Former SSA Insider Medicare Recommendations

[@MyGovExpert]

😃☎FOR FREE MEDICARE HELP, please call my Medicare partner, Chapter Medicare, 352-841-0632 Private consultation with Dr. Ed? Schedule: calendly.com/mygovexpert/consult Get ALL your questions answered privately AND support all of our FREE CONTENT!!

[@Bhoxmine]

It’s a shame that Medicare is so complicated ☹️

[@MyGovExpert]

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

[@bayareagrl4ever526]

I’ve had Plan G since 2023. I paid a deductible of $226 at the beginning of the year. I was in the ER 2 xs, urgent care a few times, CT scans, knee surgery, etc., never received an additional bill.

[@ChrisSadowski-pp1np]

Unfortunately, that plan G premium will be an albatross around your neck by the time you're 85.

[@AshleyD333]

You are a God send! Thank you for your dedication and invaluable information!

[@nancysmith6685]

​@ChrisSadowski-pp1np Yep my plan G is great about paying everything that Meducre doesn't but the premium keeps going up every year.When my husband passed away suddenly back in 2014, I lost 2/3 of my income. My plan which cost me around 135.00 when I retired, now costs me 289.00. I'm trying to live on my Social Security check. I am on a strict budget I can't afford the annual deduction and with the price of food going up and up, I can't afford enough groceries to last the month. I am in very bad health now so I can't switch to another company because the very second I type in heart failure they turn me down. I'm also trying to support my 50 year old manic depressive/ many other mental problems that I applied fir Social Security disability years ago and they turned him down. I'm 77 years old. 97 percent deaf, can't drive anymore by doctors orders. Can't afford a car and upkeep anyway. I'm stressed to the limit. I can't afford to live anymore

[@ChrisSadowski-pp1np]

@@ItsMe-rr9nh Even if it's $500 a month.

[@ChrisSadowski-pp1np]

@@ItsMe-rr9nh Even if it's $500 a month?

[@davidwyman153]

The problem with all of them, even the 'cheap' Plan G, is that as you get older the cost will increase, generally every 6 months, and they are no longer cheap. But the alternative of getting a bill for tens of thousands of dollars is not real great either.

[@sidney4329]

I got Plan N in New York, but I got it late, three years after getting regular Medicare Parts A and B. My plan N with AARP/UnitedHealthCare costs me $193.50/month this year; next year, the same plan goes up to $233.75. That seems a bit much to me! What's AARP up to? Would it make any sense to switch to the cheapest alternative every year, or stay with a strong company like UHC and hope future increases aren't so much?

[@MyGovExpert]

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

[@lightbulb76]

Switch. AARP/United Healthcare jacks up prices every year. Even if you rarely use it. Same with their life insurance.

[@catpaladin1]

I have Mutual of Omaha. Ist year was $96/m all year. This year it is approx $106/m. (I forgot and don’t want to look it up but about a $10 increase). (Edit) This is a plan G for me. (AARP isn’t up to anything except endorsements of business’ that pay them the most. Like more companies. AARP is NOT an insurance company)

[@marvinamarvin5312]

Thank you so much for your time and explanation

[@MyGovExpert]

You are very welcome

[@class1188]

Thank you for helping everyone understand all this. I have "plan F" its been discontinued by Congress a few years ago. They claimed everyone on Plan F was hanging out at their Dr. too often and was abusing this plan LOL? I have done lots of things in my life but never hung out at Doctors because I have PLAN F that I still have, but no one can get it anymore.

[@ggjr61]

Same for my Mom who rarely went to a doctor. My sister got her switched to a G plan to lower the premiums. A couple of years later she had a major medical event that cost a fortune surprisingly the part B deductible didn’t cause her to not get medical care🙄 It’s just an excuse to transfer some of the costs to the individual.

[@dorothywalters7448]

Thanks so much!!

[@MyGovExpert]

You're welcome!

