If one can afford medigap, you should go that way. The only reason to go advantage, is you never have to use it. But it’s unlikely to stay that way as you age. IMO
Young timer, I respectfully disagree. I have many clients in the 1200-3000/mth range that do use their plans, that save lots of money against a medigap plan. A 75 year old male tobacco user is paying well over 400/mth + part B premium + PDP + DHV, and I can put them on an MAPD for $0 premium + Part B premium, where they may spending $1500 total/yr in copays. There is a use for Med Adv and the only people that don’t want to admit that are people that WANT to sell medigap only. The MOOP, in 90+% of cases, will never be reached in a given year.
@@mikescatena5732 well, I said “if you can afford Medigap”. You say that you disagree, but then go into how someone might be able to save $$. To me, that says you are actually in agreement. You also did not address perhaps the biggest concern of more health issues as time goes on. There are a number of other significant benefits of medigap as you know. And for the record, my agent sells both so I’m not biased by their influence (as you seemed to imply).
Medicaid pays our Medicare Part B premiums which means our Part B premiums are NOT deducted from our monthly Social Security Disability checks. My husband and I are eligible for one of the four Medicare Savings Program, SLMB (Specified Low Income Medicare Beneficiary), which pays our Part B premiums only. Those SSD checks are our only income.
Exactly to my point, these insurance products have to go by CMS rules and regulations. There are many clients out there that are on a low income so these plans that are slmb are out there for those individuals that need the help. An. Educated professional agent should be able to help you with all the information and options and benefits available to you so that you can find a plan that best meets your needs.
@@edmondtonsglobal4393 all plans are garbage. Every insurance company is now owned by the same financiers. They don't give a fuck about anyones heath. It's purely profit based. It's why they pushed vaccines so hard. It's why it's all about lowering rx prices to boost bigpharma profits. Hence it all being included in the most recent omnibus bill. Defund the SSA!!!!
Retirement is very expensive if you need medical care, devices, etc. on a regular basis. We pay $150 (approx.) for basic Medicare, and another $145 for the advantage part. Plus, we have co-pays on everything. And, many prescription drugs are either not covered at all, or so expensive we can't get them.
Stephanie! Certainly the very best explanations of how Medicare and the variety of options work. I'll be calling your office on Monday to check and see what you have say about my current selections. Many thanks!
The Optimum Gold Plus Plan in Florida is a viable option for certain areas in Florida. I really don't know how they offer it. 164.10 part b refund. 1900 MOOP, 75 Inpatient Hospital copay (days 1-5). Unfortunately, I don't live in Florida and not found such good terms elsewhere. With 1900 MOOP and almost zero premiums makes it very appealing if you live in their coverage area. You would have to deal with in network and certain medical procedure approvals, but if affordability is an issue the plan is something to consider.
A question for you. I still pay my Part B even though I live overseas and will only use Medicare if I get massively sick and need to return to the US. Unless that happens, a complete waste of money for decades. So the Part B buyback is perfect. But is there a way I can use it if I no longer have my US address? I could use a relatives but would that be okay? Any suggestions. Seems unfair to pay Part B with no benefit, and even more unfair if I'm blocked from getting a buy back plan. When I go on websites with a zip code field to enter to find buyback plans I realized my problem... no zip... unless I use a relative or friend's. BTW, I am still registered to vote in my home state.
How can I search for an advantage plan that STATES what my "give back or reduction" amount would be? All I can find is just the non-specific "yes" (there'd be a reduction), even from my current company that is providing it. They aren't saying whether it's different for 2025. Most companies don't address it at all. I went through this last year and it's infuriating.
You present very understandable information! My husband will be 65 in January and will retire and collect his SS and Medicare. I won’t be 65 until Sept. of the same year. I’m a stay at home wife. What do I do for health insurance for those 9 months until I can enroll?
Get Obamacare, that's what I get for my wife (62) but this year we may not make enough to get on Obamacare. If you are below poverty level (only income is my way below average SS) the government will not give you Obamacare coverage and she will not have any insurance until she is 65. We live in Texas so can't get medicaid.
I live in Pa! I was approved for the pay back for Medicare B, I received that back in my SS for 2 months, and then I was to pay Plan B myself. I didn't understand why they did that. Very Confused!
