BIG 2025 MEDICARE CHANGES! ALERT!! CALL TO ACTION!!! | PLUS LIVE Q&A with Dr. Ed

Dr. Ed Weir, PhD, Former Social Security Insider, discusses the upcoming changes to Medicare, Medicare Part D, etc...
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🆓Help finding a Medicare plan is ALWAYS FREE! Call 888-817-0446 or email: [e-mail] Dr. Ed’s nationwide network of trusted partners can help with: Medicare Supplements (Medigap); Medicare Advantage; Dental, Vision, Hearing plans; Part D Prescription drug plans; Cancer and Hospital Plans, (and by popular demand: burial insurance)
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😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of KZbin videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!
😊😊WE NEED YOUR HELP! Anything you can do to get the word out about our channel is greatly appreciated! How about your local news? Dr. Ed would love to appear on your local news to promote this critical information to your local community. How about sharing? Facebook, Twitter, Instagram, places of worship and work, community and senior centers! Do you know a famous celebrity or social media influencer? Please have them share our channel. My contact info: [e-mail]
⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.
#socialsecurity #medicare #seniorcitizens#seniorcitizens

[@MyGovExpert]

😃☎ Private consultation with Dr. Ed? Click here to schedule: calendly.com/mygovexpert/consult Get ALL your questions answered privately AND support all of our FREE CONTENT!! MORE HELP HERE: linktr.ee/MyGovExpert

[@DouglasKGreer]

@@MyGovExpert Sorry Doctor i can't afford one but i do like the information you give us. Thank you sincerely

[@sherryburden8495]

Do people on ssi and social ĺsecuriy I was Nojo

[@marciageorge4111]

I check my UnitedHealthcare. The end coverage is today without notify. What I can do now?

[@flohodges6378]

@@sherryburden8495

[@spep4114]

Seniors r not taken care of

[@HBDuncan1]

But they sure send billions for undeclared wars & pay for all of the millions coming across the borders? So they can vote too. In CA they will de able to get a $150,000 down O interest mortgage ! The $ deposit is free & covered so this is getting crazy No job , no income & getting this right out the gate?

[@mbcrandell7766]

That would be true. Anerica is no longer the great country we used to be. Biden and his puppet masters sold us out. I will love bartering though. No monetary exchange; just trading fair and square. My family knows there will be no heroic measures here; I cannot afford it. We are a third world country with corruption in every area of government. They could care less that we know

[@lemontree5788]

True!

[@fredishaffer1636]

I have Medicare and Plan G Supplement for 4 years. I have had the benefit package under Aetna for the 20% that Medicare doesn't pay. Deductibles of $240 No pre-approvals on Dr. No copay at Dr offices, no copay for ER visits. $130 a month for Aetna premium. I had an operation last year and it was $200,000. Medicare paid 80% and Aetna plan G" paid the 20%. I walked away oweing -0- dollars.

[@jenniferhejhal4101]

@fredishaffer1636 WOW wonderful i had Etna years ago but stopped because my DR SAID THEY TOOK TOO LONG TO PAY . IM currenyly with another plan just MEDICARE , i do not want a suppliment and be told i cannot visit who i please. Many of these suppliment are all garbage . They dictate how much money i can spend and when they say im eligible for a certain procedure they can stop it at any time . I TRY TO EAT HEALTHY AND MY FAITH IN MY GOD HAS BROUGHT ME THIS FAR IN MY LIFES JOURNEY. ALL PRAISE TO GOD FOR WITHOUT HIM IAM NOTHING . EVERY BREATH WE TAKE IS FROM HIM ALONE . BLESSINGS TO ALL . PRAY OVER YOURSELVES PSALM 91 KJV AND PUT HIM FIRST IN YOUR LIFE .PLEASE GET THAT RELATIONSHIP WITH OUR FATHER .SHABBOT SHALOM

[@sammythompson3694]

Joey changed the deductible to 22%.

[@x.y.7385]

Cheapest plan G in CT is 260. Plan N is 170.

[@imasahm]

I have a great agent. Plan G with Humana. Was $109/mo and just went up to $119/mo. Haven't had to make any claims yet, but about to find out how it is dealing with Medicare - after being insured under my spouse's insurance...at a VERY high price!

[@BarbaraBush-cg4kn]

@@x.y.7385

[@G.G.8GG]

Listening to all this and knowing how people will struggle to sort out what to do next is a strong reminder of how convoluted our medical care system is in this country.

[@chrisbraswell8864]

The main reason is that about 15% of the illegal people that are in our country are put on Social Security and this severely changes the amount of people on Social Security. The sh----t has hit the fan and the poor planning by the government we have now has done it. They get 87,000 new IRS agents but the need for more people in SS has also the same problem, soon there will be more agents and less money left for the People that are on it Because it is increase in people that would not happen without the Illegal people. The number on SS should be going down not UP. Baby Boomers numbers are going down but the Illegals are going UP.

[@commonsense6967]

@@chrisbraswell8864I agree. Certain Communist states are doing this AND registering illegals to vote now! Communists are lawless.

[@jules8262]

BECAUSE of the politicians!

[@ninaof8433]

​@@jules8262 Especially Obummer!!! Now Biden hid this in the Inflation Reduction Act!!!!

[@arlinedidier7766]

Getting old is not a reason for poor health for most people. It is payback for your poor life style choices during your whole life. If payment concessions go to supporting the continuation of these known poor life style choices, all of us will continue to pay for the irresponsibility of these people. Where are the benefits fir those who work hard to stay healthy?

[@pollya6412]

I’m done. I’ll pull my own tooth. Drs. and insurances are ridiculous.

[@elizabethm4618]

Just chew on jawbreakers. 😂

[@daylejones1817]

Went to dentist just yesterday. To pull one tooth and put in bridge...$4000!!!!!

