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@@richardbates7375 exactly. Do you think our Founding Fathers imagined a ruling class subjecting citizens to laws that don't apply to them? I seriously doubt it.
It's not so bad. Been on a blue cross blue shield medicare advantage plan for three years and its quite a saving compared to what I was paying prior to age 65.
I have two years until I qualify for Medicare. I have been watching your videos trying to learn everything that I can so when the time comes, I know exactly what to choose to fulfill my needs. Thank you for making things so easy to understand. Knowledge is power!
Glad it's helpful! Thank you for watching. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I signed up for my medicare plan a couple months ago. I found using these services so easy, they guided me to the one I really wanted, the one with the supplemental plan. No pressure and more of what I wanted, my choice, my doctor.
You are doing the smart thing! Two years to study up is about right. It takes that much research and brain power and repetition to get it all in your head enough to make the right decision for you. It shouldn't be so complicated; I get angry just thinking about it. That includes all insurance, not just Medicare.
You can start shopping for a supplement plan 6 months before your eligibility day. You'll have to put some money down ahead of time but the price will be locked in for 18 month.
After watching these videos, I was able to switch from an Advantage plan to a Supplemental plan. I had to go through medical underwriting and despite a couple of chronic problems, I was accepted at the discounted rate. I’m very relieved that I will no longer be at the mercy of the insurance companies!
How did you go about changing? Just curious who you called to get it started? I'm guessing Medicare but thought I would ask since you were successful. Congratulations on being able to save money. It gets crazy.
@@darlenebrown5061 I was considering the same thing. I just got a letter from my insurance company indicating they were no longer providing my Advantage plan. Because of that, if I'm understanding correctly, I can now sign up for a supplemental plan with no medical underwriting. Blessing in disguise.
I took the F plan years ago at 65 because my wife had a lot of medical issues. Then I needed a handful of surgeries. It paid off for us and saved money. I am still grandfathered in and have no plans to change.
Thanks for sharing. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
You are so welcome! My team would be happy to assist you with setting up your Medicare coverage correctly. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Thank you for the very clear explanation of the G plan. I am 80 y/o and have been on the F plan since I turned 65. I have never regretted that decision, and have had many surgeries and expensive tests since I turned 65 with probably $200 out of pocket in addition to my monthly premium. I am considering changing to G plan to decrease my monthly expenses, but was confused just how it works. You answered all my questions so well.
@@MedicareSchool I have F is it true by keeping F the premiums will go down ? Simple reason is the older people that have it now , are dying off and there will be less claims - meaning lower premiums ?
Are you subject to a medical examination if you switch from F to G? If yes, it is probably not worth it. Most what you can save is probably less than $200-250 per year.
G plan is great. If you qualify for the F plan, by all means grab it! I didn't. But, the G plan is excellent. I was hospitalized with severe covid for 17 days, was transferred to skilled nursing facility for 4 weeks, then home health care for 3 more weeks. After all of that care, I ended up paying $300 out of pocket. Outstanding! If I had an Advantage plan, $5000 plus any other outlying costs. I'll stay with traditional Medicare and my supplemental. ❤
Im going for plan N since only 1% doctors charge excess charges. The copays are manegable and I am thankfully at this point healthy and have one MD visit a year pcp
@@kenfriedland4603 I see where your coming from, but overall he is providing a great service in terms of educating the public on their retirement choices. The system is not easy to navigate for many seniors, I've been up to speed for years, but many are still in the dark as they approach these milestone retirement ages.
@@جنجالی As a senior, and on a fixed income, id rather pay for eyeglasses than be denied an MRI. Or surgery. I have been denied a rotator cuff repair on a disability advantage plan before retirement. On a supplement, you doctor controls your testing, not the new high school grad they hired to deny claims. I just saw an ad for an insurance company for a claims denier. "No.high school diploma required." Its not a dr at the insurance company deciding if you live in pain or don't qualify for the wheelchair your doctor says you need. Gets simple. They won't pay for the good hearing aid, maybe not even bifocals? The truth is in the questions that don't get asked. Its a privilege to be able to afford a supplement, not everyone can, but insurance is for just in case. 6 days in a hospital won't bankrupt me with plan G. Its simple for me with lots of autoimmune things. Id rather have cancer treatment if I need it, than a cheap gym membership I don't use. My reasons. I get the CT scan and chemo instead of the fluff. 😊
Wonderful presentation! It has taken me years to get a grip on this. I have a plan F, as I’ve had my plan since 2001 when I got sick. I have a supplemental plan through United Health Care. I have found their plan to be very good. They offer other benefits, like my gym fee, thru their service. I found UHC thru AARP. Thanks again. I’m sure your videos are helping lots of us seniors!😄
@@DebbieBennett-p5v My understanding is that the F Supplemental Plan covers all 6 of the gaps discussed in this video. No co-pays. Monthly premiums will vary based on where you live and that's all you will be responsible for. HMO? No, Original Medicare with a supplement plan is not managed by anyone aside from your doctor and Medicare. "F" Supplemental plans are no longer available to those born after 1955. I'm not certain if there is an exception if a spouse was born previous to 1955 and the other at least 65, in which case both may be covered under Plan F. Need to confirm that.
All I've heard is that United Health Care is the worst of them all, whether supplemental or work related or private insurance. See videos by Dr. Glaucomfleken which are very entertaining if you understand irony. He makes it all crystal clear. Doctors hate insurance companies just as much as we do.
I have plan F last couple of year’s premium has risen every year I’m now paying $330 month l have been informed it will rise to $377 in January also told l can change to plan at almost $100 less a month but then there is a gap l would have to pay and if not happy can return to plan F l can remember a friend who had a better plan than me but she was paying a very high monthly premium they are going to get you whatever way they can and as you get older you hesitate to change because you are more susceptible to illness
Glad it's helpful! We would be happy to help you with that. We can assist you with the whole process to make it a transition to Medicare. feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Really should present G, N.... AND.... high-deductible G... and compare pro/con of each. High deduct spooks a lot of folks but the "potential" impact is lessened by the massively lower monthly cost of HDG will allows you time to build a $ "war-chest".......
I would like to take this moment to thank everyone at Medicare School because of their videos I received the education I needed. I just wished I would have known about this 7 years ago. Again thank you so much for all your educational videos.
I agree that a supplement plan is the best way to go if you can afford it. Please note that it takes more than 15 minutes to do a Medicare Advantage presentation. Just going over the summary of benefits per line takes 15 minutes. You got to check their doctors & prescriptions to find the best MAPD for the client. Plus, many people like the extra benefits like dvh. Great presentation! I watched your videos every day.
If people can afford it, they are often happier with a Medicare Supplement Plan. However, if budget doesn't allow, we help many people find a great Advantage plan option out there. There are ones that are much better than others. If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
My Medigap G saved me so much grief. I got it just before I had a heart attack and cancer. You never know when you might come down with a dreaded disease.
I got the G plan. Last year I fell and messed up my knees and a wrists (nothing broken, just sprained) and hit my head. I'm on blood thinners. I had to go by ambulance to the ER and they gave me xrays on my knees and wrists and a CT scan on my head. I was there seven hours. It cost over $15,000. My bill was $0. I'm telling everyone about your UA-cam channel.
