Is Plan G The Best Medicare Supplement Plan? The Pros and Cons of Plan G

[@pattystephens5977]

I have had Plan G for a long while now. I was very healthy, and only needed yearly appointments with my PC. I have all of a sudden been diagnosed with Breast Cancer. Thank goodness for Plan G, I have peace of mind.

[@dalp1535]

I am under mega plan G Turned 65 in July of 2001 October of 2001 I went through a surgery .., this surgery had bad complications …. I needed a 2nd surgery -I stayed in the hospital 7 weeks … then to a rehab clinic for another 4 weeks! I didn’t pay one cent for the surgeries or hospital stay neither for rehab clinic It was a life saver for me!!!

[@jennifer6814]

Wow that is wonderful. What is the cost of Mega Plan G?

[@NYCisland]

@@jennifer6814 Cost varies on your state. There is also a high-deductible version which lowers the premiums.

[@4America2024]

Yep. When you need it, Plan G is there!❤

[@20greeneyes20]

Thanks for the info! ♥️

[@x.y.7385]

Yes you did. You paid for plan G.

[@dianetrummer2491]

why does this country make something so simple, so complicated?

[@AbtInsuranceAgency]

It's definitely complicated!

[@milycome]

Simple ?? Huh ?? I just received from medicare "Medicare and You 2022" booklet which may indeed be helpful, but at 130 pages long does it qualify as simple ?? Well not exactly.

[@BackFocus11]

It’s about profits first, people second sadly…:

[@whss3198]

The more complicated it is the more insurance companies make.

[@beautyRest1]

Really true. Whoever invented this confusing bull….sh… should be punished!

[@jch3200]

I think that it is a damn shame that we even need a supplement plan to help with medical cost at all. I worked all my life and payed into medicare for all that time. Why should I have to pay for any of these plan, including part B, and need to get dental , vision, and hearing also to cover all my health needs. This is just wrong!

[@AbtInsuranceAgency]

I totally agree.

[@philc.9280]

" The Centers for Medicare and Medicaid Services (CMS) wasted $143 billion on Medicaid overpayments during the last two years, and it hasn’t been transparent about its efforts to recover those funds. CMS reported $57.36 billion and $86.49 billion in Medicaid overpayments in the fiscal years 2019 and 2020, respectively. The improper payment rates of 14.9% and 21.36%, respectively, represent a substantial jump from prior years, and CMS is required by the Social Security Act to recover improper payments that exceed three percent. " I'm also going to say something that may not be politically correct but some of the illegals coming into this country received benefits too and they haven't paid into the system like we have.

[@alansach8437]

We should all be calling our members of Congress to make sure at very least that dental coverage is added to original Medicare in the massive spending bill. I am afraid they have dumped that and eyecare from the bill. Dental at least is very important to seniors. Your teeth are your life!!

[@denali9449]

@@philc.9280 Don't confuse Medicare with Medicaid - and please do not make wild ass statements without any proof. Politically correct or not, if you have proof of your statements, show it otherwise, shut your pie hole.

[@philc.9280]

@@denali9449 Not sure how to respond to your ignorance or stupidity. I'm just quoting news and government sources. Whether you choose to believe it is not my problem." 2020 Estimated Improper Payment Rates for Centers for Medicare & Medicaid Services (CMS) Programs Nov 16, 2020 Billing & paymentsComplianceMedicare Part CMedicare Part DMedicare Parts A & B Prescription drugs" I stand by my comments that are screened.

[@craiglordigyan5856]

I am also an independent agent who provides Medicare products and I was pleased to listen to your video. Stephanie knows her stuff.

[@mikewhite7702]

I just received my out of pocket bill which totaled $6500.00. I am currently taking chemotherapy. Lesson here: if you get seriously ill, you will owe thousands!

[@AbtInsuranceAgency]

Are you on a Medicare Advantage Plan?

[@OIII-IOOO]

stephanie, you are a godsend. thank you for what you do. i turned 65 in oct 2021 so all of this is new to me. i spent several days in nov comparing plans and fretting over which would be the best for me. i found this video AFTER i had selected and signed up for medigap and part d plans. i selected an AARP plan g, so your video had the value of reassuring me that i had selected well. thank you ♥️

[@TyroneSettles]

I am 6 years away from retirement and have begun to explore Medicare and all that it entails. You've done an excellent job explaining Medi-Gap plan G and plan N. Thank you Stephanie!

[@AbtInsuranceAgency]

Thank you for watching!!

[@orestesdd]

All I can say is MEDICARE sucks! After paying for MEDICARE all my life, I am still paying for MEDICARE every month, and I'll soon be running out of savings.

[@Skarfp]

Thank you so much! You just stopped my having a huge anxiety attack due to the confusion of Medicare!

[@AbtInsuranceAgency]

I love hearing that! Please feel free to call or email us with questions at any time www.abtinsuranceagency.com

[@nyab10kchannel]

What I don’t understand about this country is that…why do the government punish those people who worked all their lives when they needed the health services the most and provide everything for free to those many people that never worked a day? People who are on public assistance all their lives get 100% coverage from birth until death! This is not right ! People who worked should never have to purchase their own supplement. My dad worked until 67 before retired so he can get $200 extra on his social security retirement check. Obama Care Act slapped him on the face “you are a few dollars over so you don’t get government supplement you have to go buy your own Supplement.” He can’t afford plan N or G because his income is less than what he earned while he worked to a small set income!

[@christy6534]

I complain about that too, and let know to everybody my feeling about the unfair right for people never work like those with desability, which I know one person that he lies about his sickness and get medicaid and medicare free.

[@maleficent7484]

Thank you for the information. You are by far the least biased person I have heard speak on this topic. Many folks let their opinions skew peoples judgement or choices. I understand much more now that I have listened to some of your videos. I am fairly intelligent and work in the legal field and this is one complicated topic even for me. Once again thank you.

