I'm ENDING The Plan G vs Plan N Debate! 🏆

[@MedicareSchool]

✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool.com/master-medicare/? ✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?

[@werefeat0356]

The standard of living is falling all the time. Prices go up. Food goes up. Insurance goes up. Social Security stays the same.

[@bloozedaddy]

Well it does go up... Using the fake inflation rate😂

[@werefeat0356]

@@bloozedaddy Once you don't go to work everyday, you are no longer useful to the machine.

[@kellynch]

That's why I joined every 401(k) plan I've ever been offered. I funded a Roth using rolled coins. Saving is possible, even when you don't make a lot of money. I learned from an expert - a grandmother who grew up dirt poor as the 8th of 9 children. I'll be working until 67. It can be done.

[@werefeat0356]

@@kellynch Good for you. Many don't realize. Many lose their accounts due to being laid off and unemployed.

[@werefeat0356]

Yup. People in prison burn energy and supply grist for the money mill.

[@BirdandDiz1957]

The price difference between G and N in our area is about $660/year. That equates to 33 co-pays at $20/visit. Rate increases for N aren’t as steep as G. We’re in PA so excess charges are not allowed. Plan N for my wife and I.

[@colemant6845]

Great emphasis on "Stability and Size" of the carrier. Most Important

[@jerrys5946]

This is great info for those entering Medicare. But for those of us on it for years, changing plans is next to impossible. So it is really important to pick the plan you can live with for a long time.

[@BUBBLESPOGO]

Or can afford...

[@farainfarsai5098]

What happens if a carrier goes bankrupt, will another carrier accept, say my plan G without medical examination and preexisting conditions?

[@mikesosso]

Yes. You are then in a guaranteed issue period and can get another carrier with no Underwriting.

[@garya2223]

@@mikesosso Which plans you can get with guaranteed issue (no underwriting) depends on the state. I am in a GI period and in my state I can't get G or G-HD, but I can get F or F-HD.

[@carmenanico2786]

Everything is sky high for less and less. It's overwhelming.

[@Grandpa_Mike]

Took the N plan due to the rate increases of plan G being substantially higher than the N.

[@timothykeith1367]

Is the $20 copay of plan N locked by law, will Congress update the copay in the future ?

[@anitaellis2802]

I took N too. The copay isn’t a definite, it may be charged. The difference in price between G and N meant I could go to the doctor 20 more times with the $20 copay in a year. I currently only go twice a year.

[@boojing]

Ok, so an insurance carrier’s initial rate I can find, but how do I find out about a carrier’s price stability? Why can’t these insurance brokers on KZbin just come right out and tell you directly what insurance carriers have the best price stability? If anyone can speak with some authority on the price history of insurance carriers certainly it would be the insurance brokers, wouldn’t it? So why can’t they spill the beans? Are they restricted by law?

[@gindie1]

Because it's all dependent on zip code. There's no single answer for all areas.

[@MedicareSchool]

One of our agents would need to read some state specific disclosures before they can provide carrier specific information. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@RetardedSissy]

For the same reason a doctor's office won't give you their advice or opinion about any particular insurance. They'll probably get sued.

[@catpaladin1]

My broker helped me with understanding this - but past performance doesn’t guarantee future performance.

[@sidney4329]

So AARP/UHC is a large group, yes? My only problem is I live in NY--my Plan N is very expensive. Less than G, but still, it's really up there.

[@RC-vv6nr]

I agree in New York it’s a crime and money grab from UHC. $242 monthly and then you need Drug coverage, dental & perhaps vision care. It’s not affordable which means less food on table. If you have income under $18k or are an illegal you get it all for free on the tax payers sweat. Go figure…

[@MikeD_]

I suspect Plan N might be more popular in NY than G simply because both are expensive comparatively, but N less so, and that the gap between the two is more than the $30 a month. I don't go on Medicare until later this year, but I'll likely pick an N plan since my understanding is in NY they don't allow excess charges and you can switch between all plans (including in and out of an MA) without having to go through an medical underwriter. That's an advantage of being in NY, yet that's also contributing to our much higher premiums.

[@MedicareSchool]

Yes, NY is one of those states that has higher premium since the population is larger there. Other states like FL, CA, CT and WA.

[@christinedaley5580]

@@sidney4329 If healthy you can always look at HDG.

[@kellynch]

New York is also a community-rating state. Meaning that 65-year-olds pay the same rate as 95-year-olds. I'm in Florida, which is an issue-age state, so my premiums go up when the state insurance commission says they can, not becasue I'm older.

[@ForeverDC_]

Why are the carrier prices different per brokerage companies? Who sets the carrier rates and why aren't they the same when I speak to different brokerage companies? I live in Texas, so if I have to depend on the Insurance Commission to set rates, then we're screwed since our govt in Texas are all in bed with big business and don't care about the people! $4 more a month here, $5 more a month there, $40 for dental, $30 for vision, $590 ded for Rx, $240 ded for B, $100+/mo Prem for Supp, $174/mo Prem for B and on and on and on!! We have paid into MC all our working lives and we cont to get nickeled and dimed to death! Just a little here, a little there like money means nothing at the most important times in our lives when money is limited to most! It's ridiculous!