I just cancelled a give back plan after signing up a few weeks ago.I don't trust any of them,if its too good to be true it is.I received a letter after initially signing up,and it stated I would continue paying part B,I was like huh?I'm 72,in good health,take two inexpensive meds,and pay for them.I could have used the vision and dental though small,but,oh well.I'm single,alone,no family or kids,pretty scary,probably the reason for being extremely careful.
Thanks Stephanie, you are first person I've seen on youtube to break this down! I don't believe a word from joe willie namath about the "Give back benefit" lol. When my time comes it will definitely be a medicare plan G or N. I'm 57 so it's coming fast lol 🤣😆🙃.
Joe Namath and William Shatner are being paid millions to shat on the rest of use with fake math. Acting in commercials is very lucrative for celebrities.
Ok I am retired Army and VA...so...what is the best Medicare for me? - Also I will be Tricare For Life (TFL) and that then must be considered a Medigap plan? and probably the best Medigap plan? - Obviously I need A + B, but which way to go? - traditional A + B which costs me $150.00 a month, or - should I chose a Medicare Advantage cash back plan which basically pays my part B $150.00 fee every month and leaves me at no cost for A + B? and how would all that work with TFL? and with VA hospitals?
@@jayvirtusio1081 issue is with Advantage...like a PPO/HMO so area specific, and higher cost shares I want to say 7,000 dollars in yearly deductibles or cost shares, at least so far that's what I understand. So you might get them to pay the 150 dollar Medicare B but at a risk of higher costs and don't go on vacation the hospital may not be in your network?
I have disabled and have had Medicare Advantage since about 1989 . I have never paid Parr B or a co-pay or paid for medication . I have great caring insurance care, doctors and hospitals. They include $110.00 over the counter drugs as well as $75.00 monthly food card, $1,500 dent and vision. They send a Lift or Ubar to my door for transportation, call for a ride and wait 3 minutes, not a bus with other people. What's to complain about?
The whole concept about Part B is misleading since technically the MA plans are Part C. As one person said they are effectively negative premium plans. IMO, the whole MA system is a giant rip off and should be completely eliminated.
It’s not a ripoff, but these brokers on UA-cam would have you think they are. When you’re on traditional Medicare you completely on your own, navigating the healthcare system, hoping that transition from hospital to skilled nursing to home goes smoothly, that you get your prescriptions, that the home care nurse shows up, etc. With a Medicare advantage plan you’ve got a case manager available to you to help you through all of these things. It’s a lot more than just the dollars and schedule of the benefits. Many people don’t realize the wealth of services that are available to support you in your healthcare journey through a Medicare advantage plan. And these brokers evidently are not aware of it either, so they never talk about it.
Seems people forget what "insurance" is really for. Do you purchase Life Insurance with the intention of taking advantage of it? Auto insurance to have your car body tweaked perpetually? It's for limiting your risk, not seeing how much you can get out of it. I'm putting over $2,000 back in my pocket annually with a "Give Back" policy. Take responsibility for your own health (make someone like Ken D Berry MD your GP) and reap the rewards, physically and financially!
What if I'm being charged monthly for Medicare but I haven't used it in years? Moved to my husband's insurance almost 5 years ago. Haven't used Medicaid/Medicare since... (Disabled Texas resident/ SSDI)
If your husband is actively employed and you are covered on his employer plan then you can call social security to cancel/pause your Part B enrollment. 1-800-772-1213
Thanks Stephanie for reviewing and explaining this option. I have seen a similar commercial and was wondering about the details. While it may advantageous for some its certainly not for me. Again thanks for your unbias advice on Medicare insurance.
My mom is 67, never worked, is divorced, and in need of medicare but no ones helping her get enrolled and/or is rejected from getting it due to her never worked and putting money into SS. any advise?
Feel free to have her give us a call at (888) 465-9728. She will need to get in contact with Social Security to see if she qualifies for Medicare with a "special enrollment period", and whether or not she qualifies for premium free Part A.
I moved from Orlando to Newport News VA this past year and boy do I regret it! My rent is the same and so is my medical pretty much, but the Part B is none existent at all? Could you help me with that at all?
