I like the straight forward information delivery of this channel. Thanks

we still have hundreds without power here in lincoln ne from 90 mph winds at 5 to 530 yesterday just awful

LOL, Aetna's self-serving statement reflects the arrogance that created its own problems.

Well-researched, showing the facts and the sources. Thank you so much!

Incredibly clear presentation!

I also have been reading that 45% of hospitals are considering dropping advantage plans

I hope they don't remove brokers by no longer paying commissions, which help people choose the best plan for them and with sticky situations when on a drug plan.

Does this change creditable insurance for those of us that are going to continue to work? I

true

‼️ PLAN D has tricks up their sleeve’s to give you ‘discounts’ on expensive medications. Sounds like a bargain, ha? NOPE… It’s a profitable for them maneuver. I buy using GoodRx discounts which are free. Don’t get conned into the pay version of Good RX. I fill meds at different stores for different meds and literally save over two thousand dollars a year! Don’t just fall for the “discount”, compare it and be flexible. One example Walgreens with the “D” discount wanted $345. This same prescription at Walmart was $124 with GoodRX. I use the D discount for all the cheap generics. Be a wise guy!

WHAT ABOUT! 2026; 27; 28 etc.?????

I only take 1 prescription drug. It's only about $60/yr. Even cheaper when I use a PBM like GoodRx. If I don't get a Part D from the start, can I get it later? Would it still cover any new meds required when I signed up for coverage?*********Never mind******Just found your video on "Part D analysis". Thks

Thank you for the phenomenal explanation. I love my Medigap plan G. I’m 66 and had prostrate cancer at 64. I plan on never given up G even if I have to cut other personal expenses.

As long as HDG exists, there's simply no reason to do an advantage plan. Many agents won't even mentioned them though.

I hate how intrusive these MAP SOBs are in my life. I'm an old retired guy and don't like being prodded, poked, and questioned about my personal habits unless I'm real sick or have a real injury that needs attention. CHANGES need to come.

Thank you. Very fine and informative video. I would LOVE to hear what you have to say about non-RX Medicare Advantage plans for Tricare for Life Beneficiaries. Since Tricare for Life fully covers the balance of everything not paid for by Medicare Advantage programs (like $40 copays to see a specialist), is there ANY reason for someone like me NOT to get a Medicare Advantage plan? Right now, I don't see any downside, but you may have a different take on this.

The reason Advantage plans are so "popular" is because privatization is rampant with conservatives in congress even though this type of application is far more expensive for ALL taxpayers since investors, C suite and advertising costs are not even a part of traditional MC. These plans make money by restricting and denying care to needy patients. That is why healthcare providers are leaving networks at this time. Medicare "guides" make a higher commission from getting you into an Advantage plan so they will often guide you to that system without mentioning the traditional plan is still available.

If the insurance companies are worried about their profits, why doesn't the government take over the part d to eliminate the profit leeches?

This video is EXCELLENT. Thank you so much.

I start Medicare in December, I am going with a Medigap plan and a part D drug plan. Will my part D rates stay the same for one year or will they change on January 1 of 2025 ?

Do you anticipate that Medicare Advantage plans will also need to charge an increase to cover their Part D increased financial responsibility?

It’s a shame that you still promoting that advantage plan because you will make more commission than other like supplements plan. Based on my practical experience, after my wife and I got into the Medicare - unfortunately- my wife was diagnosed with kidney cancer Luckily, we have the supplement plan G. We had tons of X-ray , MRI , CT scans and hundreds for doctors visits , we paid $0 . Besides the $160 every month for the supplement plan G. We saved thousands of $. Opposite form the advantage plan . We do not have to $ for copayments . More importantly than money in supplement plan we do not have to wait for the insurance company to decide and approve what Dr or procedure should be done. Do you know that some big cancer centers are no longer accepting the advantage plan . You will not mention this but you will mention free Gem membership 😊.it’s totally shame . We have the AARP supplement plan G. And we thank the Lord that we made the right choice.

If the $2000 cap will increase the cost to the insurance company by 30 to 40 percent for about two million people, then why would it increase premiums 30 to 40 percent for sixty million people? Only a small percent spend over the 2000 anyway.

Thank you, Cameron. Informative and straight-forward as always.

Purchased medigap while living in NV but moved to FL, does my switch to another medigap plan (same letter G) allow me to move to another company for same plan G near my birthday as your NV rules state, or am I bound to FL rules even tho my plan moved with me?

I'm uncertain that the Part D price increases will worsen the pools of the Medigap plans, mostly because drug consumption is probably a pretty good surrogate marker of health. To the extent that unhealthier enrollees see higher Part D price increases than healthier enrollees, they will be more inclined to move to Part C. That is my guess anyway. We'll know in a couple of years

If the cost falls more on insurers, it will increase premiums. Someone has to pay.

