Something is really wrong with our system of government when we need to watch youtube videos and spend hours researching just in order to enroll in medicare. It's ridiculous. Thanks for the video and enlightening me on what I have to look forward to. Nothing should be this complicated, or this expensive.
We pay social security for decades to end up paying more after we retire it's not only ridiculous but also a corrupt system. It should be free after paying for so many years , I'm so glad I have my plan B, meaning leaving the country after I retire.
.........beause most of us will be old by the time we apply for Medicare. It's one way that they can screw as up specially between choosing the traditional vs Advantage plan.
The info CAN be found on Medicare and SSA websites. But it takes a LOT of digging. This is GREAT info in a short time - Thank You! Here's an interesting Medicare TRAP - STOP contributing to your HSA at least 6 months before you sign up for Medicare (for those over 65 by 6 months or more). If you get a voluntary retirement proposal (with nice benefits) that compel you to retire "a little" early and instantly lose your creditable Med Insurance, well, that's my situation. Or maybe you are part of a "Reduction In Forces (RIFF)" or whatever they call them today. Seems the Medicare TRAP forces you to pay a penalty for either your HSA contributions or your Plan D. Must figure that out, not sure there is a way to avoid some kind of penalty/theft.
Within 24 hours, someone reached out to me and was able to answer my questions about Medicare. Your agent, Jaqueline, was excellent. Thank you for what you do!
The government doesn't give us enough education/ information. Second, insurance companies call us every day for sale, but they are laying information. they only need to be sold. 3 thank you for your valuable information.
Best advice or suggestions for Vision, Hearing & Dental. These are the black holes for seniors. As always we rely on you and your group for guidance. Thank You
@@km-bo3zx Hind sight is 20/20, eh? Great advice... if you are still working. Doesn't really help if you are no longer working and unable to put money into an HSA.
I really liked this presentation and your style of delivery in the video. I turn 65 on September 18th of this year and am just starting the process of educating myself leading up to making a decision about Medicare and which plan or plans to choose. A little more complicated in my case in that I am self-employed in my own business, and will continue in that for the foreseeable future. I also have current coverage through Covered Calif. and Kaiser Permanente, so have to sort out whether to continue that and have my Medicare managed through that plan and provider, or just change completely over to Medicare without that coverage. What a journey of self-education, lol...
Thank you for sharing all this great information in an easy-to-understand presentation. I've started to look into this for my parents, and it's been so overwhelming. Love that you are so responsive in the comments. You're helping tons of people! I'll be sure to call your offices when it comes time for my parents to sign up for an advantage plan. TYSM!
I did not take part D when I first signed up due to my ss being so small. Well, I didn't know that you either take it or they will take it from you as a penalty!!!!! Now at 70 I have to get a FT job to make up for the extra. What a joke this medicare system is.
We were considering this also partly because we try not to take medicines but if anything big happens we may have to. Can you explain that better? If you don't mind. How much do they take and why do they take it?
@AbtInsuranceAgency, Thank you SO MUCH Stephanie for your clear explanations of this stuff. Your excellent grasp of the subject matter and the ability to convey that clearly is so helpful. Really appreciate the work you do here - have shared your info with quite a few friends and they've all appreciated it as well.
Thank you for your very clear, current explanation of how the different parts of Medicare work. I followed up with Abt Insurance to get answers to more of my questions. The associate handled all of my inquiries and set me up with a Medicare Advantage plan with a major insurer. This was definitely the best solution for me (just turned 65 in 2/23). I highly recommend going to Abt Insurance for answers to your Medicare questions. Relax! This call is free, unthreatening and will help you decide which Medicare plan is right for you!!! Abt Insurance: Thank you for your videos and your professional consultation!
I cannot thank you enough for making these videos. You mention that Part C (advantage plans) oftentimes include vision, prescription drugs, and dental, but at no extra costs (?). How is that possible? Are Part A & B deductibles and copays increased to make up the difference? And why would a private company provide this service for free? What's the catch? Am I misunderstanding something?
Remaining parts c and d? I thought a and d would remain. C is a, b, and d bundled. So if you already had b, then c (a/b/d) would not remain-- a and d would remain
How about covering how Fulltime rvers traveling the country should attack Medicare. I realize overall it's a small group but in reality, it's a large group.
Thanks for the information on this video. I'm a former civilian Federal Government employee and just turned 64. Given the scope of my current insurance coverage, I'm trying to determine the necessity/value of enrolling in Medicare at all. Even if I enroll in Medicare Advantage and the gov't covers my Part B premiums, what am I gaining? I'm sure a lot of former feds have the same question. Thanks again.
Typically federal retiree insurance will act as your secondary insurance, so most folks will opt out of enrolling in an Advantage Plan or a Medigap plan.
If I am in a higher income bracket according to my tax return from two years ago versus what my income actually is for the current 2023 year, when is the right time to send in Form SSA-44 to my local Social Security office in order to potentially reduce my IRMAA upcharge for the current year? Also, what are the specific types of documentation that the SSA normally accepts as proof of your lower income during the current 2023 year? Thanks so much for any insight you can provide, Stephanie! Your UA-cam videos are extremely helpful to someone who is about to go on Medicare like me!! 😊
Hi I watch your youtube vedio regularly. Appreciate what you are doing for seniors. I have a quick question. I am 68.5 years old and still full time employee with my wife in my companies health plan. Company has more then 300 employees. Monthly premium for both of us including drugs, vision and dental is $162 per week. Its a comprehensive plan. My wife is 10 years younger then me. Can i join free advantage plan while keeping the companies . How often can i change the plan from advantage to medigap or vice versaa. Thanks
In this situation it makes sense for you to delay Medicare altogether while you remain on this coverage. When you are ready to drop this employer plan then you can enroll in Medicare and then choose to get an Advantage Plan or a Medigap Plan!
