Here's How Much We Paid With Medicare | Medicare Supplement vs Advantage

My mom saw a total of $709,440 in bills related to her cancer battle over the next 10 months. In this video, I show how much she would have had to pay if she were on Original Medicare only versus what she would pay on a Medicare Supplement plan or a Medicare Advantage plan.
Hospital Indemnity & Cancer Policy Video
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⏰ TIME CODES ⏰
0:00 Mom's Last Gift
1:06 Part A Expenses
7:29 Part A Winner
8:34 Part B Expenses
11:10 Final Totals
12:14 Important Considerations
14:42 Mom's Plan Was...
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#medicare #90daysfromretirement
Federal Disclaimer:
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

[@Theretirementnerds]

2 minor corrections: The 1st Part A - Medicare paid amount should show $8,000 - not $7,000. A note comes up as we write it. Luckily, this number is not consequential for the purpose of the video. 2. The date on the final picture should say: 1953 - 2024 Thank you!

[@Matlockization]

I didn't know where this video was going, but I'm glad that your costs were relatively minor. I'm sorry for your loss. Diet is important. What are your thoughts about the Burzynski’s cancer clinic ?

[@goodlucking244]

I’m so glad to hear your mother succeeded so long while having cancer as a potential part of life. Thank you for sharing your family’s personal example as a clear view of a particular case and how things work under different coverages and plans.

[@debbiedebbie9473]

I'm sorry for your loss. Thank you for the information.

[@jenatsky]

Why didn’t you cover MC Hospice coverage? You’ve painted an incorrect picture to viewers!

[@Theretirementnerds]

@@jenatsky she wasn't on hospice until the final hours of her life. As in... 3 hours.

[@64intrepid]

This must’ve been a very difficult video to make.I admire you for still wanting to help people with this information it had to be a little painful.

[@Theretirementnerds]

It's been almost 2 months. Keep everything together pretty well until I see those pictures or random things will trigger memories. I'm glad she's not suffering anymore. Will always miss her. Thank you for watching and taking the time to write your comment 🙂

[@donreinholz8121]

So sorry for your loss. Excellent video. Cancer sucks. God Bless.

[@saraw112]

I’m sorry for your loss. Thank you for this info.

[@tonydugal5275]

My condolences about loss of your dear mother. Thank you for sharing her Medicare information as a teaching opportunity. Your videos are among the very best, as you present with clarity and authority.

[@angeli1332]

My condolences on the passing of your Mom. 🙏 Thank you so much for taking the time to make this video. Its really helpful. New subscriber here.😊

[@QbnAmCan]

I work in healthcare. Many doctors just abused the system. I just had an 86 year old patient going through Chemo that has Aortic Stenosis (valve doesn’t open enough) and her doctors are trying to talk her into having it replaced. They want to do the surgery before she dies of cancer. I have had patients with Dementia, Alzheimer’s and Parkinson’s al with the same valve issue and they DO THE SURGERY! All to prolong the misery of both patients and caregivers and to enrich themselves. DISGUSTING!

[@annlanham211]

Sad that this happens.

[@rlarsen000]

Having an advance medical directive and medical power of attorney in place before need is important. So is letting the hospital know these things on admission. My wife was a nurse and knew what she was heading into, so she had all this in place (as do i). She made sure before her last hospitalization that I knew to specify DNR and no intubation. She had been fighting cancer for six years. I respected her decision and the hospital did also without any question.

[@billytheweasel]

@@rlarsen000 Respect. Thanks for sharing that.

[@jhmstagg9104]

On the other hand, I was planning to live to be a 104. At 86 that replacement might come in handy for me.

[@aljay2955]

The medical system in America promotes legalized theft. What if a person starts paying health insurance at 20 and is now 60 and never used the insurance. You never get a refund of any of it, the insurance company just keeps the money. Total ripoff.

[@user-oz9fs1xs9u]

Thank you so much for doing this comparison. I was caught by a Kaiser Advantage plan Oct- lot of diagnostics, no hospital stays and hit my MOO of $6500 with MRIs + biopsies. As you say MOO reset with the calendar year and I got another hit up to MOO. Thankfully- at the end of it all: there was nothing 'wrong' with me, just inflammation! And it left me $13,000 poorer! I still think it is criminal that 70 year olds are supposed to 'figure out' their best gamble. Maybe if ALL public office holders were limited to original Medicare coverage, things would change.

[@Theretirementnerds]

Thank you for sharing your experience. Happy to hear you are ok. Sad to hear the cost 😳

[@kristiG5259]

Pay $25/month.

[@cgilleybsw]

explain please @@kristiG5259

[@cgilleybsw]

completely agree with you. Put those SOBs on Medicare as long with the entire federal workforce.

[@c.m.303]

@@kristiG5259 Great solution, I hope this person reads this comment!

[@canadiangirl]

My husband is battling Cancer in Canada. He is also 70. So far we have been charged $45.00 for an ambulance which I can claim on my income tax. He has spent 3 weeks in hospital so far, has had ultrasounds, MRI’s CT Scans, radiation and chemo treatment.

[@Theretirementnerds]

Thoughts and prayers headed your way 🙏 Hope all goes well and thank you for sharing!

[@johnl5316]

The gove can can put him down for free in Canada

[@paleghost]

@@johnl5316 under an advantage plan they could decide not to approve the treatment or stall until you died. I was in London UK recently and was treated by their national health plan for pneumonia. I cannot overstate how much better the level of care was compared to the US. At my local hospital I'm lucky if I can get through the checkin paper work within a couple of hours. At Queens Hospital in London all they needed to see was my passport and I was being treated by a Doctor within 20 minutes. As I was checking out of the hospital I asked how I would be billed. No charge.

[@CraftEccentricity]

No you haven't. You and others have paid taxes all their life to cover it. So, how much have you really paid?

[@Vicki1930]

We are so fortunate 🇨🇦and now basic dental . Great legacy from Tommy Douglas 👏 🇨🇦

[@braincramp1000]

Having just retired and signed up for Medicare I researched Medicare extensively. This is the best video I've seen. It makes everything very clear.

[@Theretirementnerds]

Thank you so much! So glad it was helpful!

[@cgilleybsw]

seriously? I'm not criticizing the video, but this is not "care" in any sense of the word. This is government malfeasance.

[@lindamacfarland8468]

I agree totally about this video! I just finished signing up in March. I'm just seeing this video today. I'm accomplished with my Medicare choices and this video confirms. I will use this video to show friends and family that I assist in their medicare choice.