[@Steve_in_NJ]

I've been on an ACA plan since 2021 and looking forward to going on a Medicare+Plan N next month! Found a Part D for 2025 that covers most my Rx. No More Networks!! Did some homework and I see a PCP and 9 specialists. None of them would be on the SAME Part C Network, so I don't want to start changing doctors (again). Also, turning 65 next month means that my Medigap plan will be the cheapest ever, with lower premium increases as I get older (no medical underwriting for now). Now, ALL of this could change in 2026, depending on what the new U.S. Administration does (RFK Jr in charge?!?!) next year.

[@MyGovExpert]

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

[@clairebear1808]

Its a SHAM! All of it! When did it become a profit making game?

[@cathynielsen-kolding929]

so the monthly premium for B is one price and then you pay another monthly amount for G or N plan?

[@MyGovExpert]

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

[@joeysocks5718]

This helps a lot! Thank you

[@MyGovExpert]

You're welcome!

[@code9604]

Do plan premiums increase during the year? And what is the best plan in 85635 area? thanks

[@MyGovExpert]

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

[@jdtexas2048]

What is average cost of G or N plans? We have had FEHB now being moved to PSHB - never had to think about anything but original Medicare - no 13:46 worry till NOW

[@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.

[@Uplift2023]

Humana plans? Can we switch from Humana to regular Medicare?

[@MyGovExpert]

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

[@vickiechilders759]

What about Humana advantage plan?

[@MyGovExpert]

It really depends on the plan version and YOUR needs. 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.

[@juliedolph-f7u]

I’ll be calling the people you’re recommending. I’m think in I’ll be on a dual plan because I still get a partial SSI along with SSA. And my amount totals $943

[@MyGovExpert]

Hello, give them a call and they'll see what you are eligible for. [phone]. They will review ALL the plans in your area and go over ALL your options. 100% FREE!

[@bonniemartenez5294]

I had to take an advantage plan when I enrolled as I was on SSDI at the time, it was all I could get with my health. I still have a advantage plan, I cannot complain. I am Blessed to have insurance!

[@MyGovExpert]

I agree. Just make sure you review your plan every year. 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.

[@KarlSchohl]

Not true! When you first go on SS you cannot be denied medicare supplement medigap G ir N or any other plan based on your health. It us always 100% acceptance by law. If you continue it each year u can't be cancelled nor singled out for a higher premium if u get sick or use it alot or have mant claims. If you don't take it that 1st year, and continue it each year, only THEN can you be denied due to health.

[@karenaubin325]

My sister is in the same boat. Luckily there are 2 fee for service advantage plans in her area, one of which includes prescription coverage. There are no prior authorizations on this plan, a rare find in the advantage world.

[@RG-hf4et]

I have G & am switching to N. The annual percentage increases in the long run are lower on N. Yes, you will pay $20 for a md visit but so what? You are paying less per month and u will get a smaller raise every year!

[@MyGovExpert]

I agree! I always recommend Plan N first. For FREE HELP with Medicare plans (Medicare Supplements, Medicare Advantage, Part D, etc), please call my Medicare partner, Chapter Medicare, at [phone]. They will review ALL the plans in your area and go over ALL your options.

[@KarenJordan-cd5nx]

thank you

[@MyGovExpert]

You're welcome

[@marvinamarvin5312]

What about if I have Medicare and medical. What group I need to choose ?

[@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.

[@brianne571]

Medi medi right?

[@GG-rj6gq]

I have a Texas Medicare Advantage plan now and a different one for 2025 which pays 174.00 towards the part B with prescription coverage if needed. With my bills, the cost for one of the plans you list are way too expensive. Also, according to much research and ongoing information many hospitals are closing nationwide as well as numerous nursing layoffs. The medical environment is changing drastically. Hospitals and Doctors are high risk negative facilities not there to help patients in the least. Holistic care has always been my plan.

[@PH-cq4df]

What about plan C?

[@davidsy0utube]

Correction: The penalty for delaying enrolling in Part D is 1% for each month that you go without Part D (not 1% per year).

[@SF-gy3oj]

ED, can you do a talk on medical underwriting?

[@MyGovExpert]

I've discussed it a few times. It's pretty easy. The broker asks you about 10-30 questions depending on the insurance company.

[@BangNguyen-ux4ie]

If I am on Plan G high deductible and want to switch to Plan N in the future, would I have to go thru underwriting? TIA

[@MyGovExpert]

It depends on your state. 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.