@@AMC-eq3jr WRONG. We need the same national healthcare every other industrialized country has, which is free. Medicare costs $175 a month for one person, and you still have to have a for-profit insurance company involved. Families can't afford that. But in this capitalist hellhole we're never going to get national healthcare. Since we have to work with the devil, at least Humana is free and provides consumer advocacy.
@@AMC-eq3jr WRONG. National healthcare like every other industrialized country has is much better. Medicare costs $175 a month for one person. Families can't afford that. Profit has no place in either healthcare or education.
Hello, I am a federal employee and will turn 65 in Feb 2025. I currently have Blue Cross Blue Shield low option insurance, and paid around $500/month premium and paid around $50/month for a federal dental insurance plan for Wife and I, and will pay the same premiums after retirement in 2026. Should I take the Medicare free part A, and keep my current Blue Cross Blue Shield low option health insurance into retirement or drop the Blue Cross Blue Shield and buy the Medicare part B, C, D? I don't know the cost vs benefit of both. Thanks in advance for your help and great video!
Thank you for this helpful video. Please confirm that there's no need to apply for Medicare Part A if at 65 I am still employed at a big company with more than 20 employees then once I actually retire at a later age, I can apply for both Part A and Part B at the same time at that time. Thanks!
I fall under this category as well. Do I need to do anything letting them know I or my spouse is still working past the age of 65 so I’m not automatically enrolled?
Thank you Stephanie, my professor actually recommended this video of yours and it was so worth watching it. Can you dive more into Medicare part D as that is something I am trying to find more info on? (if you have a video already , can you re-direct me to it?) Either way, thank you so much!
So, when I turn 65 I will have to come up with more money than I do now to pay for my government required insurance policy? Punishment for growing old. You're on your own.
My wife turned 65 in February of 2023. Luckily, I was able to enroll her in time to not get penalized for late enrollment. But at the time I didn't know anything about Medicare. Everything's been fine since February but now I'm beginning to worry about going forward. After watching multiple videos, I'm sure I need a supplemental plan but now I'm wondering if it's too late to enroll her in one. How hard is it to enroll her at this point?
Online Medicare form doesn't list part A anywhere on the page, that was a little confusing because I thought I had to select it. Maybe you covered this in a prior video I missed.
Thank you! Thank you! My husband is turning 65, still working but getting health insurance through me, I got mine through my company. Can he delay enrollment without penalty?
Did you find out about this? When I looked it up it said there was a penalty but when I did the math it was maybe 10 or $15 a month added for each year you delay. I don't know if I'm correct on that I'm just trying to figure this out but it seemed like it might have been worth it to delay if you're making money. Of course if you have insurance I don't think they penalize you. Still I'm not not positive on anything.
Hello, I am 70 and currently receiving Social Security Disability benefits and not working and covered under my wife’s health insurance, do I have to sign up for anything other than part a ? The big question though is when will it make sense getting Medicare and will it help and save money because of many health issues ?
I have a question for you about a married couple. The wife is retired on disability and the husband is still working. She is 71 and he is 66. They were told that she could not get on medicare because he was working and was paying for health insurance through his work. When he retires in January of 2024 will they both be able to apply for medicare without a penalty?
I appreciate you making the video, but this is not simple enough. I am permanently disabled due to TBI, and I have had Medicare for 17 years. I still have absolutely no idea how it works, what I need to do, or why I continuously have medical bills that take me years to pay off.
The delaying medicare because of employer coverage (>20 etc) also applies if your spouse is the one working, right? So long as you are covered under his or her plan?
Sorry I still don’t understand ( due to my situation). When I retired, I moved out of the country. I KNEW. I would never return long term to the USA. I refused sign up for any medical coverage and I believe, if I have to pay, I only have what I am forced ti pay. I was sent a letter saying i may get a rebate on Part B. Do you know how I am supposed to know what applies to me? Thanks. BTW I retired 5.5 years ago.
I will be 65 on July 2024,, I am retired from the Federal Goverment. I will get Medicare A,, and also B. I am thinking of getting part D, since the Federal government will continue to help me pay my Blue Cross Blue Shield affiliate Health Insurance in Puerto Rico which is called TRIPLE S. Is that a good idea????
I would like to see more information on co-pay protection coverage and costs for those on Medicare advantage plans. Affordability in premiums can force the unwise C pay as go plans path choice. So, help in the area's copay gap's is desired.
So when turning 65 and still working and paying for medical insurance thru work [large federal agencies] a person can switch to Medicare if Medicare is cheaper?
What does it mean if someone chooses Humana Managed Care for their Medicare benefits? Do you know what this does this cover and what it does not cover?
Hi, your video was very helpful. If my spouse has insurance that covers me and I still work full time, does that allow me to delay signing up for A and B. I turn 65 in January. Thanks! Mitchell
Is your spouse actively employed and you are covered under their employer health plan? Then yes you can delay enrolling in Medicare Parts A and B without penalty!