[@caffrey1100]

@@daylejones1817nobody covers just dental if they do it’s just minimum high monthly fee for a 1 yr cleaning , X rays - few things not worth it -

[@elizabethm4618]

@@daylejones1817 My insurance will pay for you to pull all the teeth you want for free. But they won't pay for anything to replace them. 😬

[@elizabethm4618]

@@caffrey1100 I have a dental plan. When I signed up, I got a $5000 annual plan for $32 a month to supplement my advantage plan that didn't cover tier 3 work. Ever thing we submitted to them, they denied coverage. Even the thing they did cover, I had a 40% copay. This year, the plan I was on went bye-bye and a renewal was a plan with only $3000 coverage. If they deny me this year like the year and a half I paid for the other plan, I'll just put my monthly $32 in a jar and pay myself when I need the work done.

[@candihoey3916]

It's not just the $174 for Part B, then around $200+ for the supplement then you also need a drug plan plus dental, vision, hearing coverage. Pretty soon the average SS check is gone.

[@commonsense6967]

Just wait...if all MA plans are eliminated, guaranteed issue will raise Medigap rates for EVERYONE even higher!😮

[@DavidLocke-s4r]

Woose those costs are taken out of your social security based income. They take the money off the top. The next thing you know, you can scrape by.

[@DavidLocke-s4r]

You can waive part B. They fine you in subsequent years.

[@spep4114]

Medicare doesn't cover anything U have to have a suppential insurance

[@AnyRain-l8h]

I pay my own way and save a lot of money.

[@janwilliams3545]

They take our money ALL our lives, then take all our money AGAIN when we’re to old to work anymore😭😡

[@TheresaJordan-ds1ig]

Amen !!! Take and give very little in return !!!

[@MarthaOprisko]

Frankly, politicians only want your vote & they could care less if you live or die. Ours is not a society that "sees" any worth in the elderly.

[@Diane-xz3vg]

We are the controllers slaves

[@cocabevzan2320]

Absolutely, they make Medicare global , Dems will destroy ppl and Country, they want to control everything that is Communist/Socialism this is Kamala , not so many Doctors will accept this Medicare than you are forced to pay your self everyone will become very poor 3 World countries, unbelievable what happened with America!😢

[@corinnekaspick3603]

I was fine until cost of everything went up and i fell got hurt and medical insurance and costs took most of my "savings" thank you for trying to help us poor ignorant ( not stupid) people

[@ninaof8433]

Thank President Biden, and don't vote for Kamala, she has even worse plans 😢

[@rsmith2217]

So sad when we retire and can’t afford to live on social security. They give us a raise then the price of living, insurance goes up. Then we’re left with more money coming out of our checks little to live on.. where was the raise.. 🤷🏽‍♀️🤷🏽‍♀️

[@MarthaOprisko]

I don't know where people got the idea that Social Security was meant to be the sole means of income when someone retired; but, somewhere along the line it begin to be seen that way. I only have my Social Security because I spent nearly 12 years taking care of my mother, my mother's business & her property. That was when a family member could not be paid for providing these services. Our society doesn't want us "old people" & tend to view us as parasites. Too bad our representatives are allowed to vote on their pay raises & health insurance coverage. A blatant conflict of interest.

[@lucystinson9000]

But the illegals are living great off tax payers. Think on that when you vote.

[@marieboyd521]

Get rid of all illegals and give take care of our seniors and veterans.Why are illegals are taker care off than us citizens like veterans and seniors.Then government complain about having no money sad.

[@imasahm]

@@MarthaOprisko - Along the way, things got more and more expensive and kids' college tuition skyrocketed and the parents just never got the chance to save up - not if they wanted to achieve the American dream of home ownership. Home insurance in Texas now is over $5,000/yr. Add to that American dream the homeowner property taxes, which for us is over $8,500 - for a simple 2500sf home on an acre. Things just happen and before you know it, retirement arrives and all you have is your Social Security. Like you, I took care of my mother for her last 15 years, while still trying to raise our own family.

[@samstewart9249]

Still trickling down I guess!

[@almoemason]

$2000 CAP WOW That's incredible! It might as well be $2 million for most of the seniors on medicare and social security.

[@mbcrandell7766]

When I was at retirement age, a very nice agent reached out to me and she is amazing. She helped avoid an advantage plan. Every year we touch base so I can get what I need and she always has the answers to my questions.

[@maryshkamiceli8388]

Does your agent work with enrollees nationwide?

[@traciewebster4175]

Will let others know who she is?

[@sherylallen2962]

Wow you were so lucky I talked to an agent actually 4 different agents and asked specifically about the original Medicare and they flat out said oh no you need the Medicare advantage even when I said no I want regular unbelievable!! I am still fighting and trying to get back to original!! So NOT AT ALL HELPFUL!! The agents are awful!!!

[@imasahm]

@@sherylallen2962 - And these are apparently the exact agents that the Supreme Court (assuming Texas Supreme Court?) cracked down on - good thing to come out of Texas! My sister retired before me and went for the Advantage plan and hates it - I think she's still stuck with it. Government pushes the Advantage plan.

[@angelhnds8013]

I’m new to your channel. I want to thank you for taking the time providing the information you do.

[@kennyh5083]

Get with a broker you know and trust? Really? And who might that be?

[@elizabethm4618]

and each one will tell you the bad about the one you had before....

[@commonsense6967]

@@elizabethm4618And they ALL lie, to one degree or another.

[@mbcrandell7766]

That would be the wealthy who can afford a broker😂😂😂 My husband’s cancer ate our retirement/savings and to make it worse he had an advantage plan. I have 2 more payments and it will all be paid off. If I can’t afford my eye treatments I will lose my eyesight( one is already toast). I am also deaf in both ears. A friend gave me a hearing aid and I still work part time. May have to get a second job. We are certainly well cared for in America now aren’t we? Apparently the elderly committed the cardinal sin…we got old!