[@AbtInsuranceAgency]

Wow, what a compliment! Thanks

[@thebossofmykitchen]

I just enrolled in Blue Cross High Deductible Plan G. I don't go to the doctor often but figured that as long as I don't go to the doctor more than 4 or 5 times a year, it is the most cost efficient. The high deductible amount of $2490 is a drop in the bucket compared to the $7000 I had for years!

[@frankish5314]

So decent coverage under Medicare will cost about $700/month for a couple.. And I'll get $1200/month from my Social Security. So thankful I got serious about saving for retirement in my mid 30"s!

[@michaeltoscano5922]

I have a medicare advantage plan with a drug plan included. I love it. I spent a little over $600 last year out of my pocket for health care. Not bad for a 67 year old male

[@kathygann7632]

Yes, but what would have happened if you’d gotten cancer?

[@michaeltoscano5922]

@@kathygann7632 that’s a chance we take but my plan affords me superior coverage with easy access to my primary for checkups. A healthy lifestyle, plenty of exercise, healthy meals means a lot too.

[@maryisabell8760]

The only thing with ADVANTAGE plans are U have big deductibles . No one ever know’s about their health from one day to the next . Usually a person pays approximately $3000 for a hospital stay with ADVANTAGE plans . Can you imagine going into the hospital twice in a year ? Most advantage plans don’t cover HOSPICE either . Freedom of choosing your own top physician is vital to me . Don’t take it for granted you will be healthy all through your senior years .

[@michaeltoscano5922]

@@maryisabell8760 i have had Essence Advantages for the last 2 years. I have averaged only $600 per year out of pocket. MOOP is $1800. My 91 year old father had the same plan with multiple hospitals visits. He only paid the MOOP of $1800. Per year. Essence has a 5 star rating in St Louis. A top teir carrier. My drugs are all their 1. Little or no expense there. No oop for my primary doc. I eat right and exercise. Keep a health life style for pushing on 69 years old. Life style choice affords me the luxury of a MA. Not everyone can or will have that choice

[@jm-bv1wh]

Yeah, I was doing great at 67 too. 75 now. In the interim, 2 strokes, a heart attack, prostate cancer, 9 day hospitalization for hymolitic anemia, 6 hospitalizations in all. I'd exercised and followed a healthy diet. Generally, I'm above average shape for my age. Everybody is in good health until they aren't. Good luck trying to switch back to original Medicare when your Medicare advantage deductibles kill you financially in a few years. My Aetna Medigap supplement plan covered every penny of my medical bills with the exception of 20.00 specialist copays, The 170.00 monthly premium is well worth he cost My Plan D is 25.00 month and covers everything. Enjoy your life now, because your future might not be so rosy.

[@AndyB718]

I chose plan G for piece of mind. Im in NY and its $271 a month

[@danieljohnvenne1569]

Stephanie, you are our favorite KZbin Medicare expert! Thank you for all the excellent, clear information. QUESTION: If a person chooses plan G, they would pay the cost for Medicare part B which is currently $148.50, every month, I believe. They would also pay a monthly premium which can vary; according to your video for a woman the cost may be between $100-$150 each month. They also incur the first $203 of an annual deductible for Medicare part B. Do I have all of this correct, Stephanie?

[@AbtInsuranceAgency]

Yes, all correct! ☺️

[@Wart6045]

@@AbtInsuranceAgency And if you had plan N you also will be paying all of the costs explained above? Is there other Medigap plans that you would not be responsible for the Medicare part B? Thanks

[@denali9449]

@@Wart6045 The short answer is no, Not a Medigap / Supplemental plan.

[@simonekaar4916]

Part B is going up to $170.10 in 2022 and the deductible is going up to $233..

[@ppumpkin3282]

In my state the best rate for plan G is AARP and that's $212. The rates are unisex.

[@hoponpop3330]

We have F which is G with zero deductibles and co pays no longer offered . It’s pricy up front , we pay over $500 combined plus $340 for Medicare part B and $45 for part D ( drugs) monthly. Since it’s not an HMO or PPO you can got to any Docter in the country who takes Medicare without referrals I had a surgery and a serious procedure this last year and never got a bill My wife is constantly monitored because of a condition If you can afford the part G plan

[@PedroRodriguez-et7td]

Thanks Jenny. Had I known how difficult this is., I would have started reading about retirement ten years ago.

[@JohnJohn-wr1jo]

Pedro, your dilemma is these plans and legislation change annually. Go with the best supplement u can afford. Stay away from Advantage plans

[@varonadee6980]

@@JohnJohn-wr1jo Hi, if you have time, please share your reasons for not going with an Advantage plan. I chose traditional Medicare and a Plan G when I retired last year because I knew I'd be moving out of state soon, to a rural area, and wanted a wider choice of doctors if I wasn't pleased with the locals approved by an Advantage plan. I was thinking that after moving and learning more about the local medical community, I might drop the Plan G, and go with the new state's Advantage program. But you say no so convincingly, I'm having second thoughts.....what's you're reasoning, please?

[@samolson5322]

Great information. Another advantage of Plan G is the "high deductible" option. In my opinion, the deductible is very low. You can pay a much lower premium than the standard Plan G and Plan N. An important thing to note, however, is that if you ever want to switch to a plan with more benefits in the future (i.e. plan N to Plan G), you will need to go through medical underwriting as well.

[@motnoslo]

I'm curious about Plan G High Deductible. If you want to switch from Plan G HD to Plan G or Plan N, do you still have to go through medical underwriting?