Hello I have health insurance thru my employer until im 65. If I go on my husbands health insurance as he is younger . Do i have to enroll in Part A ? I believe we have to enroll in A if true can I defer part B and D. ? Also i may be eligible for 1199 union benefit fund covers half of part B should then I still enroll in part B C D ? Thank you.
You can delay all Parts of Medicare if you are actively working and covered on an employer plan or if your spouse is actively working and you are covered on their plan!
I'm 45 years old who has medicare insurance I think I'm paying 200$ a month for Medicare. I want to cancel part b because I need that money so badly. If I cancel Medicare part b for 15 years until I reach 60 how much will my monthly premium be after all that time of not having part b
I plan to retire in May. I am going to enroll in Medicare Part A, as my husband will continue to work and carry insurance for me. Do you think that is a good idea, then I would not need to obtain Part B or a managed Medicare at this time? We plan to move out of state and I don't know what the common insurance carriers will be in our new area that are good. Any suggestions?
Sounds like you’re on the right track - delay Part B until your husband stops working, as long as his work insurance is pretty low cost good coverage for you! Then give us a call 😊
I'm still working full time and have insurance through my employer. I signed up for parts a&b thinking I would switch to Medicare, but it wasn't approved in time for me to drop my insurance through work. Is it correct that I can wait to sign up for medigap until I no longer have my insurance through work? Will it cause problems later if I sign up for part d now? I get a better price for insulin with part d. I just want to wait to sign up for medigap.
@AbtInsuranceAgency thank you for your reply From what I read, they consider my insurance through work as primary. Letting me drop my insurance, I don't know if they will allow that. They will help you transition to Medicare, but I'm afraid they will push an advantage plan. Having to pay 20% for my husband's oxygen would make an advantage plan a disadvantage plan.
I am trying to help my Mother-in-Law with her Medical situation. She is easily confused and doesn't know what type of medicare she has. How can I find out for her? She's 85.
OK, thanks… wow I can see why seniors are so confused…. Everyone says that advantage replaces classic Medicare A and B… which in my mind leaves the distinct impression that you would no longer pay for the prior B and instead, you would be paying for the new policy B. I think they should stop saying it replaces it.!! because in actuality it doesn’t. It modifies and supplements the traditional A/B
Seems like if a person is new to Medicare it would make sense to buy a supplemental instead of an advantage plan. Because you could always go back to an advantage plan later if you wanted to. But if you start with an advantage plan number one you won’t get to choose your own doctor and networks… you’ll be penalized for pre-existing conditions later on in moving over to a supplemental plan. ??
I am a veteran with part A but my have to get B or Advantage plan. Is that to much coverage. I’m in 69 in good health and needing to make a choice. My last day of work is 12/20/24 with work medical coverage
If you are retired, but still have healthcare through your employer do you still sign up for part B? They have PPO's (too expensive for me) HMO's and a Group Senior Advantage plan. They say I have to switch from a regular employee group plan, to a Medicare plan. If you sign up for the Senior Advantage, can you later change to a PPO or HMO or a medigap plan? They have more than 20 employees.
If you are involuntarily losing employer/retiree coverage (because your plan gets changed or cancelled on you), then you have a Guaranteed Issue right to purchase a Medigap Plan without medical underwriting. You can also enroll in an Advantage Plan if you lose employer/retiree coverage. I hope this helps!
@@AbtInsuranceAgency Thank you. I found out today that they were being a bit deceptive to try to get me to sign up for a Senior Advantage plan that would be much less expensive for them, but more for me. The plan I am on is full coverage, and is less quite a bit less expensive since I have a locked in rate. My confusion came from that it seems. I will have to go on Medicare in a couple of years, and will definitely keep you in mind.
Hello i see all your videos to get more knowledge. As we are working with agency for med advantage campaign CPA from last 4+ years and helped many people with medicare need to get connected with your agency please can you help me . We can both help many people who is looking for more information about medicare adv
I was put on Utah medicare/medicaid after being hit 4 times in a 12 car pile up. Utah EMTs brought me back from death and put me on medicare Because of medicare + medicaid I cant get mental health help. Even in crisis all they do is pass the buck back and forth. Keep in mind If one is in a small county one has to stay in that county. If that county does not have adequate professionals for mental health one is left behind. Utah and medicare even blocked grants for me. Go back to the little building who has to "find" a licensed professional, "vote" on your needs and maybe help years down the road.
Good morning, great video. Can I delay Part D (prescription) if I currently have it at work and plan on working past 65? In other words, is Plan D treated just like Plans A&B where I don't have to enroll at 65 if I'm still working but can then enroll on all 3 when I do decide to retire? Thank you!
Hi Stephanie, I learn a lot from all of your videos. I understand that I will be able to sign up for Medicare part A and B 3months before I turn 65. I am already collecting Social Security as of age 62. So when it is 3 months before I turn 65 can I sign up for Medicare part A and B online at that time? That is my first question. My 2nd question is if 3 want to have part C a Medicare Advantage I know I need to sign up for part A and B first but when do I then need to sign up for the part C . Medicare Advantage!? Do I need to sign up for part C also prior to turning 65? Thank you for answering my questions. Best Regards, Bonnie
Bonnie, if you are already collecting social security benefits then you will be automatically enrolled in parts A and B - you don’t need to apply online. You can sign up for a Part C Advantage Plan in your 7 month Initial enrollment window that starts up to 3 months prior to your 65th birth month. I hope this helps!
