How Living in MINNESOTA Affects Your Medicare Choices | You Are NOT Normal!

[@davidfuith2995]

Lakes. Clear. Concise. You are the best broker-source for Medicare information on the Internet.

[@Theretirementnerds]

Thank you so much!

[@terridrimel1056]

As a Minnesotan new to Medicare, I really appreciate this video! We are so fortunate to have our sports teams, Especially the Twins and our many, many lakes!

[@Theretirementnerds]

Thank you so much for watching! And welcome to Medicare :) Such a great sports area!

[@meet-jamie]

Great video. One thing I mention to people here is that provider networks are very robust in the Twin Cities. Outside the Twin Cities (where about 40% of Minnesotans live) you have to do more diligent research with provider network coverage. Some parts of the state are struggling to get young doctors to move into their areas. Hope you enjoyed your trip. :)

[@Theretirementnerds]

Great point! Thank you so much for adding this!

[@deannrosp]

LAKES! SKOL VIKINGS! Excellent video. I turn 65 in less than two years- this information was very helpful. Thx.

[@Theretirementnerds]

Thank you so much for watching!!

[@pamelaeberle675]

Yes, the Lakers belong to Minnesota NOT LA!! Thank you so much for explaining why MN rates for Supplemental Plans are so expensive. I have been racking my brain and searching all over KZbin to find someone to explain the WHY. I'm indebted to you. I will definitely call you if I have further questions. Thanks much from this Minnesotan!!

[@Theretirementnerds]

Appreciate you! Thank you so much for taking the time to watch! 🙂

[@oleradiodudea.m.4735]

Give it a few more tries online. We pay zero for our Medicaqre Advantage premium (over 65% of Minnesota seniors now do Medicare Advantage and we have never been happier) Lakes Twins

[@bleutitanium6513]

I live in Minnesota... and I plan on retiring in two years.. This is great information to get started with !! Oh yeah.... LAKES !! We have 10,000 of them !

[@Theretirementnerds]

Thank you so much for watching (to the end) 🙂

[@jhors7777]

Yay! Finally, thank-you for posting this video, and all of your helpful videos. Best wishes to you and Utah from Minnesota! I have a sister in Spanish Fork:)

[@Theretirementnerds]

Thank you so much! I was in Spanish Fork yesterday!

[@jhors7777]

@@Theretirementnerds 😃

[@karinhart489]

Once when I was a kid we visited relatives in MN & went to a cabin on Lake Pippin. To us it was just a huge like, but it turns out that it was really a very wide spot on the Mississippi River.

[@Theretirementnerds]

Haha! Makes me wonder what they are counting as a lake in their 10,000 number

[@gladyskravitz1905]

Lakes! There is a Medicine Lake, a short drive from the Target Center where you video'd. Thanks for a concise explanation of MN Medicare.

[@Theretirementnerds]

Thank you so much for watching! Next time we are there, that lake can be the location for a video 🙂

[@anthonygardner400]

So awesome to see you in my state! Sorry we made things complicated for you. Trust me, we wish it were less complicated also. Thanks for another great video. Looks like our Minnesota Lynx won their series tonight and headed to the finals!

[@Theretirementnerds]

Loved the visit! Go Lynx!! Appreciate you!

[@oleradiodudea.m.4735]

Not complicated for Minnesota seniors. Best care, zero premiums and fantastic coverage! Twins Lakes

[@susankrautbauer1987]

I had to navigate the Medicare quagmire here in MN with my mom during an unusual open enrollment when her Advantage plans were shut down. What heartburn that process was, sort of like watching MN teams like the Gophers, Twins, and the Vikings continually trying to win the championships and falling just short of champs. (It’s looking up for the Vikes this year, but too early to really tell). But you were spot on, the costs for traditional Medicare vs. Advantage were significantly less, but she was in her mid-to-late 80’s. We could not have navigated that without an agent to assist, so your advice is spot on. In MN, we have a resource called the Senior Linkage Line and you can call and they will refer you to a qualified, trained agent to help you with the process. Thanks again for your great advice…

[@oleradiodudea.m.4735]

Next time seek assistance from your local senior center. Many seniors in Minnesota understand the systems and the Medicare Advantage plans are wildly popular among seniors. Agents sometimes don't have the perspective of someone who is actually a senior. I have learned to put much more stock in what personal advice is from peers. Twins Lakes

[@susankrautbauer1987]

@ Senior Centers are a great place to uncover resources, but I respectfully disagree with relying on fellow seniors as your primary source of information. Every year things change over on plans, benefits and formularies change, etc. It’s complex to navigate. As for Advantage Plans they have a high % enrollment here in MN, but heads up…Medicare Advantage plans are being dropped by healthcare systems all across the country due to slow pay, high denial of care rates, and closing subscriber pools that are pushing costs up. E.g. the M Fairview system will no longer be accepting Aetna Medicare in 2025. This was brought to my attention by an agent, so combine intel from fellow seniors WITH a licensed agent that specializes in Medicare.