[@samolson5322]

@@motnoslo most likely yes. Unless if you are in a state that allows you to switch which are very few. California, for example, allows you to switch to a plan of equal or lesser benefits within in 60 days from your birthday. Great last name by the way ;)

[@motnoslo]

@@samolson5322 Thanks Sam! I like your last name too! Lol

[@josephdebes3060]

Another word for “medical underwriting “ is “pre-existing conditions exclusion”. Plan N is cheaper by about $45/ month than plan G, however N has more Copays. If your health deteriorated later on, you might not be accepted by plan G providers ( unless your payer went out of the supplemental insurance business). Not sure the monthly saving of plan N is worth the gamble if your Heath worsens…I know it isn’t for me, and I worked with these insurances for 20 years as a certified Nurse Case Manager

[@NoTrashInHeaven]

@@josephdebes3060 I had wondered about where pre-existing conditions fit into the Medicare picture, since my husband is a T1 diabetic.

[@gailh8944]

I will be calling you next week. You explain this well, and I need to make a decision for the first time.

[@Isabel-of4wq]

So Im glad I chose a Plan G! BUT recently i had an emergency room visit via ambulance (after much testing i was cleared to go home). The ambulance charges appear to have been covered but Im getting billed by Mayo for hospital services they say are not covered AND more importantly Mayo is billing for “Clinic/Professional Services” they claim are not covered. What the heck???? At least these should be excess charges? What should I do?

[@markhereford164]

I think you're video is a great way to answer the complicated issues to Medicare Please keep us victoms informed , Thank you so very much !

[@stevecampo1618]

Hi. If I could choose any organization to help me in making right choices regarding medical insurance it would be Abt. I started on Plan F three years ago. The coverage is great, but the monthly premiums are monumental. At the time I was very naive and I didn’t do the research I should have done. I’d like to explore options with Abt. Please get in touch with me. Incidentally, I love your videos… instructive, very accessible and enjoyable to watch.

[@AbtInsuranceAgency]

Please give us a call at 888-465-9728! 🙂

[@stevecampo1618]

@@AbtInsuranceAgency A thought. Three years ago (maybe it was four) I jumped onto Plan F not knowing what the future held. Now I’m wondering if I could stay with Plan F, but change companies if we can find one with even modestly lower premiums? I’m currently paying $269 monthly. Having watched virtually all of your videos I feel like an idiot. I probably made every mistake possible: - I didn’t work with an independent agent, I purchased directly from the company; - I didn’t even really shop companies, I just went with one that was very highly rated and had great brochures; - I didn’t even KNOW about the 6-month open window enrollment period that side-steps medical underwriting. The list goes on. I can imagine how busy you must be right now, but I really need your help. You actually make it seem almost easy. 😁

[@maryisabell8760]

@@stevecampo1618 : Keep plan F - they don’t offer it anymore but you can keep it if U have it . It is the BEST of the BEST - I have it . It is worth that extra money to have all that coverage . When you need it you NEED it . That is my 2 cents worth . God Bless

[@annlaselva2323]

I’m turning 65 in November and am on Medicare and MediCal. Thinking of going with a medigap policy guaranteed issue due to health issues and to broaden my coverage, but I will then lose MediCal payment of my part b premium which will hurt me. I would like to speak with you about the details please. Thank you.

[@michaelchueh]

@@maryisabell8760 seems plan G is equal coverage. I think paying just under $300 for one time deductible vs plan F paying $7-80 more a month give plan G the win. Yes they removed plan F for new enrollees just cause the laws changed for plans including deductibles

[@yaneznayu9997]

I've had Plan F for 6 years. No deductible, no copay. Never had 1 cent billed to me. Everybody takes Medicare around here (San Diego County) and I go where I wish, no pre-authorization required

[@AbtInsuranceAgency]

So great to have that peace of mind!

[@richardnordt7218]

Everyone should carefully listen to this young lady. She has helped my wife and I navigate a very complex part of retirement. Stephanie provide valuable help and data when making these healthcare decisions when retired. With todays ever rising healthcare costs it is better to be safe than sorry. Stephanie Abt is highly recommended.

[@Trailhound1]

Stephanie, If you are not already a millionaire, you will. Be, and should be. Your appearance is professional, your speaking ability is terrific (former teacher?) and hope you are a principal in an honest FMO with stock options. If not, start your own!! Many will come. I always enjoy and benefits from your videos. Jack Frick, CIC, CISR, AIS, M.Div. Austin. TX. Keep on, keeping on.!

[@tyghvalleybarber]

Hi Stephanie! A brand new subscriber and I appreciated the clarification between Plan G and N. I will be watching all your videos to catch up. Will be very helpful for my husband and myself. May I politely suggest your doing your videos in a room with more "padding" or more furnishings? Your sound quality is hard on my elderly ears. Like you were in a cave or a large subway restroom. I had to turn the sound down quite a bit. Thank you! 😊

[@AbtInsuranceAgency]

Thanks for the feedback! In my more recent videos I’ve changed up the microphone set up to hopefully improve sound quality. It’s definitely a learning process, thanks for following along! 🙂

[@jpear]

Agree about the tinny sound…..need better. Acoustics!

[@AbtInsuranceAgency]

@@jpear agreed! Hopefully on the newer videos on my page you’ll hear better acoustics. I’m definitely still learning 😉

[@ellenthom34]

I changed from N to G Has saved me thousands as I fell and it has taken all year to rehab. Different story on part D. Skyrocketing drug costs..

[@brendadennis2081]

I learned more from you than all my many phone calls together !

[@iaincaillte3356]

You explained Medicare supplement and Plan G very well including the potential for relatively large yearly rate increases. I think you explained this in another video but if one decides to change plans, even with the same insurer, one still must go through medical underwriting. So choose wisely initially. Another point that you might emphasize is that Medicare supplements do not cover what Medicare does not cover or what Medicare DENIES FOR LACK OF MEDICAL NECESSITY. This is an important point because if Medicare denies on medical necessity grounds the service or procedure provider can bill you not at the Medicare rate but at their full rate. For example, where Medicare might pay $5.00 for a lab test, the lab will bill you $200.00 which is the full list price for the test. This is based on your knowing or should know that the service or procedure is not covered. Be careful not to sign any waiver forms!