[@BrendaKleiber]

Why can’t the United States have FREE medical like Canada? Our inflation is already very high like theirs. The USA rules does not make sense.

[@TheresaJordan-ds1ig]

​@@mbcrandell7766 NOW YOU SPEAK THE TRUTH !!! I AM SO SICK OF THE LIES PRETENDING IT'S PEOPLE'S FAULT BECAUSE THEY BREATH IN AMERICA !!! " SINCE A LOT OF CORPORATIONS CAN GET MORE MONEY OFF OF YOUR ILLNESSES AND YOUR NEED FOR TREATMENT !!! GOOD OLE CAPITALISM !!! THEY WILL NEVER BE RICH ENOUGH !!! ONLY A FOOL WOULD BLAME A PERSON WHO USE TO BE HEALTHY, BUT NOW HAS A LIVER , HEART , LUNG , BONE ECT... DISEASE , OR DISORDER THROUGH NO FAULT OF THEIR OWN !!!

[@morganstewart-kp2dy]

My daughter was approached by her doctor and asked her for 1300 dollars and her insurance so she can get direct access immediately! Ridiculous

[@MarthaOprisko]

That doesn't seem "kosher" unless her doctor is a Concierge MD.

[@madusonkeeper]

Does not sound legal, is it for a cosmetic type procedure or simular? Id get a 2nd opinion elsewhere.

[@owlsahootn]

Drs have been doing that to be able to afford to take a certain # of Medicare patients. (They reimburse so little.)

[@BrendaHeld]

I had the same issues with dentist's nobody's taking these insurance companies plans!

[@masterlee4370]

I remember someone phoned in to Dave Ramsey and asked him if he could help them on the best time to take Social Security. Dave responded "Sure I can do that" Just tell me when you are going to die. Really put it all in perspective. Great Video! Lots of great questions answered.

[@elizabethm4618]

Why doesn't "the" or "any" Presidential candidates that want to stop taxing Social Security finally wake up and replace those taxes by taxing WELFARE? Social Security recipients worked for theirs. Welfare recipients don't. Just saying....

[@lisaquigley-moon9583]

Hahahahaha good luck with that

[@samarittan9308]

Welfare checks aren't enough to pay the rent and feed you. It's like $800 a month. It's given to the most disadvantaged among us. We are an incredibly wealthy country. We could certainly afford not to see our fellow citizens literally starving on the streets like you will see in countries like India. Have mercy on others.

[@elizabethm4618]

@@samarittan9308 what do you think most disabled people live on that worked their whole lives? Since we're such a rich country why aren't we taking care of the people that PAID INTO the system for 40 plus years? And actually, your statement is not completely true. I know a LOT of Welfare recipients that live on a LOT more money than I ever made working a good job.

[@jacquelineadams4872]

Tax the rich more. The CEOs in this country make 250 times the regular worker does.

[@samarittan9308]

@@elizabethm4618 The best way to fund the government is by increasing taxes on the extremely rich who pay a tax rate of 0% to 8%! While the rest of us on average pay 22%! Increasing their tax rate would still leave them with an unimaginable amount of wealth yachts multiple homes private jets etc while bringing in billions of dollars in tax revenue.

[@dem7615]

One hospital in rural America said they had to sign 80 separate plans to treat advantage plan patients..and then the insurance companies don't pay their bills on time bankrupting hospitals. I worked in insurance. I saw the evils.

[@elizabethm4618]

Lots of hospitals are dropping Advantage plans. I think they should be penalized for putting patients in danger. The fight should be between insurance and hospitals without punishing the patients that have no control over it.

[@paulwong9819]

I read the report of bills paid by the advantage health plan on my behalf to the providers are so low I wonder how they can afford paying their staffs. My doctor is not seeing patients, he supervises 2 to 3 PA. In his office. I try to keep myself healthy and avoid going to see doctors.

[@ninaof8433]

​They hid it in Inflation Reduction bill, that Biden/ Harris put through!!!

[@BellaDonna.58]

I worked in the hospital trying to get the insurance companies to pay. It was a dirty business. Benefits denied on technicalities as a test. Hated seeing that side of health care.

[@Jabbernack]

@@dem7615 They’re called “Advantage Plans”, because they take advantage of you. The plan of “no.”

[@susananderson9619]

Yes,I turned 65 in early January and was bombarded with part B plans. So I paid 174.00 peronth until May when I finally realized I don't need part B. I'm employed and pay 128.00 per month for group health insurance. That's 700.00 I lost for nothing I rarely get I'll. Only have 2 Rxs.

[@cherylrichards8951]

Your HR department should have told you. My husband's HR told me to mark the Social Security post card for Part A only when I qualified as I was covered under his health plan. Check to see if you can deduct the money you paid under Part B on your federal taxes next year.

[@MarthaOprisko]

unfortunately, you "didn't do your homework" before jumping in & paying for coverage you didn't yet need. Our society is one where Caveat Emptor - Buyer Beware - is the rule. There are places to get help in understanding your options. PLUS, when you do need to sign up for prescription coverage, BE FOREWARNED, people are often initially denied because their employment prescription plan does not meet the standard & you were therefore not in compliance. THAT IS BULL! Appeal such a decision & go get help.

[@susananderson9619]

@@MarthaOprisko were you bombarded with snail mail ,email and cell calls about part B's for a couple months before you're 65 birthday. While also ,living in your vehicle ,learning how to use a company that destroyed my other ,already paid off car, plus my work was taking 1/4 of my monthly pay. . scrapping pennies to get by in my new used gotta pay out 1/2 of my monthly pay to pay for it. Stress was at a major premium for me for most of this year .