[@c.m.303]

@@lindamacfarland8468 Just make sure you look into those advantage plans if that is what you picked...they have thousands of complaints of refusing to treat patients. They get X amount from medicare for each person, and it's all profit if they don't have to pay for care. It's a horrible experience if you have an emergency and find out they won't approve services and you'd have to get them to "release" you if you find out the hard way and want to return to original medicare. But they just can't seem to find that request.

[@bwhiteman1]

I agree with you, the very best video. RIP peace dear mom......

[@texaszag8748]

Another elephant in the room is that the advantage plan typically requires the private insurance (advantage provider) preauthorize treatment and increasingly cap treatment based on algorithms that in many cases disadvantage the patient. This caveat cemented my decision to pony-up for a supplement plan and just budget for those premiums.

[@papacharlie-niner148]

100%. The Prior Authorization (PA) requirement for Advantage will be a deal-breaker for me. Nobody should have to play Russian Roulette with their health and that's what the PA system is. People have died from routine PA denials. Only eligible medical treatments are covered by the OOP max, and guess who gets to decide what is eligible or not? The insurance company. Kafka himself couldn't have come up with a more absurd conflict-of-interest setup.

[@texaszag8748]

@@papacharlie-niner148 It’s quite sad here in the US that in so many cases we have the fox guarding the henhouse. You can see from the way capitalism in the US works that the system was always rigged for the capitalists.

[@MaryC-ug4pf]

@@papacharlie-niner148 I've had an Advantage plan for over 10 years and have never been denied a single thing. I went through stage 3b colon cancer treatment.

[@NoSpam1891]

If you think Advantage is good look up Clover Health.

[@MJFisher76]

The MA plan would deny the approval 1-2 months after hitting the max out-of-pocket.

[@debrabolton7748]

We lost my mother on Christmas Eve 2021, ending an 8 month battle with cancer. We went through chemo, transfusions, and hospital stays nightmares all during this fight. The doctors never gave us the true facts on her condition. They kept giving us hope that she would recover up till the very end. My heart goes out to you and your family.

[@Theretirementnerds]

Thank you, Debra! 🙏

[@H2SO4H20]

Medical science is not exact and the power of hope not understood. My mother was told in her hospital room in my presence that she had at best six months to live due to colon cancer. She instead lived another 20 years during which she survived hip replacements, shoulder surgery and breast cancer (twice) only to die of heart failure in 2021 at age 95. She might still be alive if she had gotten the heart valve replacement she wanted but she was excluded because of her age.

[@dr.nigelcool3771]

It's a terrible shame, something similar happened to my dad. I don't think the doctors are deliberately trying to do excessive treatments and surgeries just to make a buck, but there is always some pressure to bring in more money, and this has to influence their decision-making at least subconsciously.

[@BillGreenAZ]

I had heard of people going bankrupt due to medical bills even after having Medicare. This presentation showed me how having supplemental insurance on top of Medicare could help me prevent that from happening. This is the best presentation on how to avoid this that I've ever seen.

[@Theretirementnerds]

Thank you so much!

[@mpare49]

By contrast, my wife lived with stage 4 ovarian cancer for 8 years. During that time, she received countless amounts of chemo at excellent hospitals in Ontario, Canada. Her care and the various drugs extended her life well beyond her projected life expectancy. The only expenditures for which we were responsible were the hospital parking fees.

[@rb239rtr]

Ontarian here, A fellow Ontarian emigrated to USA with her husband- at 60 she was diagnosed with terminal cancer. Her insurance company refused to pay for anymore treatments due to the terminal nature. Her oncologists believed with good care, she would have 2 or 3 years of quality living. She hired lawyers, sued her insurance company to continue treatments that although won't save her, will giver a couple good years of life. So now she is in palliative oncology care, covered by her thieving insurance company, enjoying the start of a second year of EOL. Why so many people want this system in Canada staggers me.

[@os2958]

@@rb239rtr Agree. Imagine if someone did not have the money for lawyers. The corporations are very good at marketing and persuading people

[@chelseacraft4669]

Because Canada protects its citizens from being gouged by the wealthy class.

[@tapps1010]

@@rb239rtr Usually comes down to "sticking it to the libs" idiocy.

[@commonsense6967]

@@tapps1010Actually, it comes down to having choices, and the ability to be seen far more quickly for cancer diagnosis and treatment than in most socialized medicine countries.

[@cybergal99]

Wow, this is one of the best pre-Medicare videos I've seen. I'm 64.5 and 6 months away from Medicare and this was EXTREMELY useful!! Thank you!

[@Theretirementnerds]

So glad it was helpful! Thank you so much for spending some time with us!

[@mesister3862]

Very helpful. I've decided to keep paying for my state retirement insurance instead of picking up Medicare. They require I pick up the supplemental prescription plan in order to keep my insurance. Seems like a better package. I also have AFLAC cancer/heart and icu coverage.

[@Steve-nb9kg]

Very good example of Medicare options. My mother's ICU stay of 11 days was billed at over $500K and she paid only $1800. She had a Medicare supplement plan.

[@Theretirementnerds]

Thank you for sharing Steve! Do you know what supplement plan she had? Paying $1,800 for something on a supplement plan is rare. Maybe she had a High Deductible plan G?

[@jimshoe402]

I was in ICU for 13 days + PT place for 2 weeks = ZERO BILL .Been retired 2.5 years ZERO BILLS..ALOHA

[@gailrodgers3079]

@@Theretirementnerds I agree. Sounds like some kind of mistake.

[@Corkfish1]

Which plan???

[@Steve-nb9kg]

@@Theretirementnerds I think it was United Health, a plan she got through my Dad's company he retired from. I don't know much more than that.

[@user-vz5ff4yi8e]

I’m 72 years old and retired, live in the UK, in Jan 2019 I had an MRI scan which showed tumours in my spine. After various tests I was diagnosed with Solitary Plasmacytoma of the bone and Multiple Myeloma. They gave me radiotherapy daily for five weeks this was followed by keyhole surgery to clean the tumour from my vertebrae, and injecting orthopaedic cement into my vertebrae to repair it. After this I had five months of chemotherapy, this was followed 5 months later by a stem cell transplant in December 2020 which required a 4 week inpatient stay in hospital. Since then I have to take low dose chemotherapy daily and have been in remission ever since. Due to our healthcare system in the UK I have paid nothing for my medical care other than our usual taxes.

