You are not authorized to speak on this. You guys get FLUSHED
@akita96th5 күн бұрын
I have been retired for 8 years and I have had regular medicare with a supplement and it has saved my life. I have been in an out of the hospital in the last few years and I have never worried about hopsital bills......Advantage plans will kill you plain and simple physically and finacially.
@leonardmayer23628 күн бұрын
What is MediGap?
@policyguides7 күн бұрын
Hello. Medigap insurance, also known as Medicare Supplement Insurance, is a type of private health insurance that is designed to fill in the gaps left by Original Medicare. As mentioned earlier, it helps cover your out-of-pocket costs such as deductibles, coinsurance, and copayments.
@brunohernandez46248 күн бұрын
Gracias por la info soy de Chicago trabajando 24 años sin papeles y tango 61 años
@DaveCLL9 күн бұрын
Mutual of Omaha is the WORST. They routinely close the book on blocks of business. This locks many of the current plan holders in that block into soaring premiums. If you cannot pass underwriting, you are trapped in this premium spiral. Mutual of Omaha is the WORST. Don't get lock into this ripoff!
@policyguides5 күн бұрын
Did this happen to you? What did your premium sore too?
@fillythrees334111 күн бұрын
We have AARP/UnitedHealthcare Plan G Medigap plan and, while these Medigap plans are not cheap, they're worth every penny, especially if you are hospitalized. Prior authorizations are a HUGE SCAM - patients should NOT have any care delayed because of some insurance company's prior authorization requirement!!! I've NEVER agreed with prior authorizations which is why we went with a Medigap plan. BTW, this video is basically a commercial for Mutual of Omaha.
@policyguides10 күн бұрын
I recently created a video around the pitfalls of Medicare Advantage plans and prior authorizations. I believe your statement is spot on, Medigap costs more but provides far superior coverage and eliminates prior authorizations! Unfortunately, most people have no understanding of prior authorizations until they actually experience them firsthand.
@barneyfyfe83132 күн бұрын
Have you compared the cost of your plan through AARP VS your plan without AARP?
@herminialopez223511 күн бұрын
Very useful information. Thank you.
@policyguides11 күн бұрын
Happy to help - thanks for watching!
@candeffect13 күн бұрын
I like my Plan HDG ($34) for the incentive to stay healthy. Plan G has no incentive for me.
@policyguides12 күн бұрын
Good for you. You are still way a ahead of the game, especially when compared to a Medicare Advantage plan. Knowledge is power!
@barneyfyfe83132 күн бұрын
What state are you in? My HDG aka G+ is $72 in NY.
@mikelyons7014 күн бұрын
Thank you
@williamhendrickson723616 күн бұрын
Another scam like Obamacare
@policyguides15 күн бұрын
Howdy! Thanks for commenting. Obamacare is funded through taxes and subsidies, Medigap plans are not built that way. You pay a premium to the insurance company, no taxes or subsidies are involved.
@annaburns5382Ай бұрын
Thanks for the explanation. You made it clear.
@g0989Ай бұрын
Guaranteed Issue Rights don't apply to switching Advantage plans. Advantage enrollees are free to switch Advantage plan companies annually during Annual and Open Enrollment as it is now, with no medical underwriting, even if the enrollee just wants a different Advantage plan. Guaranteed Issue applies in certain situations to those enrolling in Medicare Supplements outside their initial enrollment period.
@policyguidesАй бұрын
That is correct, however, the general public is normally not aware of that. In that part of the video, I simply wanted to let folks know that they can switch plans seamlessly without diving deep into the GI rights.
@kyliemiller18722 ай бұрын
This is amazing info!
@meet-jamie2 ай бұрын
Love the cash payment for a car! Great illustration!
@meet-jamie2 ай бұрын
Well done bro!
@g09892 ай бұрын
Although the maximum allowable out-of-pocket for Advantage plans can be as high as $8850, in many cases that can be less, depending on where you live. For example, where I live, annual max out-of-pocket for Advantage plans will usually be between $5000 and $7500. A Medigap Plan G will not have those limits, as you correctly point out. Just the small annual Part B deduction. But most Advantage plans are zero premium with zero deductible, whereas you may pay between $1500-$3500 annually for premiums for Plan G. Still lower than Advantage maximum out-of-pocket, but that is money you will spend regardless of need, whereas for Advantage you might have to spend up to whatever the annual maximum is. For many services, Advantage plans have a fixed dollar amount copay, rather than a percentage of allowable charges.
@policyguides2 ай бұрын
Thanks for commenting. I agree with your line of thinking - the greatest problem is many Advantage plans now require you to pay 20% for things like chemotherapy. So it's of utmost importance to understand not only what copays you have, but which areas DO NOT have a copay and require a percentage.