@@AbtInsuranceAgency thank you. Would I be enrolled 3 months prior to turning 65? Would I then get my Medicare card 3 months prior to turning. 65 so that I can enroll in the . Medicare Advantage 3 months prior?
@@bonniekent4721 your effective date will be the first day of the month that you turn 65. You will likely get your Medicare card in the mail 3 months before you turn 65 (ish) and then you can enroll in the Medicare Advantage plan of your choice. We’d be happy to help! 888-465-9728
Hello, I have a connected question: if I start receiving Social Security benefits at full retirement age (while still continuing to work and on an employer's health insurance plan) will I still be automatically enrolled in Medicare Parts A and B, even though I have employer-sponsored insurance? And if so, will this mean that I'll have to pay the Part B premium despite having said employer-sponsored insurance?
Streams and pools. Risks and investments… persons and populations. It matters… disciplines… coding… interoperability. Systems of infrastructure and beyond. Supplies and blocks and chains… inflation and inflammation. #GPOHIEMSOSTS #healthclimatetools #LoveEVICTShate
The government first devised a way to get a chunk of our money with a promise to pay us when we retire (Social Security.) Then it devised a way to get much of it back (Medicare.) As for Part A being free for people who earned 40 credits (paid in for 10 years), that's bogus, because of the out of pocket cost or extra cost to pay for that huge gap.
Something is really wrong with our system of government when we need to watch youtube videos and spend hours researching just in order to enroll in medicare. It's ridiculous. Thanks for the video and enlightening me on what I have to look forward to. Nothing should be this complicated, or this expensive.
Amen, our insurance is not designed for consumer to understand unfortunately.
We pay social security for decades to end up paying more after we retire it's not only ridiculous but also a corrupt system. It should be free after paying for so many years , I'm so glad I have my plan B, meaning leaving the country after I retire.
.........beause most of us will be old by the time we apply for Medicare. It's one way that they can screw as up specially between choosing the traditional vs Advantage plan.
So agree. Egregious.
Welcome to America, Land of the Free. LOL.
The info CAN be found on Medicare and SSA websites. But it takes a LOT of digging. This is GREAT info in a short time - Thank You! Here's an interesting Medicare TRAP - STOP contributing to your HSA at least 6 months before you sign up for Medicare (for those over 65 by 6 months or more). If you get a voluntary retirement proposal (with nice benefits) that compel you to retire "a little" early and instantly lose your creditable Med Insurance, well, that's my situation. Or maybe you are part of a "Reduction In Forces (RIFF)" or whatever they call them today. Seems the Medicare TRAP forces you to pay a penalty for either your HSA contributions or your Plan D. Must figure that out, not sure there is a way to avoid some kind of penalty/theft.
Kamala Harris’s Medicare for All solves the problem.
Within 24 hours, someone reached out to me and was able to answer my questions about Medicare. Your agent, Jaqueline, was excellent. Thank you for what you do!
Thank you for giving us a call!
Love, joy and peace of God-surround you for sharing this information.
Great, detailed, easy to understand teaching and information
Hello, Im currently studying for my medicare exam and I wanted to say thank you for the content. Medicare is confusing!
Thank you for taking the stress out of moving to Medicare.
Kamala Harris’s MEDICARE for ALL human beings - more humane.
The government doesn't give us enough education/ information.
Second, insurance companies call us every day for sale, but they are laying information. they only need to be sold.
3 thank you for your valuable information.
You are so welcome!
Est explanation I’ve seen. Thank you!
Best advice or suggestions for Vision, Hearing & Dental.
These are the black holes for seniors.
As always we rely on you and your group for guidance. Thank You
Put money into an HSA.
If you are on Medicare I do not believe you can contribute to a HSA.
@@keithward2565 That is correct and is why you should have been doing it during your work years!
@@km-bo3zx Hind sight is 20/20, eh? Great advice... if you are still working. Doesn't really help if you are no longer working and unable to put money into an HSA.
I really liked this presentation and your style of delivery in the video. I turn 65 on September 18th of this year and am just starting the process of educating myself leading up to making a decision about Medicare and which plan or plans to choose. A little more complicated in my case in that I am self-employed in my own business, and will continue in that for the foreseeable future. I also have current coverage through Covered Calif. and Kaiser Permanente, so have to sort out whether to continue that and have my Medicare managed through that plan and provider, or just change completely over to Medicare without that coverage. What a journey of self-education, lol...
Thank you for sharing all this great information in an easy-to-understand presentation. I've started to look into this for my parents, and it's been so overwhelming. Love that you are so responsive in the comments. You're helping tons of people! I'll be sure to call your offices when it comes time for my parents to sign up for an advantage plan. TYSM!
You are so welcome!
Thank you for posting this helpful video.
You're welcome!
I did not take part D when I first signed up due to my ss being so small. Well, I didn't know that you either take it or they will take it from you as a penalty!!!!! Now at 70 I have to get a FT job to make up for the extra. What a joke this medicare system is.
We were considering this also partly because we try not to take medicines but if anything big happens we may have to. Can you explain that better? If you don't mind. How much do they take and why do they take it?
Thank you so much! We finally understand this crazy stuff.
@@carriesmith3791 so happy to hear this!
Your the best!!!
Thank you for the information I got seven months before I turn 65 and I don't know what to do currently I'm still employed
Wait for Kamala Harris’s Medicare for All - Citizens or not. We are all human beings.
