How to Choose a Medicare Supplement

[@sweaner]

I am a physician that is about to be on Medicare. This video is excellent, and has steered me towards Plan N.

[@MrBobJourneys]

Plan N all the way. It's the most logical. Glad I found your site.

[@IsaacCheng8]

Plan G. Peace of mind because that's what insurance is for. Time saving over money saving because that's what retirement is for.

[@Rnjeepshoelver]

Amen , I am totally healthy , no hx of any diseases and take zero meds but what did I get Plan G , lol

[@AndyT-c2r]

I'm a piece of mind type person and have been with plan G since going on part B of medicare. I was in the health insurance industry my entire career but since retiring I have used you as my source. As deductibles rise so do premiums so every year I have one of your agents give me a quote.As long as you stay healthy and can qualify let Matt get you a quote. These plans are all standardized by the government and all medicare supplement companies have to pay if you are excepted. These educational videos are great especially if need good explanations . Thanks Matt for all the time you give for those who need explanations. Well done.

[@Alison-nh9ku]

I've had plan N since I turned 65.

[@ziva1]

Me too

[@susanestes3704]

I'm a plan G. This year I have had a lot of health concerns and take great comfort in knowing that I don't have to worry about any costs. Thank you for everything you do and for the help you've given me to decide.

[@MedigapSeminars]

One mantra i find myself repeating to people over and over again, "You should get today the insurance plan you will want to have when you are sick or injured, because once you are sick or injured you cannot change supplement plans." Your comment point to that exactly. You are stuck in one of the best health insurance plans in available anywhere. Not a bad place to be stuck in. 😃

[@eziofazzi7078]

I was going to get a D & G plan for my sister in Jackson Tennessee.. how much will it be. I don't need any mind bending info. Just the cost

[@jimselvy6157]

Had no clues about Medicare. After dad passed and mom moved near me, I asked to attend a meeting with a Medicare consultant similar to you. So many terms and strange explanations different than my traditional insurance. She ultimately went with a Plan N and is happy with it. I have since watched many KZbin videos. Your are easily the most no nonsense and easy to follow. I don't go on Medicare for until May 2027, but I will will definitely give you a call as it gets closer to help me navigate these strange waters. I was looking at High Deductible, but not leaning toward Plan N now. Thanks for making a confusing topic, everything government touches is, much clearer.

[@MedigapSeminars]

You are welcome

[@tonyfrances7760]

As I continue to learn more about Medicare, I believe that Plan N suits my needs. Thanks for your help.

[@tomschmidt381]

Several years ago my wife and I worked with you and switched from Plan F to N. Been happy with the result.

[@qifanghe5829]

I have been using Plan N for 4 years and still like it so far. Thank you for your great video!

[@DouglasCrock-h6e]

Plan N. Started on G but premium increases were reaching double digits per month. No increases on N in 3 years other than the yearly age increase of a few dollars a month.

[@kathyhaddon4012]

Very comfortable with plan G as per your expert video advice when signing up when I was healthy. Now that medical issues have surfaced I am VERY VERY thankful for your knowledge!

[@CathyWharam]

N....because of course, the $ savings each month..don't visit PC that often..and I really examined all the plans before starting either. It's been 2 years. Was not concerned about extra charges exceeding charges due to the reasons you have so expertly explained. Really appreciate your video

[@katherinefrederick8191]

Wow, so good. I have talked to a Medicare specialist - won't say from which company but tons of likes and videos for her - and have asked specifically about the plan N co-pay and left that meeting still not understanding when a co-pay would be charged. Thank you!!

[@MedigapSeminars]

you are welcome

[@1pfennig]

I began with you in 2018 and have been very grateful for your clear and concise wisdom and guidance. After our discussions back in 2018 I chose PLAN N. I am still with Plan N and after this video and hearing you explain the different personalities that might pick a G or N plan. I am for sure and for certain a PLAN N personality.

[@drewmcg8613]

Plan N all the way!

[@justmeinnh2]

Plan G... I haven't seen a medical bill in many decades and I want to continue that until I leave this hell hole!

[@bobbiewendorf]

I think I’m a plan G but it depends on how much more it is than plan N. I have to consider the price difference to decide for sure.