[@MedicareSchool]

There shouldn't be a difference in prices at all when you are meeting with different brokers. They should be the same price as if you we're going directly to the carrier. We would be happy to review those with you and we share our screen with the information we are viewing so you have a clear sight of that information. We'd be happy to help just give us a call at 1-800-864-8890.

[@jorazor5172]

Great video. Always keeps us well informed.

[@stephaniecoulter658]

A colleague of mine had nightmare scenario w a client on Plan N. Client had major surgery and there was an outside anesthesiologist group used in his surgery that did not accept Medicare assignment and client ended up paying $15k. Client had to pay (they went to crt over it) so how could this be avoided? I was sold on Plan N otherwise.

[@susanhennig9368]

That goes for any plan if they don't accept Medicare assignment.

[@stephaniecoulter658]

​@@susanhennig9368right but it was unknown to beneficiary until AFTER surgery the doc brought in a 3rd party that did not accept Medicare. So question is how to avoid situation? Maybe a statement submitted to docs that u will not be responsible for charges from 3rd parties not accepting your insurance?

[@susanhennig9368]

State of Illinois has law about this. Not allowed. Unfortunately patient needs to verify this prior to surgery. Dumb I know.

[@MedicareSchool]

You can ask the providers directly if they do charge the excess fees they have to disclose that when being asked. Also it's good to discuss if all providers included in the procedure if they accept Medicare to avoid any charges pre-op.

[@RG-hf4et]

​@MedicareSchool Most of us go into surgery not knowing who the anesthesiologist is until the morning of the surgery. How do we deal with that?

[@commshopctr]

I’m 64 going on Medicare in 6 months. My wife is on a “G” plan. I have heard rates are higher on the “G” plan for men. Also heard that the “G” plan tends to have higher annual increases then “N” Any truth to this statement? Thx!

[@robannmateja5000]

In my state, only community rating plans are allowed and insurers cannot charge more due to gender or age. But your state might be different. There isn't a universal answer regarding the gender question.

[@MedicareSchool]

Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@davidlong2048]

Yes the rate increase on plan G is the highest , so I have read and heard if you watch enough of these video's on KZbin

[@MaryBethMcCoy]

Yes, that is true. The annual rate increases tend to be higher on Plan G because it is the Guaranteed Issue plan, so Plan G has a higher number of sick people that the insurance company has to pay claims for. The insurance company recoups their losses by raising rates at a higher percentage on Plan G, whereas Plan N typically has healthier people, and therefore lower annual rate increases.

[@WhiteRosez007]

Excellent comparison. Your explanation was exactly why I stayed with Plan G.

[@MedicareSchool]

Glad it was helpful!

[@christinedaley5580]

Be prepared to pay high premiums going forward. Unless truly needed N is the way to go especially in the higher priced states.

[@catpaladin1]

@@christinedaley5580I started with G because there is no penalty to change to N. My G started at $96/m. This year it’s up about $10. So now $106/m. I chose it because for some reason is was the same or less than most N plans. If it gets too high I know I can change in open enrollment. The difficult thing requiring underwriting will be to move from N to G. Moving from G to N is no biggie because the copayments will be higher. At least that was my understanding back in 2023 when I signed up for Medicare for the first time. The company I chose for my G has a history of fair and stable increases even though the past performance doesn’t guarantee current nor future performance.

[@WhiteRosez007]

​@@christinedaley5580 right now the costs of premiums in my state are below average. Secondly if changes to funding SSA continues to diminish...then supplements may not be available. Or at best may change in terms of coverage as law makers push for privatization. So I'm not worried about increases in supplements.

[@WhiteRosez007]

@@christinedaley5580 nah.... For now Oklahoma is pretty cheap. I'll know next year as they went to the birthday rule. But I am satisfied for now. I quit my employer plan. It alone was $485/ month for G plan with perks. Talk about expensive. I am one that gets annoyed with co-pays/ co-insurance mess. I dropped plan N. Very happy with my G plan

[@ricoma6037]

Your assistance is greatly appreciated!!!

[@kellynch]

I bought a G plan while my employer is reimbursing me. But my agent said you can downgrade without underwriting so, when I retire, I'm going with N. The difference in premiums (>$60/month) adds up to more than 35 co-pays per year. Even during the 2-year period in which I was hospitalized twice (including 2 surgeries and a 5-day hospital stay for one of those), I never had that many doctors' visits, so spending that kind of money doesn't make sense to me. So I'm banking $50/month to use as a hedge against excess charges, etc. But I'm not really worried about excess charges, so the money I'm putting away will cover the co-pays, deductible, etc.

[@jstew1955]

Excellent video and analysis. In addition, as we get older, we find ourselves needing to go to more doctors each year. Once your medical visits become free at 65, why would someone not want to go to their PCP, their cardiologist, their dermatologist, their ENT, their endocrinologist and others on a regular basis. Copays will add up very quickly with multiple doctors and erase any savings you might see up front. Plan G for me, not even close.

[@surf6009]

I been binge watching Medicare videos. Just watched 1hr, 22 minutes of this company. It was great

[@MedicareSchool]

Glad we can help!

[@octaviolopez4083]

No​@@MedicareSchool

[@robertbruno879]

How do you know which part D is best for you? Where can you see the differences? The co pays for your meds….

[@bloozedaddy]

Go to the Medicare site and plug in your drugs and see what numbers come up for each carrier.

