No choice for low income seniors so just shut up!

Work for cash after retirement

So for an extra $200/mo, I should wait to retire at 67? Two years is a long time in terms of physical and mental state once you reach the 60's. For me, it's not worth it!

My name Is Lois Sterling

Not me Son,but Who said we will live to be 64,but I am 63 now,I want to enjoy what I worked for

I TOOK IT AT 62 SO BIDEN DIDN'T HAVE A CHANCE TO GET ALL OF MINE AND GIVE IT TO HIS ILLEGAL CRIMINALS! SO PROUD I AM! I PAID INTO THIS FOR RETIREMENT! IT'S MINE!

What about individual worked overtime for years

What does the "break even" point represent ? That term is used on several channels, but no one explains what it means. Please clarify.

By the time you pay a monthly part b premium, a deductible, and 20 percent and live on SS you are at a disadvantage. So if you add a supplement such as Aflac you now are paying more. If you wait to sign up they penalize you. How does this benefit us unless you are sick most of the time, yet, if you are sick then you pay the 20 percent and enough 20 percents can cause financial hardship, plus the monthly premium which just increased as well btw. Insurance companies are worse.

This man will simplify your Medicare needs! You won’t regret taking his advice God bless!

This is just your own personal opinion an may have not worked for you but may work for others.

I have advantage plan as i have always been on medicade. As a liw income person who barley gets by, abything is better than nothing. Health care in this country is crap especially any of the insurance coverages.

Thanks so much, well explained

You are also missing a point for some. I started a family late, so at 62 my youngest will be under 16 do that makes both my wife and daughter eligible for benefits if I take mine. It will only last three years but that could work out to $63k for my daughter which will grow to $$$ for her retirement.

I love going into all these doctors offices and they never ask me for money. That's what I get with Plan G. It is my life reward to myself. I will never change it! One dinner out with my wife costs about one month premium cost.

Keith, thank you so much for the wonderful videos that have help me over the years. This year, I'm very happy to have the help from Julia Jones who's not only knowledgeable but also thorough and professional. I would highly recommend you both. Thank you!

Having a medicare suppliment plan has been a nightmare for me and I'll be switching back to original medicare now. The healthcare industry is FUBAR.

They want you to die before you start collecting. Do math it worth taking at 62 it would be till 85 to catch up or break even .

Hi Keith! As a Cigna N Supplement plan holder, I’m trying to find out info on HCSC purchasing Cigna’s Medicare companies and how that figures in with Cigna moving their Medicare plans to Medco? It’s hard to find any clear info, which probably means this is not going to be a benefit for the consumer…..

Thank you Keith and Henri my payment s are lower for a plan g!

Im taking the first day I can. I might be gone at 65 or 70.

I have a Medicare advantage plan with anthem Blue Cross Blue Shield. The only problem that I’ve had is that Medicare does not cover some things that I need and I don’t know why the supplement plan didn’t cover it it and my supplement plan is $225 a month not 100 I like the security of it because I have a lot of medical issuescomplain I guess is what regular Medicare won’t cover

The hospital in our area stopped accepting Aetna advantage? They don't reimburse and fiddle around sending back payments

Prescription drugs is plan D you have to have with original Medicare

So can I EVER go back to regular straight Medicare?

SIGN ME UP! But one question; will I be able to find a doctor. I’m in California. I have advanced skin cancer. This was hidden, came as a total surprise. My plan is a Medi-Medi Medicare Advantage plan, and supposed to be $0 out of pocket. (I am poor, and I can’t even work now.) I asked my PCP to send me to an oncologist. He did. And the oncologist ordered a PET scan and biopsies. My medical group stepped-in, DENIED the PET scan, said it was “medically unnecessary.” (I have to appeal this myself - NOT with Anthem/BlueX, but with the “medical group,” Crazy!) I have a phlegm cough, had it for 7 years. I have a cyst on my jaw, had that for 8 or 9 years. A surgeon was to remove the cyst and send to a lab for analysis, but that got cancelled as I was turning 65 and was getting switched to Medicare. Surgeon said to reschedule after insurance was worked out. Insurance didn’t get worked out for 6 months, some sort of problems in the state government of California. After I got insurance coverage- Medi-Medi on a Medicare Advantage plan -I got a dermatologist prescription for 5-Fluorouracil cream (5-FU) which revealed a MASSIVE amount of skin cancer on my face, neck, and both arms, and I dare not treat my back, chest, and legs, though it is sure I have some skin cancer there too. The skin cancer on my face is getting into my eye sockets (even across my eyelids), my nostrils, my mouth, and ears. It is the infiltrative type of basal cell skin cancer and is considered either advanced or metastatic. I think my oncologist realizes this. We talked about getting me set up and ready to join a clinical trial. My arms are just as bad as my face, but my neck did clear up from the treatment quite a bit. I have painful lesions all over face and arms. I have received NO treatment other than getting that initial prescription for 5-FU cream and some refills. The treatment with 5-FU is about complete now, as I can’t do anything more with it even to hope to improve the situation. As to the cancer going across my eyelids and into the eye sockets - I will need to go to Regeneron’s Cemiplimab (monoclonal antibody) clinical trial to direct inject the antibodies into the lesions around my eye sockets. This is totally experimental but I’m that desperate for care now. My skin cancer is so advanced I should be eligible for the regular treatment with the Cemiplimab immunotherapy drug, according to the FDA, with the full price on Cemiplimab running about $7,143 per month, but the drug maker will drop the price about 20% for people of low income. I don’t think there’s a chance in Hell these people will pay for this Cemiplimab drug - this is the “medical group” I’m talking about, though Anthem/BlueX might, which raises questions, as the medical group stopped my oncologist from giving me a PET scan! (Would they stop me from getting the cyst removed and analyzed? That’s clearly a real possibility!) So three questions:(1) as a Medi-Medi patient in California I get zero deductible on apparently any plan, BUT it appears I am ONLY eligible to be enrolled in a Medicare Advantage type plan. (Can you let me know anything about this? And reading number “2” next you will understand where I want to be.), and (2) I retired at 65 specifically to take care of a knee issue (actually both knees). There’s the “MACI” cartilage repair system that’s approved by the FDA, the ONLY one “approved”(though there’s another about as good and even easier as it’s a 1 step system with a slightly quicker healing time, but not “approved”) - my goal is to be a college level golf coach. But with this skin cancer coming out of the blue… So what medical insurance will pay for such up-to-date treatments for “disease?” (Like Cemiplimab for advanced skin cancer, or like MACI for knee cartilage repair?) And (3) if the healthcare providers just refuse to EVER do up-to-date treatment for disease, would it then just be better off to get the lowest level of healthcare with acceptably low co-pays, not a Medicare Advantage plan? (Has anyone ever just sued their healthcare provider for refusing to provide adequate and up-to-date treatment? The denial of my PET scan by my “medical group,” what is up with that?! I can see Anthem-BlueX maybe wanting to cut costs, but the “medical group?!?” Do they get a kickback as a year end bonus for keeping treatment costs down? Kind of looks like that. If that’s the case, maybe I should sue?! I mean, how else can I get medical care in such a corrupted healthcare system?) So let me know what you think is my best plan option given my needs - I would like to get the MACI knee cartilage repair (not cheap) and get the Cemiplimab antibodies treatment for my skin cancer (also not cheap). If my skin cancer lesions close up enough that I can go back to work (bad knees and all) I would not mind paying out of pocket premiums to get GOOD (up-to-date) healthcare. Does ANY insurance provider provide up-to date healthcare? Or are they all cutting corners and cutting costs?

