Medicare Part A B C D Explained (and made simple!)

www.abtinsuranceagency.com | [phone] Medicare Explains - Parts A B C and D, also Medicare Supplement and Medicare Advantage Plans. This video explains the 4 main parts of Medicare and review what you need to know if you are getting onto Medicare for the first time.
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Medicare Supplement vs Medicare Advantage: • Medicare Advantage vs ...

[@carolynwolfe5023]

Something is really wrong with our system of government when we need to watch youtube videos and spend hours researching just in order to enroll in medicare. It's ridiculous. Thanks for the video and enlightening me on what I have to look forward to. Nothing should be this complicated, or this expensive.

[@cardiackidjones2848]

Amen, our insurance is not designed for consumer to understand unfortunately.

[@panchopantera7321]

We pay social security for decades to end up paying more after we retire it's not only ridiculous but also a corrupt system. It should be free after paying for so many years , I'm so glad I have my plan B, meaning leaving the country after I retire.

[@edmhie1]

.........beause most of us will be old by the time we apply for Medicare. It's one way that they can screw as up specially between choosing the traditional vs Advantage plan.

[@asgio27]

So agree. Egregious.

[@MAchannel2024]

Welcome to America, Land of the Free. LOL.

[@The1776American]

The info CAN be found on Medicare and SSA websites. But it takes a LOT of digging. This is GREAT info in a short time - Thank You! Here's an interesting Medicare TRAP - STOP contributing to your HSA at least 6 months before you sign up for Medicare (for those over 65 by 6 months or more). If you get a voluntary retirement proposal (with nice benefits) that compel you to retire "a little" early and instantly lose your creditable Med Insurance, well, that's my situation. Or maybe you are part of a "Reduction In Forces (RIFF)" or whatever they call them today. Seems the Medicare TRAP forces you to pay a penalty for either your HSA contributions or your Plan D. Must figure that out, not sure there is a way to avoid some kind of penalty/theft.

[@marisolgonzalez2468]

Within 24 hours, someone reached out to me and was able to answer my questions about Medicare. Your agent, Jaqueline, was excellent. Thank you for what you do!

[@AbtInsuranceAgency]

Thank you for giving us a call!

[@asgio27]

very helpful. thank you.

[@dugfriendly]

Concise and helpful 👍

[@user-ix7tr3go6l]

thanks for your work

[@HeleneSecret]

Your the best!!!

[@Gumby1978]

Thank you for taking the stress out of moving to Medicare.

[@jhors7777]

Thank you for posting this helpful video.

[@AbtInsuranceAgency]

You're welcome!

[@MrTwistoff]

@AbtInsuranceAgency, Thank you SO MUCH Stephanie for your clear explanations of this stuff. Your excellent grasp of the subject matter and the ability to convey that clearly is so helpful. Really appreciate the work you do here - have shared your info with quite a few friends and they've all appreciated it as well.

[@AbtInsuranceAgency]

Thank you so much for this compliment, and for sharing! 🙂

[@andyrose5576]

Thanks Stephanie, great information straight to the point….😊

[@AmericanChristianRadioReturnTo]

Love, joy and peace of God-surround you for sharing this information.

[@rosalitadelrosario8794]

Hi, Stephanie. Can you talk about the long term care? Thanks

[@amandaluu6047]

Thank you for sharing all this great information in an easy-to-understand presentation. I've started to look into this for my parents, and it's been so overwhelming. Love that you are so responsive in the comments. You're helping tons of people! I'll be sure to call your offices when it comes time for my parents to sign up for an advantage plan. TYSM!

[@AbtInsuranceAgency]

You are so welcome!

[@garypratt1453]

Excellent presentation

[@AbtInsuranceAgency]

Thank you!

[@bethcasteel]

Thank you!!!

[@rockerupchuck4468]

Good info thanx much ♥

[@Myfriendvinny]

Thanks.

[@StephenRutan]

Thank you for your very clear, current explanation of how the different parts of Medicare work. I followed up with Abt Insurance to get answers to more of my questions. The associate handled all of my inquiries and set me up with a Medicare Advantage plan with a major insurer. This was definitely the best solution for me (just turned 65 in 2/23). I highly recommend going to Abt Insurance for answers to your Medicare questions. Relax! This call is free, unthreatening and will help you decide which Medicare plan is right for you!!! Abt Insurance: Thank you for your videos and your professional consultation!

