We have had the G plan for six years and are very happy with it. Yes we can afford it, but it has paid for everything we have needed after our deductibles. WE haven't had to get referrals for almost all our doctors. And yes the price of it has gone up every year. Still it has saved us thousands because we have both had many unexpected illnesses that have needed extensive doctor visits and tests.
@devastatnАй бұрын
I'm retired from the federal government. I currently have BCBSFed health insurance. I'll turn 65 early next year. Do I drop my insurance and just go with Medicare or keep my current plan and just sign up for Medicare after I turn 65? Thank you ❤ 💯 👍
@CesarGonzalez098112 күн бұрын
@@devastatnI could be wrong but don’t drop your federal insurance because you can use that for your secondary, which will cover copays. Premiums, etc
@MagdaleneM-f3q11 күн бұрын
I’m on Social Security and Medicare. The thing that happens is yes we got a three point whatever percent increase last year but my Medicare part B payment also went up by $60 a month more than my cola so I actually took a $60 a month cut. I literally made best decisions when i started working with an advisor
@Wlad-v2w11 күн бұрын
Totally agree. A good financial adviser is a game-changer. My portfolio is balanced for all market conditions, and it has returned 120% since early last year. My adviser and I are now working toward hitting a seven-figure goal, which could take another year.
@BaffySchenck11 күн бұрын
That sounds interesting! Could you share the details of your adviser? I'm urgently in need of one.
@Wlad-v2w11 күн бұрын
My CFA Julianne Iwersen Niemann, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
@BaffySchenck11 күн бұрын
I just looked her up, and her credentials are impressive! I've already reached out and scheduled a call for some guidance. Thank you!
@TianaManeO11 күн бұрын
I hear you; it's tough when COLA increases barely keep up with rising costs, and with Medicare premiums possibly going up again, it could feel even tighter this year. Having an advisor on your side is a great call-they can help you navigate these changes and make the most of what you’re getting. Here’s hoping for some better adjustments soon!
@LifewithRandyBАй бұрын
Having waited almost a year to get approval for needed surgery from a well-known insurance provider, I will never again allow an insurance company to be involved in my health care decisions. I don't care what a supplement plan costs, Advantage plans are forever off my list.
@medicare365Ай бұрын
Smart move
@matthewsims445721 күн бұрын
Yeah, but if you have certain medical conditions...or take certain medications, GOOD LUCK getting INTO a Supplemental plan! I tried to move from Mutual of Omaha Plan G to Mutual of Omaha Plan N (cheaper), I had to honestly answer ONE medical question 'Yes' (for a disc issue), and I was then told no...I can't change. Even the same company!!!
@maryanngregorek8865Күн бұрын
They give you a one time, no questions asked, opportunity, to enroll without medical underwriting. After that, you are subject to medical underwriting. Apparently, as you've indicated, even within the same company. Would anyway pass medical underwriting at our age? You need to choose wisely when you first enroll. Who knew?
@SimsaneАй бұрын
My husband was very sick. He went into the hospital on December 30, 2023 and died there on January 21, 2024. He had Plan G. I was billed $240. That's it for 22 days. Nothing more. Let me tell you, it was a big relief to me as I was already overwhelmed and grieving over his death. I was worried I was going to have to sell my house and live in my vehicle or with one of my kids and it still wouldn't be enough to pay off the bills. He died just three weeks before our 40th wedding anniversary.😢
@pattyoconnell4254Ай бұрын
I’m so sorry for your loss 😢💔
@SimsaneАй бұрын
@@pattyoconnell4254 thank you. 😔🫂
@joanclayton1181Ай бұрын
I am so sorry. 😢
@beoz65827 күн бұрын
So sorry for your loss. My brother almost died 2 times and the $90,000 bill was nothing. He has plan G
@madamecurious27 күн бұрын
I’m so sorry for your loss 😢 im glad you don’t have to deal with grief AND debt!! That would be almost unbearable.
@tenaguin105426 күн бұрын
Have had plan G for several years. The first four years there was a very minimal increase in monthly premiums. The past three years it has increased substantially. Due to multiple health issues I must keep this plan. So far I have been able to make payment for the deductible and monthly premiums and really hope I can continue to do so. A month after I retired, my health seemed to just get out of hand. I must have good coverage and most likely mat not qualify through other companies. I hope to continue to afford plan G. Since retirement and going on Medicare I have paid more for medical insurance than I ever did my entire life.
@Hsbee9262 ай бұрын
Thanks, good information. It's interesting to watch the costs for 65, it looks so reasonable. When you hit 76, the cost of the premium in AZ now runs me $214 per month for plan N. As you mentioned, for plan D to get "reasonable" drug coverage on name brand drugs, the premium is high, and the cost for the prescription I pay is still very high. Fortunately, some of these drugs will be capped with the new out of pocket limit in 2025. Even with these increases, it still beats the $900 per month I was spending for medical coverage before I turned 65.