Thanks Steph great info! Question if you dump Medicare for a Medicare Advantage plan and hate it.. is it possible to switch back to medicare in a few months... or must you wait a year for open season.. or can you never go back to medicare and must switch to a different plan.. but not back to Medicare? Thanks
This depends on several factors. For example, if you drop a Medigap Plan to enroll in a Medicare Advantage Plan for the first time, you have a one year “trial right” to return to Traditional Medicare and to get your old Medigap Plan back. However, in most situations you are locked into your Medicare Advantage Plan for the calendar year and can switch back to Original Medicare either during the Annual Election Period or the Medicare Advantage Open Enrollment Period. I hope this helps!
I am a 53 year old Veteran (with no VA Disability payments) but receiving Social Security Disability benefits and VA health benefits... Medicare just started talking $148.50 out of my Social security disability payment every month ... is it better to opt out of Medicare or Sign up for a Medicare advantage program?? I really can't afford the $143 each month out of my check
I am getting ready to enroll in Medicare Part A and Part B, however, I do not know if it is necessary or a MUST that I do so at this time as I plan to keep working until the age of 67, or possibly 70 - I am currently 64.5 year's old. So, please let me know if I still need to register for Medicare Part A and Part B, am able to still keep working, and keep my husband's insurance plan if I enroll in Medicare Plan A and Plan B, now. Thank you.
If you are covered under your husbands employer health plan, and he is still actively employed (not on COBRA or a retiree plan) then you can generally delay your Medicare enrollment until he retires, without penalty!
Hello, I have a question. I am a FEHB retiree. I have been on Medicare since 1/2020 (Soc Sec Disability, under age 62) . My previous Health Care Plan did not inform me about Medicare Reimbursement nor did I pay attention to the silly commercials. This year I changed Health Care Plans and they actually sent me a letter informing me that I and my hubby (also Soc Sec disability) qualify for MRA. I printed the claim forms and got my COLA letter ready but what about my 2020 and 2021 reimbursement. Aren’t I owed that too? Even though I switched Health Care Plan carriers, aren’t the old carriers due to reimburse me from 2020 & 2021?
The part B giveback were talking about in this video refers to MedicRe Advantage Plans that offer a part B premium reduction. It sounds like your situation may be more specific regarding Medicare reimbursement. Please feel free to give us a call if you need help!
They are basically negative premium advantage plans instead of $0. Key word is "UP TO" $140 back. Like you said, it's misleading and hard to look up for a reason.
I don't see the promised link on your website for searching the summary of benefits. I find your video has only increased my confusion and wasted my time.
Virtually every TV commercial for ADV or GAP is VERY misleading and presented it like its the government program. I would say just send me the money medicare sends the ADV plans each month (like $700) and I will go to Vegas and take my chances.
What about the Medicare Savings Program (QMB). I was told that the doctor has to be a provider for Medicaid as well as what insurance one has. Is this true?
But....but....Joe Namath said so. He said he would win Super Bowl III and everybody laughed at him. The Jets won!! He said I would get free dentures and free glasses and free meals and free everything. LOL Hey, the Jets won didn't they? (If you were an elderly football fan you would know about this stuff.)
Annually the basic part B Premium is set at an amount. In 2022 it is $170.10. If your 2020 taxes were over $91k if single or over $182k if married filing jointly, Social Secirity will send you a letter telling you that your part B Premium will be higher than the basic premium. Because you have had a life changing event (retirement) with a permanently reduced income you can complete a waiver (SSA-44 form) to have your income and Part B premium reassessed (and Part D to by the way) Because your 2021 tax will also be high, SS will consider a very accurate, clear estimate of what you expect your 2022 income to be. Call social security for assistance completing the waiver request and your attachment of your estimate of retired income after you have done your estimate.
