🛑What you SHOULD know about Medigap High Deductible Plan G🛑

[@revbikerbigd8664]

Thanks Christopher for starting us on plan N when we turned 65 now 4 years later, still happy we did it 👍🏻🙏

[@ChristopherWestfall]

Thank you for allowing us to help!!

[@DaveLeoni]

property taxes and health care will bankrupt you if you live long enough.

[@elw6150]

It is appalling the medical system in this country! To put senior citizens through this is a disgrace! No other country that provides senior citizen care would allow a program such as this to exist. No wonder our senior citizens are so sick and stressed out. It would not be surprising if politicians are behind this disgrace!

[@charlesluck8921]

You're absolutely right, Chris. High Deductible Plan G (HDG) is a $2,800 max out of pocket (MOOP), but the reason I chose the HDG for both my wife and I, is because the difference in the premium between HDG and regular G is just short of $200/month. With the HDG, we save short of $2,400 each on the premiums. I would rather pay for the service, than for the premium. I'm relatively healthy, and my wife spends most of her medical expense on prescription drugs. But, I didn't give Plan N much attention, and if I wanted to switch plans at some point, would that be a problem? I find most people have trouble picking something off of a breakfast menu, when are they actually prepared to choose a plan that would effect them for the rest of their lives. And, I learned that health insurance costs more under Medicare than in any year when I was on Obamacare. Younger able bodied Americans are getting better subsidies than senior citizens.

[@ChristopherWestfall]

Why folks refuse to take free, professional advice just blows my mind. seniorsavingsnetwork.org/medicare-help/

[@tinkerbell9396]

I had Kaiser Insurance in California for DECADES. No testing, etc. Kaiser doctors would tell me oh it's stress. Your fine. I choose to go with the Senior Savings Network at 65 with a Plan N. A year after being on Medicare, I was diagnosed with Rheumatoid Arthritis. I was shocked but grateful I listened to Christopher before & thought ahead. In the long run, regardless of what my monthly payment is for Plan N and my deductible is by far cheaper. My monthly payment plus my deductible is $ 1,500.00 a year. That is it! God Bless

[@Rnjeepshoelver]

I am totally healthy , family members live lengthy lives, not on any meds , but my first year and I signed on for plan G for peace of mind … no advantage plans for me ever ,

[@Sealust50]

HANDS DOWWWWN, YOU ARE THE BEST THING SINCE SLICED BREAD about explaining the in's and out's of these supplement plans!!! You work very hard on what you do. YOU ARE A GEM!!! 🏆🏆🏆🏆🏆

[@robannmateja5000]

This is very helpful, thank you! But as you point out, it is really important to understand the rules in the state that you live in. In my state (Washington), we have guaranteed issue rights to switch Medigap plans at any time without underwriting or waiting periods, as long as you are already on a Medigap plan. (If you start with an Advantage plan, you may not get guaranteed issue rights in these circumstances). For those of us who have contributed to HSA plans and never touched them while employed, the High Deductible Plan G becomes very attractive. If the person's situation changes, they can switch to a Plan N or other Plan (with the exceptions of those plans, such as plan F, that are restricted to certain populations) without underwriting. Other states have different rules. I suggest people contact the SHIP (state health insurance assistance program) in the state that they live in to get specific information pertaining to their state.

[@ChristopherWestfall]

Yep. And I've covered WA specifically in subsequent videos. SHIP folks are nice, but are volunteers and not licensed agents.

[@barnabyjara4751]

I live in CT. I can switch from advantage to supplemental if I get sick, no underwrting needed.

[@howardfriedman7077]

You wouldn't go to an ambulatory surgery center for an MRI. You would go to a medical diagnostic imaging center.

[@SC-dr7gt]

High deductible G makes a ton of sense in NY, i have many clients on it.