[@psuee3927]

Can the supplemental insurance carrier adjust their premium if you move to a different state? Does the initial premium quoted depend at all on your geographic region. ie would a person living in North Carolina be quoted the exact same rate for an identical person living in PA?

[@MedicareSchool]

Premiums are different in every area/state. So if moving there could potentially be change in the premium price.

[@RG-hf4et]

I heard if I sell my house for a large profit even with the $250k capital gains deduction, & I live with my parents to take care of them, that profit is looked at as income & then my Medicare rates will go up for the next year. Does that sound right?

[@MaryBethMcCoy]

Yes, that is true unless you can qualify with one of the 8 exceptions that Medicare allows. In that case, you can appeal and your rates would not go up.

[@RG-hf4et]

@MaryBethMcCoy I also heard somewhere if I turn around and buy a new dwelling in 30 days, I won't get the income increase or a partial income increase - something on that order. I am trying to find info on this topic bc I will be selling my house soon. I have an opportunity to buy my parents house which I think I might like to do. Sell the big house then buy my parents in 30 days.

[@MaryBethMcCoy]

@@RG-hf4et No, that is not true. That used to be the way to avoid paying tax on the capital gains from the sale of your home, but that has not been the law for many years now. If you have a large profit on the sale of your house (over $250K) you will pay capital gains tax on the amount over the $250K deduction unless you can show proof in the form of receipts for additional qualified deductions such as appraisal fees, home improvements etc. that you made to your house which would lower the tax bill further. Also, the Medicare surcharge (IRMAA) would not apply the very next year. Medicare looks at your income from 2 years ago to determine what the surcharge, if any, will be.

[@RG-hf4et]

@@MaryBethMcCoy How do I find out the 8 exceptions?

[@cindypatrick785]

My 74 year old husband is fortunately/unfortunately on plan F. But we have learned from you that most of those in the “pool” with him are older and sicker( that describes him). I am 7 years younger and so far pretty healthy, 1 prescription. My premium is under $100 a month because I switched over to his insurance and we both got a 10% family discount.Every little bit helps🙂 1:07

[@tomw7026]

Thank you for this video! Just to clarify. Plan N excess charges only apply to physicians. In other words a hospital can't charge 15% on top of a $10,000 hospital bill?

[@patsyeide3626]

Good question!

[@christinedaley5580]

@@tomw7026 No. Applies to part B only and Hospital in patient is A. And it is extremely rare. Like some psychiatrist or whatever. Not to worry.

[@stornwall2131]

An agent told me that the excess charge can only be 15% of what Medicare allows.

[@victordaniel16]

Can you be on supplement plan one year and change to advantage the next or the other way around ? Thanks

[@MedicareSchool]

Yes, you can but may need to go through underwriting if switching to a supplement plan. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@victordaniel16]

@@MedicareSchool I scheduled an appointment for Monday

[@philclark1184]

I have heard that over time the premiums for 'G' have gone up quite a bit more than for 'N'.

[@VivaciousOM]

True.

[@WhiteRosez007]

It depends on your state and inflation. Plan G is about the same but I saw Plan N rise somewhat because my state adopted the Birthday Rule.

[@af55523]

Extremely helpful - thank you for posting. I still am unable to understand the documentation from my carrier (BCBS-MN). They don't use the letters (at least in the docs I've been able to find or have been sent). Each plan has long multiple word titles and the wording used is inconsistent across their various docs (including, different pages within single docs, marketing info, and their billing invoices) and the people on the phone. I have a supplemental plan and I think (but I'm not sure) I have a "G" plan. This company is more expensive than some other options, but I like their customer service during the year - it's a lot better than other companies I've had to work with in the past. I just really really wish their documentation were more specific and clear so I could be satisfied that I have the coverage that I think I have.

[@MedicareSchool]

One of our licensed agents would be able to look up your Medicare plan coverage answer any questions. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@humanaffectation9021]

Basic is Plan A(from what I've heard), Basic Extended is equivalent to Plan G, and 20/50(or 20 50 copay) is equivalent to Plan N.

[@loismarch8343]

Just changed from F- N. The price is so ridiculous anymore. Thankfully at 82, I passed the underwriting test so I’m going to save over $100 a month.

[@BonfireOrchestra]

Good for you, Lois! So many folks just don't check. That's $1,200 a year that stays with you!

[@loismarch8343]

@@BonfireOrchestra they also told me that my F plan was rising another $30-$40 a month starting in July.

[@loismarch8343]

By the way, I left the original company since when I asked them, they claimed that G and. We’re much higher. And did not want to send it to underwriting because it would be doubtful I could pass at my age.

[@sandragrissom1821]

Unfortunately, many of us have had Plan F for a long time and since selecting the plan have had significant health issues and can no longer make it past underwriting. Leaves us stuck with very high premiums. 😢

[@loismarch8343]

@@sandragrissom1821 I wasn’t sure I could pass either because I have had a number of problems. I think God was looking over my shoulder for sure because I couldn’t stretch my budget anymore. A lot of questions were based on the past 2 years. A lot of things I had were over 2 years.

[@Ohiochic123]

$30 G plan? Mine is $143 right now and just increasing to $166 in July! How do I get the $30 G plan???

