Medicare Expert Shares the BIGGEST Medicare Mistakes You Don't Want to Make!

[@MedicareonVideo]

Check out these important Medicare Videos: *Starting Medicare* kzbin.info/www/bejne/rmjXqXqPdruGjMU *Medicare After Age 65:* kzbin.info/www/bejne/iIrOfpyfjK-Uors *Best Medigap Plan 2024* kzbin.info/www/bejne/g4qxq5Krm96Ahck

[@deltatango5765]

I THOUGHT I understood Medicare pretty well after lots of research. I started Medicare Parts A and B a year and a half ago while I was still working because I was planning to retire any time. I called HR and told them what I was doing, and thought they were going to cancel my insurance, except for drug payments. Instead, they cancelled everything except dental. Unfortunately, I found that due to inflation and other things, I had to put off my retirement, so I'm working until August 2nd, this year, if nothing else goes wrong. I had no idea that I NEEDED to get Part D at that time also, or pay an extra 1% per month that I delay. I thought that only applied to Part B. Now I'm going to pay a higher premium for the rest of my life because I need to get Part D, and yet I'm not allowed to enroll until October! Exactly how does it make sense to penalize more each month, then FORCE us to delay several more months? This stupid system needs to be simplified and made fully understandable by the average retiree. If you enroll in Part A, then it should warn you to enroll in Part B. It should also make clear that if you don't intend to get Medicare Advantage that you MUST enroll in Part D AT THAT TIME to avoid this penalty! This is totally asinine.

[@MedicareonVideo]

I agree, I don't think there should be a penalty for delaying Medicare Part D. Many people who do not take any prescriptions are forced to enroll in plans to avoid a lifelong penalty.

[@kennethsmith3625]

This is the best information on the internet thanks Keith for being here for us

[@bobdurso1]

If the Medicare supplement plan N benefits are the same for all providers, why do the premiums vary so much?

[@G-man09x]

Thanks for the great info! ✌✌☮☮

[@MedicareonVideo]

Happy to help!

[@bhesaalvarezo7760]

How do you schedule appointments with you?

[@MedicareonVideo]

Can either call or fill out the form on my website. 877-885-3484 medicareonvideo.com/

[@bigearlrrr]

Also at 65 when I retire I wasnt planning on getting any part of medicare because I am a disabled military vetern with free medical care, so why should I pay for more health care ?

[@mmathew4519]

Why did they make it complicated for senior citizens?

[@MedicareonVideo]

It is going to be based on anything that is considered your gross income.

[@randytran2874]

I have a question about IRMAA. If my income is high and have to pay more for medicare part b, would my premium for the supplement insurance goes up as well?

[@MedicareonVideo]

@@randytran2874 only Part B and drug plans have IRMAA increase.

[@randytran2874]

@@MedicareonVideo thanks for a very quick reply. How about the 10% per year penalty for enrolling late in medicare? Does the penalty apply only to the premium of part b and d and not the supplement insurance?

[@brianspurgeon3695]

I watched your video. I just turned 65 a couple of months ago. I signed up for medicare A and B in time so there are no penalties. Unfortunately I joined a medicare advantage plan. I did not see my doctor through the plan or activate their card or utilize their benefits. I want out of the plan since I have my own business and plan to work it for the next 5 years. I have not signed for SS. I have no other medicare insurance through my business. How can I go back to medicare A and B and get out the medicare advantage plan? Also I am not interested in paying any extra money for a medicare supplement plan. Is there a way I can just go back to original medicare since I am healthy and I don't need to see a doctor and don't plan to anytime soon? I appreciate your advice.

[@MedicareonVideo]

Hi Brian- you can leave the Medicare Advantage plan during the Annual Election Period in October. I wouldn't suggest enrolling in Original Medicare without a Medicare Supplement plan, as that leaves you open to all medical costs without any limit. There are a lot of high deductible options available. If you put in a request on our website. www.MedicareOnVideo.com, we can walk you through the lower cost options.

[@chriswedgworth]

Thanks for all the info So confusing I will be calling in a few months

[@MedicareonVideo]

Looking forward to hearing from you, Chris!

[@davesmethers2663]

Does Medicare cover hearing aids?

[@MedicareonVideo]

Original Medicare does not. There are options for separate stand-alone plans, though

[@jasond3169]

Keith, are you looking to hire agents?

[@frostyjim2633]

This advice might be right for somebody, but it's certainly wrong for me. Why would I pay a lot of extra $ for Part B on top of what I'm already paying for a plan I'm happy with? I'm not concerned with having 'super insurance'

[@MedicareonVideo]

@@frostyjim2633 are you talking about keeping your insurance at work?

[@frostyjim2633]

@@MedicareonVideo No, I retired at 56 and now I'm 65. I'm staying with the FEP plan

[@elvaz2]

What if my spouse stops working @65 collects S/S looses her employer health insurance but I rolled her into my employer health insurance because I’m younger and still working.does she still need to enroll in Medicare . Thanks

[@MedicareonVideo]

As long as she is in an employer-sponsored group health plan somewhere with more than 20 employees, she can remain on that insurance past the age of 65.

[@dgarreis]

If I retire early 64 and 8 months and am self employed it is my understanding I can only make around 22,320 per year. Once I reach full retirement age 66 and 10 months and am already collecting at 64 will I still be able to make 59,520 self employed at that age?

[@bigearlrrr]

I am still working and have good insurance, 63 years old, my wife started drawing ss at 65 and part A cause its free but dosent need any more because of me, so at 65 Ill retire and we will get her part B and probably G , there should not be any penalties should there?

[@MedicareonVideo]

As long as your wife is received her medical insurance through your employer and you are actively employer somewhere with 20+ employees, she should qualify for a special enrollment period when you leave that insurance.

[@GravityFarm]

WHY... is it so complicated? (Actual Question)

[@MedicareonVideo]

The government likes to complicate everything!

[@SCSC-qz7rr]

Question: If you retire outside the USA at another country do you still pay Medicare even if you’re not using it or can you use it in another country???

[@MedicareonVideo]

It is a tricky scenario. If you do not, when you return to the US and decide to enroll, you will be subjected to a lifetime penalty. If you enroll and live abroad, you will not be able to use your Medicare abroad.