My supplemental plan goes up every year. Quute expensive, however it was worth it. I had back surgery and stayed in rehab. I had no additional costs. The actual cost was $500k. I have plan N.
I have been on Medicare 3 yrs and I am on U tube every day and today is the FIRST TIME I have seen any information on Medicare advantage plans!! Or about why no one talks to you about the regular Medicare anymore!! I asked several agents specifically bailout why they will not explain regular Medicare I was told it is too expensive and I really feel like every agent I have talked to has lied and mislead me!! I am very upset and angry! Also can you get on regular Medicare after being on Medicare advantage ?????
I am from the south and have been all my life. As you get older you have to chose your battles wisely. Learn to give up things that are less important than you realize. Living a less stressful life is more important than you realize.
I can't afford my almost $400/month supplemental plan either, but the alternative is just ONE of my copays is $500/month for my oxygen concentrator and I have tons of medical bills so I go without food, entertainment, some meds, to keep from losing my home to medical bills, which is the number one reason people " lose" their homes. Our Country has the worst medical care of most Countries with the worst results and the highest prices. It sucks to put it mildly. Oh, I make 18k a year, and the cost of housing in Montana is now some of the most expensive in the Country. They're going to make us all homeless or just let us stay sick. As a matter of fact, there's no reason that I couldn't be 100% rehabilitated after very serious injuries, BUT, they've also figured out that they ( the insurance companies) make more money keeping us sick. That's facts and it's disgusting and sad!
Insurance is complicated and confusing, even when it is explained in a simplified way as it is here. The terms Advantage, Supplemental and Medigap terms only confuse us. Is it too much to ask for Medicare to provide health, vision, dental and hearing coverage so we don't have to deal with all the other extra insurances?
What's truly perverse apart from the capitalistic for-profit so-called health care Is that America ties health care to having a job When the pandemic hit and millions of Americans lost their job and their health care Millions of workers and other countries lost their jobs but did not lose their health care Over half of the Americans who declare a personal bankruptcy have medical insurance but can't make the bills In countries with national health plans, nobody declares personal bankruptcy for medical bills Yet again The capitalistic oligarchy screws American citizens out of their wealth
After 12 years with advantage plan both my wife and myself are so far ahead in dollars that it is not even a choice anymore. We have never had any network problems or any questions on coverage.
I’ve had plan G from the beginning of my Medicare coverage it’s been very cost efficient I don’t have prescription because my med are old drugs and cheap
You are so welcome. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I’ve had a advantage plan for years, no referrals, no co pay for primary Dr. …..Drug plan that is very good.. go to any Dr. Had both knees replaced and a hip replacement. In 2022 and 2923 small co pay. But In. the long run I’ve saved. money. No problem with insurance.. ….. with Medicare-you have to have a separate drug plan. My friend has Medicare, I’ll take my advantage plan
My team would be happy to assist you with setting up your Medicare coverage correctly. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I agree. I have an advantage plan but I am in good health right now. Age 75. My husband, however, has a heart condition and he pays a lot of out of pocket expenses for doctors and prescriptions. He needs the Medicare and supplemental plan because all hospitals do not take the advantage plans. Medicare sucks!
Wow. Very impressive presentation. I'm 62 and living overeas with local medical insurance. But it seems to make financial sense to get into A, B, D, and G so when I need it, I can go back to the US and get treatments with no waiting and no penalties for not having coverage.
To choose a plan, first off, is to meet the needs of the individual. Advantage plans are excellent plans as well. Many people will get an Advantage plan that allows them the ability to go and stay for months in another area. Not sure when this video was made, however, it may not be up to date.
Thank you for your feedback. If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Right, I have Advantage and I have had no issue with pre authorization and my plan is A PO S plan meaning point of service so if I an referred out of state or an traveling I am covered . This guy doesn’t have all the facts, BT W I am a retired Hospital Administrator Masters level , so my advice is pick what is right for you , sit down pad and paper after you get the details. Please note the supplemental premiums go up every year , change of cohort etc. my Advantage plan I have had for ten years has gone Down every year . YOU NEED TO MAKE THE DECISION BASED ON YOUR HEALTH CARE NEEDS
Thank you for this info. I'm turning 65 in Dec. and I'm totally confused. I filed insurance for an ob-gyn group for 10 years but I'm lost when it comes to choosing Medicare plans. I'm very grateful for your videos.
Great job! I've read and watched so many web pages and videos (too many to count) and no one, I mean no one, has done such a good job of explaining the supplemental plans for Medicare. Thank you ever so much!
I'm in Nevada and once a year, in my birthday month, I have the opportunity to switch plans with no exam etc. I have F and love it. It's AARP United Healthcare. MY premiums are high now. They started out low , deeply discounted premium and then every year it increases until there is no discount. I'm at just under 300.00 per month and I'm sort of dreading getting my new premium notice. I was thinking of switching to G but depending on the premium by the time I pay the deductible it may not be worth it, and who knows what it will be raised to in coming years. It may, in time, become completely unaffordable. I'm so over this stuff. Advantage plans ONLY Advantage the insurance companies. Some have been cited for denying care to patients. This was Medicare approved procedures and the companies said no. United Healthcare has some of the highest compensated executives taking out millions of dollars. United Health CEO took almost 21 million while Cigna CEO took 91 million. This was in 2022. They rake in billions. Advantage is private insurance approved and promoted by Medicare and we the taxpayers pay for it. Kind of like the privatized prison systems. Patients get less and WE pay more.
Thanks good information!! I often drop your name to friends that are soon to be looking to get on Medicare. Even though I went with a different broker only because I found you after I had already signed up I would have selected Medicare School due to the fact that you are very responsive and post informational video's weekly. The broker I did go with is a stand up company and I'm sure you know him, and I am happy with his company. Keep up the good work!
Thank you so much for watching. If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Josh, your Pop rocks. I get it, different people like to learn in different ways; grids speak to me. I will be going out-of-the-country and Medicare will be my catastrophic fallback as I will have primary insurance in Thailand which covers me for everywhere but the US. A/B/G seem to be how I should roll; your Pop's videos will be high on my list of keeping a breast of changes. Thanks again!
Plan N likely has healthier members than G (skin in the game, $20 & $50 copays) but the savings of $40 a month over 20 years will be overwhelmed by one cancer treatment at a specialty clinic. Also, just a suspicion, in the future doctors may all add on that 15%. G or HDG seem best.
@sammencia7945 Why would one cancer treatment at a specialty clinic wipe out the $9600 savings with Plan N vs G? To do that, the Medicare Part B approved amount for that one treatment would have to be $64,000 or more. Also, that $9600 savings assumes Plan N premiums will remain just $40 cheaper than G premiums. Most Medicare experts say the premium gap between N & G will likely widen substantially in the next 20 years and thus increase the savings with Plan N.
What about Medicare retirement plans explained as PPO’s? I’m researching the benefits but can’t really get clarifications on Part B specific coverage. Also, can you explain how part B change in 2024? Thank you for taking the confusion out of this process.