[@alansach8437]

While this is certainly possible, I haven't seen it yet with original Medicare (and G). Normally, if your doctor says it's medically necessary, Medicare pays it. This is opposed to Advantage Plans, where everything must be preapproved.

[@mikeautry2271]

We need the politicians plans that pays everything...plus the retirement they have....

[@Kolian1274]

Can you please tell me What is politicians plans

[@DuffyF56]

LIE....Congressmen have Obamacare Gold Plan subsidized by the taxpayer so they pay about 28% of the total premium. They are also under the same retirement system as all Federal Employees and have been since 1986

[@alansach8437]

Yeah, lots of people think that Congress and Senators have some really great health plan, and it is a good plan, but it is Obamacare which they cost share on. When Democrats were pushing Obamacare through, Republicans thought they would be clever and suggest that if it was "so good" all members of Congress should have to be on it. They figured Democrats would say no and they could use that against them. To their surprise (and maybe shock) they jumped on the idea! So Congress being on Obamacare is perhaps the only contribution to Obamacare from Republicans.

[@DuffyF56]

@@alansach8437 Nice try but FALSE. Democrats controlled the process. They controlled both Houses of Congress during the entire time the Bill was being crafted and passed into law. The final bill was passed in the Senate by the reconciliation process and NO Republicans voted for it. The Republicans PUBLICIZED that fact that early versions of the ACA exempted Congress and the political pressure changed that exemption by the final version of the Bill passed.

[@carolcole570]

I am over-blessed with insurance. First…….Medicare A and B. Second………Blue Cross/Blue Shield Federal . Third……..CHAMPVA from the Army. I have been in bad Health for 11 years, and…..so far…….have never had to put out a penny on my medical care. God has truly blessed me in taking care of me. I personally don’t see Any reason for me to get Medicare G. Do you ???? ❤️

[@tonyreddy7535]

Thanks for interesting and clarity review of these plans. Also being up front about how you are reimbursed gives me more trust with you.

[@mb_a5383]

Thanks Stephanie, I turn 64 this year so I've got a year to figure this stuff out. Pretty sure I'm gonna be contacting you in the next year.

[@AbtInsuranceAgency]

Looking forward to it!

[@bjbtime7766]

I have plan G, had 2 surgeries, and only paid part B. One surgery cost $65,000.

[@peter-hr1gl]

Very informative. Thanks. One piece of constructive criticism- time for a dedicated microphone so you don't sound like you are inside a chamber.

[@barbaraebner5889]

I can't get over how much anxiety this insurance " stuff" has caused me. Just started this. Already have to change Rx due to rate hikes. One medication, I am having great difficulty getting.

[@cherylmcnutt9905]

Me too! I went through a broker last year, and he cheated me good! I have Barrette’s Esophagus (pre-cancer). Before Medicare, my insurance covered it well. Since then, I’ve had to settle for a less effective drug, meaning I will get cancer eventually. The good drug costs $800/month Medicare Advantage with United Health Care (UHC) only covered HALF the cost. Living on Social Security, I can’t afford $400/month. It would be much less expensive if I got 90 days at a time ($229), but UHC refuses to allow the pharmacist to fill more than a 30-day supply. UHC sucks!

[@maryisabell8760]

I have fretted , worried , went back and forth like a YO YO , which is best for me ? Really not TRUSTING anyone else to make these decisions for me , that I will have to live with . I was originally enrolled in PLAN F - which is better than G PLAN . I understand only people who already have PLAN F can keep it - it is not offered any more . The ADVANTAGE PLANS are what I would stay away from . It is VITAL to me to be able to CHOOSE my own doctors, any where I want ( that accepts MEDICARE ) . ADVANTAGE plans have big deductible’s and who knows if we can afford those deductible’s in the future ? This is the thing -- we don’t know how long our health will hold up - getting older ?

[@varonadee6980]

@@cherylmcnutt9905 Me three!! I retired last year at 69, and like "Barbara Ebner" above said, I can't believe how stressful navigating health care/insurance issues has been! How I miss my employer's group benefits involving only 2 decisions! What cruel irony that just when memory and other mild cognitive deficiencies start to show up, and my income is suddenly half what it used to be, I'm tasked with learning at least 6 different insurance Plan parts (A, B, D, Advantage, G, and now N); plus trying to calculate costs of all the options and combinations, and timings, and prescription prices at different pharmacies, and realizing the same health care will cost me three times what it did when I was employed. With all the technology we have, why isn't there a computer program for entering your data and it having it calculate what all your best, and least expensive choices are during each open enrollment period?? There is some sort of program the local brokers use, but it still leaves me with too many options and not enough info. For example, I found out Medicare does not approve of one of my prescriptions; consequently, what my employer's insurance cost me $20 for a 90 day supply, will now cost me $600 for the same thing. This is the best Rx Plan D the program could find. Then a friend suggested asking at my pharmacy how much the prescription would be if I said I had no insurance. When I asked, the price for 90 days was suddenly only $249. The pharmacy also said since I wasn't restricted by any insurance company rules, I could buy the entire year's-worth the doctor had written for, all at one time, and the per tablet price would be even less. (Unfortunately I could only afford a half year's supply at one time.) Later on, it occurred to me to ask at a different pharmacy, and their price was only $183 for the 90 day supply, so then I was kicking myself for cognitive impairment issues! I also got a "Good Rx" discount coupon, but the best price was just using no insurance whatsoever, and asking at different pharmacies. I wish you good luck and stamina for navigating the system, and thank you for your comment!