[@Sealust50]

HANDS DOWWWWN!!!! YOU ARE THE ABSOLUTE BEST AT EXPLAINING IN LAY TERMS HOW THIS MEDICARE SUPPLEMENT PLAN SITUATION WORKS, INCLUDING ALL THE IN'S AND OUT'S OF IT!!!! YOU ARE A GEM!!! 🏆🏆🏆🏆🏆

[@constanceshowers7112]

I have plan G for two years no problem with it.

[@igotstoknow2]

I like HDG for the incentive to stay healthy to stay away from the medical industry. Hospitals and doctors are only as good as the least competent staff. I worked for a major hospital for 22 years before I retired. I wouldn't be as careful if on G or N to "get my money's worth". I save about $110 per month in my area.

[@ChristopherWestfall]

Good point

[@carlenekingery8860]

Thank you, thank you, THANK YOU!, Christopher Westfall! My husband is going to try to get off Medicare Advantage. We’ve both only been on Medicare for a year. Already, Advantage has been horrible!

[@sr2291]

Can you explain? Regular Medicare doesn't pay for vision or dental

[@ChristopherWestfall]

Please go here: seniorsavingsnetwork.org/advantage-to-supplement-help/

[@Zoe-ot5kp]

I got plan N with Noelle . Thank you Noelle

[@ChristopherWestfall]

Thank you for allowing us to help!!

[@cusebike5391]

Add Melanie to that list. Christopher also filled in one time. Highly recommended. @@ChristopherWestfall

[@Ron4885]

I have the same Plan *Zoe* and am VERY happy with it. 👍

[@bebopkirby]

Have watched so many of these type videos recently, they are helpful, it seems the ins and outs of the insurance game are endless and purposely meant to confuse. Many of the host seem to think that seniors are making decisions on a penny wise but pound foolish basis, but l think that while that might be true for some, the vast majority of seniors are simply looking at what they can afford. Nobody wants a plan where they can end up getting burned, but many just can’t shell out the cost of a Cadillac plan , particularly when the cost of the plan’s yearly rate increases out paces SS.

[@youdan5940]

Living in Florida the savings with the hdG versus the G plan will cover the $2800 deductible every 2 years, the savings is a little over $120 per month. If you are reasonably healthy I see no good reason to go with the G plan in Florida.

[@ChristopherWestfall]

Yes, you are exactly spot on! - CW

[@jamesr.9239]

Yep , you will be approved for underwriting but...I have type 2 diabetes well managed with diet and exercise and have never taken medications for it , and I did not get a supplement when I should have. As an example, AARP supplement plans will take me BUT for about %300 more premium per month. These are the consequences of delaying action on important things.

[@ChristopherWestfall]

You're with the wrong company. Sorry. We didn't do that.

[@betz6507]

I chose the high deductible G plan. Reasons: cut the monthly G plan payment way, way down. If I need anything substantial, I'll pay the high deductible. Thing is, in my area, the monthly plan cost + deductible is LESS than the "normal" plan G. So I get the coverage I need for anything serious, and at essentially a lesser cost.

[@craigmoesel4749]

I've been on United American HDF in Palm Beach County, Florida for 2 years now. A regular G plan starts at $256, plan F is $296. My HDF premium is $82 saving me $174 a month over a G plan or $2,088 a year. Plan N starts at $193 here. I didn't sign up for Medicare until age 71 as I had my employers plan. My medical expenses have been running about $600 to $800 a year so I haven't come close to the deductible. I do keep a substanial amount of cash on hand for anything that comes up. I'm wondering if it makes any sense to change to plan N.

[@lindachick8889]

Thanks so much Christopher. Great presentation. Hope to speak with your team soon.

[@tammysimons4916]

I will be starting on Medicare in December in NY. My current insurance will expire at that time. It is a PPO with a $750 INN deductible with a $4000 INN MOOP. Due to the cost of Plan G ($243.80) with D & N only being a few dollars cheaper I started looking at Advantage Plans but didn't want one so I checked out HDG which I can afford and got. My coverage will be similar to what I have now & I'll be able to stay on original Medicare like I wanted.

[@kathyann9643]

I think in NY and FL HDG is the best option.