I have Medicare n Medicade n my Medicare don’t start till February I picked an advantage plan n They said I don’t pay for anything plus I have 500 a yr for vision 2500 a yr for dental choiopractor unlimited n acupuncture 22 visits n 263 spending card free prescriptions but I have no idea if that is good or not
One this he did not mention is if you live in these states Connecticut. Massachusetts. Minnesota. New York. Ohio. Pennsylvania. Rhode Island. Vermont The part b excess charges are banned so basically the plan N is just like the plan g in those states but cheaper
Glad it was helpful! If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Wow ... Watched some of your videos and I'm so grateful for the information and I love the pace you cover the topics. Say it clearly and move on. Packed with information. GREAT Job! I didn't know what I didn't know until now.
At the 6 minute mark the information is incorrect. I was on United Healthcare in NY and moved to NC and I was able to keep mine because I still needed to keep my Drs in NY till I could get into new Drs in NC. New patient status always takes months to get a appointment! I had a nation wide program which I was unaware that any Advantage Plans had, lucky me. But after first year here NC I received a letter from most of my Drs that they believed United Healthcare wasnt bargaining in real faith and warned me as of February I would likely not be seen anymore so I had to switch in upcoming November! Dont seem fair to the consumer to lose your healthcare when you still need to pay your premiums. Consumers are always the losers!
No one ever talks about the annual premium increases,which are not always minimal; plus,insurance premiums go until with age,so you might experience 2 increas3s per calendar your,depending on your enrollment anniversary (or birthdate,not sure which). Getting pricey the older I get
Medicare should send a letter to every participant when they turn 65 to warn them that by taking a Medicare Advantage plan, you pretty much are stuck with it for the rest of your life. I had an employer paid prescription plan too that was terminated by the Advantage plan. Too late for me but Medicare is the way to go without a doubt.
Thanks for the great job of educating the public. Every video you produce, I find that I continue to learn something new regarding part g versus other plans.
My advantage plan had no premiums and included prescription, dental, and a grocery card. My co-pays were low. Why should I pay additional premiums for less?
Plans are all based on what kind of coverage one would like to have. If your advantage plan is working out in your favor that is fantastic, we know that it can work out for the best in some cases but not for everyone. Paying that monthly premium to a supplement to ensure that you can be serviced any where in the US, and never have to endure large medical bills. It's all based on situational needs.
Thanks for this great info. I am debating between G and N. Then of course, I'll add a low-cost Part D. QUESTION: Once I start paying Part D monthly, can I still choose to go anywhere for perhaps cheaper drugs? I just take an inexpensive water pill for HBP.
Great question, @bachguy40! I am also debating between G and N. And I've found a low-premium drug plan, but it has a $500 deductible. I wonder if I can go elsewhere (to a discount drug site) for one prescription. Marvin @MedicareSchool?
Every situation is unqiue. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
You can make changes, you will likely have to go through underwriting depending on what state you live in. If you are unable to pass that would leave you with the plan that you are on.
Nicely explained, thanks, I am still 2 years away just turned 63, but like to do my research. I have a rather large sum of money in an HSA account, which I put the maximum amount allowed into it each year. Currently my spouse and I have no medical issues of any kind, which I know could change quickly. I am trying to decide if I want to do just a and b, with no supplement, or if I should go ahead with the g also. Any thoughts on this? I know it's more of a choice. I guess I need to decide if I want to roll the dice on skipping the g.
With just A&B,, there is no limit to what your out of pocket costs can be so that is a huge risk if something major happens. ua-cam.com/video/P45ux_rxMYE/v-deo.html ua-cam.com/video/ZEPfIy8ibbQ/v-deo.html If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I’m just ending my first year on Medicare. I took a high deductible G plan and it has worked out good so far. I want to run the final year numbers to see if I should change or stick with what I have.
My team would be happy to assist you with setting up your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Thank You, I am a very healthy 65 year old, still surfing and I have a steady 35 year plus yoga practice. I am going to wait until I am 67 to collect SS. It is obvious that supplemental is the way to go but I am not working now and would like to go with an advantage plan for the next 2 years and when I start to collect SS I will switch to supplemental. Besides making sure I buy a plan D while on advantage is there anything else I need to be concerned about.
You actually don't have to have a stand alone Part D plan if you are getting an advantage plan, most advantage plans already have built in prescription coverage. But, you will want to keep in mind when you make the switch to the supplement plan they will require you to do medical underwriting. If you health has changed or you already have pre-existing conditions you likely wouldn't pass underwriting and would be denied that coverage.
I have the supplement plan through StateFarm for 21 years. It has gone up in that time $400 a month but when I go anywhere doctors hospitals, whatever it doesn’t cost me anything.
If you are in fairly good health you can pursue underwriting for a lower rate. My team would be happy to assist you with your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Be careful trusting State Farm, after 35 years of paying in... I had a horrible experience when my upstairs neighbors hot water heater flooded my 35 year old business condo... I had 2 business plans and they told me they basically had no value... worthless company in my experience 😢
After having spent time in other countries all I can say is the healthcare system in the US is just a disaster. We pay more than anyone else and get far less. As long as I am able I will do all I can to push for and promote us having a single payer national health system.
Sure I would love to be able to afford a Medicare supplement but I only get $1,800 a month so it's a no-brainer there's no way that I could afford three or $400 payments a month on top of co-pays and out of pocket expenses. I have no choice in the matter but to go on Medicare advantage plan and I have been for 10 years now.
Greetings: I am NEW to all this and haven't even filed for my Social Security benefits yet but thinking about it, of course. I suppose my question is - I thought an individual signs up for Medicare through the Social Security Administration?!? Obviously, I'm off base ... 🤔!!!
Great insight. If you have questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I am 75 now and I have BCBS supplement plan F and I pay $298.50 / a month. It cost too much for me now. If I switch to AARP - United Health Care after Dec 2023, can I still stay on plan F or I have to buy plan G ? Also, which plan is good for Rx ? I pay BCBS Rx $167 / a month now. Thanks
I'm from Minnesota 76 yr female and on plan F....changed from Medica to BCBS to lower my premiums.....kept the same plan F, but had to go through underwriting...no health issues so passed...glad I went with large national company instead of regional.....better price stability.
The only answer for me is no doctors and die at home. I can't even pay the yearly part B cost and prescriptions. I ended this mess. Now diet, exercise, herbs, and wild lettuce for pain. It's over for me. One thing this did was end worry and headaches trying to figure how the heck I could pay it!
I understand Residents of eight states cannot be charged a Medicare Part B excess charge when visiting a medical provider in their state. These states are Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont. This could be an outcome determinative factor in those states to chose Plan N over Plan G. I think this video oversimplified the G versus N plans
I can't find anything on the K and L plans. These are the only Medigap plans with out-of-pocket maximums. For what type of situation do these make sense?