[@lisabeam8315]

Prayers for you🙏🏻

[@jerryhanley2398]

Dr. Weir, maybe I misheard you, but I believe you misspoke. Cutting taxes on Social Security will not affect how much money goes into Social Security. FICA taxes will remain the same. When I filed my tax return, my social security, which was already taxed in the beginning, was taxed again depending on how much other income I have as a retired person. President trump and apparently now Vice President Harris are both suggesting that Social Security benefits should not be taxed again. What will happen if Social Security benefits are not taxed is obvious, less revenue for Uncle Sam. Not to worry, our lawmakers will take care of that, raise taxes elsewhere, and probably even more to cover the "shortfall " To my way of thinking, it's an issue of fairness. We've already paid Social Security through the fica taxes that came out of our paycheck. SS benefits should not be taxed again!

[@cocabevzan2320]

In Socialist Canada Medicare for all ; if you need the doctor specialist you need to wait 3-6 months I don’t think that is good idea ppl died by then, that my friend told me from Canada !

[@flychomperfly]

​You know that is totally wrong. 😮 Canada healthcare is based on need... so, if it's an emergency, patients are seen immediately! If it's non-emergency, then yes, there's a wait. But, if you want to spend the money (very few do), you can pay to get it done right away with a private doctor.

[@cocabevzan2320]

@@flychomperfly ok, I don’t know, what I heard from this lady living in Canada, I’m not sure how much Canadian people paying taxes, I heard about 65% of their income, for universal healthcare all ppl are covered even people not working! I think that’s not fair, but this is in Socialist-Communist Countries! The service is not on the level we have here!🙏 If in Canada are private health clinics I think are expensive, not everyone can afford!

[@maggiemay97]

@@jerryhanley2398 I thought the same thing. He doesn’t seem to understand that it’s the income taxes we pay on Social Security that would be done away with, but the payroll tax for Social Security that we pay when we’re working.

[@donnahinton4297]

@@cocabevzan2320

[@phillipstephens4522]

I am 73 and diabetic and have Humana Advantage. Recently my doctor phoned in a prescription for Lantis (sp?). Humana pays approximately $20 and I pay $93. Humana refused to allow the pharmacy to fill the prescription because it was "too soon." I figured if I paid the full amount and didn't use Humana at all (only a $20 difference) that would solve the problem but Humana still would not let the pharmacy fill the prescription. Why does Humana have any right to refuse if I bypass them and pay the full amount?

[@kknight8112]

It’s probably because you are trying to get the script before it’s time. Doesn’t matter who pharmacies will not renew early. I lost a script via the mail and they made me get a whole new script. You know they are so worried we are misusing drugs.

[@phillipstephens4522]

@@kknight8112 I had gone to my Mother's funeral in a distant town and stored my insulin in her refrigerator. When I got home I realized I had forgotten the medicine which is why my doctor gave me a new prescription. The problem was not with the pharmacy which was willing to fill the prescription. The problem was the insurance company who made the refusal. My point is that if I pay the full amount out if pocket and not involving them in any way, why do they still have the right to refuse authorization? The way I see that situation is that it would only be between the doctor, the pharmacy and myself. Humana should have no say in the matter if I am not using them.

[@californiadreamer5968]

@@phillipstephens4522maybe, try a different pharmacy

[@kknight8112]

@@phillipstephens4522 did your doctor write the new script and Humana refused or did you have the Dr write after Humana refused? In my case the pharmacy told me I would need a new script to cancel out the old to get the meds, this was the VA.

[@mikebuehler6248]

The problem is with the pharmacy because if you want to pay cash then the prescription is not filed with Humana. Chances are the "cash price" is higher than $113. Been a pharmacist since 1979, never refused to fill a script for lost or missing insulin when the Doctor has authorized it. Cash is cash it doesn't get billed to the insurance so they cannot reject (refuse) a claim that is not submitted.

[@GinaMariaOpalescent]

When they tell me X, I say, "Oh, I see. Could you please put that in writing?" Then you have a record of exactly what they have told you.

[@maggiemay97]

I turn 73 this month and my Plan G supplement has gone up to $330 per month (from $ 279), Last year's increase was very high also. It is getting insane. My total Medicare bill for Parts A, B, D and Suppiement G is over $500 per month. I'm worried about what they will raise the Part B premium will increase to in January 2025!

[@MyGovExpert]

Email me, and I can have one of my Medicare insurance brokers give you a call and go over all your options. [e-mail]

[@user-TM59]

Wow! That's not including a dental plan and vision plan !? 2025 part B is going to be 185.00 a month.

[@carrieerickson6659]

I personally love my medicare advantage plan and dislike the benefit confusion and additional expense of supplemental plans. But im very healthy.

[@betqpublic9901]

It's great till you get sick Remember it's for profit Follows the same rules Pre auths Deny deny deny Blame the coder Get it?

[@MarthaOprisko]

You are extremely fortunate. A Medicare Advantage Plan is the economical way to go as long as you don't one day find yourself in bad health. There are some individuals & I have known some who never have health issues until one day they suddenly die.

[@JanetSeemann]

I am glad that you are healthy, but when (and if) you get sick, you're screwed. My sister had a stroke and can't find a doctor or hospital that will treat her. She's in an assisted living facility and paying over $6200 a month. She even has to buy her own tp and diapers. Her next move will be a Medicade nursing home. Lord help you.

[@JanetSeemann]

Oh, I forgot to mention the exorbinant medical bills. She is paralyzed on her left side and relying on family to help. The staff where she is keeps quitting too. This happened to her on November 19th, and she has already spent $8500. Advantage doesn't sound too good to me.

[@JanetSeemann]

Oops, $85,000

[@cherylslovakehrmantraut1911]

Are those of us grandfathered into plan F going to see huge changes

[@lucysanabria5741]

Why should people that never work here and gets SSI and food stamps. I work all my live and get nothing. Its crazy they go to doctor and pay nothing .I pay copay and copay for my medication 💊 I sometimes cannot even afford my medications. I have diabetes and high blood pressure and other issues in my health get nothing I also pay my 177.00 every month and gets nothing. Its crazy now everything go up prices and the insurance and medications gones up what do you do not eat or dont pay bills. Its crazy now how we live now a days senior can't live any more we thought that went you retired things will be better now a days we get nothing. I think insurance companies are fraud! Every year they go up but I check doesn't! Wow. Thank you for your information.