[@AbtInsuranceAgency]

Wow, thank you for taking the time to leave this comment! We are thrilled to have been able to help you.

[@Pettiger]

If someone’s moving out of the country, is Medicare still a must thing to enroll? Thank you for your video!

[@saad_hussain94]

Thank you Stephanie, my professor actually recommended this video of yours and it was so worth watching it. Can you dive more into Medicare part D as that is something I am trying to find more info on? (if you have a video already , can you re-direct me to it?) Either way, thank you so much!

[@AbtInsuranceAgency]

Try these! kzbin.info/www/bejne/a2nCaKBjjcp_rLMsi=grdHOVfKLa0DllbM and kzbin.info/www/bejne/fn29n4KZrbaVjsUsi=XJxE5iD82rjEzy9F

[@do9138]

Humana is great. I paid a grand total of $958 for cancer treatment.

[@annbenson9760]

OMG, thank you so much. It’s so confusing.

[@AbtInsuranceAgency]

You're welcome!

[@annaguerrero7076]

The government doesn't give us enough education/ information. Second, insurance companies call us every day for sale, but they are laying information. they only need to be sold. 3 thank you for your valuable information.

[@AbtInsuranceAgency]

You are so welcome!

[@dads3boys]

Thanks for the information on this video. I'm a former civilian Federal Government employee and just turned 64. Given the scope of my current insurance coverage, I'm trying to determine the necessity/value of enrolling in Medicare at all. Even if I enroll in Medicare Advantage and the gov't covers my Part B premiums, what am I gaining? I'm sure a lot of former feds have the same question. Thanks again.

[@AbtInsuranceAgency]

Typically federal retiree insurance will act as your secondary insurance, so most folks will opt out of enrolling in an Advantage Plan or a Medigap plan.

[@richardnordt7218]

Best advice or suggestions for Vision, Hearing & Dental. These are the black holes for seniors. As always we rely on you and your group for guidance. Thank You

[@km-bo3zx]

Put money into an HSA.

[@keithward2565]

If you are on Medicare I do not believe you can contribute to a HSA.

[@km-bo3zx]

@@keithward2565 That is correct and is why you should have been doing it during your work years!

[@UmpTSquat]

​​@@km-bo3zx Hind sight is 20/20, eh? Great advice... if you are still working. Doesn't really help if you are no longer working and unable to put money into an HSA.

214 like very nice video 👍☕💯👍🙋🏻‍♀️

[@steveclark8162]

If I am in a higher income bracket according to my tax return from two years ago versus what my income actually is for the current 2023 year, when is the right time to send in Form SSA-44 to my local Social Security office in order to potentially reduce my IRMAA upcharge for the current year? Also, what are the specific types of documentation that the SSA normally accepts as proof of your lower income during the current 2023 year? Thanks so much for any insight you can provide, Stephanie! Your KZbin videos are extremely helpful to someone who is about to go on Medicare like me!! 😊

[@AbtInsuranceAgency]

You should wait until you get your Medicare premium bill to appeal. It’s best to appeal in office at social security if possible.

[@KJ-vc3sw]

I cannot thank you enough for making these videos. You mention that Part C (advantage plans) oftentimes include vision, prescription drugs, and dental, but at no extra costs (?). How is that possible? Are Part A & B deductibles and copays increased to make up the difference? And why would a private company provide this service for free? What's the catch? Am I misunderstanding something?

[@AbtInsuranceAgency]

This video explains! kzbin.info/www/bejne/pH6ohml_etCZbbssi=vZkAFczrZdgE6rYM

[@pinecone6668]

Hello, I am 70 and currently receiving Social Security Disability benefits and not working and covered under my wife’s health insurance, do I have to sign up for anything other than part a ? The big question though is when will it make sense getting Medicare and will it help and save money because of many health issues ?