I know what the program is I looking for what companies are participating? Im disabled and transitioned to medicare in 2021. Seeking insurance for 2022
You have to check specifically with the insurance carriers in your area to see which offer this benefit. You can also check the summaries of benefits of each plan via our website - abtinsuranceagency.com at FindingPartC.com
Hello mam..im a new subscriber as of today ( nov 13 2021 )..and I have a question that maby you can do a video on for U.S VETERAN'S ABOUT THESE MEDICARE PLANES..AND WHICH PLANES WOULD BE BEST AND INCLUDE THAT GIVE BACK TO OUR Social Security..of which they never told me when I put in For my social security..that Money would be taken out for Medicare. In fact. I knew nothing about Medicare .they never explained that to me at the social security office when I applied at age 66..so can you can you help us VETERAN'S OUT HERE.. BECAUSE NO ONE ELSE SEEMS TO CARE..AND YES I DO HAVE MY V.A HOSPITAL benefits..but since this covid-19..things Have gone crazy..THANK YOU MAM..AND WILL BE WAITING FOR YOUR RESPONSE..SIGNED U.S.M.C RETIRED..👍👍👍
@@AbtInsuranceAgency How many are you personally licensed in? I’m sorry for asking.... I am looking into getting a license for my state, so I find it interesting
can anyone get their origial medicare back after joining medicare advange before the thirty days? i was tricked into this that i did not understand, and also i think the lady could not hear good also?
Joe Namath will take care of you. LOL He guaranteed he would beat Baltimore in Super Bowl III and he did it. He guarantees he will get you all the benefits in the world and do you think he wouldn't? He'll probably personally deliver you free meals and take you to your doctors appointments.
I called you this morning and I left my number but I only want to talk to you...I have several brokers calling me, I want you ....I have A and B I have to pic a supplement...pretty sure I know what I want due to your videos, just want to double check with you.
If one can afford medigap, you should go that way. The only reason to go advantage, is you never have to use it. But it’s unlikely to stay that way as you age. IMO
Absolutely! And people forget that if they want to return to traditional Medicare they may have to go through the underwriting process
@@five_o_fever9381 And then likely joe willie namath won't be there to help them lol .
@@Retiredmco Good one, the thanks.
Young timer, I respectfully disagree. I have many clients in the 1200-3000/mth range that do use their plans, that save lots of money against a medigap plan. A 75 year old male tobacco user is paying well over 400/mth + part B premium + PDP + DHV, and I can put them on an MAPD for $0 premium + Part B premium, where they may spending $1500 total/yr in copays. There is a use for Med Adv and the only people that don’t want to admit that are people that WANT to sell medigap only. The MOOP, in 90+% of cases, will never be reached in a given year.
@@mikescatena5732 well, I said “if you can afford Medigap”. You say that you disagree, but then go into how someone might be able to save $$. To me, that says you are actually in agreement. You also did not address perhaps the biggest concern of more health issues as time goes on. There are a number of other significant benefits of medigap as you know. And for the record, my agent sells both so I’m not biased by their influence (as you seemed to imply).
you are a doll helping us understand what they don’t tell us on the commercials thank you
Thank you Stephanie! You are the most knowledgeable insurance agent regarding all things medicare!
thank you, for what ever reason I just glaze over when trying to understand it all still.
This is why I tell customers to always check on their plans at least once a year.
Medicaid pays our Medicare Part B premiums which means our Part B premiums are NOT deducted from our monthly Social Security Disability checks. My husband and I are eligible for one of the four Medicare Savings Program, SLMB (Specified Low Income Medicare Beneficiary), which pays our Part B premiums only. Those SSD checks are our only income.
Amen
Exactly to my point, these insurance products have to go by CMS rules and regulations.
There are many clients out there that are on a low income so these plans that are slmb are out there for those individuals that need the help.
An. Educated professional agent should be able to help you with all the information and options and benefits available to you so that you can find a plan that best meets your needs.
Taxpayers* there, I corrected it for you
@@edmondtonsglobal4393 all plans are garbage. Every insurance company is now owned by the same financiers. They don't give a fuck about anyones heath. It's purely profit based. It's why they pushed vaccines so hard. It's why it's all about lowering rx prices to boost bigpharma profits. Hence it all being included in the most recent omnibus bill. Defund the SSA!!!!
Excellent video . I'll be meeting with Jake on Thursday to get a med adv. plan with a part b give back . See ya
Jake is outstanding! My dear friend, and an excellent agent. We’re excited to help!
I get my medicare premium paid by the State of Arizona because I have their Medicaid plan.
Thank you do much for explaining the different plans available. And how the MediCare part D works
You are so welcome!