[@MedigapSeminars]

Let us know if we can help. Don't forget the importance of the insurance company choice as well. kzbin.info/www/bejne/hGfCZaiAa7ucjJY

[@larrydalton2205]

I just retired as an insurance agent and now newly on Medicare starting after age 65. I initially applied for Plan G but changed to Plan N before it went into effect. The key is that the Co-pays are not for every medical treatment. Initial savings is about $30-40 monthly, and I expect the premium increases to be lower than on G. I wish I had presented Plan N more frequently when I was an agent.

[@curmudgeoncapitalist]

I'm a plan N because I spend 1/2 the year outside the US

[@johncurtis920]

Nicely done presentation. You properly summarize the two choices and do what many don't, allow your viewership the intelligence to make their own decisions as to which is best for them. Refreshing.

[@MedigapSeminars]

Thank you

[@pamkleinsmith7941]

Plan N for sure!

[@garynosotti8999]

You explained N and G very well. I plan on retiring at the end of May. I will be 66 1/2 years old and with the same company for 45 years. It is time for a life change. I will be in contact with your firm. Thank you

[@MedigapSeminars]

We look forward to it. 800-847-9680

[@olivern4784]

High deductible plan G

[@miessy9633]

Plan N person and I just enrolled in plan N. Wow, you described me to a T. I love to save a dollar using sales, coupons, ect. even if I don’t have to.

[@alw7499]

Just started with Medicare. Plan N, btw, we love coupons!

[@barbarabarnes8635]

Will go with plan N this spring when I turn 65. Thanks for all your videos!

[@MedigapSeminars]

you are welcome. Please reach out to us when the time comes.

[@debragorman9885]

I'm feel like I'm a plan G personality! Thank you so much for this valuable information. Im 64 and ready to sign up for Medicare and you've answered so many questions for me.

[@MedigapSeminars]

Great. Please reach out to my team. We will enjoy helping you: medigapseminars.org/contact-us/

[@Rnjeepshoelver]

Lol , I told my husband just that when I sign up I have a G personality , with a ‘stand alone gold’ vision and and gold dental policy , lol , my part D will be cheap ( currently not on meds)

[@VeganWithAraygun]

3:35 I hoped to hear your review of F hd & G hd, but am glad I've learned details about plan N that I didn't know before.👍🏼

[@MedigapSeminars]

I just did a video on the high deductible plans a couple weeks ago: kzbin.info/www/bejne/q6fFm6uudsdlqsk

[@brendathomas-r7q]

I will be plan N for all the reasons u cited. ALSO in May I will be contacting you to get my Plan N supplemental plan. Thank you so much! It is a HUGE decision, not to be taken lightly.

[@MedigapSeminars]

You are very welcome!

[@stevenbridges1248]

I chose plan N as choice in health care provider and saving the on monthly rates as doctor visits are rare. Your insights are appreciated. Thank you!

[@bigd3104]

Plan N, I think. Plan on starting sometime next year. Rarely see a doctor and i can inquire about excess charges when the time comes. Wont be drawing a large monthly amount, so price matters.

[@MaryBethMcCoy]

I am one of your clients and I am a Plan N.

[@alan19844]

I must have watched at least five hours' worth of video so far trying to decide between plan G and plan N. This is by far the best video I have seen in describing the differences between the two. Thank you so much for your in-depth explanation. I'm very sure I will be picking supplement N.

[@joanclayton1181]

I went with Plan N and starting January 2024. Very happy with my choice!

[@ruthgalloway655]

Plan N for me. We have had plan N since retirement, we have been healthy, no problem with the copays.

[@marilyngaylord7585]

Plan G. Thank you for this video! Have a great holiday!

[@anthonykatsaras6671]

Matthew, great series of videos on the Medicate selection process. Plan N is my choice...I can't thank you enough!

[@BettyBLS]

Plan N. Very helpful explanation!

[@ItsNotMe621]

I have Plan N and have had it since I signed up for SS and Medicare seven years ago.

[@Ettienne_p0v]

I've had Plan N for three years and intend to stick with it. I haven't yet come across a provider that charges excess charges, and the copays aren't a big deal since I only pay a few per year.

[@MedigapSeminars]

Sound like a great fit and a good value.