Those are really just not popular plans anymore and very few people still have them. Here is a video briefly talking about all plans that may be of some help. ua-cam.com/video/5Gz0bfbtQgc/v-deo.html
What’s not talked about is the $175 per month for part B in addition to the premium for any supplement. When my wife turns 65 next year that would mean an additional $175 per month for part B. Much cheaper to stay on our employer’s health plan until we retire. I pay &10 per week with a 0 deductible 80/20 plan with a $5000 max out of pocket. Don’t think that could be beat,
Great choice! If you have any questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Depending on where you are located and your health status, you can reshop for a lower rate. Sounds like it wouldn't hurt and may work in your best interest. Plan J is extremely outdated which is why your increases are higher than most. My team would be happy to assist you with your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
my agent was for me, continues to be for me, always there to answer questions, help me. she did not sell me an ADVANTAGE PLAN, I wanted and bought an ADVANTAGE PLAN. have been extremely happy for over 12 years, have saved thousands of dollars.
That's great to hear! If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
If you can pass medical underwriting yes you can make those changes. Give us a call so we can support you along the way! You can reach us at 1-800-864-8890.
P.S. Also, from some semi-generic information I read - I thought the Advantage plans cost more? So Medicare Part A is "free" which covers hospitalizations, then Parts B, C & D are what we pay for that comes out of our Social Security checks?!? Lastly, so a Supplement plan is like acquiring insurance in the old way, say - before one turns 65? Color me "confused" 😅!!!
Can I still switch after being on an Advantage plan for 5 years? I was automatically enrolled in an Advantage plan at the start of my SSDI. What is the process to petition or apply? Thank you.
ua-cam.com/video/hTwF6ME9oeM/v-deo.htmlsi=IN1LNxfuRRN5pHPP If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
I'm on Plan G and I love it. But the premiums are getting ridiculously high and something needs to be done about them. The CEO's of these insurance companies live in the lap of luxury with their fancy homes, cars and yachts while we suffer as a result of high premiums. I can see why so many people are going to Advantage plans despite the downside from these crooks. But before I go to an Advantage plan I will downgrade to a supplemental plan where I'm paying less. My premiums have been over $200 a month for the past few months and continue to rise.
You misspoke when you said that Plan C is only available to those born before 1955. Plan C is a Medicare Advantage Plan. Any way you can update your video?
If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here: www.medicareschool.com/talk-to-a-guide?rc
Skilled nursing stay has to be inpatient status not observation for 3 midnights. Hip and knee replacement is off the inpatient only list so hard to qualify for skilled nursing stay.
Great explanation of plans but I wish you would spend some time discussing the various providers of plan G & N. You keep stating average cost of G plan is $140.00/ month or so. I would love to get that cost. I have had a Physicians Mutual plan G since 2016 and it has been excellent but their premium goes up every year significantly and my monthly fee is double what you say is the average. Also, what needs to be discussed is switching plan G providers and the underwriting process. While I love Physicians Mutual, they are really becoming price prohibiting but I am stuck with them due to some health issues which I am sure would exclude me from switching plan providers. Would love advice on this. Thanks!
My team would be happy to assist you with setting up your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
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After we work our butts off our entire life, we still can't afford medical care and insurance still runs the show. Our healthcare is disgusting 😢
unless you are in congress
@@richardbates7375 exactly. Do you think our Founding Fathers imagined a ruling class subjecting citizens to laws that don't apply to them? I seriously doubt it.
Welcome to America. We keep feeding the monster, aka the medical industrial complex. It always wants to eat more.😮
Go to Mejico, come back as an Illegal Alien and it is free plus a lot more.
It's not so bad. Been on a blue cross blue shield medicare advantage plan for three years and its quite a saving compared to what I was paying prior to age 65.
I have two years until I qualify for Medicare. I have been watching your videos trying to learn everything that I can so when the time comes, I know exactly what to choose to fulfill my needs. Thank you for making things so easy to understand. Knowledge is power!
Glad it's helpful! Thank you for watching. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I signed up for my medicare plan a couple months ago. I found using these services so easy, they guided me to the one I really wanted, the one with the supplemental plan. No pressure and more of what I wanted, my choice, my doctor.
You are doing the smart thing! Two years to study up is about right. It takes that much research and brain power and repetition to get it all in your head enough to make the right decision for you. It shouldn't be so complicated; I get angry just thinking about it. That includes all insurance, not just Medicare.
You can start shopping for a supplement plan 6 months before your eligibility day. You'll have to put some money down ahead of time but the price will be locked in for 18 month.
Me to im getting ready abd will call these guys when it's time
After watching these videos, I was able to switch from an Advantage plan to a Supplemental plan. I had to go through medical underwriting and despite a couple of chronic problems, I was accepted at the discounted rate. I’m very relieved that I will no longer be at the mercy of the insurance companies!
How did you go about changing? Just curious who you called to get it started? I'm guessing Medicare but thought I would ask since you were successful. Congratulations on being able to save money. It gets crazy.
@@areyoukidding1431 I called the company directly.
I plan to switch this year 2024.
😊
@@darlenebrown5061 I was considering the same thing. I just got a letter from my insurance company indicating they were no longer providing my Advantage plan. Because of that, if I'm understanding correctly, I can now sign up for a supplemental plan with no medical underwriting. Blessing in disguise.
An agent warned me off of advantage. He wouldn't even be my agent, because he sells advantage and it wasn't the best thing for me. Good guy!
That's great to hear!
I took the F plan years ago at 65 because my wife had a lot of medical issues. Then I needed a handful of surgeries. It paid off for us and saved money. I am still grandfathered in and have no plans to change.
Thanks for sharing. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Same
THANK YOU!! Now I feel like I understand Medicare, Advantage, and Supplemental plans. Finally! May God bless your efforts...
You are so welcome! My team would be happy to assist you with setting up your Medicare coverage correctly. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Thank you for the very clear explanation of the G plan. I am 80 y/o and have been on the F plan since I turned 65. I have never regretted that decision, and have had many surgeries and expensive tests since I turned 65 with probably $200 out of pocket in addition to my monthly premium. I am considering changing to G plan to decrease my monthly expenses, but was confused just how it works. You answered all my questions so well.
How much are your monthly premiums on your F plan??
Glad it was helpful!
@@MedicareSchool I have F is it true by keeping F the premiums will go down ? Simple reason is the older people that have it now , are dying off and there will be less claims - meaning lower premiums ?
Are you subject to a medical examination if you switch from F to G? If yes, it is probably not worth it. Most what you can save is probably less than $200-250 per year.
I have an f plan will the insurance company let me change to g?
I have Plan F and it is worth the cost, I found out when my husband had lymphoma, we paid nothing out of our pockets for his cancer battle.
Same with Plan G except for the $226 deductible.
G plan is great. If you qualify for the F plan, by all means grab it! I didn't. But, the G plan is excellent. I was hospitalized with severe covid for 17 days, was transferred to skilled nursing facility for 4 weeks, then home health care for 3 more weeks. After all of that care, I ended up paying $300 out of pocket. Outstanding! If I had an Advantage plan, $5000 plus any other outlying costs. I'll stay with traditional Medicare and my supplemental. ❤
Excellent Information
What the name of your insurance ? BCBS ? or .......?
Mutual of Omaha is my secondary insurance. Traditional Medicare is primary.
We have been with the F plan for years and will not change unless we have to!