[@ChristopherWestfall]

Get H-DG in NY. Change to G if you get sick. Open Enrollment all the time in NY.

[@gaetanomaximus8650]

So agents and brokers in their 60's are retiring? Damn... I'm 68 and thinking of starting!

[@Frostback-mw4xi]

I presume those premiums are Attained Age, not Issue Age, to be that low. In Florida, we are almost entirely Issue Age. Premiums for age 65 non-smoking female in 32246 are around $195 for name brand G, $51 for HDG, and $150 for N (all Issue Age Pricing) , so the annual premium differential from N to HDG is about $1200, just under half the deductible. For myself as a 68 year old male, the premium differential is even higher. Am I going to max out my HD OOP in 8 of the next 16 years? Possible, but I'm in a position to retain that risk.

[@JeanPierreWhite]

Thanks for explaining HOW the High Deductible deductible changes each year. If it's indexed then you can guarantee it will go up every single year. I don't recall a year with 0% inflation. Thanks for the info. If you were allowed to contribute to an HSA and reduce your tax liability on a high deductible medigap plan I might be interested. Tax advantage plus low premium it would be good. It puzzles me why prior to retirement I can contribute to an HSA with a high deductible plan but I can't do the same with medigap plans.

[@ChristopherWestfall]

Rather than calling, please pick a convenient time here: SeniorSavingsNetwork.org/openenrollment

[@bethb6598]

Thank you so much! I am planning on retiring in March. I'M 66 still working and have been stressing over what to do when to do, this is exausting. This video has helped me understand a little more.

[@ChristopherWestfall]

Let us help, when you do.

[@KaliGold]

I turn 65 next year here in California. I have been holding back on some things I know i need to get done esp for my eyes. I jog every day and pretty healthy, BUT that could change as I get older. My plan is to pick plan G from Health Net and then get full work done from head to toe on that plan. I am thinking maybe at some point in the future to downgrade from Plan G to Plan N if the premium differences make sense...which they dont really. Plan G will be about 150/month and plan N is 130/month to start. My understanding is that if you downgrade plans there is no medical underwriting. I dont think I ever want to go on HDG. Been there, done that with most of my health care coverage in the past. I want to "pamper" myself when it comes to health care coverage in my retirement. I almost feel like it is a sign of success in my life if you know what I mean.

[@ChristopherWestfall]

seniorsavingsnetwork.org/medicare-help/

[@vapeking466]

It's unfortunate that those of us disabled and under 65 whom signed up for Medicare advantage not realizing the downfalls and now I'm pretty sure I could never be approved for medigap. I have sleep apnea and arthritis as well as Coronary artery disease. All these are questions on the form. Don't even get me started on the lifetime penalty for late enrollment of a prescription plan. When I was finally approved for Medicare after yrs of denials and fighting I was so broke I couldn't go to any doctors and had no prescription to fill. The entire system needs a overhaul by someone with logistics knowledge. I'm only 51 and dreading the rest of my life with this shoddy Insurance. 🙏

[@karenaubin325]

You should get another chance once you turn 65 to enroll in a medigap plan without medical underwriting. My understanding is this is a one time opportunity that lasts for 6 months only. My sister is in the same boat as you are. She is on ssdi benefits and is in her 50's. You can surely bet that she will be signing up for a medigap plan once she turns 65.

[@abzygirl]

When you turn 65, you can get a G plan with no medical underwriting. Make sure to speak with an insurance agent who handles Medicare plans.

[@catpaladin1]

There are several people whom i know who are moving to Mexico, France, Costa Rica for easier living and better medical help

[@user-ml8ig1jp6z]

You are so correct except that I live in Ct which have monthly premiums for plan N of $160-$350 per month and plan G for $220-$460 per month. The high deductible makes sense for those in my state who do no use the MD. I still get the Medicare discount for MD visits and emergency visits. Ct does not require underwriting should I require to make a change. You and your staff were very helpful in my decision making. I often share your videos with friends. You are the best!!

