I think one point that should be mentioned, is that while an MAPD PPO may let you go out of network, the doctor you want to see has to agree to accept your plan. For whatever reason they may not want to participate with Huma, Aetna, UHC, etc. With a supp, if the doctor accepts Medicare, he/she must accept every supp, regardless of the company. That to me is something many people don't realize. Companies that do Advantage, tend to leave that part out. They just say as a PPO, you can go in network or out of network. Excellent video by the way.
Sadly 90% of Advantage customers have no idea what they signed up for. Only knowing that they spend less money initially and won't regret that decision until they actually become ill and need it. Advantage Plans kill seniors every day. It is by far the biggest scam perpetuated on our seniors. My sister in law, may she rest in peace. Couldn't afford a supplement plan so she reluctantly chose an Advantage plan. At the time she told my wife "I hope I dont live to regret this decision, or worse die because of it. Sadly she was correct on both accounts. She suffered a stroke and after recovery in the hospital her Dr's reccomended acute care rehab. Advantage denied and sent her to a regular rehab. Family filed necessary paperwork to reverse but after several days she choked on her vomit and was basically brain dead but spent 21 days in ICU before transferring to a long term care where she remained on a feeding tube til she died 6 months later. I blame the corrupt legislators who allowed the insurance industry to implement these plans.
I agree. The summary comparison, the good and the bad, and more. She informed us about other possibilities like appeals and how to measure the worth of a providing company’s supplemental (medigap) Plan G. By hearing these things again clearly and concisely presented, I eventually am understanding. I was surprised to find two categories of States make exceptions to obtaining or moving to supplemental coverage. Currently in 2024 February, 4 states allow change without underwriting. I thought VT (Vermont) used to be one. Then there‘s another set of states that link moving to supplemental based on birthday or something related to it. Total shock, possibilities.
Dreaded having to learn about Medicare as I turn 65 in September. Those commercials during open enrollment are confusing and annoying. I turned to YT to begin learning the easiest way I know. Stephanie made this madness so simple! Suddenly I felt like and expert and that I could see the way to making decisions. Stephanie is just up the road from where we live, and I felt that Texas connection. I called her office and was helped by Abbie, who is as informative and pleasant as Stephanie! I also learned that Abbie will serve as my agent from here on. I had no idea of the ongoing customer service. I am so very pleased!
Thank you sooo much! I have been trying to get these answers from my broker, who sold me on an advantage plan without giving me any info on supplement plans,
@@AbtInsuranceAgency I think I read that you don’t work with Minnesota. Is that correct? Also, if one fails the medical underwriting, do they ever accept but at a higher rate? or is it all or nothing?
First of all: Do not cancel your current plan untill a new company or plan has been accepted and confirmed . supplement insurance companies may deny your application just for being overweight.
I have been on disability for a little over a year. I turned 65 in Jan 2024. I got Medicare A & B with a supplement plan. I just got approved for Medi-cal (Medicaid) full coverage on 03/01/2024 so I have to drop my supplement plan. If a couple years down the road I no longer qualify for medi-cal, can I get a supplement plan again without underwriting.
2:36 see these 4 states or qualifying life events/issue might allow you to change to a Supplemental (Medigap). Reasons companies that might deny supplemental are allowed. These types of
Thank you for these videos!!! Does retiring after age 65 from a job where health insurance is provided constitute a qualifying event for starting the guaranteed-issue phase?
Yes! But in most cases you can also delay Medicare Part B if you’re still working, which means you would get your 6 month Medigap open enrollment period when you add Part B.
Very informative video. Question though, I have medical coverage through my employer (large multinational company) that also covers my wife and she will soon be turning 65. Should I continue to keep her on my insurance or should I have her get all the Plan A /B / D / Medigap anyway just to avoid any issues?
It depends. How much does it cost to have her on your plan? We usually recommend comparing the benefits of delaying Medicare and remaining on your insurance to the benefits of dropping your employer plan for Medicare. This video helps review what questions to consider -ua-cam.com/video/vyMHyBs2c-4/v-deo.htmlsi=1I35p0OTrfGAgYsv
What if I get a Part D plan in CA at the same time I am getting Part B, but then a year later move to another state, or US commonwealth (such as Puerto Rico)? I assume I would have to apply for another Part D plan in the new location, will I have to pass though medical underwriting? Same question for purchased a Plan G plan in CA and then moving to another state or US commonwealth
Part D drug plans don’t have medical underwriting. If you move out of the state then you will have 63 days to change your Part D plan. For Plan G/Medigap plans, you don’t have to change your plan if you move - it works nationwide in the US and it’s territories. Your plan travels with you. If you do choose to change your plan G when you move, then medical underwriting will apply.
Can you change from "Obama" care to a Medigap plan without underwriting in Washington State? I have many friends who elected for "Obama" care when they retired and now want to change to Medigap (supplement) plans.