Retirement is very expensive if you need medical care, devices, etc. on a regular basis. We pay $150 (approx.) for basic Medicare, and another $145 for the advantage part. Plus, we have co-pays on everything. And, many prescription drugs are either not covered at all, or so expensive we can't get them.
$145 sounds pretty expensive for an Advantage Plan. We would be happy to help you review your options if you'd like. Please contact us at 88-465-9728.
Stephanie! Certainly the very best explanations of how Medicare and the variety of options work. I'll be calling your office on Monday to check and see what you have say about my current selections. Many thanks!
We look forward to hearing from you!
I have seen those same commercials in my area about the premium reduction. Thanks for explaining how this works.
The commercials aren't very specific ;-)
The Optimum Gold Plus Plan in Florida is a viable option for certain areas in Florida. I really don't know how they offer it. 164.10 part b refund. 1900 MOOP, 75 Inpatient Hospital copay (days 1-5). Unfortunately, I don't live in Florida and not found such good terms elsewhere. With 1900 MOOP and almost zero premiums makes it very appealing if you live in their coverage area. You would have to deal with in network and certain medical procedure approvals, but if affordability is an issue the plan is something to consider.
A question for you. I still pay my Part B even though I live overseas and will only use Medicare if I get massively sick and need to return to the US. Unless that happens, a complete waste of money for decades. So the Part B buyback is perfect. But is there a way I can use it if I no longer have my US address? I could use a relatives but would that be okay? Any suggestions. Seems unfair to pay Part B with no benefit, and even more unfair if I'm blocked from getting a buy back plan. When I go on websites with a zip code field to enter to find buyback plans I realized my problem... no zip... unless I use a relative or friend's. BTW, I am still registered to vote in my home state.
How can I search for an advantage plan that STATES what my "give back or reduction" amount would be? All I can find is just the non-specific "yes" (there'd be a reduction), even from my current company that is providing it. They aren't saying whether it's different for 2025. Most companies don't address it at all. I went through this last year and it's infuriating.
Our site shows exactly this! FindingPartC.com
Great video your sound is Perfect Loud and clear..😉👍
You present very understandable information! My husband will be 65 in January and will retire and collect his SS and Medicare. I won’t be 65 until Sept. of the same year. I’m a stay at home wife. What do I do for health insurance for those 9 months until I can enroll?
Vicki, we can help - please contact us at 888-465-9728 or email stephanie@abtinsuranceagency.com 🙂
Get Obamacare, that's what I get for my wife (62) but this year we may not make enough to get on Obamacare. If you are below poverty level (only income is my way below average SS) the government will not give you Obamacare coverage and she will not have any insurance until she is 65. We live in Texas so can't get medicaid.
I live in Pa! I was approved for the pay back for Medicare B, I received that back in my SS for 2 months, and then I was to pay Plan B myself. I didn't understand why they did that. Very Confused!
Stephanie ive decided that when i retire, i am going to move to Austin Texas
It’s a beautiful place!
I just cancelled a give back plan after signing up a few weeks ago.I don't trust any of them,if its too good to be true it is.I received a letter after initially signing up,and it stated I would continue paying part B,I was like huh?I'm 72,in good health,take two inexpensive meds,and pay for them.I could have used the vision and dental though small,but,oh well.I'm single,alone,no family or kids,pretty scary,probably the reason for being extremely careful.
Thanks Stephanie, you are first person I've seen on youtube to break this down! I don't believe a word from joe willie namath about the "Give back benefit" lol. When my time comes it will definitely be a medicare plan G or N. I'm 57 so it's coming fast lol 🤣😆🙃.
Joe Namath and William Shatner are being paid millions to shat on the rest of use with fake math. Acting in commercials is very lucrative for celebrities.
@@Madronaxyz And Jimmy J. J Walker!
@@Madronaxyz
We have lost the
" USS Enterprise "
if we can't trust
" Capt. Kirk " 😴
Ok I am retired Army and VA...so...what is the best Medicare for me?
- Also I will be Tricare For Life (TFL) and that then must be considered a Medigap plan? and probably the best Medigap plan?
- Obviously I need A + B, but which way to go?