Im going for plan N since only 1% doctors charge excess charges. The copays are manegable and I am thankfully at this point healthy and have one MD visit a year pcp
Thank You Marvin. I Always Say It But I'll Say It Again. Your Knowledge Is Priceless. You Are Amazing ! Best Regards, 👍
Appreciate that! Thank you for watching.
Thanks for all your enthusiasm and hard work you put into this channel!
You're very welcome, thank you for the positive feedback!
It's the same type of enthusiasm you would get from a used car salesman.
@@kenfriedland4603 I see where your coming from, but overall he is providing a great service in terms of educating the public on their retirement choices. The system is not easy to navigate for many seniors, I've been up to speed for years, but many are still in the dark as they approach these milestone retirement ages.
I love the G plan! No surprises.
Thanks for sharing.
Ok, but what about eye, ear, drug?
@@جنجالی As a senior, and on a fixed income, id rather pay for eyeglasses than be denied an MRI. Or surgery. I have been denied a rotator cuff repair on a disability advantage plan before retirement. On a supplement, you doctor controls your testing, not the new high school grad they hired to deny claims. I just saw an ad for an insurance company for a claims denier. "No.high school diploma required." Its not a dr at the insurance company deciding if you live in pain or don't qualify for the wheelchair your doctor says you need. Gets simple. They won't pay for the good hearing aid, maybe not even bifocals? The truth is in the questions that don't get asked. Its a privilege to be able to afford a supplement, not everyone can, but insurance is for just in case. 6 days in a hospital won't bankrupt me with plan G. Its simple for me with lots of autoimmune things. Id rather have cancer treatment if I need it, than a cheap gym membership I don't use. My reasons. I get the CT scan and chemo instead of the fluff. 😊
Same here! Been using it for 3 yrs. Been a godsend
@@جنجالیmy eye appointments are turned in to medical because of my condition, on plan G I have a drug card
Wonderful presentation! It has taken me years to get a grip on this. I have a plan F, as I’ve had my plan since 2001 when I got sick. I have a supplemental plan through United Health Care. I have found their plan to be very good. They offer other benefits, like my gym fee, thru their service. I found UHC thru AARP. Thanks again. I’m sure your videos are helping lots of us seniors!😄
How much are your monthly premiums? Any high co pays? Is this plan an HMO?
@@DebbieBennett-p5v My understanding is that the F Supplemental Plan covers all 6 of the gaps discussed in this video. No co-pays. Monthly premiums will vary based on where you live and that's all you will be responsible for. HMO? No, Original Medicare with a supplement plan is not managed by anyone aside from your doctor and Medicare. "F" Supplemental plans are no longer available to those born after 1955. I'm not certain if there is an exception if a spouse was born previous to 1955 and the other at least 65, in which case both may be covered under Plan F. Need to confirm that.
No exceptions. ua-cam.com/video/89xdCamqOOM/v-deo.html
All I've heard is that United Health Care is the worst of them all, whether supplemental or work related or private insurance. See videos by Dr. Glaucomfleken which are very entertaining if you understand irony. He makes it all crystal clear. Doctors hate insurance companies just as much as we do.
I have plan F last couple of year’s premium has risen every year I’m now paying $330 month l have been informed it will rise to $377 in January also told l can change to plan at almost $100 less a month but then there is a gap l would have to pay and if not happy can return to plan F l can remember a friend who had a better plan than me but she was paying a very high monthly premium they are going to get you whatever way they can and as you get older you hesitate to change because you are more susceptible to illness
I’m 70 and going to retire next month. I’m very thankful for this video and plan on getting Plan G in addition to my Medcare and Plan B.
Glad it's helpful! We would be happy to help you with that. We can assist you with the whole process to make it a transition to Medicare. feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Have a great retirement 🎉🎉
You won't be disappointed, forward thinker, I'd say.
Really should present G, N.... AND.... high-deductible G... and compare pro/con of each. High deduct spooks a lot of folks but the "potential" impact is lessened by the massively lower monthly cost of HDG will allows you time to build a $ "war-chest".......
I would like to take this moment to thank everyone at Medicare School because of their videos I received the education I needed. I just wished I would have known about this 7 years ago. Again thank you so much for all your educational videos.
Thank you for watching
I love how he explains everything fast and understandable !
Too fast !
Well done - an excellent presentation that clarifies everything that most people need to know about Medicare.
Most people can't afford traditional medicare!!
I agree that a supplement plan is the best way to go if you can afford it. Please note that it takes more than 15 minutes to do a Medicare Advantage presentation. Just going over the summary of benefits per line takes 15 minutes. You got to check their doctors & prescriptions to find the best MAPD for the client. Plus, many people like the extra benefits like dvh. Great presentation! I watched your videos every day.
Please spell put words don't abbreviate. We are new to this and I don't have a clue what the abbreviations are
@@DebbieBennett-p5vMAPD = Medicare Advantage Prescription Drug, DVH = Dental, Vision & Hearing
True. Thank you for the comment and for watching. Glad it's helpful!
If people can afford it, they are often happier with a Medicare Supplement Plan. However, if budget doesn't allow, we help many people find a great Advantage plan option out there. There are ones that are much better than others.
If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Dvh means dental, vision and hearing
I went from a supplemental plan to an advantage plan and saved $11,000 the first 2 years and didn't worry about it after that.
My Medigap G saved me so much grief. I got it just before I had a heart attack and cancer. You never know when you might come down with a dreaded disease.
Thank you for the video. This is clearest overview of the gaps and how Plan G (and N) fill them.
Glad we could help!
I got the G plan. Last year I fell and messed up my knees and a wrists (nothing broken, just sprained) and hit my head. I'm on blood thinners. I had to go by ambulance to the ER and they gave me xrays on my knees and wrists and a CT scan on my head. I was there seven hours. It cost over $15,000. My bill was $0. I'm telling everyone about your UA-cam channel.
My supplemental plan goes up every year. Quute expensive, however it was worth it. I had back surgery and stayed in rehab. I had no additional costs. The actual cost was $500k. I have plan N.
Thanks for sharing.
I have been on Medicare 3 yrs and I am on U tube every day and today is the FIRST TIME I have seen any information on Medicare advantage plans!! Or about why no one talks to you about the regular Medicare anymore!! I asked several agents specifically bailout why they will not explain regular Medicare I was told it is too expensive and I really feel like every agent I have talked to has lied and mislead me!! I am very upset and angry! Also can you get on regular Medicare after being on Medicare advantage ?????
MOST people prefer(including me) a supplemental plan, but most people that are making under $50,000 a year can't afford them.
Need you are so right!
True but I learned to afford it!! Because I prefer to have a stress free when it comes to my medical care
People in the South can't. Insurance is not provided for employees by most employers. Employers don't pay employees enough.
I am from the south and have been all my life. As you get older you have to chose your battles wisely. Learn to give up things that are less important than you realize. Living a less stressful life is more important than you realize.