@saketashol67282 ай бұрын
Brian is one of the best in this business. We are both on plan N and when rates increased above average, Brian switched us to another larger carrier and saved us a lot in monthly premiums .
@todddunn945Ай бұрын
You left out one of the most important considerations and that is pre-approvals. With Traditional Medicare and a Supplement (G, N, etc.) there are essentially no pre-approvals. If your doctor says you need something you get it without delay. I said essentially because there are some things that have limits on how frequently you can get them. On the other hand, with a Medicare Advantage plan, pretty much any expensive procedure will require that the insurance company approve the procedure before they will pay for it. An example is a surgery like knee or hip replacement. The advantage plan will require that your doctors submit documentation before the surgery and the plan may not approve it at all, or may require that you do something else (physical therapy, injections, etc. before you have the surgery.
@Sword_of_justice103Ай бұрын
Yes ! This is very true .
@frankbartol3196Ай бұрын
This difference is HUGE and for me, a disqualifer.
@desilu-stage9Ай бұрын
If non citizens are getting free medical care, why can't Americans?
@brin3mАй бұрын
@@desilu-stage9 just stop. off topic
@sbc383zzАй бұрын
@@desilu-stage9 More Republican garbage.
@yacaattwood2421Ай бұрын
My oncologist ordered a PET Scan recently to check on the effectiveness of the pembrolizumab (Keytruda) and levatinib (Lenvima) on my metastatic endometrial cancer When I talked to the hospital coordinator to schedule the scan, she said, “oh, we have to get an authorization from insurance”. She checked, then said, “Oh - you have Medicare and a Plan G Supplement - NO AUTHORIZATION NEEDED; we can schedule your PET Scan” YES, I’m paying over $400/month for Part B ($174.70), AARP/UnitedHealth Care Plan G ($148.60), WellCare Part D Prescription ($0.50) and UnitedHealth Care Dental/Vision ($50.70) and a MASA Medical Transportation Plan ($30 - the nearest Level I Trauma Center is 45 miles away in Salt Lake City; Medicare may or may not classify ambulance/air transport as “medically necessary”) - but my ONCOLOGIST and not an insurance functionary makes decisions about my treatment
@medicare365Ай бұрын
Thanks for the unbelievable story. I hope your health gets better and better. Plan G makes your life easier when you get sick! Appreciate the comment and keep them coming if you can.
@kygent508Ай бұрын
I am on Plan N and have never,so far,paid the $20.
@UncleDavesKitchenАй бұрын
me either
@joanclayton1181Ай бұрын
Same here. The copay is "up to" and "not to exceed" the "20.00. If your doctor has a lesser copay, then you pay the lesser amount.
@GH-cp9wcАй бұрын
I have had Plan G and have had to basically pay the annual deductible through chemotherapy/Hospitalization and same for Open Heart Surgery/Hospitalization 2 years later.
@medicare365Ай бұрын
The annual deductible is only $240 a year. For all that care that is a small amount.
@allisonmastin1940Ай бұрын
Finally someone who explains so I can understand
@medicare365Ай бұрын
Appreciate the compliment
@Sarahbee-o8tАй бұрын
I take a lot of tier 5 medications for copd . I need a good Medicare prescription plan
@djbosnick10722 ай бұрын
We live in a very rural area, without alot of options for docs and dentists. It's at least an hour and a half drive to any decent medical care. Medicare Advantage would put us at a distinct DISadvantage, it seems to us. We also like to camp out of state, and need to have choices when we travel and medical or dental issues arise. For us, a supplement seems to make more sense.
@HughesbayouАй бұрын
It's advantage to the insurance company. How else can they make money and have no or low premiums?
@pearlsandpowertools547Ай бұрын
I'll give you three anecdotes. 84yo MIL Got a cancer DX 2 weeks after FIL died. They live in rural MO. MIL had Real Medicare and a Plan G Supplement it cost $4000 2024. We brought her to our home in Atlanta and she has paid only Medicare premiums and annual deductibles, small prescriptions. We also learned some Patient Assistance Programs do not take MA patients. Her $16K a month cancer Rx is free on a Patient Assistance Program. Her brother, outside St Louis had MA. He could not leave STL for care. In his plan he had to stay in his region. $250 ambulance ride, Hospital stay co-pays $1600, meds varied with needs. He also had $33 late enrollment for life because he signed up late. My sister has MS. She was sold on a MA plan just to find NONE of her specialists accept ANY MA plans. She switched back to Real Medicare but was unable to qualify for a supplement due to the MS. But, she can see whatever specialists she needs, NYC or Atlanta.