[@ChristopherWestfall]

Your rate is due to the very liberal lack of Underwriting allowed by companies there.

[@susenjustesen7959]

Thank you !

[@BarbinAZ]

I qualified at 63 because I was enrolled in SSDI at 61 nobody helped me with anything just got hammered with phone calls.

[@ChristopherWestfall]

See: MedicareOnDisability.com for options before 12/7.

[@gordonause6956]

God Bless YOU!!!

[@Savannah-ed4rv]

When you say you have to pay the $1,600 Medicare deductible for a hospital admission wouldn't that only be charged up to the $2800 maximum? It doesn't seem like you would have to pay $1,600 every time you go in the hospital.

[@ChristopherWestfall]

You do, for each different 60-day benefit period, until you've reached the deductible.

[@judyclutter3736]

I have high deductible G and the pt A is $0 deductible the same as regular plan G

[@ChristopherWestfall]

Um, no. www.medicare.gov/basics/costs/medicare-costs

[@pestimom6572]

You are a wealth of information. I've been following you for years, but this video is a real prize winner! Thanks so much.

[@pmb1010]

Plan G Humana is $360 here in my zip code in NY. HD-G is $60. N is $255. Been on HD-G for couple years now. Barely meet the part B deductible so far, at this point I'm happy with HD-G. Advantage plans are popular here because lots of doctors are in network. The HD deducible creep up is crummy, but i do have a good nest egg on the side (2x the deductible in case i get sick in december).

[@tammysimons4916]

I went with Excellus HDG because that's who I have now and my foot Dr. doesn't take Humana. I'm looking at Cigna for meds.

[@ChristopherWestfall]

Very smart to do HDG in NY. Then, switch yourself to Plan G (we can help),if you need lots of treatment. There is NO underwriting in NY, so you can switch on the first of ANY month!

[@jdenino6022]

Can you switch later to regular plan G as you get older?

[@jdenino6022]

Sloan Kettering is not in my husband’s Advantage plan through UHC this worries me that the best nyc hospitals may not take his UHC advantage plan.

[@gingermate7490]

Thanks for this explanation. I need to rethink my Plan G and look into Plan N. For the long haul N seems like the way to go.

[@ChristopherWestfall]

Glad it was helpful! See: PlanNMedicare.org

[@EdNichols-qj4xk]

Thank you for your transparency and the great comparison of these three plans.

[@ChristopherWestfall]

Glad it was helpful!

[@carolynstine3465]

Instead of these lengthy lectures, the government should charge every American a percentage of their earned income and we all get the same full coverage! Now it means that only the wealthy can afford supplemental insurance.

[@usall4freedom184]

Great info...very helpful. Thank you.

[@tomrobertson3236]

20 percent of 10k is 2k. Of 20k is 4k So over 18k medical charges to meet the deductible

[@tgoodall3600]

Thank you! Great video answered my questions.

[@ChristopherWestfall]

Thank you for watching!!

[@dan1ob]

Since HDG folks are presumably healthier overall, I would assume that HDG premiums, already much lower, would also increase at a much lower rate than G (and perhaps N too). Is this true?

[@dandan3643]

I live in Florida and could only wish I could get those rates you have there in South Carolina. I'm seeing near $300 and over for Plan G. SMH

[@ChristopherWestfall]

That's why I would never do Plan G in Florida OR New York. Makes no sense. Glad I made this video about H-DG

[@eugeniebreida]

How about WA state/King County 98103? Any thoughts comparing G, Hi G and N here? And could my mother with PsA sign up for N, or would that Dx (psoriatic arth) put Plan N out of reach. (definitely not worried about $20 co-pays). I definitely seem to find a lot of brokers honest enough to steer me clear of advantage, but straight into supp G (non-HighDedduct). Thanks Christoper, just watching first of your great videos!@@ChristopherWestfall

[@lakotaluv]

Plan G $205 here in Michigan

[@Frostback-mw4xi]

@@ChristopherWestfall Some N plans in Florida are now barely 10% less than their G counterpart. The AARP/UHC "N" is actually just $3 more than the least expensive "G" plan. All F, G and N plans but one in Florida are Issue Age, rather than Attained Age.