[@cherylmcnutt9905]

@@varonadee6980 Thanks, I wish the same for you! One thing I can tell you I learned the hard was all of the “Advantage Plans” rarely cover much of higher tiered drugs. Basically, the drugs you might need as a senior citizen are often Tier 3 or Tier 4 drugs and they offer no coverage at all, and tell you you have to use an older, less effective drug, which could endanger your life. It happened to me. At age 65 you can sign up for full Medicare. It’s always 80%/20%, but there’s no limit on treatment or drug types. That’s what I’m getting.

[@varonadee6980]

@@cherylmcnutt9905 Thank you for responding, Cheryl. Just to clarify, I am already on traditional Medicare Part B, with a Plan D for meds, and a supplemental Plan G. But Medicare doesn't "approve" of the tablets my M.D. prescribed, no matter if they're brand name or generic, and there is nothing else to substitute. I can go to the pharmacy and show my Medicare prescription Plan D card, and get to pay $600 out of pocket for a 90-day supply. The only thing Medicare covers is for the remaining three 90-day supplies in a year, I will only be charged $400 each. My Plan G pays nothing because it does not cover prescription meds. That's why I go to the pharmacy and get the tablets with no insurance, without ever mentioning Medicare. With NO insurance, I can pay $732 a year, but with Medicare I would pay $1800 a year. On the plus side, Medicare only charges me $3.00 for a 90 day supply of Metformin!

[@SpiderboxFilms]

I have loved an appreciated every one of your videos. My most valuable piece of education that I was not made aware of by my Insurance provider was that I get one chance in the first 6 months after turning 65 to sign up for a Medigap plan without underwriting. To me this is VERY important.

[@AbtInsuranceAgency]

Very important, and not widely know. Thank you for watching, call us anytime!

[@angelawhite4795]

Not all states underwrite.

[@rachelgibson1858]

I'm trying to get my father some supplemental insurance, I need something that will pay for skilled nursing, either in a facility or preferably in his own home.

[@imac9009]

Stephanie thank you so much for offering these videos. Thank you even more for offering your services to us all. You are a true wealth of knowledge and sage advice. I will send all of my friends who are seeking help with their Medicare decisions to you. Best to you and your family!

[@robinparker6728]

Thank you for this explanation. I didn’t know I could ask for the cash price of my script instead of using part D. My only question is why am I paying for a med that I was getting at no cost prior to signing up for Medicare?

[@jwslks]

Plan N is an alternative to Plan G especially, if you don’t go the Dr.’s very often. It is much cheaper in monthly premiums.

[@AbtInsuranceAgency]

Plan N is definitely a great fit for certain people.

[@jasonosborn5726]

Yes. But always remember, depending on where you live, you may see the 15% excess fee. Here in Florida you might see it more than other places. I advise all my clients to ask if the Doctor of facility is a participating/assignment. Meaning they accept whatever Medicare pays them

[@jwslks]

@@jasonosborn5726 and in some states like my state of Ohio, it is illegal for anyone to charge excess fees.

[@jasonosborn5726]

@@jwslks WOW! If they did that down here in Florida, I fear we would have a mass exodus of doctors, similar to what we saw in 2014 when the government made the changes to part C

[@jwslks]

@@jasonosborn5726 you are 100% correct. People just need to call the physician or facility and if they say they take Medicare assignment, then there are no excess charges.

[@billiehayworth9457]

Stephanie, you fail to say, “But if you’re 79 years old, your monthly premiums are not going to be what I quote here....they’re going to be far higher”. Sticker shock followed when I actually spoke with an agent.

[@ellenthom34]

Yes had a very expensive year. G played everything. Low out of pocket. I am have Aetna accendo. Wonderful experience

[@CamilaElla-c1b]

Great video thanks for the great information and well delivered. This is exactly what I was looking for.

[@AbtInsuranceAgency]

Glad it was helpful!

[@joblink100]

Plan G has worked very well for me, I am 83 years old and only paying $295.00 a month, and never had to pay any more.

[@varonadee6980]

Thank you, Robert for providing this real-life example. I can afford the $138 a month I'm paying for Plan G at age 70, but on my income, I could not afford $295 a month, and certainly not whatever it will be 13 years from now when I'm 83! Both my grandmothers lived to be 99, so I think a time is coming when I'll have to give up medical insurance, and forgo medical care.

[@4America2024]

G has been Great for me!

[@johnmacarthur1433]

You are the best, thank you for your service and time!

[@AbtInsuranceAgency]

Thanks for watching and commenting!

[@isaacfriedman7586]

Stephanie you are simply "GREAT"

[@AbtInsuranceAgency]

😊

[@henrythomas7112]

Thanks for all the detailed information you have provided in this video. I like your way of explaining every point. Keep sharing such great videos in the future also.

[@donnakelley1202]

I have a friend who's 81 year old mother had a basil cell cancer spot removed from her forehead, and it left a rather unpleasant scare. She wanted to go to a plastic surgeon to have reconstructive procedures on the sight of the surgrey, but Medicare said the reconstructive surgery was not medically necessary and wouldn't pay for the surgery. Is this a common for Medicare to turn down coverage for reconstructive surgery?

[@bigyeti57]

I am 64 and in the initial enrollment period for Medicare. If I were to select a supplement plan other than G (e.g., N or HD-G), could I change that later without concern of underwriting?

[@mikefa5891]

Thank you for the great info. Question: what has been the average annual increase during the past 10 years for Plan G and Plan N? I will be turning 65 next year and i am currently fairly healthy so i am leaning towards Plan N, but if the annual increase between Plan G & N are not significant, i probably will go with Plan G just to have that peace of mind since health tends to deteriorate as we get older.