@djbosnick1072Ай бұрын
@@pearlsandpowertools547thoae are very powerful illustrations in favor of original medicare and supplement!! Thanks for sharing this. Sorry for your family that has Medicare Advantage.❤
@zelmahensel94122 ай бұрын
I’m 81 and going to go from advantage plan to medicare with a supplement. How much will plan G cost me here in Florida and plan N thank you
@haydeefm7414Ай бұрын
This is the best explanation of these plans I've heard. I recently lost my employer insurance and had to go on Medicare (it will start October 1). I chose plans G & D. I don't have much $ reserved in the bank as I was a single mom and wasn't able to save unfortunately. If G goes up each year, I'm not sure how long I'll be able to afford it. I'm alone and wasn't even able to take Dental, Hearing, or Vision.
@joniboulware1436Ай бұрын
Then you should go for N. Any change in plan after the initial period requires medical underwriting.
@NYCislandАй бұрын
If you don't see a doctor much, you get go with a high-deductible version of G. That's what my husband and I have. We are in WA and it's $48/mon (varies by state and company). The deductible is higher, but same benefits. I only go 2/year for lab work so I don't want to pay $200/mon for regular G or N.
@ridendurance29 күн бұрын
Can you address how the difference in cost would be when a patient has a surgery procedure as an Ambulatory Observation Stay Vs an Inpatient stay. This is a new way Medicare has figured out how to pay less because of this distinction.
@RG-hf4et18 күн бұрын
You should go for Plan N asap even if u just signed up for Plan G. G & N are VERY similar. N is cheaper every month & your yearly increases will be less. I am on G. It is wonderful but N will cost less in the long run over the years as u age. I am switching to Plan N this week.
@maido943425 күн бұрын
Hi Brian I always get the most information and understanding from your videos . Your explanation is very easy to understand . I had Medicare advantage for 12 yrs and after listening to your videos I was lucky to be able to change to plan G this year . However , after listening to this video I realized I have been paying too much for my drugs plan and my dental plan . I need to call your office and have a consultation with you ASAP . I had an opportunity to talk to you on the phone once and you had emailed me couple of times . I really appreciate your work and expertise in this field . I am from Waterford , Michigan
@medicare36524 күн бұрын
Are you a client of ours? We don’t help people with Dental or drug plans unless they are clients. If you’re a client give us a call. Thanks!
@adelinematusiak693Ай бұрын
Regarding Vision. I have plan F very pricey I’m 77. Medicare pays for Vision if you go to an Opthamologist once a year. So I have no need for a vision plan. I wish they paid for dental also. Thankfully I’m on only one drug and it’s not covered. I also go to a chiropractor. It’s only covered if I meet my deductible, but my cost is only 50.00, if covered cost is 25.00. I may check on plan G to see if cheaper in Illinois.
@lindamullens5545Ай бұрын
I have received letters for the new year, my part D has been $9.90 and gone up to $45. My plan G is raising from $153.17 to near $185. I go to the doctor once a year for a valve check up. I take a statin and BP pill at no cost. You can believe I’ll be shopping to get the prices you have approximated. I’m in small town indiana.
@PeteLopenoMHEАй бұрын
I used to process claims for an insurance company. I saw plenty of claims where a specialty doctor (there are more than a few from Mayo Clinic here in WI), or a DME provider did not accept Medicare assignment. In the case of DME, they are not limited by the 15% either. So, for an individual who requires a CPAP machine in example, the excess charge rider may be worth it for them.
@x.y.73852 ай бұрын
I live in CT. Cheapest N is 170, cheapest G is 260. I chose high deductible plan G for 55 per month for the remainder of 2024. It has a 2800 deductible. Haven't finished the video yet so not sure if this is touched on. If i chose N, id pay 1920 per year whether I used it or not. Regular G would cost me 3120 per year whether i used it or not. So for now it makes sense for me to choose high deductible G. I'll see what 2025 is next month. Also, since i live in CT i can change supplement plans during the year without underwriting
@MikeD_Ай бұрын
Plan G HD makes a lot of sense for those who live in CT and NY, and a few other states. Not many promote it because their commissions are so much lower. At least that's my guess.
@RG-hf4etАй бұрын
You have the benefit of no underwriting so it is ez for you to switch.
@conniesteinlicht8959Ай бұрын
In MINNESOTA you have to go through Medical underwriting. Wish I would have found this site before we made our choices. I received little information from my broker, I didn’t know the right questions to ask and he didn’t ask any questions.
@brin3mАй бұрын
as for ambulance charges I suggest you check your city and see if where you live that you are covered by the city. i needed to go to the emergency room in my city and because i was a resident i was not charged for the ambulance.
@michaelcraig92272 ай бұрын
Thanks for the additional information. A crystal clear explanation of the plan basics.
@medicare3652 ай бұрын
Appreciate the comment!