Hi Stephanie, If I have a High Deductible Plan G and want to switch back to a regular plan G a few years later, does that require underwriting approval ? Thanks, Paul
My father has medicare and blue cross blue shield but he late on the monthly payment now blue cross canceled the policy. Is there a way to reopen IT? What can I do to reopen it please Help.
what happens if you only have plan A because you have had full medical coverage thru your employer ...... turning 70 and will retire next year will there be a problem getting into a supplement policy
My understanding was California also allowed you to sign up for Medigap insurance for up to 30 days after your birthday each year with guaranteed acceptance. I didn’t see them listed as one of the states that do not require medical underwriting
If you already have a medigap plan in CA you can use the birthday rule to switch to another medigap plan (with some restrictions as to which plan you switch to) during the 30 days after your birthday, with guaranteed issue. However, if you do not already have a medigap plan you will need to pass the underwriting.
Let's put the blame where it belongs folks. It's easy to finger the insurance carriers but our legislators in their greed and incompetence are the idiots that created this nightmare. Don't ever make the mistake thinking that these clowns have our interests as their motivation.
What if you’re approved for medigap and then in January or February the insurance company says they consider an ailment a preexisting condition and won’t pay for your treatment? It sounds like financial Russian roulette to be approved only to have your new insurance company not pay. If a medigap insurance company refuses to pay can you then find an advantage plan in the Jan 1-March 31 enrollment period so you can get treatment?
The only way an insurance company could do this (refuse to pay claims) is if they can provide that you lied on your application (ie. Said you don’t have cancer when you actually do, etc). Aside from that, they can’t deny claims once you are actively insured.
I think one point that should be mentioned, is that while an MAPD PPO may let you go out of network, the doctor you want to see has to agree to accept your plan. For whatever reason they may not want to participate with Huma, Aetna, UHC, etc. With a supp, if the doctor accepts Medicare, he/she must accept every supp, regardless of the company. That to me is something many people don't realize. Companies that do Advantage, tend to leave that part out. They just say as a PPO, you can go in network or out of network. Excellent video by the way.
Sadly 90% of Advantage customers have no idea what they signed up for. Only knowing that they spend less money initially and won't regret that decision until they actually become ill and need it. Advantage Plans kill seniors every day. It is by far the biggest scam perpetuated on our seniors. My sister in law, may she rest in peace. Couldn't afford a supplement plan so she reluctantly chose an Advantage plan. At the time she told my wife "I hope I dont live to regret this decision, or worse die because of it. Sadly she was correct on both accounts. She suffered a stroke and after recovery in the hospital her Dr's reccomended acute care rehab. Advantage denied and sent her to a regular rehab. Family filed necessary paperwork to reverse but after several days she choked on her vomit and was basically brain dead but spent 21 days in ICU before transferring to a long term care where she remained on a feeding tube til she died 6 months later. I blame the corrupt legislators who allowed the insurance industry to implement these plans.
Thank you for the video. I wish I would of known all this information earlier. I'm age 74 now. Blessings to you.
So glad I live in Maine
I have been so impressed with the information that Stephanie has shared, that my wife and I have both worked with her team. Thank you Abt! :)
Thank YOU! 🙂
Your input is truly valuable. I hope to see more contents like this!
Thank you Stephanie for posting this helpful video. I enjoy and appreciate your channel.
Thank you for being here!
I agree. The summary comparison, the good and the bad, and more. She informed us about other possibilities like appeals and how to measure the worth of a providing company’s supplemental (medigap) Plan G. By hearing these things again clearly and concisely presented, I eventually am understanding. I was surprised to find two categories of States make exceptions to obtaining or moving to supplemental coverage.
Currently in 2024 February, 4 states allow change without underwriting. I thought VT (Vermont) used to be one. Then there‘s another set of states that link moving to supplemental based on birthday or something related to it. Total shock, possibilities.
Dreaded having to learn about Medicare as I turn 65 in September. Those commercials during open enrollment are confusing and annoying.
I turned to YT to begin learning the easiest way I know. Stephanie made this madness so simple! Suddenly I felt like and expert and that I could see the way to making decisions. Stephanie is just up the road from where we live, and I felt that Texas connection.
I called her office and was helped by Abbie, who is as informative and pleasant as Stephanie! I also learned that Abbie will serve as my agent from here on. I had no idea of the ongoing customer service.
I am so very pleased!
We are so pleased that you decided to give us a call, neighbor!
Another great informative video, thank you.
Thank you!
Only after the first grace period so choose correctly and do your due diligence
Thank you sooo much! I have been trying to get these answers from my broker, who sold me on an advantage plan without giving me any info on supplement plans,
Sadly, this happens all the time. Please don’t hesitate to give my office a call if you ever need assistance!
@@AbtInsuranceAgency I think I read that you don’t work with Minnesota. Is that correct? Also, if one fails the medical underwriting, do they ever accept but at a higher rate? or is it all or nothing?
Medicare denied my Mom because they said she doesn't have any credits for Medicare . She was a stay-at-home Mom.