[@AlwaysLisaLisa]

I feel bad for most of us as SSI is not a lot and Part bB can be almost $200, not including remaining parts C n D

[@matthewj2492]

This is more expensive then what I am paying for at work!

[@PS-mr2bo]

Remaining parts c and d? I thought a and d would remain. C is a, b, and d bundled. So if you already had b, then c (a/b/d) would not remain-- a and d would remain

[@ftrkhan]

Hi I watch your youtube vedio regularly. Appreciate what you are doing for seniors. I have a quick question. I am 68.5 years old and still full time employee with my wife in my companies health plan. Company has more then 300 employees. Monthly premium for both of us including drugs, vision and dental is $162 per week. Its a comprehensive plan. My wife is 10 years younger then me. Can i join free advantage plan while keeping the companies . How often can i change the plan from advantage to medigap or vice versaa. Thanks

[@AbtInsuranceAgency]

In this situation it makes sense for you to delay Medicare altogether while you remain on this coverage. When you are ready to drop this employer plan then you can enroll in Medicare and then choose to get an Advantage Plan or a Medigap Plan!

[@Xman-lg7qg]

i need more information in regards to Part B--D. I heard on this video that i should have medicare already by the 1st of the month when I'm turning 65 ? i did applied previously, but my records still showing pending- don't know pending for what. Also that i need to pay for medicare part B but at the beginning of the video says Part A and B are free. Confusion here!! How can i get all these answers and more understanding before i get penalized.

[@jimm7626]

Online Medicare form doesn't list part A anywhere on the page, that was a little confusing because I thought I had to select it. Maybe you covered this in a prior video I missed.

[@AbtInsuranceAgency]

Yes there is no place to select Part A only. You just select “No” to part B!

[@alumahomeinspections7009]

Hi, after my wife retiring next year at 62, we think live out of the states, can she get Medicare at 65 living abroad? Thank you!

[@mbl0729]

Thank you! Thank you! My husband is turning 65, still working but getting health insurance through me, I got mine through my company. Can he delay enrollment without penalty?

[@carda5967]

Did you find out about this? When I looked it up it said there was a penalty but when I did the math it was maybe 10 or $15 a month added for each year you delay. I don't know if I'm correct on that I'm just trying to figure this out but it seemed like it might have been worth it to delay if you're making money. Of course if you have insurance I don't think they penalize you. Still I'm not not positive on anything.

[@nallslex]

What do I do if I am about to turn 65 soon an plan to continue to work, can I keep my insurance and get Medicare?

[@muhammadusman-sx5di]

But to be enrolled in advantage plan patient have to be enrolled with Part A and B then what is the difference. I hope you understand my question

[@picudopr]

I will be 65 on July 2024,, I am retired from the Federal Goverment. I will get Medicare A,, and also B. I am thinking of getting part D, since the Federal government will continue to help me pay my Blue Cross Blue Shield affiliate Health Insurance in Puerto Rico which is called TRIPLE S. Is that a good idea????

[@njlifeandhealth]

Easy as pie

[@silver6054]

The delaying medicare because of employer coverage (>20 etc) also applies if your spouse is the one working, right? So long as you are covered under his or her plan?

[@AbtInsuranceAgency]

Correct!

[@MrRamayr98]

My wife turned 65 in February of 2023. Luckily, I was able to enroll her in time to not get penalized for late enrollment. But at the time I didn't know anything about Medicare. Everything's been fine since February but now I'm beginning to worry about going forward. After watching multiple videos, I'm sure I need a supplemental plan but now I'm wondering if it's too late to enroll her in one. How hard is it to enroll her at this point?

[@AbtInsuranceAgency]

It depends on her health and where you live! You can also call or email us for help. 888-475-9728 or [e-mail]

[@scartoon-ln9km]

Hello i see all your videos to get more knowledge. As we are working with agency for med advantage campaign CPA from last 4+ years and helped many people with medicare need to get connected with your agency please can you help me . We can both help many people who is looking for more information about medicare adv

[@Diamond-gv7xw]

I have a question for you about a married couple. The wife is retired on disability and the husband is still working. She is 71 and he is 66. They were told that she could not get on medicare because he was working and was paying for health insurance through his work. When he retires in January of 2024 will they both be able to apply for medicare without a penalty?