[@ChatGPT1111]

So is your purpose in commenting on the U.S. healthcare benefits to gaslight all of us? Isn't there a U.K. Channel you can troll?

[@jmash7751]

@ChatGPT. Goodness! A little touchy, aren't we? There is nothing wrong in his pointing out the obvious lunacy of the American healthcare benefit system.

[@herrickinman9303]

@@ChatGPT1111 You're the troll, and you're misusing _gaslight._ According the Merriam-Webster, _gaslighting_ is 1) psychological manipulation of a person usually over an extended period of time that causes the victim to question the validity of their own thoughts, perception of reality, or memories and typically leads to confusion, loss of confidence and self-esteem, uncertainty of one's emotional or mental stability, and a dependency on the perpetrator. 2) the act or practice of grossly misleading someone especially for one's own advantage. It is a fact that our healthcare system in the U.S. is the most expensive in the world, but not the best. Let me guess. You're a Republican, you voted for Trump in 2016 and 2020, and you're going to do it again in 2024.

[@ChatGPT1111]

@@jmash7751 If we includes you, you are 100% right. So I suppose you're another foreigner who has no problems. Why do we have to pay for your defense and security? Because you're too pussified to hold a weapon, boo-hoo. Get a life.

[@shadowguard3578]

@@ChatGPT1111​​⁠what a bizarre comment.

[@Riprazor]

First, I am very sorry for your loss. As a 63 (as of this month) semi-retiree, I have been searching for a video just like this. I am sending the link to a dozen of my friends who have been looking for something like this as well. I cannot tell you how much I appreciate all the work that must have gone into this during a very difficult time.

[@Theretirementnerds]

Thank you so much for watching and sharing ❤️ Your kind words mean a lot 🙏

[@eleonorabartoli2225]

Yes, this video was great. I signed up last month with Original Medicare and a High Deductible Plan G: the broker I went to never mentioned it but it was on the Medicare site for my state and I first heard about it in YT videos like this.

[@tioswift3676]

@@eleonorabartoli2225 Probably because there’s no point to have a HD plan, it makes no sense.

[@eleonorabartoli2225]

@@tioswift3676 It is actually because the HD plan premiums are much lower(around 40$) than the G plans (around 175$), so the broker commission is much lower. My liability is limited at about 2800$ a year and I have money for food to keep me healthy. It makes perfect sense to me.

[@eleonorabartoli2225]

@@tioswift3676 Actually, it is because the premiums are so low that the brokers do not make much in commission. HD plans make A LOT of sense for people who do not have an extra 200$ a month but who still want to be protected from impossible to pay bills. My HD -G plan premium is about 40$ a month and gives me a maximum out of pocket liability of 2,600$ a year. You need to inform yourself!

[@easternacademy]

With original Medicare, it's much easier to determine what will be covered. There are no guarantees with the prior authorization process. Although there are new rules to speed the process, imagine the stress of having to wait for the determination and the real possibility of denials and appeals. I worked in healthcare for 50 years. I've seen what that added stress does to the healing process. When I went on Medicare, it was a simple decision based on eliminating for-profit insurance companies from my healthcare decisions.

[@tombkk1322]

Did you have a supplement plan G?

[@tioswift3676]

Supplement plans are for profit insurance companies.

[@maryshkamiceli8388]

I'm glad you wrote that ! I saw my Mom struggle with worry about her medical care with her HAP when she was sick. Worried about losing her insurance if she went outside her plan even when I paid out of my pocket to get her 2nd opinions. Her worrying about her insurance status wasn't conducive to her getting well. Stressful for everyone in our family.

[@buggsy5]

Supplement plans make their money from monthly premiums plus whatever your OOP maximum may be. The advantage plans make a lot of their money out of denying care, which they know most people will not fight. Both types of coverage are provided by for profit insurance companies. @@tioswift3676

[@buggsy5]

I think that out-of-network bills plus possible denial of care are the two major fears of people on advantage plans.@@maryshkamiceli8388

[@eduardooramaeddie4006]

Wow ! 😢I'm so sorry about your mom, but that bill was huge, thank you very much Eddie

[@Theretirementnerds]

Thank you Eddie. Appreciate your support for so long!

[@holgermessner851]

That’s completely insane! As a German, I am always shocked about the US hospital and insurance stuff. My aunt had to call an ambulance for herself after she opened the bill from the hospital in Denver CO. Her husband who died after 8 days in hospital, had 8 days earlier an emergency and was rushed to the hospital. So my aunt who wasn’t feeling well, losing her husband, opened the envelope and just broke down, without switching to the last page. $547,000!! for 8 days hospitalization! If the USA isn’t switching to a maximum $$$$ cap on medical and hospital bills (pharmaceutical companies and hospitals can charge people) this will not end well. Luckily my uncle was a lifetime member of the army, the bill was paid in full. With older people, this bills can be a shock. But what was my aunts thoughts & reaction after living 38 years in the USA? She sold everything and moved back to Germany. She was scared to death of getting old and ending up only for one week in the US hospitals!

[@Birdylockso]

She didn't understand how these bills work. It is like a "list price" that no one ever pays. If you have insurance, it will argue for you and pay for you at a discounted amount, because you have paid monthly payments to the insurance company. If you have no money, many would just ignore the bill. Then the hospital would send the bills to a "collection agency" to hopefully get the money back. Hospitals have budget to allow "non-payment" each year. That is why also they mark up the prices, knowing full well, they can only get fraction of that money anyway. It's really crazy.

[@sideler7057]

This video didn't cover expensive Rx drugs either as mom didn't need them. That can be thousands extra just for those depending on insurance plan. And these expenses are for folks without a job, i.e. retired. Not sure why Americans tolerate this insanity, but they do.

[@Maruman_man]

Yet you can't convince Americans who have never traveled that other countries have better Healthcare systems

[@GUITARTIME2024]

All insurance plans have a "maximum yearly out of pocket" amount. No insurance plan would have made her pay that whole amount.

[@845karolewithak]

I'm sorry for the loss of your mom. Sounds like she was a real fighter. Praying for peace and comfort for your family. God bless you all.

[@Theretirementnerds]

Thank you so much!

[@carolynknaack4484]

What a comprehensive comparison! Thank you SO MUCH. How mind boggling for seniors to make decisions.

[@Theretirementnerds]

Thank you so much for watching!