@lizettramos92402 ай бұрын
Hello Brian, wishing you a blessing night thank you so much for this great information for coming year your the Best 🎉🎉🎉🎉🎉
@medicare3652 ай бұрын
Lizett!! Woohoo 🥳 thanks for watching
@UncleDavesKitchenАй бұрын
My Plan N is now $106 a month. Only 1 physician out 3 that I see charges a co-pay which is always $9 a visit which is twice a year. It seems Medicare is closing plans that have no co-pays which might allow subscribers to visit the physician for unnecessary visits. Having a possible co pay might limit doctor visits that may not be necessary.
@medicare365Ай бұрын
Good point
@joniboulware1436Ай бұрын
That is why co pay plans are cheaper. But I don't think too many people want to spend a lot of unnecessary time in Dr offices. Some specialists will not see you without your Dr reference.
@UncleDavesKitchenАй бұрын
@@joniboulware1436 Many unnecessary appointments made with physicians, primary or specialty. Also many unnecessary ER visits, I'm an RN, we call them the frequent flyer club.
@markeaton73182 ай бұрын
Yes, push Medicare Advantage Plans the highest agent commission payout!
@sbc383zzАй бұрын
Bingo!
@PatriciaBates-z7lАй бұрын
@@markeaton7318 @markeaton7318 - yes agents get new cars, vacations, etc. to PUSH the Advantage plans. Why in the heck would they offer a Medigap when the bonuses are SO good when they sell an Advantage plan. It's disgusting, and so many hospitals are refusing the Advantage plans. I get that is all some can afford but to push it is beyond acceptable.
@joanclayton1181Ай бұрын
Yes. Some agents push Advantage so hard to line their own pockets. So greedy and so sad!
@roccodifranco7866Ай бұрын
Love my part G never had an unexpected cost after very small deductible. And no referral
@medicare365Ай бұрын
Glad to hear it Rocco
@lobby5t2 ай бұрын
Very helpful, in a sea of bias and confusion! Much appreciated.
@KarynDoherty-v1iАй бұрын
I pay 5400/YEAR for a Plan F Medicare plan in western NY
@BigFluffyPupАй бұрын
That's a lot.I couldn't afford that.
@joniboulware1436Ай бұрын
Change it. You don't have to go through underwriting.
@ggjr612 ай бұрын
Where I live most seniors I know are on MA and all but one of them pay a premium. They just like the cheaper co pays, co insurance and lower out of pocket maximums. They’re paying 35-85 a month and it’s still significantly cheaper than a supplement although most of them hadn’t heard of supplements until I told them.
@brin3mАй бұрын
we almost did that until we realized that if we wanted to travel, which we did none of the MA plans would cover us 100% if we needed doc or hospital care out of state. i thought that odd.
@ChrisSadowski-pp1npАй бұрын
Unless someone has a chronic condition like MS going into Medicare, most people would probably be best served going to N or HDG. Plan G by the time you're age 85 will cost a lot of people close to $500 a month in monthly premiums.
@beoz65827 күн бұрын
Luckily I can afford plan G. My primary doc always ok's my requests to specialists I want to see.
@daviddoss28042 ай бұрын
I think what most people don’t understand about the initial $225 deductible that needs to be met on the plan G or N Is that when you get a bill it is not the full retail price it is the Medicare negotiated rate which is much lower. I think that scare some people and they avoid going to the doctor because I think they’re gonna have to pay $225right off the bat, but that is not true.
@medicare3652 ай бұрын
Good point. No one should ever avoid going to the doctor… especially on Plan G or Plan N.
@delaineyjohnson82382 ай бұрын
Payers do this in hopes of controlling how many visits a patient makes per year to their provider. There was a RAND experiment in the 70s when govt was debating a free, universal healthcare plan. Placing beneficiaries on high deductible plans the study showed payers could control patient visits, regardless of how much a doctor charged. But the problem was that more individuals had hospital visits in the long run of the study. Budgeting for hospital is often the focus for many. Yet lately I've found the less I go see a doctor the less ill I feel. Younger crowd of MDs are just businessmen and women.
@lisagerman2111Ай бұрын
@delainey - I think your last thoughts (young dr.s are just business people) are a bit harsh. The reality of the American Healthcare system, specifically the insurance industry, requires that dr.s now have to be business people simply to navigate payment systems and algorithmic denials/approvals/billing & payment cycles/disputes, etc. I've never met a physician who would rather negotiate paperwork vs treating patients. If there is blame to be assigned re the American Healthcare system, it isn't with the boots-on-the-ground frontline health professionals.