[@ErrantJane]

This is what happens when the govt forces everyone to have insurance, anything really. It makes the ‘Money’ people ever richer. Your choice/freedom was removed. They get to steal from you and there is Jack you can do about it

[@megpie9971]

It's your Biden and Harris administration! Vot for them is your vote for your grave! Their liars!

[@indirachandra4329]

I'm with you 200% I'm in the same boat. This is ridiculous I can't retire in this kind of situation until I die. More than insurance I blame Government administration. A lot of young people have kids they don't work in this administration some people get a free ride...Everything thing going wrong🙄

[@VP48]

Yes, I can't believe that the FRIGGIN government gives money to people that have never worked a day in UNITED STATES OF AMERICA🥵😡😤💀☠️🤡💩👺

[@lindaevans8446]

Right on!!!

[@gnomon1957]

I think $99 is a good deal to talk to someone with your knowledge and experience.

[@debrabremmer9541]

Thank you for your information

[@josephinelooman5878]

I have United Healthcare advantage

[@BrendaHeld]

Me,too!

[@MarthaOprisko]

Right off the bat, I signed up for Traditional Medicare & Plan F - Thank God! The only problem is that the increase in the monthly premiums has risen so much. I will continue for as long as I can afford to pay it because there was no way I could pay the 20% considering how many medical tests, speciality MDs, operations, OT/PT I needed, etc.

[@rosenealon8480]

If you can qualify for a Plan G or N the savings in premium will more than pay for the Part B deductible. Check with an agent. The rates in these two plans will be much more stable because they have more younger and healthy members.

[@jerisharpe906]

I worked in a Dr's office, you couldn't give me a Medicare Advantage Plan. If I need tests done, I don't want someone telling me they won't approve it, or tell me I'm out of network.

[@barniaburton1205]

I have regular Medicare and Medicare D I pat 333.00 for my supplement and $59 for Medicare D over $200 and I live mainly on security .But even with that I would never take the medicare advantage

[@sheryllegg845]

@@barniaburton1205does that include the $174.50 for B?

[@barniaburton1205]

@@sheryllegg845 I pay that plus I pay 333.00 for my supplement and 56.90 for the Medicare part D and another 202.00 for drugs .

[@user-TM59]

Welp let's see here, Having part A and B need stand alone plans,,, part B 175.00, drug plan 50.00, vision 15.00, dental plan 50.00, supplemental plan (gap), 150.00,,, total $ 440.00 monthly, could be higher, some people can't afford that a month , plus rates increase yrly😢.

[@cocabevzan2320]

We pay all this years in SS this are our money why they try to take away our money?

[@x.y.7385]

To the person who asked about changing supplements, if you live in certain states you can change without underwriting. I live in CT i can change once a month without underwriting

[@marieperez3796]

I had a knee surgery, lot of pain , stress. Blood pressure was good until the incident cause it went up . Now my doctor refuse to refer me to an orthopedic or a doctor that deals with after a knee surgery . I did go for physical therapy until my insurance no longer covered . The problem is with that referral system and my doctor not complying for me to see and orthopedic I feel stuck . I’ll be 64 in October.

[@annedodge3636]

So, I have keystone 65 hmo with 8000 deductible. I was widowed young so had aca prior. When I got eligible a t 62, started his Ss and Medicare. It was no prob...now I have been diagnosed with parkinsons. I'm told I can't get just Medicare. I thought prior condition wasn't an issue. I made contact with someone like you for October. I want Medicare without 8000 deductible!

[@lambjab9832]

Whatever it's a joke as it is now. You go to the doctor, they sometimes go through the motions, take a little blood, listen to your heart, but help you? Naw. Fix a tooth...naw.

[@elizabethm4618]

Totally agree! My doctor sits across the room and looks at a computer! Not ONE single examination has ever been done in 3 years! I go for blood work. Do the usual colon lab thingie in a tube every year or so, get an xray or other scans occasionally....Not one check for skin cancer, throat issues, pupils, check on breathing, heartbeat....nothing. They used to put you on the table. Feel for lumps, pain, abnormalities. Now, nothing. See you next time!

[@commonsense6967]

@@elizabethm4618Well, usually my PCP does all that, or most of them. But I have an HMO MA plan.

[@teribunker5223]

If I suspect ANYTHING, i ask my primary to refer me; podiatrist, gastroenterologist, cardiologist,etc. It’s the only way I feel I get thorough exams.

[@joseph23029]

Get a PPO.you don't need a referral

[@teribunker5223]

@@joseph23029 i have BCBS Advantage. It’s been great so far..

[@harryhightower]

In my state there is a new law I can change my sup plan every year to a lower priced one after my BD for 30 days and I don't need to under write it , it started this year in Maryland .

[@judyjudyjudy1841]

Now I know why "they" are going way back to last quarter of 2023 & charging money for bills from the emergency room, doctor & other expenses. Unexpectedly I am receiving charges to the tune of around $ 1,000.. total for last year! I can tell you right now that I won't be going to the Dr. twice a year. The Dr. spends all of 10 minutes in the room with me, a lot of the time not even listening to my heart & charge $ 150. & up, per visit. The only meds I take are the ones I have to take to keep me living. Also, nurses (some) are NOT kind like they used to be. I had a massive heart attack & I ended up walking out of the hospital & going home because of their treatment! I have always been treated so well by the hospital staff & now many of them are awful, not kind!!!!!!! Times are changing!