[@gailrodgers3079]

It is mind boggling and since so much of it is online, for those seniors who are not online it is even harder. I ended up on disablity in my mid 40s and when I had to sign up for MC and it was the first time that MC-D (the prescription plan) was availbable. I was on a lot of meds and so I was very careful to be sure I signed up for a plan wherer my meds were covered and that I wouldn't fall into the donut hole. I used to sit waiting for my script to be done at the drugstore and several times I saw a senior get told that their medication cost was suddenly $200+ as they had fallen into the donut hole. I wanted to cry for them. Someone helping them, if anyone, wasn't on their toes at all.

[@jaindeau772]

Yeah, and the worst part is that we’re essentially stuck with the decision we make at age 64/65.

[@user-zg4hn7tq8u]

Thank you, for helping us understand. My mother died and it was pretty devastating. God Bless you during this difficult time.

[@tripflycfi]

I just subscribed to the channel. I have watched three of your videos and then was presented this one by YT. This is such a powerful video. Your mom is helping so many other people and you are continuing her tradition- right now, we need folks like you and her more than ever. Condolences and heartfelt thank you

[@Theretirementnerds]

Thank you so much! Appreciate you so much! ❤️🙏

[@PorscheSpeedster-kz6nc]

Thank you for sharing this personal loss and turning it to a valuable lesson for all of us. A gem that carries on!!!

[@Theretirementnerds]

Appreciate you taking the time to watch and comment. Thank you!

[@mikehenderson2039]

Thanks for helping others, despite what you're going through! I always learn something from your videos...I have two uncles in their 80s who have Advantage Plans, but I'll share the info on Hospital Indemnity to help save them a lot of money and stress! Your mom would be SO PROUD of you!

[@scot60]

I’m sorry about your mom. She was a brave soul to battle cancer for so long. God bless her memory and those she leaves behind.

[@Theretirementnerds]

Thank you 🙏

[@michaelmiddleton3311]

Cheers to your mom! I lost both my folks within 10 months of each other. Signing up for SS next week and Medicare shortly after. This has been very helpful!

[@Theretirementnerds]

So glad it was helpful! Thank you for watching!

[@buggsy5]

If you are age 65 or older when you start SS, then the government will automatically sign you up for Medicare Parts A and B.

[@m.mickeypayne9811]

This is outrageous. I now understand why I met 88 year old folks working full-time at Disney World while on Social security. Cheap insurance .

[@ej2953]

Another source of relatively cheap insurance would be to go back to college and sign up for student insurance.

[@sw23971]

I would suggest to anyone looking at what type of coverage would work for you is to understand that the Advantage plans promote free dental, hearing and vision coverage. An actual medical need for those issues would be covered by the insurance but the Advantage plans promote those benefits which are just eye exams and low cost prescription glasses, dental plans in usually restrictive hmo networks and hearing plans which are for a yearly hearing test and discounts on hearing aids. The point is the cost of an annual dental cleaning or eye exam shouldn't blurr the actual need for a serious medical insurance plan which is laid out quite well by the presenter.

[@brettster3331]

I am so sorry you lost your lovely Mom, Thank you for you hard work keeping us informed about Medicare we all its complications.

[@Theretirementnerds]

Appreciate you so much!

[@cf7045]

Thank you so much! All of the stuff gives me a headache, but you do an excellent job in explaining it. You have my deepest sympathy for the loss of your mother.

[@Theretirementnerds]

Thank you so much 🙏❤️

[@beoz658]

Sorry to hear your mother passed away 🙏 And thank you for this great video. SuppG saved and saves my brother a bunch of money. 16 visits a month for light therapy 11 days in icu. I start on Medicare with Supplement G tomorrow 3-1-24

[@Theretirementnerds]

Congratulations on the move to Medicare. Thank you for watching and sharing your brother’s experience. Appreciate you!🙏

[@ptg01]

Well done !!! From what I gather, the bottom line is if one is on medicare and have some serious illness, supplement plans are a no brainer in order to get care anywhere vs being restricted to in-network providers for Advantage plans....

[@buggsy5]

Among other reasons, yes.

[@douglasvoncannon3073]

Clear as mud. Insurance has always made my head spin.

[@lc4011]

Oh, gosh, I am so sorry for your mother's suffering before her passing. Bless you for sharing this information - bless you! I've subscribed!

[@Theretirementnerds]

Thank you so much 🙏

[@user-ol4pi4oh7c]

This is insane. Thank you for explaining what most retired or soon-to-retire Americans DO NOT UNDERSTAND. Your chart and explanation shows how complicated and convoluted our healthcare payment system is at every level and in every circumstance. We need a national healthcare system.

[@Theretirementnerds]

Thank you for watching!

[@chelseacraft4669]

Stop electing wealthy people & things will change.

[@edennis8578]

Oh, sure. Then we can have the feds messing up everyone's healthcare, not just the vets' or Medicare. Forget that.

[@edennis8578]

You do realize that Medicare **is** nationalized heathcare?

[@buggsy5]

Just making advantage plans illegal and have everyone use original medicare with supplemental plans would greatly simplify the medicare system.

[@kathleenmatthews1737]

Please accept my condolences for the loss of your mother. Thank you for the great visuals as they applied to your mother. It helped me understand what is best for me and I'm sure it has helped others.

[@Theretirementnerds]

Thank you so much Kathleen. Appreciate your kind words and I'm glad this was helpful. Just responded to your email :)

[@user-hc6so5ul6o]

Thank you for this video and my sincere condolence on your mother's passing. This is important stuff and as I near "that" stage of life, I am putting in the research to not get caught short on time to figure it out and panic. I'm a recent subscriber and very glad that I found your channel. You are straightforward, clear and thorough, with information that is very helpful. Cheers!

[@Theretirementnerds]

So glad you found us! Thank you for your kind words!

[@Spucky50]

So brave to make this video. Thank you, its very helpful. Your mom must have been very proud of you.

[@Theretirementnerds]

Thank you so much! ❤️

[@Quackamoley8]

Thank you for sharing your personal story. You made things very clear. Loved the photo at the end!

[@Theretirementnerds]

So glad it was helpful! Thank you for taking the time to watch and comment! I love that photo as well :)

[@resortwearllc2535]

I'm SO sorry for your loss.😥Thank you for the video. You're amazing. Cheers!

[@Theretirementnerds]

Thank you so much ❤️ 🙏

[@lynnpardo]

I have worked in medical billing and this a concise explanation. Thank you so much. I can recommend this as viewing for everyone beginning Medicare.

[@Theretirementnerds]

Thank you so much!!