Instant subscribe. Thank you, you are amazing. I needed this as a refresher before my interview.
Glad it was helpful!
@AbtInsuranceAgency, Thank you SO MUCH Stephanie for your clear explanations of this stuff. Your excellent grasp of the subject matter and the ability to convey that clearly is so helpful. Really appreciate the work you do here - have shared your info with quite a few friends and they've all appreciated it as well.
Thank you so much for this compliment, and for sharing! 🙂
Concise and helpful 👍
Thank you for your very clear, current explanation of how the different parts of Medicare work. I followed up with Abt Insurance to get answers to more of my questions. The associate handled all of my inquiries and set me up with a Medicare Advantage plan with a major insurer. This was definitely the best solution for me (just turned 65 in 2/23). I highly recommend going to Abt Insurance for answers to your Medicare questions. Relax! This call is free, unthreatening and will help you decide which Medicare plan is right for you!!! Abt Insurance: Thank you for your videos and your professional consultation!
Wow, thank you for taking the time to leave this comment! We are thrilled to have been able to help you.
very helpful. thank you.
I cannot thank you enough for making these videos.
You mention that Part C (advantage plans) oftentimes include vision, prescription drugs, and dental, but at no extra costs (?). How is that possible? Are Part A & B deductibles and copays increased to make up the difference? And why would a private company provide this service for free? What's the catch? Am I misunderstanding something?
This video explains! ua-cam.com/video/nMEU6IEkf7Y/v-deo.htmlsi=vZkAFczrZdgE6rYM
Thank you, this helped me understand the chapter I'm reading.
Good, short summary. Thanks. Is there actually a Plan "N" ? I heard there was. You even included bloopers!
I feel bad for most of us as SSI is not a lot and Part bB can be almost $200, not including remaining parts C n D
This is more expensive then what I am paying for at work!
Remaining parts c and d? I thought a and d would remain. C is a, b, and d bundled. So if you already had b, then c (a/b/d) would not remain-- a and d would remain
thanks for your work
Thanks Stephanie, great information straight to the point….😊
What topic should I cover next? Let me know in the comments!
Thank you for all the great information. I’ll be calling when I get closer to retirement. 🎉
@@raygayton2394 great to hear that! 🙂
How about covering how Fulltime rvers traveling the country should attack Medicare. I realize overall it's a small group but in reality, it's a large group.
@@daveanddianethrowingcautio5707 I love that idea!
piggyback on the RV question, how is Medicare when “snow-birding” (spending 3-6 months in warm weather climate in winter)
Great video thanks
Thanks for the information on this video. I'm a former civilian Federal Government employee and just turned 64. Given the scope of my current insurance coverage, I'm trying to determine the necessity/value of enrolling in Medicare at all. Even if I enroll in Medicare Advantage and the gov't covers my Part B premiums, what am I gaining? I'm sure a lot of former feds have the same question. Thanks again.
Typically federal retiree insurance will act as your secondary insurance, so most folks will opt out of enrolling in an Advantage Plan or a Medigap plan.
If I am in a higher income bracket according to my tax return from two years ago versus what my income actually is for the current 2023 year, when is the right time to send in Form SSA-44 to my local Social Security office in order to potentially reduce my IRMAA upcharge for the current year?
Also, what are the specific types of documentation that the SSA normally accepts as proof of your lower income during the current 2023 year?
Thanks so much for any insight you can provide, Stephanie! Your UA-cam videos are extremely helpful to someone who is about to go on Medicare like me!! 😊
You should wait until you get your Medicare premium bill to appeal. It’s best to appeal in office at social security if possible.
Hi, Stephanie. Can you talk about the long term care? Thanks
Hi
I watch your youtube vedio regularly. Appreciate what you are doing for seniors. I have a quick question. I am 68.5 years old and still full time employee with my wife in my companies health plan. Company has more then 300 employees. Monthly premium for both of us including drugs, vision and dental is $162 per week. Its a comprehensive plan. My wife is 10 years younger then me. Can i join free advantage plan while keeping the companies . How often can i change the plan from advantage to medigap or vice versaa.
Thanks
In this situation it makes sense for you to delay Medicare altogether while you remain on this coverage. When you are ready to drop this employer plan then you can enroll in Medicare and then choose to get an Advantage Plan or a Medigap Plan!
Humana is great. I paid a grand total of $958 for cancer treatment.
Medicare for All is much better.
@@AMC-eq3jr WRONG. We need the same national healthcare every other industrialized country has, which is free. Medicare costs $175 a month for one person, and you still have to have a for-profit insurance company involved. Families can't afford that. But in this capitalist hellhole we're never going to get national healthcare. Since we have to work with the devil, at least Humana is free and provides consumer advocacy.
@@AMC-eq3jr WRONG. National healthcare like every other industrialized country has is much better. Medicare costs $175 a month for one person. Families can't afford that. Profit has no place in either healthcare or education.
What do I do if I am about to turn 65 soon an plan to continue to work, can I keep my insurance and get Medicare?
Hello, I am a federal employee and will turn 65 in Feb 2025. I currently have Blue Cross Blue Shield low option insurance, and paid around $500/month premium and paid around $50/month for a federal dental insurance plan for Wife and I, and will pay the same premiums after retirement in 2026. Should I take the Medicare free part A, and keep my current Blue Cross Blue Shield low option health insurance into retirement or drop the Blue Cross Blue Shield and buy the Medicare part B, C, D? I don't know the cost vs benefit of both. Thanks in advance for your help and great video!