[@SLT-vp7nf]

Plan N. Thank you for your very informative videos

[@MedigapSeminars]

You are welcome

[@greyholcombjr.9623]

I'm on plan N. Savings with great benefits.

[@tomm7505]

I signed up for Plan N for April when I turn 65. It will work best for me.

[@floridagypsy4040]

I am on plan N. Feel i made the right choice. You are the best with this medicare info.

[@MedigapSeminars]

Thank you. I appreciate the compliment.

[@mohawkin]

I am 66 and I went with plan G. I chose it for the reason stated in the video…

[@mschmelzer]

Wife and I will most likely be Plan N when we get on Medicare next year (2024). Thank you for your helpful videos!

[@MedigapSeminars]

You are very welcome. Feel free to reach to us for personal guidance: medigapseminars.org/contact-us/

[@deinstaller]

N for me and G for my wife. She goes to the doctor almost once a week.

[@markmitchell6534]

Haven't made decision yet, but this information was great! My wife just went on Plan G, but she is definitely more focused on peace of mind. I am a numbers cruncher, and will evaluate the potential savings. Thanks!

[@scipio8419]

Plan N. My wife and I are healthy and rarely use medical services.

[@latifburdick3061]

Plan N. On a G for 5 years, don't use the doc much, could sure use the savings for my wife and myself. Will be changing soon and will contact you.

[@bennri]

I'm a Windows/Android guy so you'd think I'm N but no, I'll go with G. Computers are one thing but doctor bills are too much for me to debug!

[@quilino59]

I have been in good health all my life thanks god, I think plan N is right for me.

[@MedigapSeminars]

I hope it is always that way for you.

[@bradleysonthemove5790]

Peace of mind, Plan G

[@ohiopat]

I'm on team Plan N. Especially since I'm in one of the 8 states that don't allow excess charges. Even if I wasn't I wouldn't worry about it.

[@MedigapSeminars]

😄

[@joanngeer]

Just discovered your videos today. Will be watching more of them - thank you. Leaning towards Plan N.

[@MedigapSeminars]

Feel free to reach out to us with any questions or for specific recommendations 800-847-9680

[@kleibow]

I am a Plan G person and my wife is a Plan N person. Your videos are very informative as my wife and I are almost at the age to sign up for Medicare.

[@peterercolano6915]

Thsnk you all your information. Very usefull. Very understandable.

[@paulstein916]

I went with plan N over plan G because the premiums in Florida are probably among the highest in the USA. I figured the break even number of office visits where plan G would come out ahead and it was about 20. Since I average about 5 visits per year, I went with N.

[@MedigapSeminars]

Good choice and analysis. Yep, South Florida is especially expensive.

[@Ron4885]

Me too. I went with Plan N.

[@stevemay1647]

I have had a part G for several years, but now that I am turning 77 the price is going up to $200.60 (Humana) so I am thinking more about plan N.

[@MedigapSeminars]

@@stevemay1647 You will likely have to qualify medically. We will help you determine if you can qualify and show you how much you can save. Call us at 800-847-9680 medigapseminars.org/request-a-quote/ medigapseminars.org/contact-us/

[@paulstein916]

@@MedigapSeminars The premium differential between plans N and G has only grown larger in the last 4 years. I’d rather have plan G and not have to track the small $20 copays, nut it doesn’t make financial sense to spend the extra dollars for the higher premium. By the way, I had my first telephone Dr. Visit and it was billed with a specific billing code for that, so it was covered 100% by Medicare and my supplement. It was not billed using the regular codes for in person office visits. No copay.

[@LarryKelly]

I’m a plan N guy. Don’t worry about excess charges as my state of Ohio doesn’t allow them. I’m probably stuck with my plan and company for as long as I can pay for it. I can no longer pass a underwriting review.

[@bigwilliearmitage]

That's the biggest worry for me going into this: the idea that you have to choose correctly the first time because you may never be able to change. The same is true for those who abandon Medicare for an advantage plan. If that "too good to be true" private insurance plan begins to delay and deny medical care -- as seems to happen more and more -- you may not be able to come back. Scary stuff.