[@sdean4816]

For some crazy reason I have been told that plan N is more expensive than plan G In my state even though plan G pays for more. I’ve seen videos where they’re saying that the cost for plan G will be going up more rapidly because it has more people and many of those people are more sick. If that’s the case why in the world is plan N more expensive in Kentucky? It seems if you’re willing to shoulder more of the cost the rate should be lower

[@wl4086]

Hi Stephanie, thank you for the very informative explanation of the Medicare supplemental plans. I wish I have discovered your video soonerwhen I first retired 2 years ago to help me select the best plan.

[@AbtInsuranceAgency]

Glad it was helpful!

[@Unknown-hu4gf]

Which companies have the best rate stability???

[@AbtInsuranceAgency]

There are a few that stand out - contact us for more information!

[@joesh9845]

Thank you Stephanie for great and very informative video!!!!! you helped me understand what I have to do as this year will be my first year on Medicare.

[@cindychurch925]

You are very good at explaining the different plans.

[@sueharris6616]

Full of awesome information as always thank you Stephanie.

[@masterlee4370]

I just found this video and I must say you really explain on a level anyone can understand. About me well I turn 64 this year so I have a little time. I am also "The Cajun Ninja's" dad. Between Facebook and You Tube he has 1.2 million followers. He has his own "PIYAHHHHH" seasoning and we just did a photo shoot for his cookbook coming out later this year. He also teaches Martial Arts hence the name. I say all this because I told him when he reached a million followers to remember he could not have got there without having the first one. I think it is awesome the way you explain everything. You definitely have a new follower and I will be watching your videos. You nailed it when you said "Peace of Mind". I am not sure if you are licensed in my state of Louisiana. I noticed your chart did not show Dental and Vision. I am curious what the price tag would be to have the G plan with Dental, Vision and what ever else makes it a complete package plan. Also you should have a lot more subscribers than you do, so stay who you are and you will continue to grow. Great Video!

[@bbrad628]

Plan G “High Deductible” is worth researching too. Run the numbers to determine estimated doctor visits, etc. per year. Plan G HD premiums are around $40 per month with around $2500 deductible (includes $203 Medicare deductible). Either you pay out more in premiums or deductible. For me high deductible makes sense since I’m healthy and rarely see a doctor more than twice a year. Why pay out more in premiums if you’re relatively healthy?

[@susanbickersteth2526]

Seems like a crap shoot. I was healthy too until I got breast cancer. Glad I had plan G. Paid 100% of a 250.000 dollar hospital and therapy bill. I paid 203.00 deductible. I think it depends on your cash outlay available as well.

[@bbrad628]

@@susanbickersteth2526 Luckily I live in a state where I can switch plans during annual open enrollment without the need of providing evidence of insurability. If I get sick/etc. I can move up to Plan G, etc.

[@susanbickersteth2526]

@@bbrad628 which State do you live in?

[@bbrad628]

@@susanbickersteth2526 Washington State

[@susanbickersteth2526]

@@bbrad628 no underwriting in Washington? There is more for me to research since I have had a cancer diagnosis. A little worrisome.

[@KenJackson_US]

HDG seems to be the best for us healthy people approaching 65. The only thing that concerns me is if at some point N becomes a better deal due to new health problems, I wonder if underwriting will make it too expensive.

[@LuisRamirez-iu4yb]

Very good video and mentioned how much it might cost to a female but how much it might cost to a male?

[@AbtInsuranceAgency]

Makes are usually about $10-15/month more than females

[@pb6176]

I have had plan g for 2 years

[@marielowe6997]

Hi Stephanie, husband went on Medicare in 2018. Can he still get F? He has plan G right now. Thank you for the video, wish I had found you when he first turned 65!! Teresa

[@sureshkchari8382]

Best explanation. Thank you

[@scottgilsdorf2938]

Thanks so much for taking a lot of the pain and time out of a complicated subject!! Is it a true statement that Medicare is completely individual?! Not like my employer plan where it covers my spouse and I.

[@AbtInsuranceAgency]

Yes that’s right. Individual coverage under Medicare.

[@stevedawson1706]

I pay 109 dollars for plan G. Would I be better to put that money in a HSA and save the money intill I need it.????

[@AbtInsuranceAgency]

This depends on many factors. Without a Medigap plan, you are responsible for the full 20% that Medicare doesn't pay, with no cap or out of pocket limit. In the case of cancer or serious illness, this could potentially be a LOT of out of pocket exposure, more than you may have saved in your HSA. Feel free to call us with questions! 888-465-9728

[@michellemoosey9376]

You're amazing! I will be contacting you in the future for my Medicare policy! Keep up the good work.

[@violaharosia996]

Thank you, I wanted to know if it's true that I will lose my ability to participate in Tricare prime for retired members and has this always been the case. Medicare is so expensive and no where as complete and broad in what is covered. I was told if I retire from the military I would be able to have health coverage for the rest of my life, is this another lie by the government.

[@SJ-zu6wh]

Hi Stephanie ,I just turned 84 and I have plan g through Mutual of Omaha . I have ulcerative colitis and asthma this year my premiu apayymens went up to

[@EJSJ54]

Hi Stephanie, Great video in explaining medigap insurance. I was diagnosed with CLL in 2007 and never had to have treatment so far. Praise The Lord! When I signed up for a supplement they put me on plan N instead of plan G when they found out that I had this blood condition. My wife is on plan G. Doesn’t seem fair that I have those copays and my wife’s plan G doesn’t. Can you elaborate on this a little more? Thanks 😊

[@denali9449]

Who was 'they' that put you on a Plan N? I know the pre-existing thing can be a difficult road but normally if you stick to the Medicare timeline and had coverage before you signed up, the pre-existing clause is waived. Speaking as someone who was receiving medical care for a kidney transplant for 15 years prior to signing up for Medicare. No questions asked, sign here and pay the premium. I got a Plan F back then and have stuck with it. I make be wrong but it sounds like you were misled.