I can't afford my almost $400/month supplemental plan either, but the alternative is just ONE of my copays is $500/month for my oxygen concentrator and I have tons of medical bills so I go without food, entertainment, some meds, to keep from losing my home to medical bills, which is the number one reason people " lose" their homes. Our Country has the worst medical care of most Countries with the worst results and the highest prices. It sucks to put it mildly. Oh, I make 18k a year, and the cost of housing in Montana is now some of the most expensive in the Country. They're going to make us all homeless or just let us stay sick. As a matter of fact, there's no reason that I couldn't be 100% rehabilitated after very serious injuries, BUT, they've also figured out that they ( the insurance companies) make more money keeping us sick. That's facts and it's disgusting and sad!
Insurance is complicated and confusing, even when it is explained in a simplified way as it is here. The terms Advantage, Supplemental and Medigap terms only confuse us. Is it too much to ask for Medicare to provide health, vision, dental and hearing coverage so we don't have to deal with all the other extra insurances?
I’m so embarrassed by America’s Medicare . The book we get for it and social security is an inch thick. It’s a disgusting thing.
What's truly perverse apart from the capitalistic for-profit so-called health care
Is that America ties health care to having a job
When the pandemic hit and millions of Americans lost their job and their health care
Millions of workers and other countries lost their jobs but did not lose their health care
Over half of the Americans who declare a personal bankruptcy have medical insurance but can't make the bills
In countries with national health plans, nobody declares personal bankruptcy for medical bills
Yet again
The capitalistic oligarchy screws American citizens out of their wealth
Why so complicated?
Special interest in politics.
For profit insurance companies wants a slice.
ABSOLUTELY POSITIVELY FANTASTIC VIDEO !!!
...and really good too.
(Thank You!)
Glad you enjoyed it!
After 12 years with advantage plan both my wife and myself are so far ahead in dollars that it is not even a choice anymore. We have never had any network problems or any questions on coverage.
What company did u go with?
@@BUBBLESPOGO Have had both Aetna and United health. Both were about the same
I’ve had plan G from the beginning of my Medicare coverage it’s been very cost efficient I don’t have prescription because my med are old drugs and cheap
Thank you for clearing that up for me. I have to sign up this month for August birthday and that made my life a lot easier to decide.
You are so welcome. If you have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I’ve had a advantage plan for years, no referrals, no co pay for primary Dr. …..Drug plan that is very good.. go to any Dr. Had both knees replaced and a hip replacement. In 2022 and 2923 small co pay. But In. the long run I’ve saved. money. No problem with insurance.. ….. with Medicare-you have to have a separate drug plan. My friend has Medicare, I’ll take my advantage plan
My team would be happy to assist you with setting up your Medicare coverage correctly. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
I agree. I have an advantage plan but I am in good health right now. Age 75. My husband, however, has a heart condition and he pays a lot of out of pocket expenses for doctors and prescriptions. He needs the Medicare and supplemental plan because all hospitals do not take the advantage plans. Medicare sucks!
Wow. Very impressive presentation. I'm 62 and living overeas with local medical insurance. But it seems to make financial sense to get into A, B, D, and G so when I need it, I can go back to the US and get treatments with no waiting and no penalties for not having coverage.
To choose a plan, first off, is to meet the needs of the individual. Advantage plans are excellent plans as well. Many people will get an Advantage plan that allows them the ability to go and stay for months in another area. Not sure when this video was made, however, it may not be up to date.
Thank you for your feedback. If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
More and more Advantage plans are rip-offs; tread very, very carefully. I would not touch them with a ten foot pole.
Right, I have Advantage and I have had no issue with pre authorization and my plan is A PO S plan meaning point of service so if I an referred out of state or an traveling I am covered . This guy doesn’t have all the facts, BT W I am a retired Hospital Administrator Masters level , so my advice is pick what is right for you , sit down pad and paper after you get the details. Please note the supplemental premiums go up every year , change of cohort etc. my Advantage plan I have had for ten years has gone Down every year . YOU NEED TO MAKE THE DECISION BASED ON YOUR HEALTH CARE NEEDS
Thank you for this info. I'm turning 65 in Dec. and I'm totally confused. I filed insurance for an ob-gyn group for 10 years but I'm lost when it comes to choosing Medicare plans. I'm very grateful for your videos.
Get a Supplement and Part D. Be sure to check the costs of each of your medications to choose the right plan.
This is one of most helpful and straightforward UA-cam videos I have ever watched. Thank you!
Glad it was helpful!
Great job! I've read and watched so many web pages and videos (too many to count) and no one, I mean no one, has done such a good job of explaining the supplemental plans for Medicare. Thank you ever so much!
Thank you for your support!
I'm in Nevada and once a year, in my birthday month, I have the opportunity to switch plans with no exam etc. I have F and love it. It's AARP United Healthcare. MY premiums are high now. They started out low , deeply discounted premium and then every year it increases until there is no discount. I'm at just under 300.00 per month and I'm sort of dreading getting my new premium notice. I was thinking of switching to G but depending on the premium by the time I pay the deductible it may not be worth it, and who knows what it will be raised to in coming years. It may, in time, become completely unaffordable.
I'm so over this stuff. Advantage plans ONLY Advantage the insurance companies. Some have been cited for denying care to patients. This was Medicare approved procedures and the companies said no. United Healthcare has some of the highest compensated executives taking out millions of dollars. United Health CEO took almost 21 million while Cigna CEO took 91 million. This was in 2022. They rake in billions. Advantage is private insurance approved and promoted by Medicare and we the taxpayers pay for it. Kind of like the privatized prison systems. Patients get less and WE pay more.
I dropped UHC AARP and got Aetna supplemental. Under 150 a month.
I appreciate all the information from this video. But I’m a USPS retiree. Would you explain our best choice for Medicare with PSHB?
Please explain PSHB we have BC/BS supplement it is so expensive and going up. Thanks
Thanks good information!! I often drop your name to friends that are soon to be looking to get on Medicare. Even though I went with a different broker only because I found you after I had already signed up I would have selected Medicare School due to the fact that you are very responsive and post informational video's weekly. The broker I did go with is a stand up company and I'm sure you know him, and I am happy with his company. Keep up the good work!
Thank you so much for watching. If have any questions please, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
That is right they cannot cancel a your Supplement Plan. BUT let me tell you THEY WILL GO UP ON YOUR PREMIUM ON YOUR AGE.
Won't MA also go up as you age?
Josh, your Pop rocks.
I get it, different people like to learn in different ways; grids speak to me.
I will be going out-of-the-country and Medicare will be my catastrophic fallback as I will have primary insurance in Thailand which covers me for everywhere but the US.
A/B/G seem to be how I should roll; your Pop's videos will be high on my list of keeping a breast of changes.
Thanks again!
... and D?
Plan N likely has healthier members than G (skin in the game, $20 & $50 copays) but the savings of $40 a month over 20 years will be overwhelmed by one cancer treatment at a specialty clinic.
Also, just a suspicion, in the future doctors may all add on that 15%.
G or HDG seem best.
These are my thoughts as well, especially since Medicare keeps cutting reimbursement rates. I'm keeping my plan F.
@sammencia7945
Why would one cancer treatment at a specialty clinic wipe out the $9600 savings with Plan N vs G? To do that, the Medicare Part B approved amount for that one treatment would have to be $64,000 or more. Also, that $9600 savings assumes Plan N premiums will remain just $40 cheaper than G premiums. Most Medicare experts say the premium gap between N & G will likely widen substantially in the next 20 years and thus increase the savings with Plan N.