[@gray_wolverine63]

Thank you. I have been sharing these videos on my Facebook. I will be calling. Thank you again 😊

[@lindabrewer3243]

I am PLan G all the way. Yes, it costs more each month, but it paid for itself within the first couple months of this year.(2023).

[@harrietjames3259]

Like my plan G so far .

[@ranman1959]

I’m going with plan N when I turn 65 next spring. The $29 a month savings would equal 17 doctor visits. And I live in a state where excess charges are not allowed.

[@MedigapSeminars]

sounds like a good decision! medigapseminars.org/contact-us/

[@20greeneyes20]

I came here for answers and i got the help i needed. Thanks for everyones commets as well. I need all the help I can get. Plan N it is. !!!! 😉

[@MedigapSeminars]

you are welcome. medigapseminars.org/contact-us/ reach out for personalized guidance. Have you seen this video on the important of choosing the right insurance company? kzbin.info/www/bejne/hGfCZaiAa7ucjJY

[@laurabrown4331]

I have plan N almost 10 years now. Glad I choose plan N never had to pay large medical bill after a hospital stay.

[@MedigapSeminars]

Are you a Plan G person or a Plan N person? Please subscribe for more videos coming soon! medigapseminars.org/about-us/

[@davidshelton1598]

I am a Plan G person

[@jrwren3353]

Thank you for what you do! I am on a plan N my wife is also. I think it’s a great value.

[@MedigapSeminars]

you are welcome

[@mikef445]

I will be a Plan N based on the facts available currently. Btw, thanks again for your quotes. I appreciate the fact that you were nice enough to give me a quote even though I'm 63 and change. I look forward to calling your office in 2024 when I'm a few months away from 65. Thanks again, Mike.

[@MedigapSeminars]

You are welcome. By the way, in most states you can apply for a supplement up to six months before your initial Medicare start date, just to get the process out of the way.

[@mikef445]

@@MedigapSeminars yes I know btw I’m in Boca Raton Florida so we’ll shop hard for a good company And I’m on your mailing list.

[@MedigapSeminars]

@@mikef445 I am in Jupiter and almost exactly 12 months away from starting Medicare.. I know which company i will be choosing, because no one can compete with their price stability in FL. Reach out if we can help. 🙂

[@mikef445]

@@MedigapSeminars yes, I’ll be in touch. I turn 65 in February of 2025, so August of 2024 we’ll start the process.

[@kimikosmith5823]

which company is that@@MedigapSeminars

[@waywinch]

I plan on choosing plan N it best fits my history of medical care.

[@shesalady5258]

My husband was in the hospital for 11 days. Bill over 100 thousand. All we payed was part B deductible of 200 something last year. He has plan G. Im going with that.

[@TJC1315]

Plan N. It's roughly $30 cheaper than Plan G in my area. I don't go to the dr all that often, so N makes the most sense for me.

[@MedigapSeminars]

Yes, it does.

[@gnd111]

G looks the best in every way

[@MedigapSeminars]

depending on your state, that will require qualifying medically. Get today the insurance plan you will want to have when you are sick or injured. Once you are sick or injured, you won't be able to change plans.

[@EarlyRiser--]

Plan N was my choice.

[@terryshumpert9951]

Plan N. My Medicare will start in February 2024. I have 2 regular checkups with a cardiologist every year. It's unusual for me to need a physician. I am VERY grateful for my excellent health.

[@ROCKMTHI]

From what I have researched you should plan on going to the doctor once a month to make plan G the best option. I have to sign up in three month. Very much leaning to N

[@christopherbuckley94]

This is great info. I'll be 65 in March of 2025, so I'll be in contact with you towards the end of 2024. Subscribed. Leaning towards G now.

[@pattyfewell]

Plan G/ for Piece of mind! I can't afford any surprises. I have a budget & try to keep that for my piece of mind too.

[@MedigapSeminars]

Awesome. Did this video (if you saw it) help with your budgeting targets? kzbin.info/www/bejne/qKDJdJSplNmUg6c

[@davidstephens8550]

I've had Plan N for over 5 years.

[@paulinechoate5974]

I'm in FL and currently G. Since watching this video, I'll be making some calls to compare pricing but if I cant get a lower G premium, I'll be an N. Thank you!