[@shade0762]

He said the difference in premium from G to N is about $30 ... so if your G plan premium is $140 the N plan would be $110

[@johnmitchell7344]

High deductable plan g

[@cynthiasolberg1591]

wow....i wish my g pan was 143.....right now approaching $215 in December of this year. Moved from North Dakota to Nevada. Started out in 2015 with Mutual of Omaha for 98$....once i moved here it increased substantially...now i see they prdict roughly an 18% increase annually.....dont dare change due to the underwriting requirement.

[@quicklykay]

@@cynthiasolberg1591 Can you tell me where you found out MOO increases 18% annually? I just got Medicare plan N with that carrier and that’s the question the brokerage really didn’t answer for me.

[@abav811]

You have to pay the 2800 deductible, but in the meantime, you've saved a lot on the premiums! So I went with high deductible plan G

[@rustyBdTZ]

commission on G is higher and it escalates faster, The $360/discount for N makes it better deal, no copay during deductible! The copay limits group costs, a good thing, stops folks from going to doc or ER willy nilly, saving us on N. Being OVER insured is not good financially.

[@humanaffectation9021]

The one thing I never see when comparing G to N is that the copays can be paid with an HSA if you have one. Having a well funded HSA is a great insensitive to pick Plan N. Even if you see the doctor frequently, you can pay with your non-taxed HSA account.

[@VoiceTotheEndsOfTheEarth]

I'd save the HSA for nursing home care. Let it grow in value until you need it.

[@WhiteRosez007]

@@humanaffectation9021 depending on where you live plan G-HD might be a better for you since you have an HSA. It's all about your comfort zone, money management and you current health. But I would save as much as necessary on your HSA due to the possible upcoming political policy changes with Medicare.Plan N is a good plan.

[@BettyBoon]

Insurance companies never lose money!

[@shadowfilm7980]

Greed! All of this is about making lots of dollars! Profit. It’s sickening. It’s not really about giving anyone good health coverage. Who cares! It’s all about the money!!!

[@dinahsoar6982]

@@shadowfilm7980 If you're talking about insurance companies and calling them greedy, how much is too much profit? They can't stay in in business without stockholders who invest their personal money in stock which creates companies like insurance companies and that money also funds the insurance companies in exchange for a return on the investment. Stockholders are going to put their money where they can get the best return with the least risk of losing their money. If they didn't do that, they'd be out of money quickly and there'd be less or no money to do anything...Money runs everything...when there's no surplus, nations face financial collapse..then people really hurt. The real issue goes beyond money and greed..it's a spiritual issue and money nor government can fix that..people think Marxism is the answer. HA..there's a huge difference between a greedy Marxist and a greedy capitalist. People become slaves in a Marxist gov't...In a capitalist gov't you may be impoverished but at least your free and master of your own fate. Give me liberty or give me death, both of which are preferable to slavery.

[@kennethmills5470]

What are the 8 States that do not allow Excess charges???

[@MedicareSchool]

Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

[@kennethmills5470]

@@MedicareSchool Good for them.

[@Barc7580]

I have one question that I can't seem to find the answer to I'm currently working for a large employer and the employer is covering 100% of my medical & dental insurance. I plan on applying for Part A, as I turn 65 on 9/07/24. My question is that if I wait to apply to Part B & D until I retire, Do I still have the window available to me to get guaranteed acceptance into a Part G supplemental plan or will I now need to go thru underwriting to get the Part G supplemental plan since I didn't take it during my initial enrollment period

[@MedicareSchool]

You will be able to get onto a supplement with no underwriting. We have a very helpful video about this! kzbin.info/www/bejne/anjXg6Omjrl7ntE . If you have any questions that may not fit into all those scenarios you can always call us as well at 1-800-864-8890. We're happy to help!

[@Barc7580]

@@MedicareSchool Thank you so very much for the reply

[@arthurshingler2025]

Good ship analogy!

[@johnowens4433]

I understand that the supplement plans are permanent and if I choose to change plans or company I have to pass medical underwriting. What happens of the company I am with stops offering that plan or for some other reason beyond my control I can no longer continue on the plan, do I still have to pass medical underwriting?

[@MedicareSchool]

In these scenarios, you won’t have to go through underwriting as you’ll have a guaranteed issue right. However, there is usually a short window to make the change-typically 30-60 days-to get signed up with a new plan if your current plan is no longer available. If you have any questions or need assistance, feel free to reach out at 800-864-8890.

[@NursePeter]

What are the states that do not allow the "excess charges?" Thank you.

[@mimi1o8]

There are 8, the information is in google

[@bikeny]

It’s illegal for health care providers to charge their patients Part B excess charges in the following eight states: Connecticut Massachusetts Minnesota New York Ohio Pennsylvania Rhode Island Vermont

[@MedicareSchool]

There are currently 8 states that do not allow the excess charges (Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, Vermont) Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@JT-nr9je]

If one chooses N initially can they switch to G without underwriting?

[@robannmateja5000]

I believe this depends upon the state. In my state, you are allowed to switch from one Medigap plan to another, with only a few exceptions (such as date of birth requirements for plan F). So my state allows one to switch from and to N from and to G and in my state, this can happen any time of the year. I verified this with the Medicare SHIP representative in my state. But other states have different rules, so you always have to check what's allowed.

[@MedicareSchool]

If you are still within the 6 month period of your initial part B date you can switch without underwriting. If not, you might need to go through underwriting, depends on your states and other factors. One of our agents license in your state will be able to help! Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@steveludwig4200]

NO

[@brooksboyd1959]

EXTREMELY RARE for excess charges!!! NOT an issue dude!