[@ph5915]

It's really great to break things down like that, in simple charts, makes it easy to comprehend. My former employer had HRAs for (Medicare age) retiree plans but they ended that a year ago I think, and the only thing they now offer is the one Advantage Plan. A couple of older team mates of mine felt they had to switchover to that. For me, I don't care how "cheap" it is compared to real Medicare and Supplement plans, if there's any way at all to afford that route for me in 5 yrs, that's where I'm going! I am certain your Mom and the family was glad at least no one had to go through any shenanagins over coverage and care, during the worst and most stressful of times! Such beautiful and loving pictures you shared. ❤

[@Theretirementnerds]

So glad it was helpful. Thank you for taking the time to watch!! For peace of mind, supplement plans are great. Can get expensive, especially in certain areas. The HRA was a big help for sure. Appreciate you!

[@buggsy5]

You are wise. When you select a Supplemental plan, chose one that covers the 20% co-pays that Medicare Part B does not cover. Plans G and N are probably the best choices for most. Shop around for the carrier - the monthly premiums can vary greatly. I think the so called "member saving rates" of AARP are the highest - around 300% higher than the least expensive.

[@ph5915]

@@buggsy5 Thank you! Yeah, G and N are pretty good. Seems that the N plan has a lower/slower yearly increase, over time it make a huge difference!. I was kind of thinking G-HD might be good too, but it might feel like more of a hassle coughing up the money upfront if you have an expensive few years, always getting bills. I've been fairly healthy, but that can change over the years! Plus, once you set your plan, it may be difficult to switch to a different one....

[@theodorejay1046]

Thanks for this. Makes me want to stick with my United AARP Supplement plan 🙏

[@ioanstokowski1647]

Erik it is brilliant how you go into all those details and provide such a wealth of information off the cuff without missing a syllable. You really make the complicated subject intelligible. Most of all, since I already benefited from your expertise and chose my plan before you lost your dear mother, thank you for sharing the pictures and her real-life example. She was so beautiful. Hang in there buddy ❤

[@Theretirementnerds]

Thank you so much! Appreciate your support 🙏❤️

[@lindawilson4625]

So sorry for your loss. Thank you for presenting this in such a clear and understandable way.

[@Theretirementnerds]

Thank you so much, Linda!

[@jorasparents]

Oh my gosh. This video was amazing. My husband retires in four years. I hope you're still making videos by then! Thank you!

[@Theretirementnerds]

Thank you so much! We plan to! 🙂

[@SillyPutty3700]

The complications of this process are staggering!

[@LisaSimplified]

So sorry for your loss. This video was really helpful and is much appreciated.

[@Theretirementnerds]

Thank you so much, Lisa!

[@Walter37165]

Thank you for this. I recently turned 65 and had seen your videos before and literally yesterday I got approved for my plan G medigap supplemental plan.

[@billykellum]

So sorry to you and your family on your Mom. Thank you for sharing this to us as I know it must have been very difficult.

[@Theretirementnerds]

Thank you 🙏

[@MaleGolfer]

I am so sorry for your loss. Thank you for your courage and fortitude to make this presentation; it's very helpful.

[@Theretirementnerds]

Thank you so much for your kind words!! Appreciate you!

[@CC-kl4nh]

My mother has cancer. Her bill was initially 6 figures. $100k plus. Nuts!

[@Theretirementnerds]

Hope she's doing okay!

[@terrysmoak3691]

Excellent presentation, most practical I've seen to date. You are a brave man presenting a most painful, personal event. It was extremely helpful as I ponder retirement SS and M'care options. Thank you...

[@Theretirementnerds]

Appreciate you! 🙏 so glad to hear it was helpful!

[@4tarsus]

Extremely helpful & informative, thanks for sharing the details. Very sorry for your loss.

[@Theretirementnerds]

Appreciate you!

[@LisaBeeWilson]

Thank you for bringing this information forward. It must have been difficult, so thank you. Sorry for the loss of your mom.

[@Theretirementnerds]

Thank you, Lisa ❤️🙏

[@JagLite]

Excellent information as always. Thank you for using a real example. Mom would be proud you did because it will help many of us make better decisions.

[@Theretirementnerds]

Thabk you so much for your support! Appreciate you, and glad it was helpful!

[@kurtfischer2319]

Thank you so much for this video. God bless you and your mom.

[@Theretirementnerds]

Thank you, Kurt!

[@commonsense6967]

Thank you for this detailed video. You have helped so many seniors understand the various choices and potential outcomes available with Medicare plus supplement vs. MA plans.

[@Theretirementnerds]

Thank you! Appreciate you! So glad it is helpful!

[@carefulconsumer8682]

Thank you so much. We're looking at plans my grandparents have and trying to decide how to proceed. Your video helps a LOT! Thank you.

[@Theretirementnerds]

So glad it was helpful! Thank you for watching!

[@Stilllookingood58]

Thanks for the great info as usual. Ive shared your site with everyone who asks about my retirement! You helped me tremendously❤

[@Theretirementnerds]

Appreciate you, Faith! So glad we have been able to help and appreciate you sharing. Thank you for your support!

[@janischristiansen6689]

My Medicare Advantage plan paid for my heart attack, subsequent stroke, 2 week in a hospital, 5 weeks in nursing home and all home treatment more than 120,000. I only had to pay 300 for ambulance!

[@lgp4960]

Will you say who your medical provider is?

[@buggsy5]

I have never seen an Advantage plan that did not have an out-of-pocket amount, usually in the thousands of dollars. You must have exceptional Advantage plan coverage. And where did you get ambulance transport/treatment for only $300 co-pay? Ambulance bills usually run in the high hundreds to thousands of dollars.

[@janischristiansen6689]

@@lgp4960 I had Blue Cross live in Minnesota and had my heart attack in 2015...

[@janischristiansen6689]

@@buggsy5 I was shopping right next to the hospital so don't know why if that was less. I had Blue Cross and live in Minnesota and this was in 2015. Not an expensive plan....

[@janischristiansen6689]

@@lgp4960 Blue Cross not an expensive plan..

[@garyjcoy]

I am sorry for your loss. Thank you for this video. I just subscribed.

[@Theretirementnerds]

Thank you so much!!

[@michaelweaver8953]

So sorry for your loss. Hope you and your family are well and memories of her bring you joy.