[@MedigapSeminars]

Why waist your time calling a gazillion insurance companies when one conversation with us will do the trick? medigapseminars.org/contact-us/ By the way, FL is an issue age state. That makes the importance of finding the right insurance company critical because it is more difficult to lower your price when you change.

[@julio10004]

I was in Medicare part A and B plus an advantage program (was sold by broker and didn’t do my research right) for 11 months, then in October got a full time position with medical benefits. Dropped part B. Now my employer is going out of business. I am restarting plan B in March 1st. Do I need to qualify to get Medigap?

[@MedigapSeminars]

You have 180-days from the start of your new Part B start date. 🙂

[@NarendraMPatel-s7n]

Excelent video, and thinking to Plan G

[@blunderbus7791]

Plan G Not enough spread in premium where I live and those copays will get more frequent with time.

[@latchmanjamna4338]

Great video, learned much. Plan G Personality

[@rickgilbrt]

Plan N here. We were "early adopters" when my employer first rolled out a high-deductible medical plan with an HSA, so plan N co-pays didn't seem that risky.

[@ronm.nichols2120]

I'm currently researching which supplemental plan to go with and with the help of your videos . . I've decided on Plan N .

[@MedigapSeminars]

Great! we can also help you find the right insurance company medigapseminars.org/contact-us/

[@marybrown8905]

Getting ready to begin plan N. Recently retired RN.

[@afterall19]

I'm currently in a plan G high deductible, but plan to change to a plan N after being on being on this plan for 2 years.

[@CK-tu9fx]

Plan G for my Family

[@marytow4391]

I signed up for plan n with Cigna and my husband switched from G with another insurer. Cigna has a lower price for couples so we are saving well over a hundred dollars a month. I am even happier now, after learning some new things from your video (re diagnostic vs treatment visits and excess charges). I will add that an annual checkup is free from Medicare. You were correct, we are the type of people who always try to save money on our bills.

[@MedigapSeminars]

Hi Mary, thank you for commenting.

[@mrwizard9315]

Thank you for all of the insight you provide. I'm a Plan G person.

[@MedigapSeminars]

You're welcome

[@michaelvolin9749]

I am a plan g person. Great information thank you.

[@bobbyvan4197]

I am Plan N for sure!

[@thomaswinters6586]

Matthew, Based on the helpful videos and personal support you've provided, I decided on Plan G and selected a company you recommended. I'm a "peace of mind" person and very pleased with my decision.

[@MedigapSeminars]

Thank you for sharing.

[@judytitino6172]

I'm still on the fence thinking N..reason only go to Dr an avg of 3 times a year..

[@MedigapSeminars]

You want to get the plan you will feel most comfortable with when you are sick or injured. One thing is certain with all of us, our health will worsen over time. Look at the monthly premium difference between the Plan N we recommend and the Plan G we recommend. Then measure that differenc in "Office visits per month".. For example, if there is a $40 difference between Plan G and Plan N, that is two office visits per month, every month for the rest of your life. No matter how yu slice that, Plan n would be a better value because you will never have that many office visits. medigapseminars.org/contact-us/

[@margaretalletson84]

Thanks for all the useful info.You helped me get my first Medicare plan,and subsequent years Plan F HD.Planning on continuing as I don’t think changing to G or N would benefit me(would it?).Can definitely recommend Matthew for any newcomers..

[@deborah5029]

Plan N all the way…🙌🏻

[@teddysmum8900]

I am on Aetna Plan G, but the premiums are rising a lot faster than the Aetna Plan N (based on Kansas Dept of Insurance info I’ve been tracking for three years). I’d be interested in changing to N, but I am afraid of talking to a sales person and getting stuck with Medicare Advantage or a carrier I do not want. That stresses me out more than the higher premium of G. We had a terrible experience when we first signed up.

[@MedigapSeminars]

Get in touch with us. We will look over all the plans available in your area and help you make the right choice. PS Aetna has really gone downhill in the past three years. medigapseminars.org/contact-us/

[@teddysmum8900]

@@MedigapSeminars thank you!

[@CherylKramer-j5f]

For the beginning I believe I will choose plan n reason being cost for now I really do not go to drs only when absolutely necessary

[@myrnaconway6414]

If the difference in premiums is $15.00 or 20.00 more than N I would go with G