[@josephinelooman5878]

Yeah these doctors don't seem to care anymore except about money you are so correct some of these nurses are the rudest and lots of them are totally ignorant

[@josephinelooman5878]

You can tell lots of them barely passed their test to even be a doctor or a nurse

[@marylee8384]

Thanks to illegals

[@msd3230]

Part D plans how long do you have to sign up and what is process

[@dinahsoar6982]

You have to sign when you go on Medicare...if you don't there is a small penalty every month you delay..it's not as high as signing up late for Medicare (which is 10% a year for every year you delay and never goes away). You will pay the drug late sign up penalty going forward. Go to Medicare.gov and all the info you need for part D will be there.

[@sharont3406]

Senior Savings Network-Christopher Westfall is on KZbin. No cost to us for their services. They're in Charleston, SC but can help in almost every state.

[@madusonkeeper]

Some part D's are very cheap call medicare.

[@SuperRoamer]

If you're about to turn 65, still working and plan to till 66 & 9 months... when should you sign up for Medicare?

[@user-TM59]

At 65 on up you must have workplace health insurance to avoid penalties,,, also 3 mos before you retire or 3 months after you retire to avoid late sign up penalty. Also Part A and B doesn't carry dental plan, drug plan , vision plan you would have to purchase stand alone plans pay a monthly premium on each one. Check out Medicare brokers video's it explains everything about how Medicare insurance and advantage plans insurance works I learned alot. Highly recommend to look at video's. Very important. Medicare school by Marvin you tube is very informative.👍🏾💯

[@DouglasKGreer]

Dr. I just applied But won't start till 2nd week in October I'm 62 and only receiving 898 a month. Am i eligible for anything? Need help on this.

[@maggiemay97]

@@DouglasKGreer I’m no expert but based on the experience my best friend had, she got Medicare/Medicaid because her SS payments were very low. It was a good deal. She even got transportation to medical appointments! If you can get Medicaid and what the benefits are probably vary depending on which state you live in. My friend was in Texas at the time.

[@jupiterglow]

@Dr. Ed, the increases for 2025 were from Emblem in NY. I checked other companies and couldn't find any info on increases yet.

[@bonniewalker6340]

All I know is I have been paying for MedicarePremier Plan. I am 80 and on Medicare for 15 years.

[@tbrewer99]

Are there any states that DO NOT count assets & only count income when calculating Medicare Savings Programs?

[@ShawnRogersthomas]

Ed what should we compare our current plan for?

[@deborahcaldwell9775]

Do you suppose that I could lose my Hospice benefit, which is actively supporting me in my cancer stabilization effort. I do not use hospitals and their doctors Hospice provides me with healing packs for a wound and it keeps me on the road. It has been almost 2 years. …

[@commonsense6967]

Hospice care actually falls under Medicare , not ever under MA plans. Very doubtful Medicare woud change it.

[@marileemaraugha6864]

Our Governor in Tennessee cut our Tenncare away..My Great Insurance I had since 2010 dropped me because the Tenncare was gone..I'm disabled & 70 years old I was assigned new Insurance with BlueCross BlueShield..Now I'm having to pay out of my shallow pockets on everything..I had United Healthcare Duel Complete before.. I'm A Widow & live off my SSI... I was cut from food stamps!? I'm setup to receive Spinal cord stimulation Inplant very soon.. United Healthcare Duel Complete had Fully Approved my surgery for this..Now I don't know if BlueCross BlueShield is going to Approve this...I've waited for 4 years now since my Spine Caloplapsed and vertebrates crumbling & laying on my Siatic Nerve..OUCH‼️ I need help...

[@maurarieland2853]

I had a stimulator, couldn’t stand it . Did effectively address my pain. I pray you are blessed with it working for you.

[@marlinpruett8343]

You know I don't understand I have been to many countries you got Russia you got Panama you got Nicaragua you got to just country at the country in all their medical is free doesn't cost nothing in Russia the doctor even comes to your house, for my implants I had to go out of the country to get them at a decent price I went to Turkey and got up a third of what they cost and the United States Yes that's 1/3 I paid $20,000 they won $90,000 for them here in US that's pool implant Columbia has free medical it's really not free but it's so dang cheap you know if you have a baby you're only talking about 50 bucks They don't and they will not use no insurance in Columbia They don't want to have to be paying out extra for insurance

[@Pallasathena-hv4kp]

I think I’ll stick with dentures! If it was good for great grandpa it’s good enough for me!

[@lindahowell1415]

Greed is worse here. And many citizens take issue with helping those in need. It is pitiful.

[@sheegoess8042]

I’m getting tormented by people wanting to “talk to me “about Medicare. Is this legal?

[@candace8527]

Too many scammers out there dont give out any info. My brother got a back brace sent and they billed medicare 1200 he reported them. Got a call for genetic testing and said the Doctor ordered it. Did it sent it back they said he had arthritis. The Doctor never ordered it. Called medicare that lady wouldn't challenge the charges. Doctor never ordered, lots of scams don't give out you info . Remember anyone can call you to get your info.

[@Mn54bu]

Great video 👍 We appreciate you!

[@pamelahill5441]

My husband passed away this year in July. Should i apply for state aid instead of Medicare again?

[@robinkuykendall-adams6650]

I'm with an attorney filing for disability. I've been deemed 'severely' medically disabled but was denied in the past because I had to take early SS because of my disabilities. How does disability factor in with Medicare?

[@d2670]

They usually make you wait 2 years. They count. The time you applied to the time you are approved.

[@pamela5568]

I have Medicare Part A/B and I kept my private insurance after retirement. Costs me about $4K in total every year, but so far I've paid nothing since I got Medicare other than pharmacy copays. No advantage plan here. Our entire medical system needs to be re-built from the ground up, and that has to include insurance and CDC. Big Pharma needs to be taken over by governments - yes, I know, I know. Our CDC gets paid off by Big Pharma now - think about that.