[@phdr754]

I wanted to be skeptical !! (Profit driven) But God Bless You . A very tight, cohesive and understandable video Thank you so much.

[@wgriffin1045]

I am a 76 year old male and have had plan f for many years . I don't abuse it by going to doctors for stupid reasons . I will not accept that any plan is better , though the plan is being changed for monitory reasons by the company itself . All the other plans have Many restrictions . If not for the plan f I wouldn't be here today .

[@terri6584]

I have Plan F very similar to Plan G for 6 yrs. & all my medical bills except for prescriptions, which is under a different plan have been paid. This past year upon severely fracturing 3 bones in my ankle & spraining the other I was taken by ambulance to the hospital where ankle bones were set, then transferred by another ambulance to a larger hospital for eventual surgery. in the hospital for a few days, then in a nursing facility for approx.21 days, have had 2 surgeries & multiple surgeon & doctor visits & Visiting nurse, physical therapist & occupational therapist come to my home many times followed up with PT in A facility & have not had to pay any bills, thank God! Plan F similar to G is fantastic & well worth it to me to budget the lower premium amount each month than get hit with high unexpected expenses at some point. Plus, I can travel & not worry if I should need medical care outside my area & am not bothered with keeping track of paying doctors, etc. etc. It is super important to enroll in such a plan when about to turn age 65! The premium cost was double prior & after the allowed time! So important to take advantage of the period where no medical history is involved!

[@AbtInsuranceAgency]

So true! Thanks for sharing.🙂

[@michaelelder9821]

thank you. you break it down and explain it extremely well.

[@AbtInsuranceAgency]

Thank you for watching!

[@kvapower3925]

FEDS have option of continuing with their current insurance (retired employee pays monthly premium same as FTE and FEDS pays rest of the insurance) plus mandatory Part A. Whatever is not billable in part A by default falls under current insurance provider and that plans deductibles still apply. Example under GEHA HD plan annual deductible is $1500 per person. GEHA (contracted to UNITED) then picks up 95% and retires are responsible for 5%. There is no upper $ limit for the 5%. Deductible resets every year. $900 is paid by GEHA which is used towards the deductible. So FTE and retires both pay $600 towards deductible out of pocket. Pharmacy benefits are separated from these limits. There is copay. Not sure what happens when drugs cost like used cars. Under these conditions is paying for supplemental plan worth the insurance for worst case outcome to avoid financial bankruptcy? Is one eligible for medical / supplemental plans?

[@michaelchueh]

My parents are currently on plan F. Seems like plan G is the same except a small deductible vs paying a higher monthly for plan F. Plan F doesn’t seem to be worth it over Plan G. Break even is about 3 months or so if they move to plan G. Your thoughts please 🙏🏼

[@AbtInsuranceAgency]

Plan G is a better value than Plan F 99% of the time. Give us a call, we would be happy to show you some Plan G rates for them and help you to figure it out! 888-465-9728

[@wanee8039]

Hello, Stephanie, I was forced into early retirement due to a disability a few years ago and have had a Advantage plan ever since. I like my doctor and stayed with him though out thease years. But he's about Thirty miles away and anytime I need to see a specialist or even just get an Xray. I'm forced to go Thirty plus miles and deal with the preapproval nonsense. Luckily I've been able to stay well doing my physical therapy at home and have actually improved a little over the years. When I first sighed up I attempted to find a doctor closer to me but the of the doctor's in there welcome package. More than half said they didn't take my plan or were not taking anymore patients. Would I be able to get a plan G .I'll be 64 this January.?

[@thebigmann81]

I wish Medicare would be taking more out during working years so there be no need for secondary plan. We would all be covered with just the original Medicare

[@tombrown7577]

what is the average cost of a Plan G from most providers?

[@AbtInsuranceAgency]

Depends greatly on your area! Where are you located?

[@healthyself345]

this is all greek to me but I need to get with it, I'm 65 and hope to work another 5 years. I'm enrolled in A&B, whatever that means, I just do what I'm told. Hope you'll handle Louisiana

[@jfofu132]

Stephanie, thank you for producing these informative videos.

[@matthewjackson9615]

In the end , it seems to me that it's all a dice roll. Who's to say what these plans will actually cover in reality and exactly how they will morph in the future. Like a gambler at the dice table , I'm just hoping that I win a little bit more than I lose. I'm thru worrying with it. I just place wager on a plan that seems appropriate and hope the dice come up favorable.

[@gabeslifestuff9691]

Hi Stephanie, I’m glad I found your channel I’m just 52 years old but I’m on Medicare now as I’m post lung transplant and I’m on ssa Disibilty. I’m not going back to work it seams like. It’s overwhelming the choice I’m on a long list of anti rejection meds , I lived in Houston but I’ moved to Florida for my transplant and now live in ga and I travel to Florida for checkups often. Any advice would be great thanks Gabe

[@AbtInsuranceAgency]

Feel free to give us a call at 888-465-9728!

[@DdD-pi8jw]

Are plans G and N available to disabled individuals under the age of 65? Where do you sign up for these plans?

[@gingermate7490]

As a person with a disability, I was only able to sign up for an Advantage plan. When I reached 65 years old I was able to enroll in a supplement (and I chose a G).

[@virginialam8800]

@@gingermate7490 I have both Medicare but where to get n how to add planG. As I am 74 years old

[@ryno2323]

you can purchase a supplement at likely 3 to 4 times the cost of a supplement purchased by someone turning 65 or leaving group coverage. Medicare Advantage is usually the best bet for those on Medicare that are under 65.

[@vertigohan]

A friend works for the government and she says after she retires she can keep her benefits. And she could get just part A & B. No need for either M. Advantage or Supplement. Is that right?

[@AbtInsuranceAgency]

Federal retirees usually have a retirement benefits package available to them, and many opt for that instead of a Medicare supplement or Medicare Advantage plan.

