Do you really need Medicare Part B

[@MyGovExpert]

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[@helenjaime9718]

I'm a low income senior on ss and all of a sudden money is being taken from my ss check that I cannot afford. How can I stop this. I don't even go to the doctor.

[@alansach8437]

You don't go to the doctor YET. No one dies healthy.

[@edwardedwards80]

I am 63yrs younger I haven't been in a doctor's office in decades. I eat my fruits and greens leafy vegetables and fasting, walking , dancing and singing. I rather live among the fruit trees or the rain forest health is wealth 😊@@alansach8437

[@mikejohnson7768]

What a prick you are​@@alansach8437

[@tazz-sb9li]

I’m just going to use the VA and pocket my 180$ a month for food or other important items.

[@MyGovExpert]

Sounds good! Hopefully that works out. Take care, Ed

[@TP-vu3tc]

Anybody can refuse part B working or retired. I'm retired, and I'm going to cancel part B and take the $164 to buy food that I need. And winter heat, gas, the high cost of living

[@TP-vu3tc]

@birdoftheabyss Call the Social Security department and ask.

[@barreloffun10]

What will you do when you get sick or hurt?

[@TP-vu3tc]

@barreloffun10 Well, if one has to go without winter food and heat, you will be suck and hurt. Having something to eat and keeping warm is slightly a higher priority than health insurance

[@barreloffun10]

KZbin seems to keep deleting my reply. There may be help available for you. You should apply for Extra Help with Prescriptions with Social Security and also for the Medicare Savings Program with your state Medicaid agency. You could get a Medicare prescriptions drug plan with no premium and very low copays, get your Part B premium paid for you, and possibly get the cost sharing for Parts A & B paid for you. Now let’s see if KZbin actually posts this…..

[@TP-vu3tc]

@barreloffun10 Can't get NO extra help or medicaid. $13 dollars over the income limit, DAM!!!

[@johnnymoretti]

Glad I stumbled onto your videos! I'm 64 and intend to work for another 6 years. I have a great medical plan with a major corporation. Will start collecting delayed SS at 70. So....take the Medicare Part A, but decline the Part B until I stop working (or apply a few months in advance). That's the message I got from your video, correct?

[@MyGovExpert]

Perfect! As long as you are not contributing to an HSA, you can start Part A without any issues. Take care, Ed

[@johnnymoretti]

@@MyGovExpert I'm not contributing to an HSA. Thank you, Ed, for all the advice on your videos!! Very helpful!

[@axelkodah284]

Am I wrong in thinking its so messed up to penalize seniors for not signing up?.....

[@chris5942]

I am wondering if it would be better to put the Part B premium amount into a savings account instead of buying part B. What is the average a Senior spends a month on Clinic visits. I cannot fathom being in the Doctor's office every month.

[@MyGovExpert]

It's really for the unexpected. You might save a little money by putting it in the bank...until you get sick/injured, then......not good!

[@RodneyDempsey-o8w]

One trip to the hospital emergency room and fews days in the hospital could cost several thounsands of dollars.

[@hainguyen7971]

Yes! I am working passed 65 and not enroll on Medicare part A and delay Medicare part B due to I have an HSA account until I retire at 70 ( end yesr of 2025). Please be advised me what I need to apply for Medicare Part A and part B along with employer letter which states that I have creditable coverage from my large company with 2000 employees. Thank you and with every warmest wishes

[@MyGovExpert]

Once you stop working and receiving health insurance from current work, you'll need 2 forms. Check out my video online about how to avoid the Medicare penalty and it explains everything.

[@Mutasis_Mutandis]

Thank you for answering all these questions. It’s a rarity that a KZbinr does do. 😊

[@nragan1000]

Plrase explain the penalty Q1. If i refuse part B at 65. And when I turn 66 then decide I want it. I would have to pay 10% penalty.. of what amount exactly ? $165x12 = $1980 10% = $198 I have to pay $198 Or $2178 (1980+198) ? Q2. And after I pay whichever amount I get to join from that point on at $165/month ?

[@sustainablelife1st]

i was told: you pay the penalty amount going forward. 165*1.1 = 181.5/month. (not sure how the "per 12 month period you were eligible factors in).

[@RodneyDempsey-o8w]

​@@sustainablelife1stit is 10 percent for every year you did not sign up.

[@alansach8437]

The reason you pay a penalty going forward is because you didn't pay into the pool, you just got insurance when you needed it. If everyone did that the system would go broke in a hurry! That's how insurance works. Healthy people pay for the sick. If only sick people get insurance it cannot work!

[@lillianvazquez6672]

I am a 100% disabled veteran and just got notified a few days ago that I would have to pay $174 for my part B. Nothing in my income has changed and I am no longer able to work due to getting an injury when I did try to go back. I appealed the decision within 5 days and was wondering if I could opt out? Also how would it affect my Part A. TN is my state. Thank you

[@MyGovExpert]

If you want Part B, then there is a monthly premium. I think the veterans administration might make you sign up for Part B. But you'll have to check with them.

[@Yahoo12]

You will not be penalized if you are working & have grp insurance. When you stop working then you need part B, drug plan and medigap. No Advantage it may seem like a great plan until you need to use it.

[@MyGovExpert]

Thank you! Group has to have 20 or more employees. And unfortunately, some people just can't afford the monthly Medigap premiums. I wish everyone could though!

[@edwardedwards80]

​@@MyGovExpert I am 63yrs old retired work for the school system 27 yrs and 9 months. I am still on my company's health care system. I called them and asked them about signing up for Medicare and they told me when I turn 65 I will automatically be put into a Medicare advantage plan. I thought I had a choice. I don't mind being on a advantage plan because I don't get sick at all. I just don't like being forced. I just want to thank you for your knowledge and honesty.