I would go with Plan G, overall better option. I prefer not to have the 15% risk if something major happens.
@@MedicareSchool
Agreed.
What about Medicare retirement plans explained as PPO’s? I’m researching the benefits but can’t really get clarifications on Part B specific coverage. Also, can you explain how part B change in 2024?
Thank you for taking the confusion out of this process.
I have the “F” plan and will never change
I have Medicare n Medicade n my Medicare don’t start till February I picked an advantage plan n They said I don’t pay for anything plus I have 500 a yr for vision 2500 a yr for dental choiopractor unlimited n acupuncture 22 visits n 263 spending card free prescriptions but I have no idea if that is good or not
Those are dual plans and they provide fantastic coverage!
One this he did not mention is if you live in these states Connecticut.
Massachusetts.
Minnesota.
New York.
Ohio.
Pennsylvania.
Rhode Island.
Vermont
The part b excess charges are banned so basically the plan N is just like the plan g in those states but cheaper
Thank You for your expert advise, great information !!
Glad it was helpful! If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Wow ... Watched some of your videos and I'm so grateful for the information and I love the pace you cover the topics. Say it clearly and move on. Packed with information. GREAT Job! I didn't know what I didn't know until now.
You are so welcome
Interesting video although I prefer Plan N. Most agents really don't understand it.
At the 6 minute mark the information is incorrect. I was on United Healthcare in NY and moved to NC and I was able to keep mine because I still needed to keep my Drs in NY till I could get into new Drs in NC. New patient status always takes months to get a appointment! I had a nation wide program which I was unaware that any Advantage Plans had, lucky me. But after first year here NC I received a letter from most of my Drs that they believed United Healthcare wasnt bargaining in real faith and warned me as of February I would likely not be seen anymore so I had to switch in upcoming November! Dont seem fair to the consumer to lose your healthcare when you still need to pay your premiums. Consumers are always the losers!
The older you get, the more expensive supplement gets. This year it is $400.00 per month. Don't know how much longer we can afford it.
Open enrollment is only for “advantages plans” and Rx part D, doesn’t apply to supplement plan.
Aetna supplemental is 140.00 a month for plan that covers Everything. Who have you been talking to?
@@maryheath3810depends what state u live in verses cost.
@@paulasoutchek3747 I live in NC. The rep never asked me about what state I live in
No one ever talks about the annual premium increases,which are not always minimal; plus,insurance premiums go until with age,so you might experience 2 increas3s per calendar your,depending on your enrollment anniversary (or birthdate,not sure which). Getting pricey the older I get
Thank you dear sir
You're very welcome, thank you for watching.
Medicare should send a letter to every participant when they turn 65 to warn them that by taking a Medicare Advantage plan, you pretty much are stuck with it for the rest of your life. I had an employer paid prescription plan too that was terminated by the Advantage plan. Too late for me but Medicare is the way to go without a doubt.
Why can't you get out of your plan?
Why is it so hard to get out of the MA plan?
Thank you! I am now looking at Medicare in a totally different light.
Thank you for watching!
After I get a supplement G plan. Where do I find the vision and dental plans?
Thanks for the great job of educating the public. Every video you produce, I find that I continue to learn something new regarding part g versus other plans.
That is what we are here for to help and educate along the way, glad that we are doing just that!
Fantastic. Thank you for a very clear explanation. God bless you.
Glad it was helpful!
My advantage plan had no premiums and included prescription, dental, and a grocery card. My co-pays were low. Why should I pay additional premiums for less?
Plans are all based on what kind of coverage one would like to have. If your advantage plan is working out in your favor that is fantastic, we know that it can work out for the best in some cases but not for everyone. Paying that monthly premium to a supplement to ensure that you can be serviced any where in the US, and never have to endure large medical bills. It's all based on situational needs.
You also have to add what part D cost. Dental,vision,hearing aids etc.
Thanks for this great info. I am debating between G and N. Then of course, I'll add a low-cost Part D.
QUESTION: Once I start paying Part D monthly, can I still choose to go anywhere for perhaps cheaper drugs? I just take an inexpensive water pill for HBP.
Great question, @bachguy40! I am also debating between G and N. And I've found a low-premium drug plan, but it has a $500 deductible. I wonder if I can go elsewhere (to a discount drug site) for one prescription. Marvin @MedicareSchool?
Every situation is unqiue. If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call 1-800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
@@gingersinton5172yes, that’s what I do. Even though I have a plan D company insurance I avoid it and I take 5 different meds at the moment.
Yes you can, I do that without any issue, I take 4 meds.
Great info. I’m happy I found this video. Q: can you switch supplemental plans down the road or are you stuck with your first pick for life?
You can make changes, you will likely have to go through underwriting depending on what state you live in. If you are unable to pass that would leave you with the plan that you are on.
Nicely explained, thanks, I am still 2 years away just turned 63, but like to do my research. I have a rather large sum of money in an HSA account, which I put the maximum amount allowed into it each year. Currently my spouse and I have no medical issues of any kind, which I know could change quickly. I am trying to decide if I want to do just a and b, with no supplement, or if I should go ahead with the g also. Any thoughts on this? I know it's more of a choice. I guess I need to decide if I want to roll the dice on skipping the g.
With just A&B,, there is no limit to what your out of pocket costs can be so that is a huge risk if something major happens. ua-cam.com/video/P45ux_rxMYE/v-deo.html
ua-cam.com/video/ZEPfIy8ibbQ/v-deo.html
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I’m just ending my first year on Medicare. I took a high deductible G plan and it has worked out good so far. I want to run the final year numbers to see if I should change or stick with what I have.
My team would be happy to assist you with setting up your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
@@MedicareSchoolby7
I have passed on you channel to several froends thank you for your integrity!!
I appreciate that!
Thank You, I am a very healthy 65 year old, still surfing and I have a steady 35 year plus yoga practice. I am going to wait until I am 67 to collect SS. It is obvious that supplemental is the way to go but I am not working now and would like to go with an advantage plan for the next 2 years and when I start to collect SS I will switch to supplemental. Besides making sure I buy a plan D while on advantage is there anything else I need to be concerned about.
You actually don't have to have a stand alone Part D plan if you are getting an advantage plan, most advantage plans already have built in prescription coverage. But, you will want to keep in mind when you make the switch to the supplement plan they will require you to do medical underwriting. If you health has changed or you already have pre-existing conditions you likely wouldn't pass underwriting and would be denied that coverage.
@@MedicareSchool Thank You, I appreciate it.
I have the supplement plan through StateFarm for 21 years. It has gone up in that time $400 a month but when I go anywhere doctors hospitals, whatever it doesn’t cost me anything.
If you are in fairly good health you can pursue underwriting for a lower rate. My team would be happy to assist you with your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Be careful trusting State Farm, after 35 years of paying in... I had a horrible experience when my upstairs neighbors hot water heater flooded my 35 year old business condo... I had 2 business plans and they told me they basically had no value... worthless company in my experience 😢
Thank you for useful information 🙏🙏🙏🇺🇸🆒
Glad it was helpful! If you have any questions you can call our office at 800-864-8890.