You guys hate advantage plans because you make less $ off them....

So disheartening. After paying into a system for a lifetime, the insurance and pharmaceutical companies just can't stand the idea of parting with even a fraction of their profits, which, in essence, is really taxpayer money. Medicare Advantage is just an obfuscational term for privatized Medicare which is essentially the dismantling of Medicare through the back door. Viscous sociopathic CEO's at work and no government to regulate them. 💔🫰🏼👎🏼

Seniors will end up on Medicare with all of these unjustified American medical expenses. Health care is better outside of the USA.

If my employer coverage does not have a $2000 out of pocket spending cap on prescriptions will it no longer be considered credible coverage?

Well I cant afford those increases so i will choose a roof over my head before insurance. I will start out at 65 with a supplement and once it gets beyond what I can afford, then bye bye supplement. I am not going to fret about it. The state this country is in right now, NO ONE will have money in 5 years.

Just met with a Medicare advisor. He was pushing advantage plans. I kept asking for medigap info. He only gave me plan G options. I made an appointment with a different advisor

Are there any Medigap insurance plans that are ATTAINED AGE PRICING stop increasing price due to increase in age? I think BCBS in Michigan is the same price ($274) for Plan G (male) if you are 80 or 95.

Part d is certainly a changing can of worms. In my opinion, Part d is more complex than medicare itself. It is also more expensive. This new 2000 maximum is nice, but as you point out in other videos, this will increase premiums.

Thank you for all this great info. You & your company do a great job keeping us informed 😁

Is anyone else disgusted with this? After years of paying into the system, we now have to struggle & figure out how to pay for this. Government had our money for years interest free yet here we are, still having yo buy extra insurance.

Thank you so much for this clear information on what will be happening in upcoming years.

Thanks for your excellent analysis of the new drug coverage rule, it's provided food for thought. I turned 65 last month and plan to keep working till 70 or perhaps past that. Since I have a Health Savings Account, I plan to not sign up for any part of Medicare for now. Close to 70, when I apply for SS, I'll also sign up for Part A, then Part B when I actually stop working. I'll have to stop the HSA six months before applying for SS and Part A. I had planned to go the Part A, Part B, Part D and Medigap route (perhaps Plan N), but now this upcoming drug coverage rule means some uncertainty. If my employer revises drug coverage to be equal to the new Medicare tule, then my plan holds. If not, I'll have to consider Medicare Advantage since it includes drug coverage. Which is weird, because the two meds I currently use/need cost a total of $8 a month. It's almost like these rules are being made to push more people into Medicare Advantage. And once you're there for a more than a year, there's no going back without underwriting.

I decided i will only have the Medicare A and B only with a prescription plan, because Medicare covers EVERYTHING I WOULD EVER EVER NEED ❤

Wow! Who else goes this deep into the Medicare mess we have these days? Nobody!

Thank you, Cameron, for a very thorough and informative video regarding the future of Medicare supplement plans. I downloaded the Telos actuarial handbook to read. Being forewarned is so much more beneficial than being blindsided. Thank you so much for that tip, it is so appreciated!

GOOD INFO...THANK YOU.... ( i wonder if the SERFF "plan/pricing changes request filings" have been documented yet ?? )

i’m starting medicare in november my birthday month. i’m still opting for a G or N plan but i’m afraid the cost might be out reach.

So their plan is to increase costs of mcare gap plans to drive more people to MA Plans to deny benefits and make money. Got it!

Been in this business for 30+ years. STAY AWAY frm mcare advantage if u can. I see wht they do everyday And its horrendous wht they are doing

Thank you - I need this so bad

I am in WA. Currently have Medicare advantage for two years now. Can I apply for Medigap anytime now without medical underwriting?

Well youtube won't allow me to elaborate on my previous comment. People retiring with 200k in annual income are not watching this video. That might be 0.01% of retirees. Then there are real people who have busted their tails all of their lives and then get screwed by this monstrosity of a train-wreck. I'm there and in the middle of the train-wreck. We'll be fine, but if you create a system that generates yet another industry (medicare consultants) you did something very, very wrong. 4:17 is your clue. The government outsourced your healthcare. 5:00 - the HMO / PPO description. This part just angers me. For the past 30 years from employer to employer ALL OF MY HEALTHCARE COVERAGE has been in a PPO plan. I did 5 years or so on Kaiser as a personal healthcare plan, then Obama made the system worse, tripled my rates and had to drop them. The fact of the matter is that MOST Americans are on PPO plans, so pointing this out is sort of a "duh" moment. It just doesn't matter.