OMG, thank you so much. It’s so confusing.
You're welcome!
Thank you for this helpful video. Please confirm that there's no need to apply for Medicare Part A if at 65 I am still employed at a big company with more than 20 employees then once I actually retire at a later age, I can apply for both Part A and Part B at the same time at that time. Thanks!
@@pirluitpomer5812 that’s correct!
@@AbtInsuranceAgency 😉Thank you!
I fall under this category as well. Do I need to do anything letting them know I or my spouse is still working past the age of 65 so I’m not automatically enrolled?
What if someone that is turning 65 however is still covered under the wifes health insurance since she is still employed ?
You can delay your Medicare enrollment without penalty.
If someone’s moving out of the country, is Medicare still a must thing to enroll?
Thank you for your video!
Thanks.
Thank you Stephanie, my professor actually recommended this video of yours and it was so worth watching it. Can you dive more into Medicare part D as that is something I am trying to find more info on? (if you have a video already , can you re-direct me to it?) Either way, thank you so much!
Try these! ua-cam.com/video/58_7m-XeLvQ/v-deo.htmlsi=grdHOVfKLa0DllbM and ua-cam.com/video/HLZnOcxQbXc/v-deo.htmlsi=XJxE5iD82rjEzy9F
Thank you!!!
So, when I turn 65 I will have to come up with more money than I do now to pay for my government required insurance policy? Punishment for growing old. You're on your own.
Medicare is like trying to believe a used car salesman
Good info thanx much ♥
My wife turned 65 in February of 2023. Luckily, I was able to enroll her in time to not get penalized for late enrollment. But at the time I didn't know anything about Medicare. Everything's been fine since February but now I'm beginning to worry about going forward. After watching multiple videos, I'm sure I need a supplemental plan but now I'm wondering if it's too late to enroll her in one. How hard is it to enroll her at this point?
It depends on her health and where you live! You can also call or email us for help. 888-475-9728 or stephanie@abtinsuranceagency.com
Online Medicare form doesn't list part A anywhere on the page, that was a little confusing because I thought I had to select it. Maybe you covered this in a prior video I missed.
Yes there is no place to select Part A only. You just select “No” to part B!
You mentioned that Option B covers approx 80% - What is the 20% that is not covered and how do you pick up coverage? Thanks
Medicare Supplement/Medigap plans will cover that 20%! That is what we help with.
Hi, after my wife retiring next year at 62, we think live out of the states, can she get Medicare at 65 living abroad? Thank you!
Thank you! Thank you! My husband is turning 65, still working but getting health insurance through me, I got mine through my company. Can he delay enrollment without penalty?
Did you find out about this? When I looked it up it said there was a penalty but when I did the math it was maybe 10 or $15 a month added for each year you delay. I don't know if I'm correct on that I'm just trying to figure this out but it seemed like it might have been worth it to delay if you're making money. Of course if you have insurance I don't think they penalize you. Still I'm not not positive on anything.
THANKS QUEEN
Hello, I am 70 and currently receiving Social Security Disability benefits and not working and covered under my wife’s health insurance, do I have to sign up for anything other than part a ? The big question though is when will it make sense getting Medicare and will it help and save money because of many health issues ?
It shouldn't be this complicated or expensive.
I’m now working with the federal government. I’ll wait to retire till I’m 76, God willing.
But to be enrolled in advantage plan patient have to be enrolled with Part A and B then what is the difference. I hope you understand my question
I have a question for you about a married couple. The wife is retired on disability and the husband is still working. She is 71 and he is 66. They were told that she could not get on medicare because he was working and was paying for health insurance through his work. When he retires in January of 2024 will they both be able to apply for medicare without a penalty?
Yes!!
How does Dual Eligibility for low income people work for Medicare and Medicaid both? Who qualifies?
You qualify if you have both Medicare
+ Medicaid. www.medicare.gov/Pubs/pdf/11306-Medicare-Medicaid.pdf
Am trying to be remove from medicare…have other insurance…and don’t need care in US..been a struggle to e removed…
I appreciate you making the video, but this is not simple enough. I am permanently disabled due to TBI, and I have had Medicare for 17 years. I still have absolutely no idea how it works, what I need to do, or why I continuously have medical bills that take me years to pay off.
The delaying medicare because of employer coverage (>20 etc) also applies if your spouse is the one working, right? So long as you are covered under his or her plan?
Correct!
Sorry I still don’t understand ( due to my situation). When I retired, I moved out of the country. I KNEW. I would never return long term to the USA. I refused sign up for any medical coverage and I believe, if I have to pay, I only have what I am forced ti pay. I was sent a letter saying i may get a rebate on Part B. Do you know how I am supposed to know what applies to me? Thanks. BTW I retired 5.5 years ago.
It sounds like you’re talking about an Ad for a plan with a Part B give back. If you don’t have or pay for Part B then this wouldn’t apply.
I will be 65 on July 2024,, I am retired from the Federal Goverment. I will get Medicare A,, and also B. I am thinking of getting part D, since the Federal government will continue to help me pay my Blue Cross Blue Shield affiliate Health Insurance in Puerto Rico which is called TRIPLE S. Is that a good idea????
I would like to see more information on co-pay protection coverage and costs for those on Medicare advantage plans. Affordability in premiums can force the unwise C pay as go plans path choice. So, help in the area's copay gap's is desired.