After having spent time in other countries all I can say is the healthcare system in the US is just a disaster. We pay more than anyone else and get far less. As long as I am able I will do all I can to push for and promote us having a single payer national health system.
Whew! I chose right for me and hubby. I chose G for me and N for him. He hardly ever goes to the MD.
I would like to switch from an Advantage plan to Supplemental G plan. My question is does G cover prescriptions?
G does not cover prescriptions, you would have to get a Part D plan that is separate from the supplement plan.
I was able to get the F plan. I love it.
Thank you. That was very clear to me in anticipation of open enrollment for 2025.
Glad it was helpful!
Sure I would love to be able to afford a Medicare supplement but I only get $1,800 a month so it's a no-brainer there's no way that I could afford three or $400 payments a month on top of co-pays and out of pocket expenses. I have no choice in the matter but to go on Medicare advantage plan and I have been for 10 years now.
Greetings: I am NEW to all this and haven't even filed for my Social Security benefits yet but thinking about it, of course. I suppose my question is - I thought an individual signs up for Medicare through the Social Security Administration?!? Obviously, I'm off base ... 🤔!!!
You should do a video highlighting all the many speciality cancer hospitals that charge excess charges
Great insight. If you have questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I am 75 now and I have BCBS supplement plan F and I pay $298.50 / a month. It cost too much for me now.
If I switch to AARP - United Health Care after Dec 2023, can I still stay on plan F or I have to buy plan G ?
Also, which plan is good for Rx ? I pay BCBS Rx $167 / a month now. Thanks
I'm from Minnesota 76 yr female and on plan F....changed from Medica to BCBS to lower my premiums.....kept the same plan F, but had to go through underwriting...no health issues so passed...glad I went with large national company instead of regional.....better price stability.
The only answer for me is no doctors and die at home. I can't even pay the yearly part B cost and prescriptions. I ended this mess. Now diet, exercise, herbs, and wild lettuce for pain. It's over for me. One thing this did was end worry and headaches trying to figure how the heck I could pay it!
My team would be happy to assist you with your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Im sorry to hear this but it’s extremely stressful and expensive to grow older in the USA sadly , on my experience.
I understand Residents of eight states cannot be charged a Medicare Part B excess charge when visiting a medical provider in their state. These states are Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont. This could be an outcome determinative factor in those states to chose Plan N over Plan G. I think this video oversimplified the G versus N plans
Thanks for your input. ua-cam.com/video/tYXvKvMPbpI/v-deo.html
This is best explanation about medicare supplements..
I wish to know which insurance is best for Medicare supplements plan G.
My team would be happy to assist you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Excellent video. Informative and to the point. Thank You.
Glad you enjoyed it!
I can't find anything on the K and L plans. These are the only Medigap plans with out-of-pocket maximums. For what type of situation do these make sense?
Those are really just not popular plans anymore and very few people still have them. Here is a video briefly talking about all plans that may be of some help. ua-cam.com/video/5Gz0bfbtQgc/v-deo.html
What’s not talked about is the $175 per month for part B in addition to the premium for any supplement. When my wife turns 65 next year that would mean an additional $175 per month for part B. Much cheaper to stay on our employer’s health plan until we retire. I pay &10 per week with a 0 deductible 80/20 plan with a $5000 max out of pocket. Don’t think that could be beat,
In two years, when I am eligible (God Willing), I know I will buy a Supplemental Plan.
Great choice! If you have any questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
@@MedicareSchool What is your contact information?
I switched from G to F. The savings were more than the deductible that I now have to pay.
I have J with Athena, which is no longer offered. My monthly charge is 445.57. I am afraid to change, but I think they are pricing me out!
Depending on where you are located and your health status, you can reshop for a lower rate. Sounds like it wouldn't hurt and may work in your best interest. Plan J is extremely outdated which is why your increases are higher than most. My team would be happy to assist you with your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
how about discussing options for one that has coverage from an employer in retirement
my agent was for me, continues to be for me, always there to answer questions, help me. she did not sell me an ADVANTAGE PLAN, I wanted and bought an ADVANTAGE PLAN. have been extremely happy for over 12 years, have saved thousands of dollars.
That's great to hear! If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Can we still get supplemental plan after we already on Advantage plan?
If you can pass medical underwriting yes you can make those changes. Give us a call so we can support you along the way! You can reach us at 1-800-864-8890.
P.S. Also, from some semi-generic information I read - I thought the Advantage plans cost more? So Medicare Part A is "free" which covers hospitalizations, then Parts B, C & D are what we pay for that comes out of our Social Security checks?!? Lastly, so a Supplement plan is like acquiring insurance in the old way, say - before one turns 65? Color me "confused" 😅!!!
Can I still switch after being on an Advantage plan for 5 years? I was automatically enrolled in an Advantage plan at the start of my SSDI. What is the process to petition or apply? Thank you.
ua-cam.com/video/hTwF6ME9oeM/v-deo.htmlsi=IN1LNxfuRRN5pHPP
If you have any other questions, or need help getting your Medicare coverage set up correctly, give us a call to schedule an appointment: 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Medium small size town in central Fl - plan G $158 a month plan N $136
If you need help getting your Medicare coverage set up correctly, feel free to give us a call at 800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
I'm on Plan G and I love it. But the premiums are getting ridiculously high and something needs to be done about them. The CEO's of these insurance companies live in the lap of luxury with their fancy homes, cars and yachts while we suffer as a result of high premiums. I can see why so many people are going to Advantage plans despite the downside from these crooks. But before I go to an Advantage plan I will downgrade to a supplemental plan where I'm paying less. My premiums have been over $200 a month for the past few months and continue to rise.
You misspoke when you said that Plan C is only available to those born before 1955. Plan C is a Medicare Advantage Plan. Any way you can update your video?
If you have questions, or need help getting your Medicare coverage set up correctly, give us a call at 1-800-864-8890 or schedule a free appointment here:
www.medicareschool.com/talk-to-a-guide?rc
Can you answer whether you misspoke rather than have people call you on your 800 number to ask if you misspoke?
Skilled nursing stay has to be inpatient status not observation for 3 midnights. Hip and knee replacement is off the inpatient only list so hard to qualify for skilled nursing stay.
Thank you. You rock!
Thank you for watching!
Great explanation of plans but I wish you would spend some time discussing the various providers of plan G & N. You keep stating average cost of G plan is $140.00/ month or so. I would love to get that cost. I have had a Physicians Mutual plan G since 2016 and it has been excellent but their premium goes up every year significantly and my monthly fee is double what you say is the average. Also, what needs to be discussed is switching plan G providers and the underwriting process. While I love Physicians Mutual, they are really becoming price prohibiting but I am stuck with them due to some health issues which I am sure would exclude me from switching plan providers. Would love advice on this. Thanks!
My team would be happy to assist you with setting up your Medicare coverage. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Premiums go up annually with the increase in the part A deductible
YOu have been very helpful. My husband and I went with a supplemental plan
Great choice! Thank you for watching.