[@millerfamilymom]

Is it difficult to change from G to N?

[@Retire-m1u]

Sir, i am educating n preparing for my 65th coming Jan 2025. I am so stressed out on how confusing complex is Medicare..not fair for hard working seniors n elderly. Im glad I found your channel. I am a renter n mobile. Do you do business in west coast? Im in Cali now but looking to relocate to AZ or NV. Thanks you ! I also wish you included Plan N on table comparison or is N same as HD-G @ 28:12 edited: i subscribed

[@ChristopherWestfall]

Yes, we are everywhere.

[@ChristopherWestfall]

Book an appointment six months before your birthday at: SeniorSavingsNetwork.org/openenrollment

[@lindajohnson4777]

Supplement plans for persons on disability and under age 65 are very expensive in South Florida. I pay $460.00 per month for high deductible Plan G! I'm a long way from 65. I may end up on medicare advantage before then because of the annual premium increases.

[@ChristopherWestfall]

That's why I made: MedicareOnDisability.com

[@archiehendricks6093]

Thanks , will be talking to Noelle, b4 xmas ha ha , real soon.

[@alleneverhart4141]

G plus for me. My premium differential between my lowest cost N plan vs lowest cost G+ is $156 month (NY). That differential buys $9360 (=156*5*12) worth of medical services in 2023 before the N plan is more economical (not including N-plan co-pays.) This year I have had less than $3000 worth of medical services.

[@lcarliner]

I asked this question before, If one is in a high deductible G plan, and his health condition degrades, like cancer, will he/she be able to switch to the non-deductible version without underwriting?

[@ChristopherWestfall]

In NY, CT, WA, no problem. Everywhere else, no. You would have to go through Underwriting. This is like having a $100,000 deductible on your homeowners insurance and then, when it catches on fire, calling your agent to change it to a $0 deductible.

[@jupiterglow]

Monthly premiums for G and N are 400 - 500+ in NY Who can afford that?

[@ChristopherWestfall]

Not many. That's not our strategy for New York. Happy to help if you're open to it. seniorsavingsnetwork.org/AEP

[@JeanPierreWhite]

I appreciate that agents are busy this time of year. However I start Medicare on Jan 1st. Waiting until December leaves it close to coverage starting. I am not getting my questions answered by my agent, they are probably too busy right now. I don't get to choose when my IEP is. I don't want to risk not having a drug plan and supplement on Jan 1st. When I was young I remember visiting the ER on new years day. It happens, even if you are strong as a horse. One of the factors I used in choosing my agent is that the owner is in her 30's. She should be around for the rest of my life. As you say agents are retiring.

[@ChristopherWestfall]

Just make an appointment here: SeniorSavingsNetwork.org/openenrollment Hopefully, you've filed to start Part A & B, already at ssa.gov

[@robertdunn7021]

BEST there is it would seem HONEST

[@kikigirlkauai]

In my area the plan premium difference between plan N and G is Less than ten dollars. I don’t sell high deductible plans. We do have some good advantage plans and my local Bay Area clients have no issues or problems getting surgery or referrals in 72 hours or less. Of course they are a lot more work but I love love love my clients. I prefer supplemental plans but I represent four carriers on advantage that I get excellent support as do clients. Thank you Chris. I want to work with you someday.

[@ChristopherWestfall]

Why wouldn't you "sell" High Deductible plans? You mean you never even talk about them. That's a shame.

[@sylviamortgat2384]

Thanks, as usual.

[@ChristopherWestfall]

Thanks for watching!

[@benedictahizon6536]

Does plan GHD covers the $408 per day hospital stay after the $2800 and the$1632 part A was paid by the patient that stayed in the hospital for 71 days?

[@ChristopherWestfall]

Yes.

[@smcclellan742]

Can you go from plan G to N without underwriting ?