- traditional A + B which costs me $150.00 a month, or
- should I chose a Medicare Advantage cash back plan which basically pays my part B $150.00 fee every month and leaves me at no cost for A + B?
and how would all that work with TFL? and with VA hospitals?
Please feel free to give us a call! We would be happy to review your options. (888)465-9728
good question?love to know!
@@jayvirtusio1081 issue is with Advantage...like a PPO/HMO so area specific, and higher cost shares I want to say 7,000 dollars in yearly deductibles or cost shares, at least so far that's what I understand. So you might get them to pay the 150 dollar Medicare B but at a risk of higher costs and don't go on vacation the hospital may not be in your network?
I have disabled and have had Medicare Advantage since about 1989 . I have never paid Parr B or a co-pay or paid for medication . I have great caring insurance care, doctors and hospitals. They include $110.00 over the counter drugs as well as $75.00 monthly food card, $1,500 dent and vision. They send a Lift or Ubar to my door for transportation, call for a ride and wait 3 minutes, not a bus with other people. What's to complain about?
What is your insurance?
What is your insurance
The whole concept about Part B is misleading since technically the MA plans are Part C. As one person said they are effectively negative premium plans. IMO, the whole MA system is a giant rip off and should be completely eliminated.
Ponzi scheme. Forced on the elderly 🥺
A ripoff? Because there is a built-in network? Big deal! Just accept the network. It isn’t like they put a bunch of dummy doctors & specialists on it.
@@jeanwhite1659 Not forced...no one has to choose a Medicare Advantage plan.
@@aaronhadley3750 yes forced
We get screwed either way we go. Medicare needs to be revamped.
It’s not a ripoff, but these brokers on UA-cam would have you think they are. When you’re on traditional Medicare you completely on your own, navigating the healthcare system, hoping that transition from hospital to skilled nursing to home goes smoothly, that you get your prescriptions, that the home care nurse shows up, etc. With a Medicare advantage plan you’ve got a case manager available to you to help you through all of these things. It’s a lot more than just the dollars and schedule of the benefits. Many people don’t realize the wealth of services that are available to support you in your healthcare journey through a Medicare advantage plan. And these brokers evidently are not aware of it either, so they never talk about it.
Seems people forget what "insurance" is really for. Do you purchase Life Insurance with the intention of taking advantage of it? Auto insurance to have your car body tweaked perpetually? It's for limiting your risk, not seeing how much you can get out of it.
I'm putting over $2,000 back in my pocket annually with a "Give Back" policy. Take responsibility for your own health (make someone like Ken D Berry MD your GP) and reap the rewards, physically and financially!
I have no income but social security retirement and I was TURNED DOWN!!!!!!!
What if I'm being charged monthly for Medicare but I haven't used it in years?
Moved to my husband's insurance almost 5 years ago. Haven't used Medicaid/Medicare since...
(Disabled Texas resident/ SSDI)
If your husband is actively employed and you are covered on his employer plan then you can call social security to cancel/pause your Part B enrollment. 1-800-772-1213
I discuss this exchange with a rep. & found out,when u request the give bck plan,l found out,the allowance on dental & VISION GOES down.!! #ALM #T@
Thanks Stephanie for reviewing and explaining this option. I have seen a similar commercial and was wondering about the details. While it may advantageous for some its certainly not for me. Again thanks for your unbias advice on Medicare insurance.
You're welcome 😊 Thank you for taking the time to watch and comment!
Very comprehensive explanation, thanks!
My mom is 67, never worked, is divorced, and in need of medicare but no ones helping her get enrolled and/or is rejected from getting it due to her never worked and putting money into SS. any advise?
Feel free to have her give us a call at (888) 465-9728. She will need to get in contact with Social Security to see if she qualifies for Medicare with a "special enrollment period", and whether or not she qualifies for premium free Part A.
Thanks, for sharing, it was very Helpful 😊
I moved from Orlando to Newport News VA this past year and boy do I regret it! My rent is the same and so is my medical pretty much, but the Part B is none existent at all? Could you help me with that at all?
If you have Medicare Part B, as long as the premium is paid every month you still have it. Part B exists regardless of where you live in the US.
What Medicare advantage plan(s) would you recommend for veterans who receive VA healthcare benefits at 100%?
Thank you for the clear and unbiased information.