@delaineyjohnson8238Ай бұрын
@@lisagerman2111 Honestly. It's with both. What I've seen in frontline health professionals working in and out of ICUs, assisted living facilities and other medical facilities is that there is a new breed of medical students that are just not equipped for bedside manner, nor understand that a patient may be having the worst day of their lives. They lack empathy. Most joke and make comments that is a complete violation of HIPAA (or at least what I taught). I love how everyone always points blame elsewhere when I've seen complete disregard and negligent treatment of patients with NO accountability. So seriously F off with the insurance pushing paperwork red tape excuse. You fucking take care of patients regardless or get the fuck out of hospitals and other medical facilities.
@claudiaprice10182 ай бұрын
I have plan G and husband has plan N. Why are we paying over $600 between the both of us for monthly premium?
@medicare3652 ай бұрын
Because you haven’t called me to try and save money. 844-552-7426
@R.LB-z9fАй бұрын
THANK YOU!! INFORMATIVE
@medicare365Ай бұрын
You’re welcome 👍🏽
@tovegoodness2642Ай бұрын
TY good info presented nicely and clearly
@mrsports400Ай бұрын
Hi, I am still employed but will probably retie in 2025, sometime. For now I can get dental and vision coverage for about $20 a month until I leave the company without having to use their health plan. My question is, if I sign up for Medicare part G or N to begin January 1 do I have to sign up for vision and dental at that time, or can I wait until I retire and just add it then?
@kn2656Ай бұрын
For 2025, the Part D drug plans are much higher than 2024. Mine went from $10/mo in 2024 to $45/mo in 2025. Look at the 2025 plans due to the Inflation Reduction Act.
@medicare365Ай бұрын
Yes. They have gone up. ⬆️
@wendyalexander757Ай бұрын
You need to shop around! My drug plan has been $9.80 mo. and was going up to $44.80 in 2025. So I have an agent who found me a great plan with Cigna for around $20.00. Also, the drug deductible is going up from $280 this year to $590 in 2025! It will help people who have to take tier 3 and 4 drug, as the maximum annual out of pocket will only be $2000 in 2025 vs. $5,030 in 2024!
@PatriciaBates-z7lАй бұрын
@kn2656 - my drug plan Aetna Silverscripts went from $5.30 in 2024 to $40.30 in 2025.
@joniboulware1436Ай бұрын
My drug plan went to $0 from $,50. But the deductible of $560 starts with Tier 3. The formulary coverages are worse.
@javenemorris369726 күн бұрын
@kathysheppeard2178Ай бұрын
I have plan F in Texas. It's $150 a month. They dontvpay for dental. The initial deductible is $200. My supplement is aarp united and they just went up to to $285 A MONTH. SO IM LISTENING TO SEE WHAT TO DO FOR 2025. I MIGHT TRY THAT PLAN G. BUT I NEED DENTAL. WITH PLAN F I CAN GO TO JUST ABOUT ANY DOCTOR I WANT TO.
@RG-hf4et18 күн бұрын
Look at Plan N & G. I have G. All of my md's are on it. People are dropping F bc it is getting to costly. None of these plans pay for dental. And the dental on Advantage Plans aren't that good. I know bc I am a dentist. They try to lure u with "dental" but it is breadcrumb coverage.
@themojoewood17 күн бұрын
Hi, Thanks for your video's. They are the best on KZbin. I currently have plan N for 2024 however I just got a notice that my plan N premium is increasing by 11% for 2025. I live the the SF Bay Area. I'm thinking about switching to Plan G. Do you have any information about how much plan G will be increasing for 2025? I am 68 and in good health. Thank you!
@surfrunnerd8457Ай бұрын
Thank you. Great info!
@medicare365Ай бұрын
Glad it was helpful
@Mark-ur2il9 күн бұрын
I live in Los Angeles. There are 25 companies for a G plan ranging from $160 to $290. Are you saying the benefits are exactly the same? No limitations on which hospitals or doctors? It's hard to figure out which company/price....????
@medicare3659 күн бұрын
Get a broker that will help you.
@CryptoSurfer2 ай бұрын
Excess charges can only be applied by doctors who opt out of Medicare and don’t accept assignment
@medicare3652 ай бұрын
True...Thanks for commenting
@blu-r7h2 ай бұрын
I wish the premiums in my area (western NY state) were as low as you quoted. Each year the insurance companies go to the State to increase premiums and gobble up any Social Security COLA increases. I do my research and will changes companies. I am finding the different types of customer service the hard way but to filter out the differences is hard. I pay 20% of my budget for health insurance. The COLA doesn't reflect the actual cost of goods, etc. I just wish I could do better at knowing everything but I am finding i just can't get ahead anymore, even just a bit. Thank you, though, for helping with your videos.
@medicare3652 ай бұрын
New York has the highest cost.
@anniesshenanigans38152 ай бұрын
Dump it.
@blu-r7h2 ай бұрын
@anniesshenanigans3815 I would love to. Unfortunately, due to my income, assets, and health conditions, I am hostage to what I have for insurances. My income is just above poverty limits so I also have a Medicaid spendown if ever needed. Still not eligible for any Medicare Savings Program. Very confusing and almost a Catch-22.