Life expectancy in the United States is currently going down and currently only 60% of males will live past the age of 70. I say take it now there’s a pretty good chance he won’t be taken it later.

I've been relatively happy with Medicare Advantage plans since 2008. However, your video is causing me to do a very detailed analysis of (Orig. Medicare plus Prescription Plan plus Medigap) vs. Medicare Advantage. I'll finish before Dec. 7! And post my results.

Medicare at 65 I’ll retire then.

very good information

Very good, informative video - with one glaring error. The test for SS penalizing you for starting benefits early is not based on Adjusted Gross Income, it's based only on EARNED income. Your wages or self-employment income...doesn't include investment income, rental income, etc.

Don't listen to him, take it at 62 and run

I want to stay away from any ADVANTAGE PLAN. Can you advise me?

Why AARP Supplement plan G is so expensive ($ 320)monthly

I am so confused with my advantage plan. I am going to change to Medicare with a supplement plan. I do not know which one to choose. I would like plan G but the montly payments are very expensive. Can you advise me,?

I would not take Plan N because you can't trust medical providers to give you accurate information about excess charges. Most of the people working there don't have a clue when you ask them questions about charges and billing. This is one reason why more people don't buy Plan N.

One question: do the best doctors accept medicare?

My divorce left me bankrupt. Nobody wanted to hire a bankrupt accountant - I should have gone bankrupt more often so I could become president I gave up on the legal system and the capitalistic society that created it. Thanks to the guidance and direction of the court, I went from paying thousands per month in taxes to living off welfare and paying no taxes. I'm praying the next recession is a depression and comes in the next two years

The first "mistake" to avoid is not cutting it off.

Thanks for the new video! I’m looking forward to seeing what other content you post. Always good to learn as much as possible!

EXCELLENT explanation.

Physical stress versus mental stress. Someone at a desk job can have just as much stress as one who is physical.

What about people like me (born, March, 1958) who plan to work until I'm 68, at which time I plan to apply for my social security benefits and work one more year. Will that be costly? What is your opinion?

When you are in a system that the Ins company can over ride a Dr , you're in a screwed up medical system.

If you still can work until age 66 is the best and if you are still healthy keep on working cause you do not have penalty . You can work as much as you can . The good thing when you retire at 66 and you still work full time you will save you Social Security money and your monthly income while working is your extra income

Thank you! Very helpful.

SS says online that by waiting until 70 you can see an 8% increase per year in monthly distributions and equaling 32% increase from one’s FRA. Not exactly true. If my FRA is at 66-4 months, then if I wait until 70, the difference would be 3 yrs, 7months for a total of 28% increase. SS should calculate online a monthly increase X the # of months from one’s FRA to their birthdate when reaching 70 years of age.

I took mine at 68 after calculating that my break-even point would be in 11 years (79 Yrs of age) if not waiting until 70 - at which time I would realize a monthly increase of $250.

I hate my Medicare advantage plan. Can't wait to cancel it. I had trigger finger and went to a specialist that helped me before. I told him I had Medicare and went in. They saw that I actually had Medicare advantage and they said they could not accept it. It turns out this doctor was not in my network so I could not see him. Then they assign me to a PCP that was 20 mi away from my house. I had to wait for the following month to cancel that PCP and go with the doctor close by to my house. I'm also on an HMO so it's the worst of the two plans. What a mistake. Plus I had to wait 3 weeks to go see the in Network doctor for my trigger finger. If I had been on straight Medicare I could have gotten it taken care of right away.