[@AbtInsuranceAgency]

Yes!!

[@RodgerHarrell]

I had never heard of Plan G until today. My Medicare just started this month. What is the difference between Part C and Plan G?

[@AbtInsuranceAgency]

This video explains that! kzbin.info/www/bejne/bHaniXubZ65-jtksi=7_2fZ3QqDZUirkxK

[@jessicavelez3928]

What if someone that is turning 65 however is still covered under the wifes health insurance since she is still employed ?

[@AbtInsuranceAgency]

You can delay your Medicare enrollment without penalty.

[@brucemattingly6476]

Love your videos Ms. Abt..! I've been researching and although lots of shiny objects with Medicare Advantage, I'm going with Medicare Supplement..! Few questions please. Born 1957 so I'm at full retirement age 66 years, 6 months at Nov 2023. I delayed Medicare A & B until now because I work and have group medical insurance, and will keep working many years in future. Ok, questions: 1) If I go with Medicare A, B, ,D, G, can I just drop out of Medical Group at work and keep my dental and vision plans at work..? FYI, my portion of employer group ins about $140/month. 2) I'm super healthy, but like idea of going with G from start to avoid switching down road and going through underwriting... Do you have many customers that go with G High Deductible and happy with that long-term..? 3) I'm natural remedies health and wellness guy, no conditions, no meds, and will never take meds long term, only short interventions... So does this seem to fit with bargin basement plan D policy (near zero premium), or is that not wise..? 4) I live in Phoenix and heard for Supplemental plan Medico is good to consider, as it's small behind scenes company without big advertising, known for lower premiums and smaller rate increases vs the big boys... Does that make sense..? 5) Any other random thoughts you might have for me..? Thanks in advance Stephanie..!

[@AbtInsuranceAgency]

Lots of great questions here! Please feel free to email me at [e-mail] So I can give you a more in depth reply!

[@TinaTia-eq2kh]

So when turning 65 and still working and paying for medical insurance thru work [large federal agencies] a person can switch to Medicare if Medicare is cheaper?

[@AbtInsuranceAgency]

Yes!

[@philam1973]

Sorry I still don’t understand ( due to my situation). When I retired, I moved out of the country. I KNEW. I would never return long term to the USA. I refused sign up for any medical coverage and I believe, if I have to pay, I only have what I am forced ti pay. I was sent a letter saying i may get a rebate on Part B. Do you know how I am supposed to know what applies to me? Thanks. BTW I retired 5.5 years ago.

[@AbtInsuranceAgency]

It sounds like you’re talking about an Ad for a plan with a Part B give back. If you don’t have or pay for Part B then this wouldn’t apply.

[@lindalawson1595]

I did not take part D when I first signed up due to my ss being so small. Well, I didn't know that you either take it or they will take it from you as a penalty!!!!! Now at 70 I have to get a FT job to make up for the extra. What a joke this medicare system is.

[@carda5967]

We were considering this also partly because we try not to take medicines but if anything big happens we may have to. Can you explain that better? If you don't mind. How much do they take and why do they take it?

[@littlebitofhope1489]

If you are retired, but still have healthcare through your employer do you still sign up for part B? They have PPO's (too expensive for me) HMO's and a Group Senior Advantage plan. They say I have to switch from a regular employee group plan, to a Medicare plan. If you sign up for the Senior Advantage, can you later change to a PPO or HMO or a medigap plan? They have more than 20 employees.

[@AbtInsuranceAgency]

If you are involuntarily losing employer/retiree coverage (because your plan gets changed or cancelled on you), then you have a Guaranteed Issue right to purchase a Medigap Plan without medical underwriting. You can also enroll in an Advantage Plan if you lose employer/retiree coverage. I hope this helps!

[@littlebitofhope1489]

@@AbtInsuranceAgency Thank you. I found out today that they were being a bit deceptive to try to get me to sign up for a Senior Advantage plan that would be much less expensive for them, but more for me. The plan I am on is full coverage, and is less quite a bit less expensive since I have a locked in rate. My confusion came from that it seems. I will have to go on Medicare in a couple of years, and will definitely keep you in mind.