@saketashol67282 ай бұрын
Leave NY!
@MikeD_Ай бұрын
BTW Totally off topic (mostly), but one of your competitors had an ad that popped up in your video. I doubt he controls that, but maybe you can request certain types of ads not run in your videos. That's the first time I've seen that watching Medicare videos on KZbin.
@medicare365Ай бұрын
Interesting. 🤔
@barbwilson704Ай бұрын
Hi - thank you for your video. CAn you tell me what the best price is for plan D plan in the state of Illinois. Thank you
@BigFluffyPupАй бұрын
My cost for care this year was $40
@judieloux3610Ай бұрын
We are residents of SD, my husband pays over $300, for plan G.
@RG-hf4et18 күн бұрын
Look at Plan N. It is very similar to Plan G. I have G and am switching to Plan N. The increases over your lifetime will be less expensive with Plan N.
@shirleysanchez18662 ай бұрын
My mother (87) has an advantage plan, she is aging, frail, but still in good health and no meds. However, I know that eventually she might have to go to the hospital or a skilled nursing facility . I wonder if it would be a good idea to switch her to have a plan G or N now that I know that hospital stay is expensive. PlanG OR N is probably very expensive at her age. Any suggestions?
@Indus5950Ай бұрын
Best of knowledge, switching from MA to Supplemental plan is almost impossible with her age. Please correct me if I am not aware.
@pecosgroupАй бұрын
it is too old to get indemnity plan as well. We need to plan early
@Royce-e8hАй бұрын
@@pecosgroupI live in TX. My mother came to live with me in August, and she is 83. She was approved for a hospital indemnity plan just last week. I don’t know if your mother will be approved at 87, but I would try to,see if she could get it.
@sadie4me2Ай бұрын
What do those supplemental plants cost meaning do you have to prove medical insure ability? Example if I’ve had breast cancer, does that make me disqualified and if the cancer was three or four years ago?
@dinobernardi170Ай бұрын
Nice job!!!
@medicare365Ай бұрын
Appreciate it
@jenniferbrown787Ай бұрын
My 89 yr mom is on plan J. Do you know if this is still okay to use?
@medicare365Ай бұрын
Yes. Plan J is the best. Keep her there if you have the money to. What state, zip code does she live in?
@gratefulpoppiАй бұрын
Really well done!
@medicare365Ай бұрын
Thank you 😊
@brin3m24 күн бұрын
i just checked the N plan and compared it to my current G plan with the insurance company i have. the N plan is only $3 cheaper a month and $20 dollars each doc visit. can't figure out if a copay is for primary care doc visit or PT visits. How do I find out that? do i have to call the company? because i had 18 visits to date with more coming in the next 2 months for different docs and PT so I would have ended up I believe paying more for a plan N than staying with the plan G. Is that right?
@RG-hf4et18 күн бұрын
Percentage wise, your increases over the future years as are higher with Plan G. Plan G has millions more participants than Plan N. That why Plan N will cost u les a overall in your lifetime....Also, check different insurance companies for their G & N prices.
@HousBinPhartiin2 ай бұрын
Great job!
@BigFluffyPupАй бұрын
My psrt C plan has a very wide network.
@NoMoreTears642 ай бұрын
So is it definite now that it is 185.00 month for the Part A and B? I know it's 177.70 now. I dont start until Dec 1.
@masoncncАй бұрын
Our plan G went up $100 moving from CA to NC. WTH? Have to say the service and quality is much better 🙏💪
@davidmotley4207Ай бұрын
BTW, $185 is for Part B only since we have to contribute 1.5% of our gross income toward FICA every year we work. For a $100K salary, that is about $130 a month. For an individual who worked 40 years, that is about $62K as face value. If he lives 30 years after retirement (65), its face value, w/o years of IR applied is $172 a month. With interest applied, it could be $300+ per month.
@tomw702627 күн бұрын
I currently have an advantage plan that is being dropped. I would love to get a Plan N, but unfortunately only G is automatic issue.
@karengerace75067 күн бұрын
I have been on Plan G for 5 years and have never regretted it. Two surgeries((open heart for one) and never paid a penny other then monthly premium
@bd12340Ай бұрын
People are going to be shocked like I was when the new part D for 2025 pricing is released. My 2024 is a 10.00/mo. With no copay for tier1. In 2025 my monthly premium will increase to 44.90 AND I will have to pay a deductible of 590.00 before I reach the initial coverage stage the the copays are 5.00 / 10.00 for tier 1 / 2. There is a max out of pocket of 2000.00 in the catastrophic stage.
@joniboulware1436Ай бұрын
Checkout Wellcare. Don't go through an agent because Wellcare stopped paying commissions. My 2025 is $0 for what you describe above except Tier 1 is $0 ( Utah.)