[@Theretirementnerds]

Thank you so much 🙏

[@beverlysnow9315]

I’m so glad I went on Medicare when I did and was able to get a Supplemental Part F. I went through cancer treatment, including surgery, 4 months of chemo, and 20 radiation treatments and did not pay anything. Medicare realized how much $$$ they were losing by offering a Part F, so do not offer any Part F anymore. Luckily, those who did enroll in a Part F when it was available, were are grandfathered in. I can’t imagine how to keep up with all these choices.

[@Theretirementnerds]

Plan F is a beast! Glad to hear you are better and still with us!

[@cgong415]

how much does it cost now to purchase Part F if we want to have it?

[@AdrienneKushner-qi6cl]

I also have cancer and paid nothing with Part F. Extensive surgery, 6 days in the hospital, numerous surgeons, doctors, medications, and a visiting nurse. I didn't have to pay anything.

[@cgong415]

I only heard of supplement plan part G and part N, what’s part F?

[@buggsy5]

You can no longer get Plan F, but Plan G is almost identical and Plan N is a close third. The difference in annual premiums for the G and N plans might well cover the slightly reduced coverages they provide. @@cgong415

[@davidhawkins7138]

I live in Canada and am undergoing cancer treatment. I don't pay for anything, not even parking, and the care has been outstanding. It's so sad to see your mother's treatment cost in the richest nation in the world.

[@angelasoWA]

My uncle is battling pancreatic cancer in Toronto and his oncologist there won’t step up to allow him to take meds outside of what Health Canada recommends. In the US, the cancer treatment is way ahead. Yes it’s expensive but your life, more life is priceless.

[@rb239rtr]

@@angelasoWA Ontarian here, 37 years ago, PMH oncologists and OHIP pulled me from the grave due to curing me from a stage 4 cancer. The Health Canada system is good for a population of 40 million people, a bit more problematic for a single individual. In the USA, every new drug is embraced by paid doctors, driving costs up. Health Canada, on the other hand asks how does this drug improve outcomes, if not much is seen, the drug is not approved. Ultimately, these drugs do get approved, but at a much lower cost. All of the doctors that I have dealt with have been strongly ethical in my treatment, whether they were my GP in my home city, my ocologists at PMH, or at a Sunday walkin clinic that I recently went to. I would hope that your uncle's doctor was not being lazy, but instead acted on more ethical beliefs regarding this new drug. Each province does have a fund for un-approved procedures, as well as the pharmaceutical companies, who obviously have an incentive to have these drugs approved in Canada.

[@chathammkm]

If I may be so bold to ask, how much do you pay for your health care through your taxes?

[@rb239rtr]

@@chathammkm It's complicated. Healthcare cost per person in Canada for 2023 was approximately $6000 USD per person, with nearly 100% of the population covered. Most of the funds come from general tax revenue, which includes federal and provincial sales taxes, income taxes and excise taxes, and in some provinces an additional tax levy. Personal income taxes are half of government revenue, sales, excise and business taxes are the other half of government revenue. So, 1. if you are a street person pushing a cart, earning zero dollars, you have zero taxes, therefore you pay zero for your healthcare 2. If you suffered a tragic accident and can no longer work, you will get government stipends for disability, you will pay taxes, likley at under 10% of your income, some of that would go for health care. 3. If you are an adult student in college, earning minimum wage, some of your taxes will go to healthcare. 4. If you are well paid, you are taxed at high rates, a bigger portion of your taxes goes to health care 5. If you are retired, you are earning less income, you pay less taxes, so less of your taxes go to healthcare Under the health care laws, every member (virtually 100% of Canadians) get medically necessary coverage, they cannot be kicked out of the system, there are no co-pays, there is no loss of coverage if unemployed or moving to a different company or province, and there are no insurance administrators talking with your doctor about your healthcare. Unregistered Canadians are usually those who do not apply when turning 18 yrs. Well paid people do pay more in taxes, so they do contribute more to the health care of others. Basically, well paid people carry the burden, they are actually paying forward for healthcare in their old age. Right wing think tanks in Canada say a couple earning $150k CDN has about $11k USD of taxes for a family of 4 directed into the health care system, but they never say that disadvantaged people benefit also. Comparing this to USA, Medicare costs $940 Billion USD, which is a tax of $2800 for each man, woman and child, so, likely Americans and Canadians pay the same taxes for healthcare, except that if you are under 65 in the USA, either you or your employer have to handle your own insurance. Total health care costs in the USA are 60-70% higher than in Canada. All that being said, it is a great system to handle the health needs of an entire population, from the modestly rich to the poorest. But if you are wealthy, you do have to wait your turn.

[@sct4040]

The US is a 3rd world country.

[@ocean694]

Thank you for an excellent illustration of how things work under medicare !

[@Theretirementnerds]

Appreciate you tuning in!

[@juliesanchez5790]

That’s a crazy amount. Thank you for sharing. So sorry 😢for your loss

[@Theretirementnerds]

Thank you! 🙏

[@J_Neighbor]

This is an excellent testimoney for high-deductible plan G, if a column were added in. I haven’t done the math yet, but it appears on the face that it would be the lowest total cost option, and eliminates the medicare advantage issues of doctor-choice and the long waits for insurance companies to make treatment decisions.

[@Theretirementnerds]

Different example, UT we did a similar video a while back with High Deductible Plan G: kzbin.info/www/bejne/g4jVf5uQjJ2NmbM

[@71suns]

Insurance companies are a legalized protection RACKET

[@cgong415]

The picture of you and your mom together is so lovely and touching. Thank you for the video! I can only understand the fraction of the content. I also heard there is a Part D in medicare, not sure what that is.

[@Theretirementnerds]

Thank you so much. Yes, we have a few videos on Part D. Here is one: kzbin.info/www/bejne/m4jcZ6xtbMiMeK8

[@cgong415]

@@Theretirementnerds Thank you again!

[@adamniederklein6965]

Appreciate your thoughtful and thorough analysis. Admirable.

[@buggsy5]

Part D is drug coverage. That coverage is often included in advantage plans.

[@charlesrichardson8635]

Great analysis. I do think the physician/hospital restrictions are more important than the very short part you had at the end here. I plan to send this video to a couple of friends who are hitting 65 soon.

[@Theretirementnerds]

Thank you so much for watching and sharing. It is important!

[@user-ld7cv8be1m]

So sorry for your loss. Thanks for sharing this.

[@Theretirementnerds]

Thank you so much!