[@muhammadusman-sx5di]

Ma'am first you said that for having Medicare advantage plan patient don't have to enroll in Part A and B through the gov.

[@AbtInsuranceAgency]

When did I say that?

[@joemullen8453]

Good morning, great video. Can I delay Part D (prescription) if I currently have it at work and plan on working past 65? In other words, is Plan D treated just like Plans A&B where I don't have to enroll at 65 if I'm still working but can then enroll on all 3 when I do decide to retire? Thank you!

[@AbtInsuranceAgency]

Yes, correct!

[@joemullen8453]

@@AbtInsuranceAgency Thank you. When I do plan to retire, can I work with your agency to acquire Part D or other gap insurances? Thank you!

[@AbtInsuranceAgency]

@@joemullen8453 Yes, we would love the opportunity to assist!

[@Rooster_Crows]

Hi, I just got approved by Medicare Plan A status says Enrolled, however under this statement it states: For Pact C (Medicare Advantage) and Part D (Medicare Drug Coverage) details, please contact Medicare the status of your enrollment, but I’m under my wife’s coverage which she has a good plan which covers me. So I don’t have to check on any additional plans from Medicare because I’m under my wife’s plan, right? I have to wait until I lose her coverage to add Medicare Plan B,C, and D.

[@AbtInsuranceAgency]

Yes, correct!

[@devinwaggoner702]

Are part B premiums taken out of one's SS check or do you have to actually write a check for it?

[@AbtInsuranceAgency]

If you are collecting SS benefits then Part B premiums automatically come out of your SS check.

[@mareni.9688]

How does Dual Eligibility for low income people work for Medicare and Medicaid both? Who qualifies?

[@AbtInsuranceAgency]

You qualify if you have both Medicare + Medicaid. www.medicare.gov/Pubs/pdf/11306-Medicare-Medicaid.pdf

[@bonniekent4721]

Hi Stephanie, I learn a lot from all of your videos. I understand that I will be able to sign up for Medicare part A and B 3months before I turn 65. I am already collecting Social Security as of age 62. So when it is 3 months before I turn 65 can I sign up for Medicare part A and B online at that time? That is my first question. My 2nd question is if 3 want to have part C a Medicare Advantage I know I need to sign up for part A and B first but when do I then need to sign up for the part C . Medicare Advantage!? Do I need to sign up for part C also prior to turning 65? Thank you for answering my questions. Best Regards, Bonnie

[@AbtInsuranceAgency]

Bonnie, if you are already collecting social security benefits then you will be automatically enrolled in parts A and B - you don’t need to apply online. You can sign up for a Part C Advantage Plan in your 7 month Initial enrollment window that starts up to 3 months prior to your 65th birth month. I hope this helps!

[@bonniekent4721]

@@AbtInsuranceAgency thank you. Would I be enrolled 3 months prior to turning 65? Would I then get my Medicare card 3 months prior to turning. 65 so that I can enroll in the . Medicare Advantage 3 months prior?

[@AbtInsuranceAgency]

@@bonniekent4721 your effective date will be the first day of the month that you turn 65. You will likely get your Medicare card in the mail 3 months before you turn 65 (ish) and then you can enroll in the Medicare Advantage plan of your choice. We’d be happy to help! 888-465-9728

[@bonniekent4721]

@@AbtInsuranceAgency thank you so much. I will call you at the time about a year from now

[@Xtermy]

Hello, I have a connected question: if I start receiving Social Security benefits at full retirement age (while still continuing to work and on an employer's health insurance plan) will I still be automatically enrolled in Medicare Parts A and B, even though I have employer-sponsored insurance? And if so, will this mean that I'll have to pay the Part B premium despite having said employer-sponsored insurance?

[@materto2]

I'm still working full time and have insurance through my employer. I signed up for parts a&b thinking I would switch to Medicare, but it wasn't approved in time for me to drop my insurance through work. Is it correct that I can wait to sign up for medigap until I no longer have my insurance through work? Will it cause problems later if I sign up for part d now? I get a better price for insulin with part d. I just want to wait to sign up for medigap.