[@sharonoleary9935]

Yes

[@Retiredmco]

​@@MyGovExpert Absolutely YES

[@yeahright532]

Washington state lets you change Medigap plans without underwriting.

[@sharonoleary9935]

That’s nice VT doesn’t

[@lindalouhayslip9582]

I am 76. Female widow. I have been with Omaha for years now it’s getting higher. Will they stay in good standing. It’s a g plan. Will hospital s begin not to except them

[@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

[@janetwethepeople9390]

They have the least raises on plan N. Just a copay of 20 to dr visits. No hospitals or drs dont take medigab plans. I do billing

[@marvinamarvin5312]

What do you think about scan health company?

[@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.

[@rs4425]

What is the reason for the 263% Part D increase of my plan?

[@Retiredmco]

@@rs4425 The inflation reduction act.

[@MyGovExpert]

A lot of factors...might be time to shop around. 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.

[@roseanndavis4846]

My cousin bought a suppliment she's rich then they don't have d plan drug plan so she paid 50 a year for and got senior care .50 dollors a year but she don't use it just to say you have it.she uses good rx.i wish I could by medial suppliment plan I have united heath care advantage! What do you think

[@josephinede6121]

I have Plan A and B, B is 180.00 do I have to get Plan B it's costing me 180.00 month. I need dental insurance instead.

[@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.

[@jstephens2758]

Our local Blue Cross (supposedly non-profit) offers Plans G and N on a community rated basis. Both cost over $400 per month (2024 rate) and surprisingly, plan N costs $27 MORE per month than Plan G. They do NOT offer a Part D plan, so one has to go elsewhere for that at a average in this area of over $100 per month, although there are some less expensive plans. Five hundred plus dollars a month in premiums make area Advantage plans look fairly good, even after this year's benefit reductions. There are two non-profit Advantage providers with a choice of about a dozen plans overall, plus at least a half dozen profit-making providers.

[@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.

[@mrrodethier]

I am retired and have Postal Service Health Benefits, I am not yet eligible for Medicare, but I am wondering if Medicare and a supplement plan like you talk about in this video, is less expensive then keeping my Postal plan and Medicare?my current Blue cross blue shield plan fee is approx. $600 for self plus one Thanks you

[@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.

[@randyzeilinger9066]

Mutual of Omaha 90 a month plan N

[@MyGovExpert]

Don't forget to review your Part D. 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.

[@catpaladin1]

@@randyzeilinger9066 same group $96 for G for 2024. Just went up to $106 for 2025

[@joo3629]

Is it useless to just have Medicare A&B not affording to get sick on any plan. Age 69 haven’t been to a doctor in 35 years (take no medications) since childbirth and take total care of my health nutritionally and physically so maybe drop paying $174 month for doctor office part of Medicare?

[@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.

[@jstephens2758]

Not going to a doctor for 35 years can mean that a simple problem is not diagnosed before it becomes a major issue. The trouble with deciding what to do for insurance is not knowing what will happen in the future. I was in great health and suddenly developed a very rare condition that required a hospital stay, several specialists, and a very expensive drug that needed to be taken weekly for 8 months. i was fortunate enough to be thoroughly insured. If I had relied upon being healthy for most of my life and had minimal insurance, I would have had to spend many thousands of dollars. With the insurance, I got back all of the premiums I paid, many times over.

[@cathynielsen-kolding929]

What a mess of a mess!!!

[@Retiredmco]

Dr Ed since I'm cheap as you are. Why no love for HDG?

[@MyGovExpert]

I agree. I like those, but a lot of people that consider those struggle to pay the deductible in later years. And their healthcare suffers.

[@Retiredmco]

@@MyGovExpert Fair point Dr Ed, but the moop with HDG is generally less than moop with advantage plan. HDG is a fair compromise between medigap and advantage. Plus I have 50 K plus HSA.

[@annav2125]

Which plan has a MedBed?😂

[@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.

[@janetclassen1144]

OMG !😂

[@carlettewoods3481]

What's you're favorite Medicare Advantage Plan?

[@MyGovExpert]

I don't have one... they are all different based on area and year. 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.