Depending on your age, life insurance with "living benefits" can be a better option, especially when you consider that a stand alone LTC policy can have rate increases.

Hello every one I am here just to tell you about medicare scam first of all I am from Pakistan Karachi I worked in 3 call centre for some time and I am regretting it now and feel so bad for you all please pardon me the first call centre I joined is named genozone international and then indigo and then soft silicon so sorry 😢

You're doing a fantastic job! I have a quick question: I have a SafePal wallet with USDT, and I have the seed phrase. (tag suit turtle raccoon orange fever main skull special hungry crystal mixture). What's the best way to send them to Binance?

Useless video not comparing companies

I hope medicare B covers more in 2025. I went to Walgreens last Dec for Shingles and RSV. They wanted $550.

Does your Standard deduction affect your MAGI? Is the MAGI amount figured before or after the standard deduction?

So basically SUPER confusing and most people won't figure options out or maybe get scammed.

I agree with this. And remember that about a third of people receiving LTC services are under 65.

What if I'm on Obamacare and then become disabled and receive SSDI? Would I still have to pay the tax credit back?

Make sure you have someone who will fight the insurance provider to get you the benefits you have paid for. Insurance company will deny and do all they can to not pay when you need the benefits. You will not be in any shape to fight this fight at that time.

Thanks for the information. The bangs in your left eye is causing you to blink too much.😉

If early retirement is near and one were to qualify for subsidies, can I still use a broker? We have employer based insurance now. Thanks for the great videos.

A Govt policy isn't going to be any better.

I have recently learned of physicians mutual dental insurance. It sounds way too good to be true when comparing to my lifetime of experience with dental insurance. I’d love to know your opinion on this :)

Do you need a supplemental Medicare plan with Medicaid

😂

So if i underestimated my annual income and end up making a little more, will that just bump me to the next premium tax credit tier or will that make drop the tax credit completely?

I see none of these magical options on my account. Wow.

So u help with market share programs? Or medicare?

Can't you have an HSA through a third party like Fidelity while being on any high deductible plan?

Health Care GOV is a rip off. the amount of money that is subsidized for one person they should have great insurance but instead get Doctors that are less qualified and sent to clinics that use to be bars and strip malls. you get unqualified receptionist that cant read or write English. This is OBAMACARE. INSURANCE CO. and DOCTORS. and LOBBYIST are the only one BENEFITTING. BIGGEST WASTE OF TAX PAYERS MONEY

Those higher deductibles are seriously awful…gezzz

Your explanation is so clear I have no problem choosing my plan, but I'd like to allow you to set me up with choosing my plan if you'll get a benefit out of it.

Hi: Im trying to pick a health plan offered by a federal job but is so overwhelming. I understand that premium, deductible & out of pocket are very important terms when we pick one specifically the last one. But im confused about what is the difference between catastrophic limit & out of pocket. Could you please explain me that? My husband will have a surgery right after we enroll with the insurance plan. So we need to make sure our out of pocket is not too hight. Thanks

She has confused us in her definition of AGI. It is NOT, repeat NOT, total income minus standard deductions. It is income, (wages, dividends, IRA distributions, social security benefits) minus "Adjustments". Adjustments are things like HSA contributions, IRA contributions, self-employed FICA taxes.

Question: What if I already have an HSA - when I retire I will still have it so I would not need to get a plan with HSA correct?

This video very helpful. Planning retirement for June 2025.

Be careful if you miss open enrollment they’ll put you in the advantage program you’ll be screwed

JOBS SHOULD SUPPLY AND HELP PREGNANT WOMEN TO MAKE SHURE THEY RECEIVE THEIR TIME OFF AT LEAST 6 MONTHS

These health insurance mogul scumbags own both parties.

Can tu bob in and out 😮

The whole country is a scam not just Medicare. Anybody that invest money in the healthcare system in these United States, is out of their mind. All the medicine comes from China. You don’t know what’s in it and they don’t care about the side effects and none of them cure you of anything they keep you sick for as long as you’ve been on medicine. And that’s a fact. They just subside some symptoms, but then they give you others. Let’s take our leaders for that. Don’t even look sick. Look at them they have things going on issues. Dementia, Parkinson’s nerve damage look at the hands flying every time they talk look at how many times they repeat the same things over and over and over again like you’re watching a rerun every time Trump opens his mouth he says the exact same things he doesn’t even have to go hold any speeches. He just asked to play his videos over and over and over because he says the exact same thing. Kamala Harris was the same way. I hands flying all over the place and never said anything except the same thing I came from a middle-class family. They could care less as long as they’re laughing all the way to the bank while they’re stealing your money on taxes and all these fundraisers, and all they do is hold parties and celebrate while they laugh at you.

Because my late enrollment for part B, SS penalized me with $97/mo, even though I was out of the US at that time. Would you please let me know how I can recover this money!?

I’ve been looking into long-term care insurance lately, and it’s so confusing. Medicare barely covers anything! I’m worried about the cost of care if I ever need it.

Can you qualify for aCSNIP plan if your Medicaid is through a community waivers plan? I live in WI and am in the IRIS program. I have diabetes asthma and dementia

Thank you for the great videos, as always!!! Looking to retire in 2025 and one of the shocking things to me is the large deductibles and MOOP with ACA vs employer provided insurance. My deductible is $3,00 and MOOP is $4,200 with employer. Am I missing something or do people really shell that type of cash out if expensive medical treatment is needed? Just WOW!

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 75.00 spending card used for food 😢😮😢😮

Great video thank you

It wasnt clearly stated but if you have A&B and are beyond your open enrollment window without a medigap plan can you apply for a Medicare Advantage Plan without medical underwriting or fear of being denied?...

They can set any rules they want and if you are boozing it up, you shouldn't get coverage.

Cobra was beyond ridiculous expensive when I retired 3 months ago. When your health insurance premium becomes more expensive than a mortgage payment, you step back and ask yourself what the hell am I doing here? I am convinced the American “healthcare” system is a total scam. We are looking at options, including leaving the country. My wife and I are both healthy and have no risky habits. We will probably wind up with an international plan through Travelers. The one caveat of course is it doesn’t cover the United States. I wonder why? 🤔🤓

Dental insurance is not needed. Most dentist will offer a non-insurance rate for basic dental care. If you have major dental work, you are pre-paying for it through monthly premiums and you have to a wait a year to use it. I plan to go to Mexico for my major dental work. Its safer than you think and definitely cheaper.

60x 14a = gx = 10(6x + b= c) ax = c = 74ax = c = 1 month +14 days

60x 14a = gx = 10(6x + b= c) ax = c = 74ax = c

You're my spouse 😂😂❤❤

Wife❤

It's always great to see you baby ! 😊❤

I signed up for part D drug coverage with 0 monthly payment. because I had a plan that was $45 a month for 8 years and I never used it. I signed up for the new plan to avoid the penalty.

Please don't limit your learning to this video alone. Health insurance is far too complicated to cover in 12 minutes, and this video neglects key topics, like network status, covered vs excluded services, common reasons for claim denials, and how to read a summary of benefits and coverage. Keep learning with other resources!

Benefitshealtth Insurance.