[@AbtInsuranceAgency]

Are you sure that becoming eligible for and enrolling in Medicare isn’t a “qualifying event” for you to drop your employer plan now?

[@materto2]

@AbtInsuranceAgency thank you for your reply From what I read, they consider my insurance through work as primary. Letting me drop my insurance, I don't know if they will allow that. They will help you transition to Medicare, but I'm afraid they will push an advantage plan. Having to pay 20% for my husband's oxygen would make an advantage plan a disadvantage plan.

[@susieq1400]

I plan to retire in May. I am going to enroll in Medicare Part A, as my husband will continue to work and carry insurance for me. Do you think that is a good idea, then I would not need to obtain Part B or a managed Medicare at this time? We plan to move out of state and I don't know what the common insurance carriers will be in our new area that are good. Any suggestions?

[@AbtInsuranceAgency]

Sounds like you’re on the right track - delay Part B until your husband stops working, as long as his work insurance is pretty low cost good coverage for you! Then give us a call 😊

[@marthabennett6876]

I have champ VA through my husband who has total disability. Do I need part C or D?

[@AbtInsuranceAgency]

It depends on your needs! Do you only use VA doctors and hospitals?

[@margieyee6273]

What does it mean if someone chooses Humana Managed Care for their Medicare benefits? Do you know what this does this cover and what it does not cover?

[@AbtInsuranceAgency]

That is Part C - Medicare Advantage. kzbin.info/www/bejne/m4PSiIKGebxrerssi=nw44_B8bAxRQbfRi

[@MarkJanov]

If my mother in law signed up for a plan years ago but now she is out here with me and I see she is not on a good plan" can she change her plans?

[@AbtInsuranceAgency]

Yes! What kind of plan does she have now?

[@Know-ns6vl]

Perhaps I missed the info, does this info apply to Michigan?

[@AbtInsuranceAgency]

Yes!

[@Know-ns6vl]

@@AbtInsuranceAgency thank you for responding and for the great info!

[@lorettasal]

I wil continue to work full time when I turn 65 with insurance coverage so I do not need to get medicare? I thought it was mandatory

[@AbtInsuranceAgency]

Nope, not if you are working and have employer health insurance. You can delay Medicare until you retire.

[@user-rw311]

I'm 45 years old who has medicare insurance I think I'm paying 200$ a month for Medicare. I want to cancel part b because I need that money so badly. If I cancel Medicare part b for 15 years until I reach 60 how much will my monthly premium be after all that time of not having part b

[@olgaleon8989]

Hi. I’m turning 65 on May 15 when do I apply for Medicare part A?

[@AbtInsuranceAgency]

Your initial enrollment period starts in February!

[@user-cl1gn8ke8g]

Hello I have health insurance thru my employer until im 65. If I go on my husbands health insurance as he is younger . Do i have to enroll in Part A ? I believe we have to enroll in A if true can I defer part B and D. ? Also i may be eligible for 1199 union benefit fund covers half of part B should then I still enroll in part B C D ? Thank you.

[@AbtInsuranceAgency]

You can delay all Parts of Medicare if you are actively working and covered on an employer plan or if your spouse is actively working and you are covered on their plan!

[@xongkkerije]

I am trying to help my Mother-in-Law with her Medical situation. She is easily confused and doesn't know what type of medicare she has. How can I find out for her? She's 85.

[@AbtInsuranceAgency]

Have you created a MyMedicare.gov account for her?

[@randyw.8781]

I would like to see more information on co-pay protection coverage and costs for those on Medicare advantage plans. Affordability in premiums can force the unwise C pay as go plans path choice. So, help in the area's copay gap's is desired.

[@Augusto88359]

so....if you choose an advantage plan do they drop the B charges from your social security check?

[@AbtInsuranceAgency]

No! You must continue to pay for Part B.

[@Augusto88359]

OK, thanks… wow I can see why seniors are so confused…. Everyone says that advantage replaces classic Medicare A and B… which in my mind leaves the distinct impression that you would no longer pay for the prior B and instead, you would be paying for the new policy B. I think they should stop saying it replaces it.!! because in actuality it doesn’t. It modifies and supplements the traditional A/B

[@AbtInsuranceAgency]

@@Augusto88359 modifies is a good word!