Thanks Steph great info! Question if you dump Medicare for a Medicare Advantage plan and hate it.. is it possible to switch back to medicare in a few months... or must you wait a year for open season.. or can you never go back to medicare and must switch to a different plan.. but not back to Medicare? Thanks
This depends on several factors. For example, if you drop a Medigap Plan to enroll in a Medicare Advantage Plan for the first time, you have a one year “trial right” to return to Traditional Medicare and to get your old Medigap Plan back. However, in most situations you are locked into your Medicare Advantage Plan for the calendar year and can switch back to Original Medicare either during the Annual Election Period or the Medicare Advantage Open Enrollment Period. I hope this helps!
Thank you for your time...
I tell what the catch is that I have to live in Florida to get that give back benefit
Medicare Advantage, huh! Now, remind me, who is the advantage for?
The advantage is for the private, for-profit insurance companies.
@@Madronaxyz Yeah Dr Belz calls it medicare disadvantage.
I am a 53 year old Veteran (with no VA Disability payments) but receiving Social Security Disability benefits and VA health benefits... Medicare just started talking $148.50 out of my Social security disability payment every month ... is it better to opt out of Medicare or Sign up for a Medicare advantage program?? I really can't afford the $143 each month out of my check
I am getting ready to enroll in Medicare Part A and Part B, however, I do not know if it is necessary or a MUST that I do so at this time as I plan to keep working until the age of 67, or possibly 70 - I am currently 64.5 year's old. So, please let me know if I still need to register for Medicare Part A and Part B, am able to still keep working, and keep my husband's insurance plan if I enroll in Medicare Plan A and Plan B, now. Thank you.
If you are covered under your husbands employer health plan, and he is still actively employed (not on COBRA or a retiree plan) then you can generally delay your Medicare enrollment until he retires, without penalty!
How can I get money back? I been in the Philippines for 5 yrs. Im unable to use my medicare here..
Hello, I have a question. I am a FEHB retiree. I have been on Medicare since 1/2020 (Soc Sec Disability, under age 62) . My previous Health Care Plan did not inform me about Medicare Reimbursement nor did I pay attention to the silly commercials. This year I changed Health Care Plans and they actually sent me a letter informing me that I and my hubby (also Soc Sec disability) qualify for MRA. I printed the claim forms and got my COLA letter ready but what about my 2020 and 2021 reimbursement. Aren’t I owed that too?
Even though I switched Health Care Plan carriers, aren’t the old carriers due to reimburse me from 2020 & 2021?
The part B giveback were talking about in this video refers to MedicRe Advantage Plans that offer a part B premium reduction. It sounds like your situation may be more specific regarding Medicare reimbursement. Please feel free to give us a call if you need help!
What is the government pays for your Medicare and your Medicaid Morgan veronese do we have at that point in time
They are basically negative premium advantage plans instead of $0.
Key word is "UP TO" $140 back. Like you said, it's misleading and hard to look up for a reason.
Yes!
What about the flex card
Thank YOU!
:-)
what abt flex card for seniors loaded with $2,800
How does the Flex Card work?
I don't see the promised link on your website for searching the summary of benefits. I find your video has only increased my confusion and wasted my time.
Yup, I didn't see it either!!!
You can visit www.findingpartc.com 🙂
@@AbtInsuranceAgency LINK IS BROKEN
starting to wonder if I can trust her now...
Virtually every TV commercial for ADV or GAP is VERY misleading and presented it like its the government program. I would say just send me the money medicare sends the ADV plans each month (like $700) and I will go to Vegas and take my chances.
Ha! I like that take
What about the Medicare Savings Program (QMB). I was told that the doctor has to be a provider for Medicaid as well as what insurance one has. Is this true?
But....but....Joe Namath said so. He said he would win Super Bowl III and everybody laughed at him. The Jets won!! He said I would get free dentures and free glasses and free meals and free everything. LOL Hey, the Jets won didn't they? (If you were an elderly football fan you would know about this stuff.)
Can I change from advantage plan to supplement plan every year?
Not necessarily. In most states medical underwriting will apply in order for you to switch from an Advantage Plan to a Medicare Supplement plan.
If I applied for medicare at 65 and I immediately retired, would my part B premium be based on my pre-retirement income or my post retirement income?