@robertbelar53412 ай бұрын
I keep my Tricare.
@medicare3652 ай бұрын
Keep it Bob!!
@annlolmaugh4491Ай бұрын
Been on Medicare since 1998 I never heard of N. Or G plans.wtf no insurance company explained this.I talk to several every year.
@medicare365Ай бұрын
You have to the best.
@BigFluffyPupАй бұрын
Do you get paid more to sign up old folks for plans g and n than part c?
@medicare365Ай бұрын
I can disclose that information Big Fluffy… that’s top secret information
@generic_officialАй бұрын
What about riders? Is something like a cancer rider needed, or does a supplement plan make that unnecessary?
@BigFluffyPupАй бұрын
How long can the government pay for any doctor, any time, anywhere with no limits?
@medicare365Ай бұрын
Who knows?? Not forever!!
@cvcoco10 күн бұрын
I have Plan G in California and the rate is I think the highest anywhere. If I am living in my van, traveling the country, with no more California address, what is my rate?
@medicare36510 күн бұрын
The highest is NYC… $306 a month plan g
@cvcoco9 күн бұрын
@@medicare365 Yes. CA for me is $256 next year. But again, if I am not in CA anymore but traveling, what is my rate? Do I have to change addresses for each state I travel through? If I had to do that, will my rate change every week?
@sbe85442 ай бұрын
Good analysis
@Jdw68482 ай бұрын
I found the dental plan worthless they only cover silver fillings and if you need a second root canal they don't pay,
@medicare3652 ай бұрын
Dental coverage tends to be be bad
@TenMinuteTripsАй бұрын
I think that dental insurance as a whole, is a ripoff. Even the dental insurance options offered through my former employer’s health insurance offerings, were almost pointless. Medicare dental coverage is even worse. I have to tell my dental hygienist, that no, I can’t do cleanings and exams three times a year. It’s not covered.
@vgshwkАй бұрын
If you can afford it have your dental work done out of county.
@johnwm70392 ай бұрын
Would be nice to include Florida in your premium examples given how many retirees are there & would be helpful to determine whether to move there. I pay way above your quoted averages for a Florida Plan G - $234 AARP/United Healthcare
@medicare3652 ай бұрын
This is why I say average. If you want a personal quote please call my office 844-552-7426.
@x.y.73852 ай бұрын
Please post how much. Im in CT and will separately post what I pay for the supplements. Have you considered a high deductible plan G?
@jupiterglowАй бұрын
And NY. Supplimental plans are out of reach. G is at $400!
@debbycoffey4788Ай бұрын
Its rediculous! I dont understand how it is legal for insurance companies to charge that much compared to other states. What is the reasoning. Im in NY also and in 2024 i pay $210.73 for Plan N. O dread what 2025 will cost. Im still employed part time at 70yrs old just to pay for premiums. Trying to leave NY state ASAP!@@jupiterglow
@joanclayton1181Ай бұрын
I am in Florida. Age 65. I pay 128.00 for Plan N in 2024.
@BigFluffyPupАй бұрын
My out of pocket will be $3400.
@MikeJ-h1u7 күн бұрын
What about charges for rehab pulmonary etcl.
@medicare3656 күн бұрын
You have to ask a more thorough question.
@MikeJ-h1u6 күн бұрын
What about co-pays on the medigap N plan for pulmonary therapy
@BigFluffyPupАй бұрын
Yes please state the cost of plans g/n at 85 years old. I'm not getting a raise
@medicare365Ай бұрын
Yeah Big Fluffy…. I like that call sign!
@kathysheppeard2178Ай бұрын
My medicine costs me about $100 a month. PLAN f does not pay for medicine or dental.
@Shortie5-1Ай бұрын
The advantage Plan c max out-of-pocket is $6000 is reached after that the plan pays 100% for that year.
@LONEWOLF6523-gc3dv4 күн бұрын
Medicare Advantage isn't very user friendly when you need surgery-a non MD will be deciding IF/WHEN YOU GET SURGERY.
@sadie4me2Ай бұрын
Do these supplemental plans require medical insurability proof? Other words if I am a breast cancer survivor will they even cover me my cancer treatment and three or four years ago last I heard they wouldn’t even cover me because of this pre-existing condition.
@medicare365Ай бұрын
You’d have to speak to one of our agents to answer those questions.
@anitab553122 күн бұрын
I'm thinking plans, but what about plan D for drugs. I take about 8 prescriptions due to a heart stint and diabetes.
@medicare36521 күн бұрын
It’s different for everyone. You have to run your drugs on Medicare.gov
@joycewedel9084Ай бұрын
Ty
@janicemcgatlin48402 ай бұрын
So if I call you, would I get you or someone else on your team? I live in Arkansas. I won't be 65 until March 2025.