[@oleradiodudea.m.4735]

@@susankrautbauer1987 Thank you for your "WHY AGENTS ARE BEST MANIFESTO". I disagree because Minnesota provides fair and unbiased help at Minnesota's Senior LinkAge Line, They provide help compare plans so you can choose the one that best fits your needs. Their people are trained. They are not licensed to sell so they have no financial bias. Regarding scare tactics like Aetna's situation, that type of thing has been happening since the Medicare program began. Getting an insurance license really only assures the license holder is not a felon. Personal opinions of peers and trained people at Senior Linkage are best. Minnesota is unique about consumer protection. Senior Linkage is a prime example.

[@vickihoffman3360]

Although I live in Vikings territory, I’m GREEN BAY PACKERS fan. I listened to this entire video TWICE, because there’s so much info to consider. Great explanation of the complex MN Medicare system. And you are right…we who live in the Twin Cities have an extensive network of providers. Thank you!

[@Theretirementnerds]

Thank you so much for watching! And that is a bitter rivalry... 😬

[@laurieyoung8776]

There are many reasons we stick around for frozen lakes!! Healthcare- best there is- 🎉

[@Theretirementnerds]

Very solid heathcare there for sure!

[@oleradiodudea.m.4735]

And when we get more generous coverage with an advantage plan for zero dollars premium at the best healthcare providers anywhere it makes the decision super easy! Twins Lake

[@danphillips467]

You are right! I'm not normal and neither is my state. Great video 😊 TY

[@Theretirementnerds]

Thank you so much! Loved my time here!

[@nancykonstantinides876]

Very helpful and yet disappointing as I struggle to learn about Medicare in Minnesota. It’s like learning a new language. I will definitely see an agent to help sort out the best choices. Go Vikings!

[@Theretirementnerds]

So glad it is helpful! We did a tour of the Vikings stadium last year and it was amazing!

[@MichelleJones-p4e]

Vikings! I have been hoping you would do one of these videos on Minnesota. I am grateful to you SO MUCH for providing this information. I will reach out to an agent to get some help. I know I need plan D for meds, since I’m on several, but beyond that I don’t have any idea what to do.

[@Theretirementnerds]

So glad it was helpful! Appreciate you watching and happy to help however we can :)

[@billpick3523]

Thanks for the detailed explanation Erik! It’s reassuring to know it wasn’t just me thinking our state didn’t follow the norm re: Medicare! Will turn 65 in December so your timing was perfect and I’ll review all this good detail in your video again very soon! Glad you enjoyed your visit to the land of 10,000+ lakes and Go Vikings! (I’ll say that often until they lose:)

[@Theretirementnerds]

Thank you so much for watching! Loved the time in Minnesota! That stadium for the Vikings is incredible!

[@conniesuper9892]

Lakes!Thanks for your video!It helps more than you know!

[@Theretirementnerds]

So glad to hear it is helpful! Thank you for watching!

[@ImToastAlso]

This Minnesota plan business is so complicated that it just makes me want to jump into a lake.

[@Theretirementnerds]

It's a bit different for sure...

[@oleradiodudea.m.4735]

Jump into savings and bette3r coverage with Medicare Advantage.Twins Lakes

[@betsydoc3628]

tjegan1417 took my lakes comment, more than 10k lakes. You gave me some names of MN agents awhile ago. Wonder if you got any new ones during your trip. Hope you are enjoying your national travels. What an opportunity for your family.