[@Oldschoolrules123]

People need to stop eating garbage and get into shape.That alone would drop the cost of healthcare. Along with stopping free healthcare for every person crossing our borders illegally.

[@Jabbernack]

Big pharma Is under the government’s thumb. There exists an invisible incestuous relationship among them. The government is their largest client! The government decides which products go to market and which fail after millions of dollars invested in R&D. The government monitors their production and marketing activities. The Government tells them how much they will pay for their meds. So, yeah, the government is already running BIGpharma.

[@commonsense6967]

We do not need a CDC, just like we do not need Dept. of Ed, Homeland Security, and many more taxpayer-funded wastes of our $$$.

[@FBone-pj7ov]

Pay nothing you call paying 4K a year?

[@pamela5568]

@@FBone-pj7ov Well, it's true what you say. But, I chose to have Medicare Part B and keep my private insurance. I had hip replacement surgery last year and paid $0 out of pocket though. If you have health insurance you're likely paying for it.

[@betqpublic9901]

They also count on elderly people not having the means or energy to fight them

[@kathleenkemp1669]

This country is capitalist. The system allows for any company to make a profit. That’s the root of the problem. There’s no solution other than moving to another country where senior citizens are respected and taken care of well!

[@Pallasathena-hv4kp]

I’ll be headed to Oregon when things get “bad,” at the end.

[@madusonkeeper]

So glad I can also use VA!

[@marylee8384]

CHeck out, veteran. Biker. .you might not get money this month. Thanks to Biden/ hRris

[@x.y.7385]

I just started medicare 9/1/24. I opted for a high deductible G for 55 per month instead of N for 170 or G for 260. Right now i can handle the 2800 deductible if it came to that. I can always change if needed

[@louisejohnson5102]

This is the first time I have watched one of your videos. Thank you for the plethora of information you shared. I've subscribed and will definitely be listening to additional videos.

[@commonsense6967]

My HMO MA is a non-profit. Works almost everywhere in 7 counties. But if they do quit offering MA plans, guaranteed issue willrun up rates for ALL Medigap policies for EVERYONE even more!😮Apparently, health insurers are working hard to put themselves out of business.

[@MyGovExpert]

Or maximize quarterly profits...and then golden parachutes...

[@peggiunderwood9519]

Thank you,

[@deborahmoleski1537]

I will rephrase my question. If I went through cancer treatment this year, am I able or is it advisable to look for a new plan?

[@emacedo3708]

I do not understand how I can get a 5 ml bottle of prescription anti allergy eye drops in India for 188 rupees ( less than 3 USD) and the same medication will likely cost 50 USD. Some of us are fortunate to be able to stock up during our annual visits.

[@yvonnepopovich8473]

Will there be changes to the "duel complete" plan? I am a widow.

[@pollynye477]

Am I obligated to ay part b if I have insurance thru my husband?

[@juneduran7015]

Hi Ed, June here from Chicago. Can you tell me which insurance companies are easier to pass the underwriting questions.

[@bjhy2316]

what is the difference Advantage or supplement plans

[@madusonkeeper]

Supplement you keep original medicare, can use your own doctors. Advantage is an independent insurance you lose original medicare as you switch and also those benefits.

[@nanascandoit7074]

I paid for Medicare during my lifetime of working - not a welfare plan

[@jamieholdahl4413]

I need someone like you to help me with this stuff I don't understand most of this stuff.

[@MyGovExpert]

My Medicare insurance broker team can help. 100% free to you. Just give them a call at 888-817-0446 Press 1.

[@MarthaOprisko]

There is help out there. Go to your public library & ask for a list of people/organizations/churches/etc. that offer help in navigating the maze.

[@kellyjelly2465]

What does he think about HMO Kaiser that retired State workers have?

[@threadingexperts9673]

No work my age is 61 please help me out I need to get a new dentist program thanks

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@noelamendoza6620]

They're making this insurance so complicated.

[@thomasrobinson182]

I wish there was a simple way to check formularies from different part D providers.

[@harrietpulliam1339]

I have a question regarding SS benefit amount. I took my benefits at age 62 and am now 77. The past 2 1/2- 3 years I worked, had SS deducted from a 48K + salary. I have not had an increase in benefits. Should I have gotten an increase?

[@juneallen4926]

Question i've been on eatna medicare premier plan and i want to switch back to reg. Medicare whats the time i can switch back

[@justinawilliams3401]

Usually, when it's offered to change at the end of the year so it can start in January

[@daphneseamanmiller5732]

I will be 62in November this year. My husband is retired Military. He drew his SS at 70 yrs old. I’m tired and want to retire. Can I retire? My current benefit is under $1,400 monthly. What do you suggest?

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert

[@charlottecampbell8183]

A friend of mine was switched from SSI, NOT SSDI, to SSA Retirement when she turned 70. So is she getting paid from the social security retirement fund or from the ssi fund?

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@dankeil4470]

I am 70, my wife is 69. I have no income I am retired

[@healthadvicewithmary5598]

Can a company charge more on how you answer the underwriting questions for a supplement.

[@scmobileman]

Unfortunately I didn't look as closely as I should have and just as stated in this video, I ended up being rolled into a not so go for me plan. I've already been told that. The agent seemed to go silent when I was discussing my current plan. I'll be consulting him this coming year.

[@elizabethm4618]

I had a broker tell me my last broker lied and I was eligible for a dual plan. I get share of cost Medicaid...not the same as regular Medicaid, so I'm not actually "on" Medicaid because I make a couple hundred too much. My share of cost is nearly as much as my SS check. Worthless unless you have surgery or some serious something happens to you, but it's always nice to have that in the background just in case. That said, the new dual plan wasn't a "give back" plan and she didn't bother to tell me. My next SSDI check was $525 short becasue they took back payments on the Medicare Part B cost and I didn't know until it hit me! "THE" SS letter didn't come until after they took that money and I called to find out what happened!! I hope nobody else gets that done to them. And then the denials started because I wasn't actually "eligible" for the dual plan...so my finances and insurance have been messed up big time this year, and I will be dropped from the insurance plan before the end of the year. 🤦🏻‍♀

[@marylee8384]

Fond another agent😊

[@SusanDixon-k7j]

So if I have regular Medicare I’m going to be covered still?

