My husband and I have been with Stephanie for the past 4 years (found her on UA-cam) and have been very satisfied with her help navigating this confusing process. We highly recommend her!
I started smiling when you said "If you are new to Medicare in 2025 this will be a great video for you to watch" Girl all your videos are great to watch.
I'm new as of 2025 July. Just starting to learn about the Medicare & all it entails. Now that I learned about the dead lines, since I turn 65 in July I need to find out my specific dead line to sign up. Im going to do as much learning as I need to on my own & as I'm learning I plan to right questions as they come up in my mind. But still worried that sometimes, ( actually ALOT of times) I may not know enough about this complicated maze to ask all the right questions. Hopefully the person I choose to be my mentor in this gigantic puzzle will be able to steer me in the best way for my individual circumstances 😊
HI beautiful 😍❤️ thanks for the update that's a great 👍 information thanks again have a great night you and your family see you soon love your videos thanks again
What the hell they make so complicated for seniors citizens these healthcare i was thinking I'm getting my retirement to have peace of mind but it's not so shame they all sucking our blood same time all these insurance getting riches 😮😮😮
Exactly. All a money sucking scam. Two worst entities to get together. Government and insurance companies. If you live in Eastern Pa. Medicare Advantage is the way to go. One thing I will NEVER buy is supplemental insurance. They get what Medicare pays, period. Time for people to start suing the government over this nonsense.
Stephanie thanks so much for posting your helpful videos. You saved me over $3,000 in IRMAA this year. I had forgotten I need to apply for an exception yearly. And I watched your video here and immediately requested the appeal. Happy New Year!! 🎉
Thank you for the informative videos. Definitely helps break down the confusion. One question: If your services to individuals are free, how are you compensated?
Stephanie, can I opt out of the memory questions my doctor asked me during my Medicare wellness checkup? Will Medicare not cover my wellness visit with my doctor if I don't answer my doctors memory questions he asked me ? Thank you!
Hello. I was on my last employer's Cobra till end of December, 2024, but my coverage ended because I am turning 65 in January of 2025. I will be eligible to join my wife's employer group health insurance, which is a creditable coverage for part B, starting in February 2025 and plan to do so. This leaves me with one moth gap in coverage before I am have coverage through my wife's employer. Considering I am still within my initial enrollment period, will I be penalized when I sign up for part B in the future during my SEP? Thank you!
@@bobjavidi707 no you should not be penalized- Part B penalties kick in after you go 12 months without creditable coverage. Part D penalties kick in after 63 days without creditable coverage.
Are there any benefits to using AARP for assistance when signing up for Medicare benefits. Thank you! Glad I found your channel, I will be calling after watching your videos.
I am getting closer to Medicare God willing. I will turn 65 in November. I am retired and receive SS. I have retiree health insurance that ends in November. When do I have to stop contributing to my HSA in 2025? Thanks much.
What do you know about medicare supplement companies like Ace or Aflek or Manhatten as had not heard of them (or Washington, that when called, they answered Bankers, but said that Physicians would call about Washintons plans. Why is it so confusing.
Again with the cost of part D for 2025 most people can not afford traditional Medicare. Just not possible. If money is no issue yes traditional Medicare. However for the 75% of the rest of the population Medicare advantage is the only realistic option and that is why yearly more and more on a MAPD. Very simple. Your explanations are correct but you’re leaving out the reality for most people. Money is the main concern for most. Spending $300-$500 per month for traditional medical is half of their ss or Ssdi or sis income. Please interject the financial aspect in explaining making a choice. It’s as if your speaking to people that can afford anything and statistically your 70% incorrect in this assumption.
@@ChiJones1111 I enroll on average 400 Medicare enrollments per month 12 months a year licensed in 50 states. 98% are MAPD plans. People can barely afford this years part b premium and most will take a part B giveback plan even with higher copayments etc just to save some money so they can eat. The “perspective” anyone is just “selecting” which “path” to go down is pure rubbish to anyone with some serious Medicare volume and experience in all states. In another five years at current rate MAPD enrollments will be the norm with a very very small percentage of wealthy people staying in traditional Medicare.
I’m sure Stephanie can and will address this much better, but there are a lot of factors in deciding which is best for your situation. My house is split down the middle. I’m on an advantage plan that works great for my slew of health issues and a ton of resulting medicines. On the other hand, my husband is on traditional Medicare and has been battling bladder cancer for over a year. 4 procedures under anesthesia to scrape out cancerous tumors, 3 rounds of 6, weekly bladder infusions, 3 rounds of camera inspections, and finally, 3 months ago a radical removal of his bladder and prostate and a 5 day hospital stay. Add follow ups ostomy supplies for the rest of his life and the grand total has been the $240 yearly deductible. This would not have been the case on an Advantage plan like I’m on.