[@stephenr115]

Is Mutual of Omaha a stable rate carrier?

[@MedicareSchool]

Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@rogergardner7740]

Mutual of omaha has Great dental Plan G ok but jack up rates every year gets annoying when no health issues Dropped them 2 years ago went to Humana Advantage PPO 5900 max out of pocket 2025 2000 in dental coverage up from 1500 in 2024 Vision n glasses up to 250 from 150 30 copay 2025 Sure plan G is nice but at 400 plus per month plus 240 initial dedt guess it's humana for me My Eye Dr's nurse said it's 60/40 now advantage plans vs supplements

[@Jazna1]

I found Medicare School videos to be very helpful last year when I was trying to figure out how to proceed with Medicare sign-up. I watched a LOT of Medicare videos! My opinion is that it is definitely better to use a good broker (like this smart man!) when you're doing your research so they can explain all the complexities. Thanks for posting another excellent video! I went with a Plan N this year, is saving me $$ over G. And I went with Mutual of Omaha for my supplemental plan.

[@MedicareSchool]

Thank you for sharing, and happy to hear everything is working out great!

[@immasher2139]

​@MedicareSchool My husband and I signed into plan G, which was effective 1/1/24. Can we switch now to another insurance carrier and plan w/o the medical underwriting?

[@kenpace3768]

What happens if i move from NY (high premiums) to SC low premiums. Assuming i have a G plan in NY state

[@MedicareSchool]

When you update your address with the carrier you will have a change in premium based on what that is in your new area of residence.

[@kenpace3768]

@@MedicareSchool thanks. What if that carrier normally doesn’t sell in SC,?

[@WhiteRosez007]

​​@@kenpace3768 You may not have guaranteed issue rights. This applies to MA plans as well Medigap plans. The only plans not normally considered guaranteed issue are Plan M and Plan N. However some states have exceptions, like birthday rule states, and ect. Generally you can take your current supplement where you go in the USA unless your current pl an says otherwise. Oh....and if SC is cheaper, I would contact you insurance carrier...If you think you can pass underwriting, go for it.

[@CandycaneBeyond]

Can you find out if a Dr charges excess BEFORE you use them?

[@MedicareSchool]

Yes, you can find out if a doctor charges excess charges before using their services. You can contact the doctor's office directly and inquire about their billing policies, including whether they accept Medicare assignment and whether they charge any excess charges.

[@markurso6420]

Yes you can. My broker said just ask in advance if any dr you want to use does charge the 15% Excess fees. If no, you are good. If yes, just choose anothe r dr!!!

[@dq7143]

Can someone on plan N flip flop to plan G without medical underwriting - or some kind of penalty?

[@MedicareSchool]

You will still have to do underwriting to go from letter to letter. Unless you live in CT, NY, MA and ME as those states don't require underwriting.

[@tomw7026]

Ive read that Mutual of Omaha has a history of low initial rates, but then drastically increasingly your rates after a few years in order to keep rates low for new applicants. Have you experienced this?

[@MedicareSchool]

They do tend to raise their premiums a lot higher once you're in the plan, their pool of consumers is a lot smaller than most, so this why.

[@tomw7026]

Thank you!

[@barbaramosley9081]

I was able to get out of Mutual of Omaha a few years ago when price increases were elevating quickly and often. Thank goodness I could pass underwriting and went with Aetna. Saved a lot of money. My husband is stuck with them because he can’t pass underwriting but at least his pool is a healthier group than my pool was.

[@RG-hf4et]

My 92 year old dad is on Plan I - and is paying dearly for it.

[@OFLHLGZ28]

I don’t know why they say “up to a $20 copay”. Anywhere I go they automatically charge me $20.

[@MedicareSchool]

Typically other services like specialist and ER visits have a higher copay, most PCP visit just have the base $20 copay.

[@OFLHLGZ28]

@@MedicareSchool you must not have read what I said. $20 is my max co-pay. But my supplemental insurance says it could be “up to a $20 co-pay”…. that it doesn’t necessarily have to be a $20 co-pay every time…. It could be less… but that’s what everyone charges me no matter what - $20

[@MaryBethMcCoy]

I have a provider who always charges me less than the $20 copay. It just depends on the specific doctor.

[@WhiteRosez007]

@OFlhgz28 That's because you met you $240.00 on prior costs or whatever. The twenty-dollar co-pay doesn't kick in until you've met your $240 deductible. So if I met 230.00 of my deductible and go for an office visit, I would pay$10.00..... henceforth $20.

[@OFLHLGZ28]

@@WhiteRosez007 nope. No matter when I go or who I go to they always charge me $20 regardless. They all ignore the “up to” part.

[@RG-hf4et]

I just had open heart surgery to have a rare tumor in my heart removed. The surgery was successful & feel fine. I was told there is a 1% chance of this reoccurring. Otherwise I was told my heart is healthy, no coronary artery disease at all. Zero calcium score. Is this a reason to turn me down if I wanted to go to Plan N from Plan G?

[@MedicareSchool]

It depends how long ago this procedure was. Most carriers have anywhere between a 2-5 year lookback. If it was fairly recent then not likely you'll pass underwriting, unless you live in a state with no underwriting.