[@berthageorge2627]

👍 Best speech ever ,I have "EVER" heard. 🤔It's like pulling teeth getting any information [ years] I had to go into social Sercuity offices ,never understand anything [cause they really did not answer a question. 🤔The booklets are written by someone who knew how to [ talk loud and say nothing,] really ! You answer'ed things I wonder about [ simple question's ] never answered for sometime. ☺️ Very happy after hearing this because I was right the top guys in the insurance have a plain [ we pray they have one we wont be be lift out in the cold] for us when we need it [ but don't wont to be a weekly or monthly genny pig for that plan....]😅

[@roseh143]

Don't be scared.... Be prepared.... Armour up with God's Word the Bible! ❤️ 0xxx)::::::::::::::::::::>

[@DQ_Mine]

God will surely pay all your medical bills, and no Bible readers ever get sick.

[@curlyb4c95]

Don’t be an 🫏

[@nalou6933]

Not being a donkey. Being truthful.

[@marylee8384]

​. Bs imo

[@MikeSellersGA]

How do the people who say they can’t afford a Medigap premium afford the co-pays/higher deductibles/out-of-pocket of an Advantage plan?

[@MyGovExpert]

They get what they can afford and hope they don't get sick.

[@g0989]

If they went with just original Medicare alone, they would have the $175 monthly Part B premium, and 20% Part B copays (after reaching the small Part B deductible, and a Part A Hospital admission deductible of $1632. And no prescription drug benefit. A Plan G Supplement and Part D rug plan will typically run about $2000-$3000 per year in premiums, regardless of usage, and would just have to pay on top of that the modest Part B deductible every year, plus any Part D copays. Most Advantage plans are zero premium, and zero deductible, but you still have to pay the Part B premium, and you have copays for services (often a flat fee), with an annual cap on out-of-pocket copay costs. Enrollees are figuring their copays won't amount to that $2000-$3000 they would pay every year in premiums if they had a Supplement and separate Part D drug plan, but they would still not have the cost exposure they would have with just Medicare alone. This issue with Medicare Advantage isn't getting "sick", as much as it would be if one has or develops a serious chronic condition that would require ongoing costly treatment.

[@BrigetteFranklin]

Dr Ed, how do we request one of your brokers takes a look at May and my boyfriends Medicare/ Medicaid plans?

[@MyGovExpert]

Hello, just email me and include your name, state, and what you need help with. [e-mail]

[@DavidLocke-s4r]

I reached my FRA. I lost my disability. But, I retired early, so my reduced retirement stayed the same. It never went to "full" retirement.

[@colleencarey9328]

Disabled widow. Just turned 63. I'm so afraid to make a call.😢

[@colleencarey9328]

About to fall in the Donut. Ugh

[@sequoiap1183]

Can I receive VA benefits along with Medicare. I was advised by a VA rep that two government agencies cannot transfer money between them. I can receive from either or…

[@louoldschool7047]

I receive both, no problem

[@margaretmercado9659]

Is anthem blue cross a good medicare advantage plan?

[@jeannie5389]

I have Anthem Blue Cross Blue Shield Medicare Advantage with Aetna, no monthly cost & cheaper drug cost.

[@barbpower9222]

You get on Medicaid and Medicaid wants a chunk of your kid's heritance to pay them back. They will try to take your property And they're not nice about it

[@markmaynard6551]

How does area specific Medicare Advantage Insurance companies affect snowbirds that live in two geographically non-adjacent areas ?

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@lorisgobbo8907]

Can I collect on my x husband social security when he passes I already collected when I retired 4 years ago

[@jacque403]

you can either take his benefit or yours. Not both.

[@judyjudyjudy1841]

I think they need to check on these people that are on SSI! There are so many people drawing that should not be because Some doctors go ahead and allow people to draw SSI and don't need to be!

[@debdoerr4608]

@@judyjudyjudy1841 do you have any idea how hard it is to get approved for ssi and how long it takes.

[@sherindumond4290]

I have Medicare part a part b with a medical supplement part g

[@beanie3125]

Plus, this cap on drugs is going to cost American taxpayers over $7 Billions. Check out the Politico article dated 8/13/2024 entitled "Election Year Medicare Bailout"

[@williamkimzey8486]

You are the very best resource for me by far. Capitalist or not. High praises.

[@patriciahansel9486]

Whats the best states for preexisting conditions like cystic fibrosis

[@almafriesen-se5qn]

It is a mineral deficiency. Dr Joel Wallach found it. Check his book.

[@smallcoffee75]

I ask this question before. when moving from ssdi medicare if you paid a late enrollment penalty would that end when you turn 65 and hit the new open enrollment. You stated no it would not end. My sister just turned 65 and her new premium does not reflect the penalty. Shee has the paperwork and was told by SSA the penaltybended.

[@christinemorrison8414]

I used to get a grant from GSK to pay for my inhaler if I spent $600 on any prescriptions from January 1, 2024. Now GSK prescription manufacturer will be charging me $300 for my inhaler. Can they do that?

[@christinemorrison8414]

Why does Social Security take money out of my check for part B and for $186 a month for prescriptions ?

[@madusonkeeper]

Prescription are part D many are very cheap call to check

[@charlene714]

All I know is if you have a medically necessary procedure to be done,you won't get it.

[@user-di2on5gl2d]

I'm 63 and was put on Medicare because i become disabled. I hope this won't make my condition worse. ☹