[@kyotojoel]

I read that as an expat, if I’m still working after retirement and on national health I won’t get penalized for declining Part B. Is this correct?

[@MyGovExpert]

For FREE HELP with Medicare plans (Medicare Supplements, Medicare Advantage, Part D), please call my Medicare partner, Chapter Medicare, at [phone]. They will review ALL the plans in your area and go over ALL your options.

[@Kathleen67.]

Vital information, always get proof that you gave the forms. Thank you! Your cautionary tales are life saving.

[@MyGovExpert]

Glad you like them!

[@glennhalila8279]

I'm 63 years old. I've been receiving Social Security Disability benefits for 3 years now. Social Security Administration made me start taking Social Security benefits (They split the payments up into two payments, one for Disability and one from Social Security Administration). I'm confused about Medicare parts A and B. I'm recieving Medicaid Benefits from the State of Ohio

[@MyGovExpert]

We can help you navigate the Medicare Part A and B bureaucracy. Email me your name, phone, state, and mention that you need help with Medicare, and we'll give you a call and go over all your options. Free help! [e-mail]

[@captbrad6329]

Hello Retired out of country. I have the contries social security and paid private insurance How do i disenroll remotely. Can it all be done online Fill ot the form and digitally sign, return pdf by email Keeping. Part A. Is there a digital medicare card for part a, or will they send me new card by mail

[@qooldewd2086]

I live overseas without plans to go back to the US anytime soon. I will be 64 in a month. They started charging me 174 for Medicare part B. I want to refuse part B. Will they reimburse me since i am not 65 yet? Is there a limit to the penalty of refusing part B? What if i need part B after 10 years?

[@MyGovExpert]

There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert

[@ricardogarza3408]

I'm 43 years old getting social security because I have cancer and I can not work. I was Just enrolled in medicare part a and part b. It cost me a $175 a month. Is there any way I could get On my fiance insurance from her current work place If they allow it? We are not married. I simply can barely live off The money that they give me and I can't afforded to be even shorted more each month. I was told at first I wouldn't have to pay for this now. I'm paying for this, is the reason why? Thanks in advance!

[@michaelroy925]

Don't forget to mention that Medicare Part B premium is times 2 if you are married. That's $174 per month for Each of You!

[@theresawebb8064]

I was just asking a worker about if I ever got married again, he gets his part b pd thru Medicaid and so do I..but I wanted to know if Medicaid would stop helping if we got married..she said it would depend on our combined income..other word if our combined checks were to high, no Medicaid part b pd for u .but she wouldn't tell me the income limit

[@sammysliver]

Hello. If I take Social Security before my Full Retirement Age of 67, am I required to sign up for Medicare Part B ? I'm a retired Federal employee and already have Health Insurance for life under the FEHB program. Say I start Social Security at 62.

[@MyGovExpert]

You are not required. Post Office recently made that a requirement...but most agencies not yet. So I would contact OPM to double check. Some people enroll in Medicare, others don't.

[@DokBua0424]

Im newly awarded recipient for ssdi@37, and somehow im automatically enrolled. I have other primary coverage and im happy with what i have and can take that chunk of premium for groceries. Will i be penalized for that ?

[@MyGovExpert]

If that other health insurance coverage is from your current work or your spouse's, then you don't have to enroll in Medicare. But if not, then you do. If you don't, you will be penalized for life! Give our Medicare team a call at: 855-313-3858 They will go over all your options and see if they can save you some money.

[@alansach8437]

Short answer: YES! You could be in the hospital and still be billed as outpatient. If you don't have B you could be hit with tens of thousands in surprise bills.

[@MyGovExpert]

That is true!

[@partyon5374]

If you are low income, Medicaid is available to cover your health care. Medicare Part B is nice for those who can afford the premium, but it doesn't provide much coverage.

[@SilkeLike]

Can you explain why there is a penalty for not signing up for Medicare at age 65?

[@MyGovExpert]

It's an insurance program. So those that pay into the system and are not sick support those that are sick. Like car insurance.

[@tonymanero5544]

Because people can scam the system by not paying for Part B, then when they get a diagnosis that they have cancer, and want $200,000 of care, they enroll in Part B for $175 month and get the benefits without a prior condition exclusion. Real insurance companies won’t cover you for prior conditions but Medicare does cover.

[@jeffschuler5659]

@@MyGovExpert I think I understand now how this works...we pay into the ( collective ) based on mass trepidation creating the premiums of fear and loathing so as the ( system ) is self ruling to justify Its very existence. Better known as the " Vicious cycle ". Got It ....I bow out. It is sickening to pay for others that are.

[@benitafontenot2531]

Greed

[@jacque4697]

What about people who have a higher income and required to pay $590 per month? Seems that the system is unfair since it punishes people who worked hard and rewards those who didn’t.

[@MyGovExpert]

So people that make below $100,000 don't work hard?

[@jacque4697]

Some do some don’t. But people making higher income are giving up their time, effort, freedom to serve others. The Medicare system is communism like system. Communism which has been tried and failed. It only discourages people from working.

[@gman-xd5hd]

@@MyGovExpert You shouldn't have said that !!

[@marieandpreciousamazingani6114]

I have Blue Cross Blue Shield I do not want Medicare. Will I lose my Blue Cross Blue Shield?

[@MyGovExpert]

Please join one of my FREE LIVE 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

[@janicelloyd3215]

That’s an odd question. Do we really need an expensive medigaps ???

[@MyGovExpert]

If you can afford all the gaps of original Medicare, then no. But most people don't have an extra million $$ in the bank.

[@benitafontenot2531]

If you cant afford it you cant afford it

[@gman-xd5hd]

PhD, I can tell !