[@ChristopherWestfall]

Depends in the state. I cover this here: SeniorSavingsNetwork.org/underwritten

[@teeing9355]

Thanks for the good info.

[@joycemccloy]

If youve had cancer and in remission but get quarterly surveillance, which is best plan? Non hodgkin's lymphoma.

[@gordonause6956]

Great content!!!

[@ChristopherWestfall]

Thank you!

[@rogerdorsey7823]

THEY ARE CONSTANTLY FINDING WAYS TO GET INTO YOUR WALLET

[@SeanWatson01]

For the Plan N, is the Medicare part B “excess charge” something to be concerned with?

[@Frostback-mw4xi]

Nope. Christopher addresses this. Only about 3% of providers charge the excess (capped at 15% of medicare's payment), and these are predominantly Psychiatrists.

[@Akira-nw4jl]

It's extremely rare and is about $14.00.

[@stanleysokolow]

Christopher, what do you think about Plan F HD versus Plan G HD for those old folks who qualify for Plan F by Medicare start date? Also, I wonder why the tables of the alphabetical plans don't put the HD plans up there alongside the other plans but instead only mention them with an asterisk and a footnote.

[@ChristopherWestfall]

It's the same thing.

[@stanleysokolow]

@@ChristopherWestfall But what about their rates of premium increase? Since Plan G is the new plan for guaranteed issue applicants, would you expect G-HD premiums to increase faster than F-HD rates, as you have said about the non-HD of Plan G compared with Plan N rates? It's complicated since new applicants to F-HD are older folks but they must pass underwriting, and the existing people with Plan F-HD are getting older and can be expected to have increasing medical expenses.

[@sonjacartier3715]

Christoher, I foolishly switched to a medicare advantage plan in Deb. I am very health, but listening to you, I really want to go back into original Medicare. How do I apply for the n plan. I believe I was in F plan in January

[@ChristopherWestfall]

Explained here: seniorsavingsnetwork.org/advantage-to-supplement-help/

[@benedictahizon6536]

Do I understand plan N well? When you got hospitalized and unfortunately you became very sick with complications that required a lot of procedures and different doctors visiting you with different specialty. Under plan N, will I end up paying your part on every doctors visits.How about the several procedures during the hospitalization, what do I end up paying with plan N?

[@ChristopherWestfall]

Correct. Hospital admission will cost you $0. You could have a doctor office copay of up to $20 each office visit.

[@cindyk4145]

Im starting to see why my dad didnt want to be on this? He just stayed on his bcbs plan.

[@frankish5314]

Very interesting. My Wife and I have always been very healthy and I'm 62.5 so have been scratching the surface of Medicare. My biggest fear is getting diagnosed with Cancer and ending up bankrupt. I'm confused why on an Advantage plan this could happen if you follow all their rules?

[@joannekearney5329]

I have F... are G plan premiums going up more than plan F (for those grandfathered in)? since it is no longer offered, I am assuming people can't be shoe horned into plan F.

[@FredPantone294]

Hi, I have found your videos to be very thorough and informative. Plan N seems to be the best plan for me. I live in Nevada and on the Medicare website it lists the monthly premiums for all of the Plan N policies in each zip code. All of the companies listed have a specific monthly premium listed. However Humana has a range of $0 - $130. Why do they post a price range as opposed to a specific monthly premium?

[@ChristopherWestfall]

Medicare.gov specializes only in "Advantage" plans, not Supplements. If you liked my videos, why wouldn't you let me help you as an expert, for free? seniorsavingsnetwork.org/medicare-help/

[@dianepropson2508]

I went on Medicare in September of last year. Am I wrong to understand that if I want to switch to a supplement plan in the state of Wisconsin, I don't need underwriting as long as I am still in my first year? I have been watching your videos and came across this one today. I almost thought after watching someone else's videos that G would be the way to go but I am now considering the N.

[@ChristopherWestfall]

Six months past your Part B start date is still open enrollment for Medigap.