[@ronaldkemp3952]

I'm not a doctor, not giving medical advice, this is my testimony. I was diagnosed with stage 4 NHL large b-cell in 2017. I had months to live. I have insurance but the cancer was so advanced I doubt I would survive 2 weeks of chemo and radiation let alone 4 months of it. I couldn't walk, couldn't drive, could barely stand without being in extreme pain everywhere. I had tumors, one large on on the top of my head they removed to do a biopsy on, and had smaller ones growing on my neck, shoulders, arms, sides, chest and back. My lymph nodes were all extremely swollen. I was in so much pain and was too weak to even drive. He told me if I didn't go through their treatment most people don't make it beyond 5 years. I felt if I went through chemo and radiation for 4 months it was going to kill me. I asked him if there was a natural treatment for cancer that wasn't so evasive and he said he didn't know of any. I declined the chemo and radiation and went home. I did some research, and in less than 20 minutes found personal testimonies claiming dandelion root tea helped to shrink their cancerous tumors. I thought what the heck. I was going to put my trust in the people who tried it themselves before the advice of a doctor getting kickbacks from drug companies, and other agenda. So, I bought some dandelion root supplements in the form of capsules by Nature's Way and began taking them every day. 2 months later I made an appointment to see how far the cancer had advanced. My family doctor could not find any of the cancer cells in my bloodwork. He pulled up my shirt and looked all over my body for the tumors and they were all gone. There was nothing left but indentations in my skin where the tumors had once been, That was then and I'm still in complete remission. I take 3 in the morning (1.575 g) when I get up, before I eat, so it has enough time to digest before eating. It's been almost 7 years and feel so much better. I also try to stay away from artificial sweeteners and sugar. I notice when I eat a snack with sugar the cancer tries to come back. I ate a little debbie pie 2 days ago and I'm feeling it. So I'll take 3 capsules in the morning and 3 at night before bed and I'll be feeling normal again in another day or so. Sugar is so hard to quit, worse than the addiction I had to pain meds many years ago. All sweeteners and sugar should be outlawed. Too tempting. We've got to be strong and resist temptation. Edit: I didn't go back to see the oncologist and I saved myself from having to pay insurance co-fees or the gas to drive out of town every day, 60 miles to get treatment. The pills were delivered right to my door.

[@carolann4087]

Way to go! I would do the same, there are tons of natural cures for cancer. I never understood chemo anyway. If they give chemo to a healthy person, it will make them very sick, so how do they expect to give chemo to a sick person to make them well? It doesn't add up to me!

[@MeherScholar]

Thanks for sharing your experience. Do you allow fruit?

[@ronaldkemp3952]

@@MeherScholar Do I allow fruit to do what? I'm confused.

[@HulaShack1]

@@MeherScholar Fruit is sugar. Cancer feeds on sugar. Do the research.

[@user-hc6so5ul6o]

@@HulaShack1 Sugar is a toxin, and yes cancer does feed on it. But the fructose in fruit is not unnatural to the body the way sugar is. Ok to have some fruit, just don't overdo it.

[@steveludwig4200]

Sorry for your loss...Thanks for sharing this information.

[@Theretirementnerds]

Appreciate you!

[@ellenscott6793]

Thank you for this great explanation, you did a great job of simplifying Medicare options.

[@Theretirementnerds]

Thank you for spending time watching 😊

[@brucemcclelland904]

My experience confirms your opinion. I somehow survived a sudden cardiac arrest that required 9 days in the CCU, and then a couple of years later, I was treated with radiation (8 weeks) and hormone therapy (2 years) for prostate cancer (now ‘cured’). I think the total retail bill was close to a million dollars for the two cases, yet aside from regular premiums for Part B & Supplement, I think I only ended up paying a couple of thousand overall. The takeaway for me was how important it was to have had some good advice to make the right choices when I became Medicare eligible. This video contains a lot of the same good advice, so thanking you on behalf of all who watch this and listen.

[@Theretirementnerds]

Thank you Bruce! Glad to hear you are cured!

[@buggsy5]

When shopping for insurance, beware of agents that try to sell you advantage plans. Their commissions are much higher than what they get with Supplemental (Medigap) plans.

[@c.m.303]

@@buggsy5 Exactly! advantage plans should have been banned a decade ago, but it costs medicare less so they ignore all the complaints of being denied services.

[@buggsy5]

@@c.m.303 Actually, advantage plans cost Medicare far more than the standard supplemental plans. With advantage plans, Medicare pays the plan a fixed amount every month, regardless if whether the subscriber needs care or not. That is an additional incentive for the advantage plan to require pre-approval, which delays treatment. It also incentivizes the plan to deny care - even when the proposed care is obviously appropriate. But my biggest objection is that the plans, with their pre-approval requirements, are actually telling physicians, that they know better than the subscriber's personal physicians on how to treat any illness. They should be required to pay for any care that Medicare has deemed appropriate and paid - just like advantage plans do.

[@c.m.303]

@buggsy5 Yes I agree. Sorry it wasn't very clearly written. According to the testimony I heard, in the long run Medicare does pay less with that one lump payment and it is done. The second part that encourages denials is the appeal process just goes back to the same process that denied it. There is no oversight by Medicare or any other agency. And they have been aware of the refusal to treat for over 10 years. It's a terrible plan that only works if you don't get sick or injured.

[@rad608]

Condolences on your mom!........ The biggest downfall of the Advantage plans is eventually the costs will skyrocket, the same way the HMO's did 30 years ago. And when that happens, you'll be older and sicker and won't be able to switch back to Medicare.

[@buggsy5]

That is correct. The insurance company lobbyists talked congress into making it easy to go from Supplemental plans (Medigap) to advantage plans - but almost impossible to do the reverse. Once on an advantage plan, you are pretty much stuck there for the rest of your life.

[@geralddonnely9844]

I remember when you first started telling us about the situation, very sorry to hear about her, lost 2 brothers to it already so I know this video wasn't easy to make, thanks for all you do.

[@Theretirementnerds]

Thank you so much!

[@tonyb7416]

I am so sorry for your loss. Thank you for all that you do.

[@Theretirementnerds]

Appreciate you, Tony 🙏

[@gecko2000405]

You pay all your life, just to pay more.

[@miriambertram2448]

What you pay for Medicare payroll taxes is nothing compared with the benefits. As a self employed person I paid both sides ie 2x what you did.

[@gecko2000405]

@@miriambertram2448 Good for you. My mother and many others never lived long enough to see the benefits. The Medicaid portion needs to be removed from the system. It should be -pay-in/pay-out.