Great explanation
First of all: Do not cancel your current plan untill a new company or plan has been accepted and confirmed . supplement insurance companies may deny your application just for being overweight.
So much great info...thank you
Thanks for watching!
That's a good 👍 information have a great week and thanks beautiful 😍❤️ for another good video see you soon Hi from Cleveland Ohio
I have been on disability for a little over a year. I turned 65 in Jan 2024. I got Medicare A & B with a supplement plan. I just got approved for Medi-cal (Medicaid) full coverage on 03/01/2024 so I have to drop my supplement plan. If a couple years down the road I no longer qualify for medi-cal, can I get a supplement plan again without underwriting.
2:36 see these 4 states or qualifying life events/issue might allow you to change to a Supplemental (Medigap).
Reasons companies that might deny supplemental are allowed. These types of
So you didnt really say but is it the case that Medicare Advantage plans can not deny coverage for preexisting conditions?
Any idea why NJ is the only tri-state not to have guaranteed -issue rights?
That falls on your state lawmakers
Thank you for these videos!!! Does retiring after age 65 from a job where health insurance is provided constitute a qualifying event for starting the guaranteed-issue phase?
Yes! But in most cases you can also delay Medicare Part B if you’re still working, which means you would get your 6 month Medigap open enrollment period when you add Part B.
@@AbtInsuranceAgency That makes sense. Thank you!
Are you licensed in Texas?
Very informative video. Question though, I have medical coverage through my employer (large multinational company) that also covers my wife and she will soon be turning 65. Should I continue to keep her on my insurance or should I have her get all the Plan A /B / D / Medigap anyway just to avoid any issues?
It depends. How much does it cost to have her on your plan? We usually recommend comparing the benefits of delaying Medicare and remaining on your insurance to the benefits of dropping your employer plan for Medicare. This video helps review what questions to consider -ua-cam.com/video/vyMHyBs2c-4/v-deo.htmlsi=1I35p0OTrfGAgYsv
What if I get a Part D plan in CA at the same time I am getting Part B, but then a year later move to another state, or US commonwealth (such as Puerto Rico)? I assume I would have to apply for another Part D plan in the new location, will I have to pass though medical underwriting? Same question for purchased a Plan G plan in CA and then moving to another state or US commonwealth
Part D drug plans don’t have medical underwriting. If you move out of the state then you will have 63 days to change your Part D plan.
For Plan G/Medigap plans, you don’t have to change your plan if you move - it works nationwide in the US and it’s territories. Your plan travels with you. If you do choose to change your plan G when you move, then medical underwriting will apply.
Can you change from "Obama" care to a Medigap plan without underwriting in Washington State? I have many friends who elected for "Obama" care when they retired and now want to change to Medigap (supplement) plans.
Hi Stephanie, If I have a High Deductible Plan G and want to switch back to a regular plan G a few years later, does that require underwriting approval ? Thanks, Paul
Yes it does, in most states.
My father has medicare and blue cross blue shield but he late on the monthly payment now blue cross canceled the policy. Is there a way to reopen IT? What can I do to reopen it please Help.
First step of action is calling Blue Cross and asking if they will reinstate his policy if he pays back the past due premiums.
👋ThankYOU
what happens if you only have plan A because you have had full medical coverage thru your employer ...... turning 70 and will retire next year will there be a problem getting into a supplement policy
If you are new to Part B then you will be fine! The Medicare Supplement open enrollment period is based on your Part B start date.
My understanding was California also allowed you to sign up for Medigap insurance for up to 30 days after your birthday each year with guaranteed acceptance. I didn’t see them listed as one of the states that do not require medical underwriting
If you already have a medigap plan in CA you can use the birthday rule to switch to another medigap plan (with some restrictions as to which plan you switch to) during the 30 days after your birthday, with guaranteed issue. However, if you do not already have a medigap plan you will need to pass the underwriting.
I did include that under the states that have the special "Birthday" rule in this video.
In the video it says medicare doesn't cover 20 percent. I thought it was 30 percent.
No it’s 20% for Part B services.
No one is ever denied if and that’s a mighty big “IF” you have the money to pay for it. Your welcome!
Not necessarily true.
Let's put the blame where it belongs folks. It's easy to finger the insurance carriers but our legislators in their greed and incompetence are the idiots that created this nightmare. Don't ever make the mistake thinking that these clowns have our interests as their motivation.
Best plan at 65, might not be at 70 even.
What if you’re approved for medigap and then in January or February the insurance company says they consider an ailment a preexisting condition and won’t pay for your treatment? It sounds like financial Russian roulette to be approved only to have your new insurance company not pay. If a medigap insurance company refuses to pay can you then find an advantage plan in the Jan 1-March 31 enrollment period so you can get treatment?
The only way an insurance company could do this (refuse to pay claims) is if they can provide that you lied on your application (ie. Said you don’t have cancer when you actually do, etc). Aside from that, they can’t deny claims once you are actively insured.