[@bakerlady611]

I decided on AARP United Healthcare high deductible g. The cost difference in Florida between that and plan G is over $150 a month. I’m going to save the difference if I need it for my deductible. My thought is I might not need it some years but other years I might. I’m confident I’ve made the right choice.

[@ChristopherWestfall]

Right plan, possibly wrong company. UHC had never been in the high-deductible Plan G world until about give minutes ago. Meanwhile, there are players in Florida with a much longer, proven track record. But, we're always here to help if you'd like a second opinion vs. Do It Yourself. Remember, our help is free to you. Chris 1-800-729-9590

[@bakerlady611]

I realize it’s new but husband has plan g and has cancer and we’ve been happy with the company

[@bouncingBrain]

I don't hear a lot about cancer insurance. Is it for supplementing Medical Advantage? Do we need it if we are on Medigap B or G? I thought Medicare with Medigad would cover everything.

[@debraparker1550]

God Bless you. Happy Holidays

[@sueharris6616]

This is really good stuff

[@NoMoreTears64]

😂 I might have to pick your group to work with because I am ALSO a December 7 baby.😊

[@JorgeGonzalez-ui3nb]

In California, can I change to a different company for plan G without underwriting every year for my birthdate with the birthdate rule? Can I do the same as above going from plan G to plan N?

[@ChristopherWestfall]

Yes you can! californiabirthdayrule.com

[@sonyasanders5170]

My supplement goes up on payments a lot. Plan F they did have.

[@millielopez10]

Im on medicare Part A only and private insurance. I have a question: So we need Part B a gap insurance and a drug coverage? Is 3 insurances in florida?

[@ChristopherWestfall]

Yes, correct. See: HowToStartMedicare.com

[@MediaMaverick_]

Why doesn’t this impact guaranteed issue? I am lucky to have Anthem PPO plan thru former employer (union) but have zero costs aside from $5 copay including out of network…no other copays. It’s a good plan obviously and they reimburse my Medicare part B premiums too….I can go out of network thus far with no problem (California and Washington) but will examine this closely…

[@CandidLy1]

Just found you today Chris, fantastic thank you! I’m spreading the good news.

[@ChristopherWestfall]

Welcome aboard!

[@myramoxley4334]

Can you go from HD Plan G to plan N w/o underwriting?

[@ChristopherWestfall]

No, unless you're in Washington or New York.

[@artmaltman]

NYC plan G is around $280. Nonsmoker. Are there really places in the country where it costs $93?!!!

[@ChristopherWestfall]

Yes, absolutely. I've covered WHY New York has such high rates -because it's open enrollment for everyone all the time. This is the natural result of that policy decision. That's why HDG is best there.

[@davidbarnard7859]

I thought plan G HD annual deducible determination was based on actuarial rates not inflation. Can you confirm that?.....makes a difference on predicting future deductibles for this plan as claim patterns are more predictable than inflation.

[@eliselarson3470]

My son just started with Wellcare advantage. He put me on it, 2 months ago. I was on regular medicare since 2017. I haven't been to Drs, dental for 12 years, went on Keto, organic, holistic, herbs, supplements, etc. Not on any medications. Should I be on this plan? Mom died of diabetes at 64, dad died of auto immune, congestive heart at 97, almost 98, his mom died at 98. My mom's sister's, 102, 97. Appreciate a response, I am low income, don't pay premiums. Thank you. Watching your video on what might happen in 2025

[@ChristopherWestfall]

Would have to know more about your situation. You can only change Advantage plans between October 15th and December 7th. Please reach out to us just before October to make an appointment. It will be a crazy busy time. 1-800-729-9590

[@jjohnston7837]

I'm 66 and on Medicare/Medicaid. Kentucky Medicaid has me on a Molina advantage plan. I'm planning to withdraw from Medicaid and the Medicare Savings Program to purchase a gap policy. I have a spinal cord injury with some paralysis in my lower legs. Will I need to go through underwriting to get plan N, and how likely am I to succeed?

[@garyrhode3755]

If possible will you review Plan L Medigap insurance over all benefits?