@medicare3652 ай бұрын
You can schedule an appointment with me. I’m pretty sure I’m the only one licensed in Arkansas. Keep in mind for everyone reading this… most of the people on my team are 50 and above and some are actually on Medicare so we are all very knowledgeable and experienced.
@wendyalexander757Ай бұрын
@@medicare365
@hectorGomez-y6j2 ай бұрын
CAN YOU SWITCH FROM ADVANTAGE BACK TO REGULAR?
@medicare3652 ай бұрын
Yes and no. Depends on your individual situation
@joncavallo43912 ай бұрын
Do you cover people in Wyoming?
@medicare3652 ай бұрын
Yes
@desilu-stage9Ай бұрын
If I'm injured in an auto crash, the insurance company pays.
@medicare3652 ай бұрын
Will you change your Medicare plan for 2025?
@paulad67282 ай бұрын
I switched from G to N
@zelmahensel9412Ай бұрын
@@medicare365 yes I plan on changing it for 2025
@tarakennedy3041Ай бұрын
Not sure, have N, probably will stay with it as it worked well.
@SandraCollins-fv3bbАй бұрын
I switched companies and saved 156.$a month with plan f to G with same benefits
@decoro5856Ай бұрын
@@SandraCollins-fv3bbcan you share insurance company name?
@AngelEyes-xm7elАй бұрын
Oh my gosh i will have to live off 700.00 a month. I am better off dead
@CLOLopez-fo8tuАй бұрын
Oh! Don’t say that! I’m sure that there’s a solution somewhere!
@AngelEyes-xm7elАй бұрын
@@CLOLopez-fo8tu nope. Been searching 7 months. Nothing. My car is my home.
@ninastump76162 ай бұрын
thanks
@medicare3652 ай бұрын
YW
@bosik47722 ай бұрын
Your comments about Irmaa are ridiculous!
@x.y.73852 ай бұрын
How so?
@bosik47722 ай бұрын
Irmaa is applied with income over $200k, and progressing to total over $500 per month with income over $350k. This is huge amount for families when this is a one time annual income. Nobody addressing it…
@TenMinuteTripsАй бұрын
@@bosik4772The video briefly touched on IRMAA toward the end of the video, but that’s not what this video was about. Also, your numbers are a bit off in accuracy. The lowest end of the sliding IRMAA scale for Part B and D is $103,000 to 129,000, for a person who filed as single, two years prior to signing up for Medicare Part B. I just retired in August of this year, but I earned $120,000 or so in taxable income for 2022. That puts me in the lowest end of the five scales. That means that I will be assessed an IRMAA add-on in 2024, for my taxable income in 2022 and will likely pay an IRMAA assessment through to 2026. I just retired, so my taxable income will drop off precipitously for the next couple of years. If you’re married, filing jointly, and if you or your spouse still has a high paying job or declared income source, you will likely still be subject to the IRMAA assessment. It’s not a one-time, forever, income assessment. It goes back only to two tax-years prior, and is reassessed annually. Hope that helps.
@BigFluffyPupАй бұрын
Wrong information. My mri is $140. ½ of what you claim. Stste how much psrts g/n cost fot 80 year old. You state cost for 65 y o onlu
@joniboulware1436Ай бұрын
The number of possible pricing combinations makes that impossible don't you think?
@toma7682 ай бұрын
Sick of this type of $ analysis. It is very simple. If you are and think that you will heathy, then pick N to save a few hundred dollars. A better choice may be advantage plan, save you a few thousands (why NOT). If you have some health issues and want peace of mind, then pay a couple hundred dollars and pick plan G. It is just hundreds of dollars different not thousands.
@chuckg6039Ай бұрын
Way too simplistic. Glad you aren't an agent
@ricfaxАй бұрын
@@chuckg6039 : Don't assume. Might be an agent.
@ItsMe-rr9nhАй бұрын
I will still pick Plan G as I am not going to gamble on my health 5-10 yrs down the road. I am pretty much healthy now, and am 5 months out of being age 65
@chuckg6039Ай бұрын
@@ItsMe-rr9nh your pick. I'll stick with N and save significantly and still have 99 percent of a G plan
@JudyGerbigАй бұрын
What about Plan F for 2025
@medicare365Ай бұрын
What about it?
@deannanance8843Ай бұрын
I thought plan F was discontinued unless you had it for years already?
@JudyGerbigАй бұрын
@@deannanance8843 I have had it since 2018. I’m 80.
@lindamullens5545Ай бұрын
I was grandfathered in, but they raised it so high it was unattainable for my income and one visit a year. Had to give it up. It saved me $660 a year even after the then just under $200 deductible.
@lisalinnae9844Ай бұрын
Thank you. You explain this so well. Appreciate: Wrote down your phone number.