[@RG-hf4et]

@MedicareSchool Thank you for your response. I had the surgery 12/18/23. Looks like I am on Plan G for a while. I really appreciate your response. Thank you again!

[@bamafaninky861]

No pre-authorization? My Dr wants me to change infusion medication. However Medicare will not approve. Is this a conflict with your statement? If not please explain. I have A,B and G Supplement.

[@darlin5167]

Does your infusion medication fall under your Plan D?

[@bamafaninky861]

@@darlin5167 I believe drugs administered in an infusion clinic fall under B.

[@Direct.injection212]

I think Intravenous medications are under Part B. And stuff through the pharmacy is under Part D. Not sure though.

[@lisaveta8565]

Infusion in a doctor’s office covered by part B

[@BonfireOrchestra]

If the care is viewed as medically necessary, then Medicare will approve and your supplement echoes that decision.

[@johnalbury3320]

Does Medicare Supplemental Plan N have guaranteed issue rights once enrolled or do you have to reenroll every year?

[@MedicareSchool]

Once you are enrolled in Plan N it will continue to roll over every year, meaning you do not have to re-enroll every year. As long as you are making your monthly payments that plan is for life and you will not be un-enrolled.

[@justmyopinion4now]

Is there a stop loss or out of pocket maximum with plan N "excess charges"?

[@MedicareSchool]

The max they can charge is 15% (or less).

[@justmyopinion4now]

15% Per occurrence?, so if you have multiple visits or with same provider that charges excess does it ever have a stop loss? An example would be like an anesthesiologist that was brought in and you have multiple surgeries.

[@VoiceTotheEndsOfTheEarth]

@@justmyopinion4now evidently, 15% each time if the same dr, not max out of pocket $ amount. Best to call ahead and confirm they accept Medicare and there will be no excess charges.

[@mobilecommunicationsnetwor5268]

Can you explain when you mean implant? With this also include dental implants? Or is dental strictly another policy or out of pocket?

[@juliestrauss1782]

He actually said N plan but it sounded like implant.

[@MikeJ-h1u]

Does the m plan cover co-pays on your rehabilitation such as pulmonary cardiac etc

[@MedicareSchool]

Plan N does not cover copays, even after your deductible is met. That is one of the gaps that it does not cover.

[@MikeJ-h1u]

@@MedicareSchool thanks for the update it will help me with my decision

[@foxslayer321]

What is a good carrier?

[@MedicareSchool]

It depends on your area and what you ae looking for and is best for you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@divakiss02]

This plan in New york are so expensive plan G $235.41 +. $176 plan B + plan D $55.50 some people only receive $1800 dollars a Month and paying $466.91 monthly is a lot, thats right a lot people are taking the risk and applying for Medicare Advantage. and i think will do the same even does i don’t like it😢

[@indy18286]

omg!! and i thought calif was pricy

[@constantinemirras6028]

Plan n is 242 and plan g is 308... Where or what company did you get the 238 rate

[@maichinguyen5615]

Complain with Democrat party. They should take care this issue long time ago

[@VoiceTotheEndsOfTheEarth]

Move to NC Plan G is around $123, Plan N $90. Plus virtually no snow in the winter.

[@VoiceTotheEndsOfTheEarth]

@@yb5350 Could've saved a little with a Plan N, maybe $60 to $80 a month.

[@true911m]

I'd appreciate it if you created a video describing how your business obtains income from helping customers like me, and also some generalizations or ranges of the total cost of Medicare, Dental and supplemental packages in total that we may be looking at in the near future, rather than just discussions of parts of plans like G versus N

[@jbarrett8292]

So $174 monthly for Medicare ; now another approximately $200 a month for supplemental plans G or N. That’s why senior advantage plans at only $174 per month are so appetizing .

[@kellynch]

Sure. If you're OK with being in an HMO or PPO and needing referrals for everything. And if you're OK with having to risk switching plans every single year during open enrollment.

[@jeffwise6398]

Marvin, the only thing you didn't clearly connect on was IF plan N attracts healthier people than Plan G. Unless the population of both plans are the same then the $30 difference per month for each plan would remain the same as the future brings the price increases. But I've heard elsewhere (and I'm not sure of the validity) that Plan N attracts healthier people. So, if one chooses a stable national carrier for either choice, but Plan G population has less healthy people than Plan N, then that $30 premium gap should widen over time as Plan G insureds may experience larger price increases. Can you comment on this?

[@barbaramosley9081]

I would VERY much like that question answered.

[@ralphramirez7815]

Do the N co pays count towards the deductibles?

[@TheBeagle1956]

No

[@nettie3485]

They do not.

[@jeffs3627]

There are no copays until you have hit your deductible.

[@ralphramirez7815]

@@jeffs3627 plan N has up to $20.00 per doctor's visit and $50.00 emergency room copay.

[@MedicareSchool]

Plan N will have copays before and after reaching the deductible. Once the deductible is met you would still be responsible for copays there after. That is one of the gaps that is not covered by Plan N.

[@leavanwinkle1740]

I so appreciate you!

[@MedicareSchool]

Happy that we can help!

[@shadowfilm7980]

All of this is SO damn confusing! It’s nuts. They want it that way. No wonder the health system in Canada is much better. Simpler. For the people! Not for their bank accounts!

[@MedicareSchool]

We understand this can be a confusing process, that is what we are here for. If you have any questions or need assistance you can give us a call 1-800-864-8890!

