of many people who have FEHB who have enrolled in Part B and others who have delayed it. Just know that if you delay Part B, you will be charged with a lifelong late enrollment penalty if you were to ever enroll in Part B.
With that said, you have options for your coverage and should choose whichever is most cost-effective by premium costs and out-of-pocket cost-sharing.
ua-cam.com/video/cZuh2_VXgxc/v-deo.html
www.fedsmith.com/2018/11/26/enroll-medicare-fehb-plan/
Shameful for America how they treat their own people wail they work all of their life hard and pay into taxes in Medicare insurance in my country we have universal healthcare America claims to be so great but how they treat their own elderly is a shame.
Medicare doesn't cover eye care, glasses, dental, or hearing exams/aids. . .
All critical areas for the elderly.
Coverage needs to be expanded.
Agree RugRat!
I am paying about $150 more a month then I was before I was in Medicare. That amount doesn't include the $415 yearly deductible for Part D and the extra cost if drugs like insulin and a cholesterol drug that is vital to my health.
Also count on getting ripped off for ambulance and transport. Not sure why transport is such a neglected coverage.
Hi there - Medicare Part B provides beneficiaries with their ambulance ride coverage. Like many things with Medicare, there are rules, restrictions, and qualifications that come with obtaining coverage for an ambulance ride.
As an example, for Medicare to cover your ambulance ride, you must be transported to the closest facility that is able to provide you with the medical care you require at the time of the emergency.
Here is more information on this: boomerbenefits.com/does-medicare-cover-ambulance-rides/
If one needs to cover everything you need get a Supplement plan that cost one an additional $200 . So it adds up to you output becomes $350 monthly ! We are all tucked no matter what !
I chose a supplemental plan that does not cost me anything per month but if I ever get ill I need to be hospitalized I will have a higher deductible
@Freedomofspeech
Not worried but thank you
Welcome to "Medicare for All" be careful what you wish for!
we havent got there yet, but Biden will try to make it happen and it will be even worse. We will cover folks who never put in a dime.
I pay almost $600.00 for insurance monthly through work...deductibles CO pays added...how is this worse?
@@lifecontent6525 we pay 100% of health insurance for life for senators and their families..they pay ZERO into Medicare or social security... How is that better?
@@bethminer2222 yes and that has to change. They should pay if we pay.
maybe I worded it wrong, I think we in agreement.
I tell all my friends to listen to this young lady because she’s coherent > smart & easy to understand >
There are “6 things” but there are so much involved in them I will just cope with pain the most I can bear at home or slowly die at home than involve in this system
Basically, it seems as if we can expect our medical costs to increase after we stop working. We can not assume Medicare covers medical expenses. It seems that we can expect any money we have saved for retirement, to go to medical expenses. Based on this information, if we don’t have enough money to pay medical expenses, we will go into debt. What does the government advise us to do to avoid going into medical debt? The government knows that one major medical event could potentially bankrupt the victim; what do they think we should do to avoid this outcome? What is the best coverage to insure and ensure the elderly? This is horrifying. I think death at 65 is the only solution. Or, never stop working. If companies will keep you. Unless you’re a millionaire. Thank God I saw this video. I thought Medicare was like regular insurance where you have deductibles and co-pays but that you had to have a separate plan for prescriptions. I knew it didn’t cover hearing aids; at least it didn’t pay for my grandma’s. But this video makes it clear that Medicare doesn’t really cover anything. Obviously it does cover some stuff. But not everything. I guess I won’t be retiring. Bummer. Thanks for letting me know. I’m going to go cry in my soup now.
Hi Lori - Medicare covers any services that is deemed medically-necessary by your doctor. Yes, Medicare will not cover routine dental, vision, and hearing exams. But, Medicare covers many services to make up for it. For example, if you were to be admitted to the hospital or were to need surgery, Medicare will cover it. Medicare Part B covers doctor's visits, ambulance rides, durable medical equipment, vaccinations and much more. Many seniors enjoy their Medicare coverage. When it comes to cost-sharing, you will pay the Part B deductible of $203 for outpatient services and then 20% coinsurance. If you were to purchase a Medigap or Medicare Advantage plan, these plans will help with your out-of-pocket costs. Although this video discusses the things that Medicare does not cover, and it may seem like a lot, we can promise you that Medicare covers many healthcare services.
@@BoomerBenefits Thanks for the reassurance. I was looking up private insurance this morning to see if there is an alternative.
@@sewmeonekenobi639 You can enroll for a Marketplace plan. But, once you are eligible for Medicare, your Marketplace premium will be much more expensive than if you were enrolled with Medicare.
Learn more: www.healthcare.gov/medicare/changing-from-marketplace-to-medicare/
When Grabitz dies, we just die it's always been that way in my family. I've only seen a doctor twice in my life. As old as I am now I don't give a damn about medical bills.
Does Medicare pay for Emergency Room treatment if the patient signs out AMA (against medical advice)?
Yes, Part B should still cover the medically necessary services provided to you in the ER.
@@BoomerBenefits Thanks for your reply.
Hospitals like to threaten patients that their insurance won’t cover if they leave AMA. It’s just one more way they can rake in more money.
I have BCBS and Medicare