214 like very nice video 👍☕💯👍🙋🏻♀️
So when turning 65 and still working and paying for medical insurance thru work [large federal agencies] a person can switch to Medicare if Medicare is cheaper?
Yes!
I had never heard of Plan G until today. My Medicare just started this month. What is the difference between Part C and Plan G?
This video explains that! ua-cam.com/video/6EDXHe2IKXw/v-deo.htmlsi=7_2fZ3QqDZUirkxK
What does it mean if someone chooses Humana Managed Care for their Medicare benefits? Do you know what this does this cover and what it does not cover?
That is Part C - Medicare Advantage. ua-cam.com/video/eRoWOPDW8DY/v-deo.htmlsi=nw44_B8bAxRQbfRi
Hi, your video was very helpful. If my spouse has insurance that covers me and I still work full time, does that allow me to delay signing up for A and B. I turn 65 in January.
Thanks!
Mitchell
Is your spouse actively employed and you are covered under their employer health plan? Then yes you can delay enrolling in Medicare Parts A and B without penalty!
Thank you!
Hi. I’m turning 65 on May 15 when do I apply for Medicare part A?
Your initial enrollment period starts in February!
Hello I have health insurance thru my employer until im 65. If I go on my husbands health insurance as he is younger . Do i have to enroll in Part A ? I believe we have to enroll in A if true can I defer part B and D. ? Also i may be eligible for 1199 union benefit fund covers half of part B should then I still enroll in part B C D ? Thank you.
You can delay all Parts of Medicare if you are actively working and covered on an employer plan or if your spouse is actively working and you are covered on their plan!
I'm 45 years old who has medicare insurance I think I'm paying 200$ a month for Medicare. I want to cancel part b because I need that money so badly. If I cancel Medicare part b for 15 years until I reach 60 how much will my monthly premium be after all that time of not having part b
ALL OF THIS CONFUSION IS BECAUSE OF FOR PROFIT HEALTHCARE!!!!!
Nope, third party payors, government interference and crazy lawsuits
@@jeffcramer6722 Insurance is there to make a profit. See the similarity?
I plan to retire in May. I am going to enroll in Medicare Part A, as my husband will continue to work and carry insurance for me. Do you think that is a good idea, then I would not need to obtain Part B or a managed Medicare at this time? We plan to move out of state and I don't know what the common insurance carriers will be in our new area that are good. Any suggestions?
Sounds like you’re on the right track - delay Part B until your husband stops working, as long as his work insurance is pretty low cost good coverage for you! Then give us a call 😊
I wil continue to work full time when I turn 65 with insurance coverage so I do not need to get medicare? I thought it was mandatory
Nope, not if you are working and have employer health insurance. You can delay Medicare until you retire.
I'm still working full time and have insurance through my employer. I signed up for parts a&b thinking I would switch to Medicare, but it wasn't approved in time for me to drop my insurance through work. Is it correct that I can wait to sign up for medigap until I no longer have my insurance through work? Will it cause problems later if I sign up for part d now? I get a better price for insulin with part d. I just want to wait to sign up for medigap.
Are you sure that becoming eligible for and enrolling in Medicare isn’t a “qualifying event” for you to drop your employer plan now?
@AbtInsuranceAgency thank you for your reply From what I read, they consider my insurance through work as primary. Letting me drop my insurance, I don't know if they will allow that. They will help you transition to Medicare, but I'm afraid they will push an advantage plan. Having to pay 20% for my husband's oxygen would make an advantage plan a disadvantage plan.
I am trying to help my Mother-in-Law with her Medical situation. She is easily confused and doesn't know what type of medicare she has. How can I find out for her? She's 85.
Have you created a MyMedicare.gov account for her?
so....if you choose an advantage plan do they drop the B charges from your social security check?
No! You must continue to pay for Part B.
OK, thanks… wow I can see why seniors are so confused…. Everyone says that advantage replaces classic Medicare A and B… which in my mind leaves the distinct impression that you would no longer pay for the prior B and instead, you would be paying for the new policy B. I think they should stop saying it replaces it.!! because in actuality it doesn’t. It modifies and supplements the traditional A/B
@@Nuvinci88 modifies is a good word!
Seems like if a person is new to Medicare it would make sense to buy a supplemental instead of an advantage plan. Because you could always go back to an advantage plan later if you wanted to. But if you start with an advantage plan number one you won’t get to choose your own doctor and networks… you’ll be penalized for pre-existing conditions later on in moving over to a supplemental plan. ??
If my mother in law signed up for a plan years ago but now she is out here with me and I see she is not on a good plan" can she change her plans?
Yes! What kind of plan does she have now?
Ma'am first you said that for having Medicare advantage plan patient don't have to enroll in Part A and B through the gov.
When did I say that?
No she did not bud
I am a veteran with part A but my have to get B or Advantage plan. Is that to much coverage. I’m in 69 in good health and needing to make a choice. My last day of work is 12/20/24 with work medical coverage
No, not necessarily too much coverage at all. If you haven’t chosen your plan yet, we’d be happy to help! 888-465-9728
If you are retired, but still have healthcare through your employer do you still sign up for part B? They have PPO's (too expensive for me) HMO's and a Group Senior Advantage plan. They say I have to switch from a regular employee group plan, to a Medicare plan. If you sign up for the Senior Advantage, can you later change to a PPO or HMO or a medigap plan? They have more than 20 employees.