Annually the basic part B Premium is set at an amount. In 2022 it is $170.10. If your 2020 taxes were over $91k if single or over $182k if married filing jointly, Social Secirity will send you a letter telling you that your part B Premium will be higher than the basic premium.
Because you have had a life changing event (retirement) with a permanently reduced income you can complete a waiver (SSA-44 form) to have your income and Part B premium reassessed (and Part D to by the way)
Because your 2021 tax will also be high, SS will consider a very accurate, clear estimate of what you expect your 2022 income to be. Call social security for assistance completing the waiver request and your attachment of your estimate of retired income after you have done your estimate.
If i change it will u help with that?
Yes!
Can I try Madagap or is it to late if so is there anything else I can do
You can apply for a Medigap plan at any time, as long as you have Parts A be B if Medicare.
why is our health care system SO COMPLICATED?!? it's time we demand our govt to finally do sth about it!
single payer Japanese style would make things so easy. and save 100's of billions.
Not the government, it is the powerful insurance industry
@@SidinPhilly who lobbys the politicians. Big Pharma runs insurance. Blackrock owns every insurance company. It's one giant scam
I know what the program is I looking for what companies are participating? Im disabled and transitioned to medicare in 2021. Seeking insurance for 2022
You have to check specifically with the insurance carriers in your area to see which offer this benefit. You can also check the summaries of benefits of each plan via our website - abtinsuranceagency.com at FindingPartC.com
Hello mam..im a new subscriber as of today
( nov 13 2021 )..and I have a question that maby you can do a video on for U.S
VETERAN'S ABOUT THESE MEDICARE PLANES..AND WHICH
PLANES WOULD BE BEST AND INCLUDE THAT GIVE BACK TO OUR Social Security..of which they never told me when I put in
For my social security..that
Money would be taken out for Medicare. In fact. I knew nothing about Medicare .they never explained that to me at the social security office when I applied at age 66..so can you can you help us VETERAN'S OUT HERE..
BECAUSE NO ONE ELSE SEEMS TO CARE..AND YES I DO HAVE MY V.A HOSPITAL benefits..but since this covid-19..things
Have gone crazy..THANK YOU MAM..AND WILL BE WAITING FOR YOUR RESPONSE..SIGNED U.S.M.C RETIRED..👍👍👍
Your website?
HTTPS://www.abtinsuranceagency.com 🙂
Are you licensed to sell insurance in all 50 states?
We work in 46 states currently!
@@AbtInsuranceAgency How many are you personally licensed in? I’m sorry for asking.... I am looking into getting a license for my state, so I find it interesting
@@beezneez2056 personally licensed in 46 states.
@@AbtInsuranceAgency wow, that’s a lot of work!
can anyone get their origial medicare back after joining medicare advange before the thirty days? i was tricked into this that i did not understand, and also i think the lady could not hear good also?
Please call us, we would be happy to help you go over your options! 888-465-9728
I think its a SCAM I called a few and they will give you back 15 or 20 bucks DONT HOLD YOUR BREATH lmao up to 148 a Month its all B / S
Can I call and tell them I want to change my part A,B to medical at this point what is the cost ?
I’m not sure what you mean?
Do you want to have a video to talk about Medicare Grocery Allowance benefit?
Good idea! It’s a benefit in *certain* Medicare Advantage plans, and, like the Part B giveback, is subject to change each year.
one year medicare pay me back with 144.00. You say I swear and stmiulus yet for me
Lots of irrelevant info here to sit through if you want to know about cash back benefit.
Thanks for the feedback!
Joe Namath will take care of you. LOL He guaranteed he would beat Baltimore in Super Bowl III and he did it. He guarantees he will get you all the benefits in the world and do you think he wouldn't? He'll probably personally deliver you free meals and take you to your doctors appointments.
🤔
I called you this morning and I left my number but I only want to talk to you...I have several brokers calling me, I want you ....I have A and B I have to pic a supplement...pretty sure I know what I want due to your videos, just want to double check with you.
Do not go with BCBS plans!! They are a rip off!!!
Why is she is talking so slow. Does she think seniors are sloooooow. Paaaart b plaaaan.lol
Bb