[@Augusto88359]

Seems like if a person is new to Medicare it would make sense to buy a supplemental instead of an advantage plan. Because you could always go back to an advantage plan later if you wanted to. But if you start with an advantage plan number one you won’t get to choose your own doctor and networks… you’ll be penalized for pre-existing conditions later on in moving over to a supplemental plan. ??

[@carlo4240]

Hello great job...does part D cover biologics and if yes what would the copay be? ...thank u

[@AbtInsuranceAgency]

It depends on the specific medication -- more information on www.abtinsuranceagency.com/finding-part-d

[@phantomtroubleshooter2793]

My wife is turning 65, I am 63. She has never worked in the US. Does she have to enroll or does she get any benefit.

[@AbtInsuranceAgency]

She should be eligible for premium-free Part A through your working credits.

[@phantomtroubleshooter2793]

@@AbtInsuranceAgency Thanks

[@mikemedvedec3456]

If you have C no need for D. How about G , N , HDG ?

[@AbtInsuranceAgency]

I cover that more here --kzbin.info/www/bejne/hqmzc5VuZd2SiZYsi=57iHAked1yf0ycxc

[@snidjantha]

If someone already got Medicare part B only, Can they be eligible and apply for Medicare part A? Thank you.

[@AbtInsuranceAgency]

It’s rare to have Part B only, unless you don’t have enough working credits to qualify for premium free Medicare Part A. In this case you can enroll in Part A but you would have to pay the Part A premium.

[@snidjantha]

@@AbtInsuranceAgency Thank you very much for the answer.

[@americanexploring7440]

Can you choose only part A?

[@AbtInsuranceAgency]

Yes! But in most cases if you don’t sign up for Part B when you’re first eligible and you don’t have other creditable coverage then you may be penalized later on.

[@americanexploring7440]

What you just said needs a whole episode. What the heck does that even mean?@@AbtInsuranceAgency

[@AbtInsuranceAgency]

@@americanexploring7440 feel free to call my office at 888-465-9728 or watch some more of the video on my channel (or both!) 🙂

[@americanexploring7440]

Will do. Thanks.@@AbtInsuranceAgency

[@rubytuesday1316]

I was put on Utah medicare/medicaid after being hit 4 times in a 12 car pile up. Utah EMTs brought me back from death and put me on medicare Because of medicare + medicaid I cant get mental health help. Even in crisis all they do is pass the buck back and forth. Keep in mind If one is in a small county one has to stay in that county. If that county does not have adequate professionals for mental health one is left behind. Utah and medicare even blocked grants for me. Go back to the little building who has to "find" a licensed professional, "vote" on your needs and maybe help years down the road.

[@rosarionunez6954]

We have been paying Medicare since first started working, is so many years contributing to it, penalties should go, monthly premium payments of $176 way too much should go, it creates an unnecessary expense on a retired income, it only covers 80% and we are hit with humongous copayments and deductibles and on top of that we have e to find a suplemental insurance to be covered 100% those insurance don’t come cheap.😢🤨😟it’s a sin to become old….

[@pjtrant]

I don’t understand why there is not just one medicare plan for everyone instead of this mess. This indicates what a sad state our government is in.

[@DebraJMSmith]

The government first devised a way to get a chunk of our money with a promise to pay us when we retire (Social Security.) Then it devised a way to get much of it back (Medicare.) As for Part A being free for people who earned 40 credits (paid in for 10 years), that's bogus, because of the out of pocket cost or extra cost to pay for that huge gap.

[@jalatlaco9827]

Then they tax Social Security -to get more of it back

[@dominiquedourneau7425]

Am trying to be remove from medicare…have other insurance…and don’t need care in US..been a struggle to e removed…

[@CP-os1pc]

I have no clue what to buy

[@AbtInsuranceAgency]

That's what we help people with every day. Our service is free. 888-465-9728

[@tedconrad6995]

this is MADE complicated for a reason. Steph does a super job TRYING to weed through the BS. ~ imo

[@AbtInsuranceAgency]

Ha, thanks!