[@jobob47]

I really like canada system. especially as to how often they recommend euthansia for common issues.

[@quicklykay]

@@jobob47At least they have “the option.”

[@kellynch]

@@jobob47 They also make you wait months to see a specialist. My parents lived in Canada and they knew people who chartered buses to Maine to see doctors and get treatments they couldn't get back home.

[@greenwil]

Is it true that Plan G typically sees higher annual premium increases compared to a Plan N? Thank you for the video! 😊

[@MedicareSchool]

Correct, also depending on the carrier you select as well and their stability

[@MaryBethMcCoy]

Yes, and what was not mentioned in the video is that Plan G is the Guaranteed Issue plan, which unfortunately results in Plan G tending to have a higher number of sick people in their risk pool, so rate increases are typically higher than Plan N due to the high number of claims the insurance company has to pay out.

[@greenwil]

@@MaryBethMcCoy Thank you for sharing the reason why.

[@MaryBethMcCoy]

@@greenwil You are welcome!

[@jimadams2113]

If you are a USAA member, this is a no-brainer.

[@saundrasteadman1563]

How does it benefit more if you have USAA

[@VoiceTotheEndsOfTheEarth]

just looked at NC Medigap N plans. USAA is actually has one of the highest premiums: $125 per month vs $77 for Aetna.

[@quicklykay]

@@VoiceTotheEndsOfTheEarthWow, $125 for USAA? That’s cheap compared to the rural area where I live in FLA. I pay $128 for Mutual of Omaha.

[@newengland8126]

Doesn't N typically go up slower than G? Over 25 to 30 years I'd imagine it would be substantial.

[@MedicareSchool]

Correct, also depending on the carrier you select as well and their stability.

[@dj3114]

I imagine part of that is just like raises in the working world. A 4% raise is bigger if you make more and less if you don't. Here, 5% raise of smaller premium vs a bigger one. The raises compound for the higher premiums. I also think N is a risk as you get older and need blood tests or something twice a week. If one can afford the G increases, it seems less stressful which is also medicine in its own right. That advise and $2 will get you a decent cup of coffee.

[@franklopeziilmtmti603]

I'm starting to sell MAs and since I'm interested in what is best for the client, I appreciate your channel.

[@MedicareSchool]

That really varies on every person based on their needs. You want to take their health and finances into consideration. They may not be able to afford a supplement plan, so that leaves them with an advantage plan you want to ensure it's the best plan for them. So it's not one plan fits all, you have to listen to what the clients needs or wants included int heir coverage.

[@likethemorning]

Aren't Advantage plans going away?

[@franklopeziilmtmti603]

@@likethemorning I don't see it happening.

[@cheyenne5963]

Those G F plans never stable especially when suddenly you need to use policy for something major then they shoot up premiums on you it happened to my father and mother so ridiculous they had guarantee issued plans but I couldn’t move my father because it involved kidney problems we were stuck with high premiums till he died . My mother and myself got out of this G and F plans as fast as possible went to plan N had those plans for at least over 10 years without any big increases in the premiums same excellent coverage but so much money was saved because the G and F plans were constantly raising premiums even when it wasn’t being used . What a huge gimmick those G and F plans were !

[@melindaricco954]

What are the carriers you suggest?

[@MedicareSchool]

To assist we would have to set an appointment with you to review carriers. You can call our office directly at 1-800-864-8890!

[@AdvacnedK9Training]

The catch is "when Medicare pays first..." - IF they chose to pay. Frequently they don't lately and you are responsible for 100% of the bill.

[@rogerhensley5371]

Can I pay the G plan with my HSA savings account or my RSMA account? I am thinking about retiring at the end of the year. I am now 66 years old and have around $45,000.00 in both accounts.

[@MedicareSchool]

Unfortunately Medigap Plan G can not be paid with HSA your other account you likely can you'd have to check with them directly. But your HSA can not be used for those premiums specifically.

[@VoiceTotheEndsOfTheEarth]

@@MedicareSchool true for any Medigap, but can be used for Medicare Parts B, C (Advantage), and D (Rx Drug).

[@jimwinokur4144]

Long-term G will increase at a higher rate than N now that F is gone . It is a "dirtier pool"

[@MWT5428]

Wonder if you can answer this question for me I’m 100% disabled through Social Security and I get Medicare and I was just wondering I have a question that’s asking me if my daughter is eligible for Medicare because I’m disabled she isn’t she. She’s also a full-time student in college if that matters.

[@MedicareSchool]

Are they asking about Medicare or Medicaid? It's likely that is what they are referring to and want to know if she still lives at home.

[@MWT5428]

@@MedicareSchool well it’s TRICARE because I’m also retired military and they’re asking me a survey question saying is she eligible for Medicare and I don’t want to say yes or no if I don’t know the answer. because she turns 21 this year and after you turn 21 you gotta get on the program young adult for TRICARE and it is asking me if she’s eligible for Medicare.

[@Jkaye13]

@@MWT5428 No she's not eligible for Medicare.. she's not 65!

[@Medmann48]

Ohio doesn't allow excess charges so is Plan N the way to go in Ohio?

[@MedicareSchool]

That would be something you will want to compare, it could be the most beneficial. If you would like to review and compare the plans we'd be happy to help contact our office at 1-800-864-8890

[@kevinmcbeth-t8y]

Why no one talk about choosing plans for someone on disability and under 65yrs old.