[@ChristopherWestfall]

Covered that here: kzbin.infooE_6MuiDx_0?si=deopzAPxF8WrBUOw

[@michaelminauro4180]

Good stuff

[@benedictahizon6536]

How do I change the insurance company when I want to change my medigap plan?

[@ChristopherWestfall]

1-800-729-9590 SeniorSavingsNetwork.org/underwritten

[@hammer-r]

Many Tks for all the information. New subscriber.

[@ChristopherWestfall]

Thanks for the sub!

[@Shiva07Lingam]

Thanks for for information very informative! my mother in law has Advantage Hmo is she stuck for life?

[@sueharris6616]

Does Ohio have part N?

[@ChristopherWestfall]

Plan N, yes. And providers are prohibited form charging Excess Charges there. See: SeniorSavingsNetwork.org

[@mb1636]

Turning 65 on jan2025. I am healthy. No meds at all. Medicare is stressing me out n will make me sick.

[@ChristopherWestfall]

Allow us to help with this. You can reach out to us on or after June 1st for accurate information for your Birthday month. SeniorSavingsNetwork.org/openenrollment or call us at 1-800-729-9590. We'll take the stress out of it and give you the simple answers.

[@lalitpandit1510]

Can you switch from N to G later without underwriting?

[@ChristopherWestfall]

Covered here: SeniorSavingsNetwork.org/underwritten

[@brendathomas-r7q]

I live in Florida and won’t turn 65 till august if I move back to Indiana would I be able to get a lower premium altho I had initially signed up for Plan N in florida

[@dandan3643]

I'm in Florida too and the sticker shock got me too. My Medicare starts in January and I need to make a decision soon. I always had an HMO and never had an issue with it for all the years I have had it. And tbh I'm salivating looking at the Humana Advantage with a $1000 Max out of pocket and zero premium but more than likely will go with an N or High deductible G policy. This was a good video.

[@ChristopherWestfall]

It starts based on where you start. When you move, it MIGHT adjust depending on where you move.

[@davidshelton9465]

What about someone who has had job related insurance past age 65? I understand that I can apply through special enrollment, but is there underwriting for plans G, Ghd, and N? Does approval apply just like a new enrollment?

[@ChristopherWestfall]

All depends on when you started Part B. If longer than 6 months ago, you'd need Underwriting. See the Medicare Help button here. SeniorSavingsNetwork.org

[@shna2018]

Why people have to buy cancer plan before diagonisis with cancer? Is not diagonis will be cancer when it not cancer?

[@ChristopherWestfall]

The same reason you have to sign up for car insurance BEFORE you crash your car. That's how insurance works.

[@chuckconnors615]

I am hoping to retire to either Panama / Costa Rica. Does my Medicare coverage go with me? If so , when I return to USA for family visits throughout the year does the deductible level continue or are they split #s for domestic USA care vs. Foreign care totals???

[@bear6323]

QUESTION: Since Humana Gold Plus Medicare Advantage is no longer offered in my zipcode, can I get an "Guaranteed Issuance" to enroll into Supplemental Plan N, just like I could get a "Guaranteed Issuance" to enroll into Supplemental Plan N? I got on Medicare A and B on 4/1/2020. I just recently got a diagnosos of Myasthenia Gravis, which is one of those disqualiying health issues where they can deny me coverage without the "Guaranteed Issuance". I think I can go from Medicare Advantage to Plan G, so does that mean I could also go to Plan N as well, if I want to?

[@ChristopherWestfall]

No, you can only get another (possibly much better) Medicare Advantage plan. We can help with that. You could get a guarantee issue Medicare Supplement, but it would be Plan G only. That's the primary reason why Plan G has such high rate increases, because they MUST accept the Guarantee Issue Business. I explain that here: PlanNMedicare.org We can help you here: seniorsavingsnetwork.org/medicare-help/

[@lamarcarter6699]

Is this available in Tennessee?

[@ChristopherWestfall]

Yes. Click the Medicare Help button here: SeniorSavingsNetwork.org