Sad that healthy individuals enrolled in the VA are nevertheless required to enroll or face penalties (except for D). That's my reality. My IEP is the first seven months of 2025 so I will consult with ABT.
Can someone tell me why a disable senior in a wheelchair is crawling around on belly 😮because Georgia Humana SNP INSURANCE refuses to repair or replace wheelchair until August 2025😮😮😢 not to mention cutting off spending card for 75.00 used for food😢😮😢😮
Who profits from making Medicare so complicated , who pays William Shatner , JJ walker , Joe Namath , I’m sure there not donating there time to educate the American Worker , who works hard for there paycheck
It will be much better than current administration. The 2025 medicare advantage plans decreases in drug coverage such as now adding drug deductibles and dropping some drugs that were covered previously results from the current administration's reduction act that mandated a $2k cap on drugs.
My husband and I have been with Stephanie for the past 4 years (found her on UA-cam) and have been very satisfied with her help navigating this confusing process. We highly recommend her!
@@MercyMe4931 thank you so much! 😊
Cares about what she does. Has to be 'Happy Wife'. Seems that way.
You are the best at explaining Medicare! Thank you
Agreed 💯
@@smokyo7855 thank you!! 😊
Always look for your videos! You are the most informative! Thank you so much!
Thank you for your expertise.
I started smiling when you said "If you are new to Medicare in 2025 this will be a great video for you to watch" Girl all your videos are great to watch.
I'm new as of 2025 July. Just starting to learn about the Medicare & all it entails. Now that I learned about the dead lines, since I turn 65 in July I need to find out my specific dead line to sign up. Im going to do as much learning as I need to on my own & as I'm learning I plan to right questions as they come up in my mind. But still worried that sometimes, ( actually ALOT of times) I may not know enough about this complicated maze to ask all the right questions. Hopefully the person I choose to be my mentor in this gigantic puzzle will be able to steer me in the best way for my individual circumstances 😊
Thank you Stephanie for posting this helpful video.
HI beautiful 😍❤️ thanks for the update that's a great 👍 information thanks again have a great night you and your family see you soon love your videos thanks again
Who the Hell can afford $419 a day???
I tried abt Insurance this year and it was a good move. I appreciate you guys. Merry Christmas
@@zzz-zj7xg thank you!! 😊
Thank you very much.
Your videos are incredibly helpful. Please keep sharing such valuable content. Thank you!
@@ElenaDiego-r3g thank you!
Very helpful videos, THANK YOU!
Thanks for sharing Staphanie. Really helpful
What the hell they make so complicated for seniors citizens these healthcare i was thinking I'm getting my retirement to have peace of mind but it's not so shame they all sucking our blood same time all these insurance getting riches 😮😮😮
Exactly. All a money sucking scam. Two worst entities to get together. Government and insurance companies. If you live in Eastern Pa. Medicare Advantage is the way to go. One thing I will NEVER buy is supplemental insurance. They get what Medicare pays, period. Time for people to start suing the government over this nonsense.
You're excellent.
@@mazeman01 thank you!! 🙏🏼
Stephanie thanks so much for posting your helpful videos. You saved me over $3,000 in IRMAA this year. I had forgotten I need to apply for an exception yearly. And I watched your video here and immediately requested the appeal. Happy New Year!! 🎉
This hurt my head. 🤥
It hurts me EVERYWHERE 😢
Not understanding Medicare and Medicare Advantage plans will not only make your head hurt as well as kill your pocketbook.
I will be retiring in May here in Wisconsin. I will be calling you soon! Thanks for al you do!😎
God bless you ❤
I turn 65 on the last day of the year. I will dig into this process soon. 😢😬😳
Thank You
Thank you for the informative videos. Definitely helps break down the confusion.
One question: If your services to individuals are free, how are you compensated?
$2000 spending cap on drugs is a big deal. Thank the people who made that happen.
But note it's just on "covered drugs".
@@commonsense6967 Drugs covered by the plan that you have chosen. always read the fine print!
Stephanie, can I opt out of the memory questions my doctor asked me during my Medicare wellness checkup? Will Medicare not cover my wellness visit with my doctor if I don't answer my doctors memory questions he asked me ? Thank you!
I have only part a and b for one year, do i have t pay penalty for the other plan
I have MC Advantage plan , can I go back to original MC , am I guaranteed to be accepted to a supplement plan ?