[@Theretirementnerds]

Thank you so much! Send me an email to [e-mail] Can't tell exactly who people are on KZbin because i just see usernames 🙂

[@ggjr61]

The Minnesota equivalent to the N plan is called the co pay plan. Lakes

[@Theretirementnerds]

Thank you for watching! 🚤

[@FrankBielinski]

Go Vikings! (And Twins, Wild and Woofies). Currently navigating this pre-65, MN, Medicare quagmire. I’ve been studying the system for about a year now. One of my favorite movie quotes is from ‘Shooter’ and applies perfectly here: The moment you think you’ve got it figured, you’re wrong. Fantastic movie scene by the way. Highly recommended. Wife is pre-65 and has been on Part A for 15 years. Here is another gotcha that you didn’t cover: I figured we would go COBRA for the remainder of the year as OOPM had already been met. Found out the hard way that COBRA is 2nd to pay for Medicare. This meant we are responsible for the 80% Part B would have covered while paying exorbitant COBRA premiums that only covered the other 20%. Please do a video about this if you haven’t already. On the bright side, I am so happy to live in MN (born and raised) because of the pre-65 rules and no excess charges. She now has Part B effective Oct 24 (another story entirely). Signed up for D. We’re still trying to get a supplement plan (N equivalent) and making a little progress on that front. Thanks for the video on Medicare in Minnesota. p.s. Everyone is making a big deal about the changes to Part D next year. I agree it is a big deal but there are potential gotchas here too. Of course the $2000 cap doesn’t include premiums. Also, if your drug isn’t on the formulary you chose then you may be responsible for the retail cost and it won’t count toward the cap. Please fact check me but this is what I’ve discovered so far. Loved your video!

[@Theretirementnerds]

Thank you so much for spending time with me and sharing your experience! And go Vikings! :)

[@suemilkbone4868]

Excellent information! Guess I need to make a trip to MN to see all of those lakes.

[@Theretirementnerds]

Minnesota is super pretty in the late summer/fall 🙂 I hear Winters can be intense

[@gaylewatson4554]

Go Vikings! Thanks for the info!

[@Theretirementnerds]

Thank you so much!!

[@tjegan1417]

MN actually has more than 10k lakes....

[@Theretirementnerds]

Now the question is... what's the definition of a lake?

[@TheJthelen]

Initial enrolment here in Minnesota, I'm thinking about the HD-plan F. We've always had a high deductible, employer insurance, with higher premiums compared to the Medigap premium. I maxed out my HSA every year, so the deductible money is there if needed, any thoughts! Great content as always, hope you and your family got enjoy a lake or two during your visit. Your light shines bright, Merry Christmas!

[@Theretirementnerds]

A healthy HSA like that makes the decision much easier 🙂

[@joemccarty2061]

Great video, very informative! I would sure love to save $265/month by going with an Advantage Plan (assuming they’re $0/month that is). Not to mention the savings on Part D, dental, vision, hearing etc. Thanks again!

[@Theretirementnerds]

Thank you so much for tuning in! Got your email :) Appreciate you!

[@effwitt]

You took your kids to sports stadiums, but did they fight over whether you FIRST visited the "World's Largest Ball of Twine by one man" in Darwin MN or the Spam Museum in Austin??? They have a nice lake outside of Darwin, so it's a double win there... I have an appointment to talk to an agent with your local partner firm here tomorrow. It sounds like it'll be a bit more involved than I originally thought.

[@Theretirementnerds]

Haha... we had to calm many fights over the ball of twine or spam... Mostly what's needed to give solid recommendations is medications you're on, providers you visit, or want to visit, and your general feelings about how you want to experience healthcare once on Medicare. Better to get the decision right the first time than wrong and need to change.

[@JETechnology66]

Hello, I just came from your channel to discuss with you some important problems of your channel

[@tomm7505]

Minnesota produces a LOT of weird people and the fact that they have weird Supplement plans just confirms the trend. Land of 10,000 Lakes.

[@Drogonsden]

What is the name of a good broker in Minnesota - 10,000+ Lakes!

[@Theretirementnerds]

Send me an email to [e-mail] and I'll introduce you!

[@ph5915]

Land O Lakes! Like da buttah! 😂I thought you had a MN video in this series a couple of weeks back? Their plan seems expensive and confusing to me. MN & WI are two of the states (generally any around the Great Lakes) that are great to be from a climate resiliancy perspective in a few years. Generally I like cooler temps, but I dunno about deep freezes for many months. Sigh. I just turned 61 yrs old yesterday (Oct 7) so CMS has 4 yrs to sort all this out!!! 🤣

[@Theretirementnerds]

4 years from now could all look much different 😬 we'll see!

[@danselner7720]

Mn Wild

[@Theretirementnerds]

Love it! Thank you! 🏒

[@idakate7]

Best choice I made was to leave Minnesota. It is a dumpster fire.