[@jimmyxu7821]

Hi Stephanie, what’s the percentage of people choosing Medigap vs Advantage

[@Queenie-the-genie]

I still have plan F so I’m wanting to know if switching to G is a good idea or not.

[@Larry30102]

I have plan G. But I’m skeptical after being gouged $300 at my annual ‘Free’ Wellness Visit that I couldn’t recover. I just feel these supplement companies can weasel around payout cost some way or another. I feel to a large extent and growing that neither the government or these supplement companies are here for us.

[@AbtInsuranceAgency]

The Medigap plans are designed to only cover what Medicare covers, and pay some or all of the cost share that Medicare doesn’t pay. Unfortunately Medicare doesn’t cover a full annual routine physical, but only a Medicare “Wellness Exam”.

[@Larry30102]

@@AbtInsuranceAgency Thanks for the reply. The free annual Wellness visit wasn’t free. My Dr charged $300 above the cost of the Annual Wellness visit.

[@captnbob683]

My Medicare Plan B started this month March 2023. How much time do I have to add Plan G or N before I have to get an underwriting

[@AbtInsuranceAgency]

Until the end of August. Call us, we can help! 888-465-9728

[@hellkitchen888]

To understand the Medicare coverage, you need a doctor degree to be able to understand most of the terms and on top of it the terms are keep changing every year. Most important is Original Medicare is not everyone can afford it. I only afford Medicare Advantage Plan. If you want to get Original Medicare with Vision plan, Dental insurance and hearing coverage. Gap insurance and etc. it will cost you almost $500 a month. Not everyone can afford it.

[@nahidquraishi243]

Wonderful video, thanks for explaining so nicely👍

[@67daltonknox]

In my area, the best Medicare is to join Kaiser's Advantage. You get good quality care in an integrated system with no fee-for-service physicians or surgeons and no monthly fees apart from Part B.

[@gdpope52]

The only fly in the ointment is accident or illness is when you travel.

[@67daltonknox]

@@gdpope52. I was hospitalized in England as an emergency. Kaiser paid the whole bill.

[@sherrytrommer7643]

Thank you for your videos...so helpful to me. Are your services available to persons living in the US Virgin Islands?

[@jcutey]

Thanks Stephanie for an in depth explanation of a complex issue. Question: If I pay the $233 deductible of Part B in full right now do all the benefits of Plan G become active? For how long? Do I have to pay anything extra per month to avail those benefits? Kindly respond. God Bless you.

[@AbtInsuranceAgency]

If you have purchased a Plan G it will kick in and pay on all Medicare approved medical and hospital bills after you’ve met the $233 annual deductible. The deductible re-sets each January. I hope this helps!

[@jcutey]

@@AbtInsuranceAgency Thanks for the quick response. But do I have to pay anything EXTRA for Plan G until January of next year?

[@varonadee6980]

@@jcutey Don't know if this helps, but I met my Part B $233 deductible in May, so all my doctors visits have been paid for 100% since then, by Medicare and my Plan G. I still have to make monthly payments for my Medicare Plan B, and for the Plan G policy to continue, however. I'm not sure if this answers your question.

[@befree9457]

Stephanie, thank. you. Do I need plan D if I get plan G? so I will have A+B+G

[@AbtInsuranceAgency]

Yes (likely) and yes! Call us with questions anytime. 888-465-9728

[@jocelynarranaga2195]

Hi Stephanie, Is Medicare PPO better than traditional Medicare? How about the price? Thank you.

[@denniss3980]

No offense but why are most presenters on these Medicare videos my daughter’s age, I would like to hear from people that actually use the plan

[@AbtInsuranceAgency]

We help and work with several thousands of seniors who use this plans and hear all the ins and outs first hand, but I get where you are coming from!

[@nonenone4219]

Wonderful video! Very informative. Do you have one explaining part D? And it's cost.

[@AbtInsuranceAgency]

Yes! kzbin.info/www/bejne/fn29n4KZrbaVjsU

[@nonenone4219]

@@AbtInsuranceAgency Thank you much.

[@castbob]

Stephanie, my wife and I are both turning 65 in June and July. I retired from BISD12 years ago and I am on TRS. My wife is also a retiring from BISD in counseling in 2 weeks. I'm not crazy about the TRS Medicare advantage plan. I would like to schedule an Appt with you to go over all our options. But plan N sounds good to me. How would I go about getting and appt with you so that we can both sign up at the same time? She already has her Medicare card. I'm waiting on mine. I had to piggyback on here Medicare through spousal privilege, since I didn't have the quarters. She is from July and I'm from June.

[@larrydee8859]

Thank you Stephanie, for your very informative medigap videos. I've been enrolled with original Medicare, since age 65, with a Blue cross Medicare related coverage, supplement plan, (that my former employer provides). We retirees, were just notified, that our former employer, is not only stopping this plan, but is auto-enrolling us into a horrible Medicare disadvantage plan, within a few months. (However we still have our Medicare part D drug plan, still provided by our former employer). I just turned 70, and pretty much fairly ok health wise. I absolutely want to stay in original Medicare, but now need a medigap plan, such as plan G, that seems to parallel my old Blue Cross Medicare related coverage plan. I live in New Jersey. What would I expect I'd need to do, in order to keep my original Medicare, while trying to obtain perhaps a G plan? Would I have to go through an agent? (I hear many are corrupt and would rather enroll people into Medicare advantage plans without telling them, and take the commission, rather than enroll the customer into an original medigap plan). Where do I start, and how do I proceed with this process? Thank you so much.

[@AbtInsuranceAgency]

Please give us a call! We are licensed in NJ and can definitely help you. You would be able to apply for certain Medigap plans “guaranteed issue” without health questions or other Medigap plan by answering health questions. We can help you determine which plans are best for your needs and your situation! 888-465-9728.