Hello. I was on my last employer's Cobra till end of December, 2024, but my coverage ended because I am turning 65 in January of 2025. I will be eligible to join my wife's employer group health insurance, which is a creditable coverage for part B, starting in February 2025 and plan to do so. This leaves me with one moth gap in coverage before I am have coverage through my wife's employer. Considering I am still within my initial enrollment period, will I be penalized when I sign up for part B in the future during my SEP? Thank you!
@@bobjavidi707 no you should not be penalized- Part B penalties kick in after you go 12 months without creditable coverage. Part D penalties kick in after 63 days without creditable coverage.
@@AbtInsuranceAgency Thank you so much for your respons. This is very helpful😀
Are there any benefits to using AARP for assistance when signing up for Medicare benefits. Thank you! Glad I found your channel, I will be calling after watching your videos.
Do you have a video that explains how some people have their part B paid for them. In Ohio the counties will pay monthly.
My MA HMO has increased the annual MOOP to $5500, which is plenty for anyone to need to pay in a worst-case scenario.
@@commonsense6967 very true.
I am getting closer to Medicare God willing. I will turn 65 in November. I am retired and receive SS. I have retiree health insurance that ends in November. When do I have to stop contributing to my HSA in 2025? Thanks much.
What do you know about medicare supplement companies like Ace or Aflek or Manhatten as had not heard of them (or Washington, that when called, they answered Bankers, but said that Physicians would call about Washintons plans. Why is it so confusing.
Do you have agents in Flagstaff AZ?
What if I don't choose anything?
Again with the cost of part D for 2025 most people can not afford traditional Medicare. Just not possible. If money is no issue yes traditional Medicare. However for the 75% of the rest of the population Medicare advantage is the only realistic option and that is why yearly more and more on a MAPD. Very simple. Your explanations are correct but you’re leaving out the reality for most people. Money is the main concern for most. Spending $300-$500 per month for traditional medical is half of their ss or Ssdi or sis income. Please interject the financial aspect in explaining making a choice. It’s as if your speaking to people that can afford anything and statistically your 70% incorrect in this assumption.
Correct I’m a licensed health, Life and an annuity broker Independent and I hear this from my clients all the time.
@@ChiJones1111
I enroll on average 400 Medicare enrollments per month 12 months a year licensed in 50 states. 98% are MAPD plans. People can barely afford this years part b premium and most will take a part B giveback plan even with higher copayments etc just to save some money so they can eat. The “perspective” anyone is just “selecting” which “path” to go down is pure rubbish to anyone with some serious Medicare volume and experience in all states. In another five years at current rate MAPD enrollments will be the norm with a very very small percentage of wealthy people staying in traditional Medicare.
I’m sure Stephanie can and will address this much better, but there are a lot of factors in deciding which is best for your situation. My house is split down the middle. I’m on an advantage plan that works great for my slew of health issues and a ton of resulting medicines. On the other hand, my husband is on traditional Medicare and has been battling bladder cancer for over a year. 4 procedures under anesthesia to scrape out cancerous tumors, 3 rounds of 6, weekly bladder infusions, 3 rounds of camera inspections, and finally, 3 months ago a radical removal of his bladder and prostate and a 5 day hospital stay. Add follow ups ostomy supplies for the rest of his life and the grand total has been the $240 yearly deductible. This would not have been the case on an Advantage plan like I’m on.
I am still working full time at age 71,will I have a penalty when I enroll mid year 2025 ?
I’m retired military and have Tricare for life does this make a difference for Medicare
Sad that healthy individuals enrolled in the VA are nevertheless required to enroll or face penalties (except for D).
That's my reality. My IEP is the first seven months of 2025 so I will consult with ABT.
Can someone tell me why a disable senior in a wheelchair is crawling around on belly 😮because Georgia Humana SNP INSURANCE refuses to repair or replace wheelchair until August 2025😮😮😢 not to mention cutting off spending card for 75.00 used for food😢😮😢😮
basically took back the ssa inflation increase.
True only if your monthly SS is $400 per month. Anybody there?
@@rocksez5101 well…after all is taken into account…my increase was $31 net…I guess I can reti…oh wait!?
The 2025 admin picks to run Heathcare is scary and I wonder if our G plans will survive in the future. Any comments appreciated.
Who profits from making Medicare so complicated , who pays William Shatner , JJ walker , Joe Namath , I’m sure there not donating there time to educate the American Worker , who works hard for there paycheck
You have to have a ph.D to understand all these complicated plans… she lost me about 10 minutes into the video (even know she is very clear).
I’m not sure what to expect with the incoming administration 😢
It will be much better than current administration. The 2025 medicare advantage plans decreases in drug coverage such as now adding drug deductibles and dropping some drugs that were covered previously results from the current administration's reduction act that mandated a $2k cap on drugs.