If you are involuntarily losing employer/retiree coverage (because your plan gets changed or cancelled on you), then you have a Guaranteed Issue right to purchase a Medigap Plan without medical underwriting. You can also enroll in an Advantage Plan if you lose employer/retiree coverage. I hope this helps!
@@AbtInsuranceAgency Thank you. I found out today that they were being a bit deceptive to try to get me to sign up for a Senior Advantage plan that would be much less expensive for them, but more for me. The plan I am on is full coverage, and is less quite a bit less expensive since I have a locked in rate. My confusion came from that it seems. I will have to go on Medicare in a couple of years, and will definitely keep you in mind.
If you have C no need for D. How about G , N , HDG ?
I cover that more here --ua-cam.com/video/PxPBb80x_S4/v-deo.htmlsi=57iHAked1yf0ycxc
Hello i see all your videos to get more knowledge. As we are working with agency for med advantage campaign CPA from last 4+ years and helped many people with medicare need to get connected with your agency please can you help me . We can both help many people who is looking for more information about medicare adv
If your low income 1000.00 a month do you get medicare and medicade?
Perhaps I missed the info, does this info apply to Michigan?
Yes!
@@AbtInsuranceAgency thank you for responding and for the great info!
I have champ VA through my husband who has total disability. Do I need part C or D?
It depends on your needs! Do you only use VA doctors and hospitals?
I was put on Utah medicare/medicaid after being hit 4 times in a 12 car pile up. Utah EMTs brought me back from death and put me on medicare Because of medicare + medicaid I cant get mental health help. Even in crisis all they do is pass the buck back and forth. Keep in mind If one is in a small county one has to stay in that county. If that county does not have adequate professionals for mental health one is left behind. Utah and medicare even blocked grants for me. Go back to the little building who has to "find" a licensed professional, "vote" on your needs and maybe help years down the road.
Good grief I still don't understand confusing mess and then to have to be a senior with all this confusing mess
Good morning, great video. Can I delay Part D (prescription) if I currently have it at work and plan on working past 65? In other words, is Plan D treated just like Plans A&B where I don't have to enroll at 65 if I'm still working but can then enroll on all 3 when I do decide to retire? Thank you!
Yes, correct!
@@AbtInsuranceAgency Thank you. When I do plan to retire, can I work with your agency to acquire Part D or other gap insurances? Thank you!
@@joemullen8453 Yes, we would love the opportunity to assist!
My wife is turning 65, I am 63. She has never worked in the US. Does she have to enroll or does she get any benefit.
She should be eligible for premium-free Part A through your working credits.
@@AbtInsuranceAgency Thanks
this is MADE complicated for a reason. Steph does a super job TRYING to weed through the BS. ~ imo
Ha, thanks!
Easy as pie
Hi Stephanie, I learn a lot from all of your videos. I understand that I will be able to sign up for Medicare part A and B 3months before I turn 65. I am already collecting Social Security as of age 62. So when it is 3 months before I turn 65 can I sign up for Medicare part A and B online at that time? That is my first question.
My 2nd question is if 3 want to have part C a Medicare Advantage I know I need to sign up for part A and B first but when do I then need to sign up for the part C . Medicare Advantage!? Do I need to sign up for part C also prior to turning 65?
Thank you for answering my questions. Best Regards, Bonnie
Bonnie, if you are already collecting social security benefits then you will be automatically enrolled in parts A and B - you don’t need to apply online. You can sign up for a Part C Advantage Plan in your 7 month Initial enrollment window that starts up to 3 months prior to your 65th birth month. I hope this helps!
@@AbtInsuranceAgency thank you. Would I be enrolled 3 months prior to turning 65? Would I then get my Medicare card 3 months prior to turning. 65 so that I can enroll in the . Medicare Advantage 3 months prior?
@@bonniekent4721 your effective date will be the first day of the month that you turn 65. You will likely get your Medicare card in the mail 3 months before you turn 65 (ish) and then you can enroll in the Medicare Advantage plan of your choice. We’d be happy to help! 888-465-9728
@@AbtInsuranceAgency thank you so much. I will call you at the time about a year from now
Hello, I have a connected question: if I start receiving Social Security benefits at full retirement age (while still continuing to work and on an employer's health insurance plan) will I still be automatically enrolled in Medicare Parts A and B, even though I have employer-sponsored insurance?
And if so, will this mean that I'll have to pay the Part B premium despite having said employer-sponsored insurance?
Streams and pools. Risks and investments… persons and populations. It matters… disciplines… coding… interoperability. Systems of infrastructure and beyond. Supplies and blocks and chains… inflation and inflammation.
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Are part B premiums taken out of one's SS check or do you have to actually write a check for it?
If you are collecting SS benefits then Part B premiums automatically come out of your SS check.
I don’t understand why there is not just one medicare plan for everyone instead of this mess. This indicates what a sad state our government is in.
It’s bs!
Hello great job...does part D cover biologics and if yes what would the copay be?
...thank u
It depends on the specific medication -- more information on www.abtinsuranceagency.com/finding-part-d
The government first devised a way to get a chunk of our money with a promise to pay us when we retire (Social Security.) Then it devised a way to get much of it back (Medicare.) As for Part A being free for people who earned 40 credits (paid in for 10 years), that's bogus, because of the out of pocket cost or extra cost to pay for that huge gap.
Then they tax Social Security -to get more of it back