[@anthonypedraza9785]

So confusing I will call😮

[@AbtInsuranceAgency]

What topic should I cover next? Let me know in the comments!

[@raygayton2394]

Thank you for all the great information. I’ll be calling when I get closer to retirement. 🎉

[@AbtInsuranceAgency]

@@raygayton2394 great to hear that! 🙂

[@daveanddianethrowingcautio5707]

How about covering how Fulltime rvers traveling the country should attack Medicare. I realize overall it's a small group but in reality, it's a large group.

[@AbtInsuranceAgency]

@@daveanddianethrowingcautio5707 I love that idea!

[@betsydoc3628]

piggyback on the RV question, how is Medicare when “snow-birding” (spending 3-6 months in warm weather climate in winter)

[@dvgayle1]

so it's less than three months before I turn 65 and I could be penalized already? Sounds about right

[@icvideos1621]

So, when I turn 65 I will have to come up with more money than I do now to pay for my government required insurance policy? Punishment for growing old. You're on your own.

[@carda5967]

At about the 2-minute mark You say there's a $1,600 deductible for every 60 days. I must not understand what good is the insurance that's not, forgive me I'm notunderstanding. Does that mean we would have to pay $1,600 before they will cover anything in a 2-month period We would never use it. Maybe I should come back again when I don't have a migraine. 🤦

[@thomasrobinson182]

It shouldn't be this complicated or expensive.

[@abc123fhdi]

How are seniors supposed to understand all this and on top of that they still have to pay, should be free. Meanwhile, in California, illegal immigrants get free health care. So if you're here legally you have to pay, but if you're illegal it's free, paid for by people who are here legally. LMAO.

[@raulelgrande5071]

Bello, i have a very easy question. I am 72 years old and I paid Medicare part A and B and end of March I will get retired, so question is, after I get retired do I must keep paying Medicare??

[@michaelmayo-vb5fl]

Lol any young people like myself come across this plan so much u can look at the government program as fun money 😂😂. Im on course lol. No kids no marriage & no liabilities 😂. The government wont have nobody to tax from my family tree after me lol . Id say 50k a year for 70 years lol . I paid up 😂

[@sistabigbone5822]

I need LTC. 😢

[@brendaforster9059]

NOT licensed in Wisconsin😢

[@michaelmayo-vb5fl]

As a 28 year old lol. Shit sound like a scam lol. So I'm paying a 2nd time after 70 years of paying for it 😂. Let me get this clear 😂. I pay 190$ in federal taxes . 125$ in social security guys a week HA!. Medicare guys I pay 120$ .!! 😂 I better get zero monthly payments a month at bare minimum or the broker gonna have hell to pay 😂😂

[@NaviO.o]

If it were the broker choosing to charge this, I'd say sure give em hell, but its not. The brokers just help you figure out what's available in your area and what is possible for you personally. They're just trying to help. Its the insurance companies themselves that decide premiums; brokers just relay the information

[@desbonnes2278]

Brokers also receive payments and commissions from the private insurance corporations. It is their job to enroll you in a Plan to make money. Not every broker is honest.

[@Kinann]

ALL OF THIS CONFUSION IS BECAUSE OF FOR PROFIT HEALTHCARE!!!!!

[@jeffcramer6722]

Nope, third party payors, government interference and crazy lawsuits

[@Kinann]

@@jeffcramer6722 Insurance is there to make a profit. See the similarity?

[@AWayOfLiving84]

🫣🫢✌️

[@julliannwinston5308]

A .. For Acacia imortality B.. For Blue lodge master C..Cornstone ..Craft.. enter aprentice craft D.. Shrine Advantage .. "A" Ancient.."C" cornstone.. catholic shrine.. " B" Blue lodge Black 4:08 shrine

[@sunsetpalms1923]

In countries where they don't hold your health hostage for money, they send you a medical card and your healthcare is free. In America (the land of the free) you have this horrible system designed to be confusing and expensive

[@qstrian]

Shall we choreograph the Medicare break dance?

[@davesnedeker8068]

Does Medicare pay for wheelchairs?

[@AbtInsuranceAgency]

If medically necessary, yes.