I just need my meds paid for. Why does this have to be so hard.

Love your videos! I almost made a horrible choice, but for some reason I decided to watch your videos and now I’m on the right path I’m going to go for a plan N ! Thank you! So many agents they push that Plan G . If I decide later on to go to Plan G would I have to go through underwriting?

Does Irmma increases last for ever ? ie. Sale of a home.

Such helpful information!

Just an observation he is the CEO of medigap which is the same as Supplemental, he encourages people to start with supplemental 😂 of course. Please people before making a decision compare the $$ you can pay for hospitalization between both and you will be surprised also he miss information for LIS Low income subsidy People can join medical and Medicare advantage and pay ZERO for everything also part B will be covered plus all benefits like vision dental OTC gym transportation food , international emergency coverage etc... with this inflation 65+ people needs benefits and lower cost. Unless you have a wealthy life go get supplemental. Also Supplemental is private too don't let you trick you on that

Why do I hear about some hospitals not accepting advantage plans anymore?

Are service providers also seeking to increase profits by requesting authorization of unnecessary treatments?

I am on Medicare as of September 1st plus Medicaid. Do I have a choice to go on supplement instead of Health Net advantage plan offered by medical?

If I receive Medicaid do I have a choice to get Medicare with supplement or only an advantage plan offered by Medicaid?

Thank you, Matthew, for giving us both the good and the bad news about Medicare Advantage plans. It’s really important to understand how prior authorizations can affect coverage, and I appreciate you laying out the facts so clearly. It’s concerning to hear that neither federal nor state laws are preventing the misuse of these authorizations, but knowing what to expect helps us make more informed decisions. Your straightforward approach really helps cut through the confusion-thanks for making these complicated topics easier to grasp!

Thank you ❤ Consistently appealing denied claims is an excellent strategy, especially considering how lax CMS has been at enforcing their own rules.

Great video! Even if you have many hours to read everything on the Medicare website, it is not always clear cut. It's important to keep abreast of what is available, what is changing, why it is changing, etc. Medigap Seminars is an excellent resource.

Yes

Love the information. My wife and I both have supplements, but my parents both have advantage plans. Luckily, they were never denied a pre approval. This may be because their advantage plan and the local hospital were the same company. Maybe they were just lucky.

Politicians help resolve problems, right?

For many of us, during all of our working years, our employer provided basically a Medicare Advantage plan for the workplace. In my situation, I had a primary care provider who met most of my needs. If I needed the specialist, he had no problem recommending one for me. My workplace plan also included a good amount of dental and vision insurance. It also included any pharmaceutical drugs that I needed. Now that I am retired, I can choose a Medicare advantage plan in my area, which includes that same doctor, all of the specialists, local quick cares and hospitals, and a maximum out of pocket which is less than $1000. Please tell me why I should leave this type of plan and pay through the nose for traditional Medicare, plus an advantage plan which will continue to increase, plus a drug plan that will continue to increase plus dental, and not to mention vision coverage as well. If I was totally happy with what I had throughout all the years in the workplace, why would I want to change now? I am open to your professional thoughts. Thank you very much for this video!

I agree!! After 65,Dental & vision should be free!!!

Me too!

How in the world do seniors afford dental & vision?!? Why isn’t this made free for Seniors over 65?!?

So what is Medicare Advantage really? It's NOT Medicare. And it's certainly NOT an Advantage.

This gentleman provides a deep analysis of important Medicare topics. Check out his other vids, as well!

As an independent agent, I listen to you and subscribe to your channel. I do this to learn. You are a very good teacher and you impress me every time I listen. Thank you

For you veterans coming close to medicare age be advised. You will be required to get prescription coverage even though you have it through v.a.. Also plans will be limited in your area.This government wants to drain every penny from you to give it to illegals.

If you choose an Advantage plan with $0 premium, you still have to pay the Part B premium of $185/mo. next year, correct?

Yes they are !

As you explained, the likely hood of the excess charge based on the formalities and responsibilities of the doctor to tell you makes the N more attractive.

Thanks Matthew. This will make me a more informed consumer. I appreciate all your efforts to educate us on our Medicare journey.

Very, very helpful. You do a great job of taking at least some of the mystery out of this mess. And your menu system is very helpful.

I went on medicare at 65 years of age 2007.About 2016 my wife lost her job and i had to go employers insurance so she could have coverage.June of 2026 I plan retiring at age 83.Will I be able to obtain a supplemental policy like I had when I first signed up for Medicare without having to go through Medicare underwriting?

Excellent review and great advice! Thank you!

Gibson Ramp

Yes

Great video. I'm retiring in about 5 years and I will definitely be reaching out to your company for help in navigating this complicated issue of Medicare supplements. Keep up the good work and I'm so blessed to have found you!

So happy you are on top of this!

Thank you for all your help. Your videos also, very insightful. I want this plan and working with Jessica from your team very soon!!

Watch out for the Advantage plans vs keeping your Medicare & maybe getting a Medigap/Supplement plan....

I love saving money but Plan N has the same monthly premium at 65 as Plan G (from UHC in Southern CA). In addition, as we get older, we find ourselves needing to go to more doctors each year. Once your medical visits become free at 65, why would someone not want to go to their PCP, their cardiologist, their dermatologist, their ENT, their endocrinologist and others on a regular basis. Copays will add up very quickly with multiple doctors and erase any savings you might see up front. Plan G for me, not even close.

I love saving money but Plan N has the same monthly premium at 65 as Plan G (from UHC in Southern CA). In addition, as we get older, we find yourselves needing to go to more doctors each year. Once your medical visits become free at 65, why would someone not want to go to their PCP, their cardiologist, their dermatologist, their ENT, their endocrinologist and others on a regular basis. Copays will add up very quickly with multiple doctors and erase any savings you might see up front. Plan G for me, not even close.

I am already insurance poor. Medical, Auto, & Home Insurance. Something has got to give or I give up

You must be fair to poor uninformed Americans who will choose Medicare plan . On every step patients must get PREATHORIZATIONS in order to get proper care. These insurance companies wants to maximize profit and limit health care. Some hospitals already refuse to accept Medicare advantage.

Thank you Sir! From the HSA cheat sheet, it looks like I can enroll in Medicare during the Initial Enrollment Period and can stop paying into our HSA the month before. Whereas the "six month retroactive rule" (with penalties on HSA) applies only to after Initial Enrollment Period. Thanks!

I thought it was going to be voluntary? What if we already have Plan G? We are all forced to change? They couldn't make medicare any more confusing if they tried

Thank you for this and the original full length video from 2022. You addressed everything I wondered about and confirmed my research. An Independent Medicare agent cold-called us (by walking 250 feet up our driveway) and told my retired Navy husband that he was okay with VA but MY Medicare and Tricare for Life was full of holes and would never be enough. The prevailing dishonesty is sickening. I am very grateful for your honesty.

Assuming Dr knows what is wrong with patient. Unfortunately that is always NOT the case. Taking unnecessary medication will led to different health problems.

Can you make a video, explaning what are the advantage using CIGNA insurance

Congress considered DOING AWAY WITH Medicare Advantage plans and FORCING everyone back to original Medicare? comment please

A With an Advantage Plan, you no longer need to purchase a supplement plan. comment please

2025 Medicare Part B premium $180.00. Who pays the remaining 80% of the monthly premium. interesting to know the answer. Uninformed citizens?

I will be 65 in Feb 25. I would love to talk to you about what to do. I plan to still be working until 67 or 68. Employees are less than 20 in my company. The problem is I live in Mass. Can you still talk to me?

😀😀 Thanks for your informative video on Medicare plan differences!! Very interesting!!!