[@bogofusion]

US medical financing is barbaric

[@Madronaxyz]

The philosopher Geothe said that when you want to critique a work of art, you do not say how much you like the work of art. Instead you asked the question, what was the artist trying to do I learned this in college in 1974. It has helped me analyze confusing situations ever since. So the question that makes our medical system make sense is, " how can we transfer as much money from the pockets of the poor and the middle class into the pockets of the 1%? There is always someone that is benefiting from a confusing system.

[@neorandy]

But it makes providing insurance profitable.

[@marcyoliver3439]

I am sorry about the loss of your mother and what a kind and thoughtful man you are to do videos like this. In just a few years I will be be eligible for Medicare and this information will be so valuable!!! Thank you so very much. ❤

[@Theretirementnerds]

Thank you, Marcy! Appreciate you!

[@virginiagilmour4912]

Thanks for sharing and for your excellent analysis and explanations. So very sorry for the loss of your beautiful mom.

[@Theretirementnerds]

Thank you so much. She is sorely missed!

[@rc6664]

Thank you for a great analysis. I appreciate you sharing such a difficult time in life to help us.

[@Theretirementnerds]

Thank you for spending some time with us!

[@tylerfoss3346]

Excellent, very informative video! Thank you! Prayers for your Mom and for you & your family.

[@Theretirementnerds]

Thank you so much ❤️🙏

[@marklk8787]

So sorry for your loss. Thank you for using your personal situation to educate the rest of us.

[@Theretirementnerds]

Thank you for not only watching, but taking the time to write this. So kind. Appreciate you!

[@leilanihimmelmann9190]

Your videos are always so informative. Thank you so much.

[@Theretirementnerds]

Appreciate you! Means a lot!

[@shahnawazvlog6266]

Great video, deeply sorry about your mother! My love one pass away 3.5 years ago, I know what it like to be in and out of the hospital. Sad when we said goodbye, but there are in much better place and no more suffering and pain.

[@Theretirementnerds]

Thank you so much. Appreciate you! It is sad, but I agree. Glad she's not suffering anymore.

[@TheCyberserf]

I'm so sorry about your mother. Thank you for continuing to educate us in your time of mourning.

[@Theretirementnerds]

Thank you so much ❤️🙏

[@user-se1mi3si9d]

Excellent video Erik. Your channel is so informative, and you make it easy to understand. Hats off to you and your entire team. Sorry for the loss of your mother.

[@Theretirementnerds]

Thank you so much!! ❤️🙏

[@jhors7777]

Great video and channel. Thank you for posting this helpful video. Best wishes to you and your family, and so sorry for your loss.

[@Theretirementnerds]

Thank you so much! Appreciate you!

[@narasimhavempaty3]

Excellent presentation. This guy has such clarity of expression👍

[@Theretirementnerds]

Thank you so much!

[@gilochoa2980]

Thank you so much for this info on a very complicated and personally difficult topic for you. I definitely have subscribed to your channel.

[@Theretirementnerds]

Thank you so much! Appreciate you 🙏

[@sithbk0075]

My condolences for your loss. Thank you very much for posting this info for all of us to gain the knowledge from your past experience. You made the information very clear and better than the Medicare experts. I’m glad your feed popped up on my KZbin feed and to thank you for your video I smashed the like button and subscribe to your channel. 2024 is my first year with Medicare after 24 months of disability benefits. I had to do a lot of my own research on Medicare and which one is best for me. I had originally planned on part A/B with supplement part D/D. But at the end I decided to go with Medicare Advantage because I required a specialty prescription drug that regular Medicare doesn’t cover. Aloha!!!

[@Theretirementnerds]

Thank you so much! ❤️ So glad you found us and that it is helpful!

[@HappyOne3]

Thank you so much for your diligence in this matter.

[@Theretirementnerds]

Of course! Thank you for spending time with us!

[@miked5728]

Thanks for the great videos. Sorry about the loss of your mom.

[@Theretirementnerds]

Thank you so much!

[@daveh893]

Very sorry for your loss. Thank you for breaking down the costs. I've been on Medicare & Supplement since I retired (I'm 71), but my monthly supplement premiums are getting close to $300 a month. I'm considering changing to an advantage plan so this video is helpful in the information you provided. Thanks.

[@Theretirementnerds]

So glad it was helpful! We have a few cost comparisons like this in a playlist on our channel if these help. The rising costs of supplement plans can get tough for sure. Appreciate you!

[@criticalthinker8953]

Hi, sorry about your loss. This was a good detailed analysis of a real situation. I have been on medicare for almost two years. I chose the supplement route (plus a prescription plan) primarily because I am cynical about pre-approval requirements for advantage plans. Fortunately premium pricing is not my primary concern. Flexibility is. I have community rated premium pricing through United Healthcare AARP so it's not age dependent.

[@lashlarue59]

When you say Medicare & Supplement do you mean Part A + Part B + Part C(Medicare Advantage)?

[@buggsy5]

There is no pre-approvals, so it is not an advantage plan. @@lashlarue59

[@buggsy5]

Unfortunately AARP supplemental insurance is probably the most expensive available - around 300% higher than the lower cost providers for the same plan. @@criticalthinker8953

[@janesparks4912]

Sorry for the loss of your beautiful mother! 🙏 Thank you for this in-depth look at a confusing subject. Im one of those who have been afraid to move away from original medicare. Your whiteboard breakdown of costs is fantastic. Thanks again!!✌️🖖😎💜

[@Theretirementnerds]

Appreciate you! Thank you for watching!

[@johnmcgrath6192]

Good oppresentation. ... The only time I went to the hospital in 16 years of retirement on my Medicare Advantage Plan I paid nothing (though I do make a medicare monthly deduction for medicare from my Social Security check). I did have to pay 10% of the ambulance cost. At $1500 a mile this can add up. Since my ride was about 1/8 of a mile I only had to pay $150.

[@toobalicious]

Thanks for this. VERY useful.

[@billww2869]

Thank you for the video it’s informative. The one thing that is different between the Medicare plans and advantage is that advantage is not Medicare. Also because they are not a PPO type insurance there is major problems with getting approved treatments even after doctors have approved them. I know that that’s not something that you are able to discuss but it’s definitely something that people need to be aware of.

[@lesliem2041]

My condolences to you and your family on your mom’s passing & my gratitude for this explanation of the different Medicare options. You do your mom proud with your work.

[@Theretirementnerds]

Thank you so much ❤️🙏

[@marymack4105]

I’m so very sorry for your loss. This will help so many people.

[@Theretirementnerds]

Thank you, Mary! I sure hope so!