[@MedicareSchool]

We have a n excellent video about this, if you have any questions you can always give us a call at 800-864-8890. Here is a link to that video as well! kzbin.info/www/bejne/noXad2mDep6im68

[@cayennenaturetrails8953]

!!!!!!!!!!!!!!!!!!!!!!!!!!!! Great information! :)

[@christinedaley5580]

Plan G has a premium too. And a high one. Plan G also does not cover the $240 deductible. Excess charges unheard of with plan N as 98 % of physicians as you know but still continue to push it. For most people especially in high priced states Plan N is the best with also more stable premium going forward. The copays for most do not cost any where near that high G premium which is like $60/$80 More a month. You do the math!!

[@billjohnson9511]

Minnesota don't have plan G

[@MedicareSchool]

Correct, Minnesota has a different plan that is similar to Plan G called the Extended Basic Plan.

[@GeraldPavelka]

rate national carriers

[@WhittyPics]

I bet those excess charges can add up fast if you are a cancer patient?

[@MedicareSchool]

You can always verify with the provider if they charge these excess charges first, they will have to disclose if they add those on or not.

[@wynetteabc]

I think the G deductible will save the most $.

[@gindie1]

There is no "G deductible". There's a Medicare Part B deductible that neither Plan G or Plan N cover.

[@stephenmorrison3002]

I have AARP Plan G. I was noticed that next year it going up to 175.00 per month. On the internet AARP is advertising Plan G for 85 dollars. Is there a way to change plan G's without a medical?

[@MedicareSchool]

You would still have to do underwriting.

[@scottlink183]

Did you say $30.00 monthly premium for Plan G? In Massachusetts plan G is called Plan 1A and the avg. premium is $200.00 a month.

[@joeantos571]

No he said the DIFFERENCE between N and G was $30/mo

[@dgortner]

He was talking about the minimum difference between G and N plans. He did not mention the monthly rates.

[@MedicareSchool]

Usually a Supplement plan N will be $30 a month less than a plan G. Depending on the state it can cost anywhere from $75-$150 a month. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com

[@kellynch]

@@joeantos571 Reading is hard.

[@peterjuodikis1204]

It seems that less healthy people would choose the G plan whereas healthier folks would go with an N or even a HD -G option...assuming claims rates are lower with the latter two choices I would think rate increases over the years would also be lower..

[@MedicareSchool]

While that is the case for many, we always advise to keep in mind that you never know hen your health will have a change. If that happens then it's likely that you are stuck int he plan that you chose. While others are great options at this time, it's important to think of the future. If you have any concerns or questions you can always contact our office at 1-800-864-8890.

[@jackycane8238]

Not everyone can afford this plans. With the current cost of living, housing etc plus the government taxing social security, for some people they are out of reach. The ones were showed to me were $300 a month! Not $30!

[@Loobeedo]

He said the difference between the two plans is about $30

[@creativo4ever564]

Generally, if you're being taxed on your SS, you're making enough money to pay for either Medigap or Advantage . If not, you need to adjust your expenses. Living without insurance is madness.

[@jackycane8238]

@@creativo4ever564 I do have an Advantage PPO plan, so far, has approved and paid for everything.

[@richkuban2027]

Brokers do earn a higher commission on Plan G and it is an easier sale. Theory is Plan G rates will go up faster because less healthy people will choose it because of the lack of co pays and excess charges. Just changed from different Plan N carriers (we are different ages) to same Cigna plan N getting a household discount and believing it was a larger carrier. Two months after 2024 coverage started, Cigna sold their supplement business to Blue Cross Blue Shield, one of the more expensive carriers whenever I looked into insurance programs in the past. Time will tell if we will be looking again, hoping to pass underwriting again.

[@steveludwig4200]

19:20 - Here's THE key WORD in this entire discussion......C A N C E R... and that is why Plan G will ALWAYS be a superior plan.....Insurance is designed for a CATASTROPIC event to not bankrupt you.....and that's exactly what CANCER will do..

[@lancerx1001]

Plan G is it. Glad that I went with your company.

[@debs-more-plants]

So my first year I went G plan but it’s 255. Month for me. Went to Dr twice, asking about N plan it’s 78.00 month cheaper but you have to go thru underwriting first. Why didn’t anyone tell me that? So now, I most likely stuck in G. 78.00 is not 30.00 Too much generalization here…

[@wayneguy6043]

Plan G is the way to go….for $50 a month for this security it’s a no brainer……

[@susanbruce1819]

It's $189 in FL. Trade you!

[@tomconley2458]

On top of the Medicare Part B premium of $175/month, Medigap Plan G is averaging an additional $200/month where I live in Florida. Plan N is around $160. Plan G will cost me $480/year more than Plan N, and has a history of larger annual increases. I’ll stick with plan N and pay the 5 or 6 $20 copays I’ll have for the year. The 15% excess charge is currently about 5% of the doctors and facilities nationwide. When in doubt ask your doctor or facility if they bill excess charges.

[@bamafaninky861]

@@tomconley2458 Don’t forget copays on N but not Plan G.

[@bigd3104]

Mine will be more like $140 a month for G. I'll trade you too!!

[@bigd3104]

$130+ minimum for G here in Indiana