Read the Charts!! Medicare Supplement Plan G vs N

[@medicare365]

Most people are going to get a Medicare supplement plan G or plan N. Which is for you?

[@MarianTRitch]

Why not just use your Medicare card? That’s what they are doing

[@materto2]

I found out my husband is required to get plan f when I retire. He has been on SSD since 2004. He decided to sign up parts a & b when he qualified for Medicare.

[@CherylKramer-j5f]

Instead of these plans I’ve been looking into stand alone plans for dental/vision. I don’t go to the doctors often so I feel I do not need Medigap just yet

[@cathyneu7783]

Scam

[@cathyneu7783]

You will need medical unless you die at home

[@kim.in.nature.]

Very clear and easy to understand. Thank you!

[@medicare365]

Thank you 😊

[@dennisseger6717]

I am in Ohio and they do not slant charges above what Medicare pays , that is why I chose Plan N. Plan G covers that if your state allows up charges so that’s why I chose N. No need for that coverage.

[@WhiteRosez007]

Good Job.

[@medicare365]

Thanks

[@RC-vv6nr]

Plan N 2024 in New York, the premium is $242.75 monthly. An increase of 12% from previous year. In just a matter of a few more years it’ll be over $300 a month, this is excluding Part D drug monthly premium. It’s just not sustainable. The only other option is Medicare advantage, and that has more minuses than pluses.

[@lizettramos9240]

Great job Brian your the best in given us the best information about Medicare thanks

[@medicare365]

Thanks!

[@davidlloyd2943]

Do u get additional cards for plan G or N or do u just use the original card

[@medicare365]

Additional

[@CarolJohnson-l7c]

Where do you get 140.00 my agent said200.00

[@phyllismassengill6387]

So what does heavy drugs mean? Sorry i don't know what that means

[@Itsme-jv4cd]

If someone has already been on a Medicare (not really medicare)Advantage (disadvantage) plan then they can only apply for a Medigap plan from October-December ,right?

[@medicare365]

And January1-March 31

[@jennymontague851]

That is not true. I have Plan G and I have to pay deductibles for simple outpt walk- in urgent care just to have a Mesquite Tree thorn taken out out of my finger or hand. I am also having to pay for phone calls to a Dr. with a simple question, or concern and they are billing for Tellmed for nothing. Can you explain that? They are paymenting me to death for teensy things. Ridiculous. (Im in AZ).

[@medicare365]

$240 deductible a year

[@phyllismassengill6387]

2025 information

[@wendyallen7814]

Brian, I’m just running into this supplement mess!! My mother has one and she broke her hip in Oct…. The skilled nursing facility couldn’t keep her longer because of insurance. She went home against my suggestion and was only home 12 days before falling again and breaking the same hip and now leg as well again. I’m so angry and don’t know what to do. Can you help people in Georgia? Thank you in advance

[@medicare365]

I can help people in Georgia, but it sounds like she is on an advantage plan. She won’t get accepted by many companies switching over.

[@wendyallen7814]

Oh - I’m so confused. Should I contact her current insurance broker or could you help? This 20 day thing has just stunned me.

[@joycemccloy]

Sounds like you have to appeal and do it quickly. If you don't have an agent you could call your state health insurance commission or SHIP office. Read and learn the plan details.

[@carolinebeck807]

Love our plan N! I have noticed the last appointments have added the full $20. I go twice a year so it's not a big deal. A new Dr. had hubby pay $20 up front before the appointment. We're still saving hundreds of dollars going with plan N over G.

[@medicare365]

Thanks for the comment. always appreciate comments of people who have the plans.

[@CarolJohnson-l7c]

50.00 at emergency room

[@UncleDavesKitchen]

I have Plan N. I've had two co-pays by physicians, one charges $11.71 and the other was $9 and the others charge no co-pays. I've no idea where they came up with the rates. I see each physician twice a year so I'm saving so much more with Plan N vs Plan G.

[@medicare365]

Good to hear! Thanks for the comment.

[@lenorelopez748]

Wonderful video. Thank you so much!

[@medicare365]

Appreciate it.

[@jennymontague851]

I have plan G and I have to pay for teleheath and and urgent care. Those add up pretty fast if you live in a rural area and have to travel for both. So, amd I being screwed or what????

[@medicare365]

Do you have an agent? Call them or call the plan G company and see exactly what you are paying for.

[@rosemarybedosky146]

On Plan G you have a one time annual deductible of $240 (in 2024) after you pay that you should not have to pay anything further. Make sure that your claim processed through BOTH Medicare and your supplemental insurance company.

[@srae1503]

Isn't a plan N way more if you get admitted to the hospital? Daily deductible for x amount of days?????

[@medicare365]

Deductible is Part B. Not hospital

[@christinaduffy6618]

Is it true if you start on N and try to move to G you get underwritten?

[@medicare365]

It all depends. That is a very broad question

[@javy1960]

what are the best medigap and plan D? I have cancer, and heart condition, not 65 yet but would like your opinion what a person like me options are?

[@MaryBethMcCoy]

When you turn 65, you will have a 6 month window of time where you can enroll in any Medigap plan you want with no medical questions asked. So, no need to worry. Just make sure you do not miss this initial enrollment window and have a good broker like Brian help you select the best insurance company to go with. Most important will be selecting the company that has good financial stability and low rate increases over time since in your situation, you may not be able to switch companies later on down the road due to underwriting requirements.

[@pagesk2001]

Thank you for your videos. As I am reaching retirement in a few years and having this information is very helpful in retirement planning. I had a question, is it possible to change programs annually or are we signing up for the rest of our lives? Thanks

[@waynekaminski5438]

That is a loaded question. Let's say you decide to sign up for Medicare Advantage. You then approach your next open enrollment period (Oct. 15 - Dec. 7). At that point you could choose to switch to Traditional Medicare (government Part B premium plus Medigap policy and Part D prescription drug policy). Good News, since you have been in Medicare Advantage for less than a year, you will not be subject to the Medigap insurance underwriting screening. Underwriting is the insurance company's way to rank you for what risks you pose to the insurance company if they decide to accept your application. However, if you decide to stay in Medicare Advantage past your first year, and then at some future open enrollment period want to switch from Medicare Advantage to Traditional Medicare, you will have to go through the Medigap insurance company underwriter screening. This is when any medical treatments or prescription drugs provided under Medicare Advantage and any evidence that you have a chronic medical condition (diabetes, heart, liver, etc.) can be used by underwriters to deny your Medigap insurance application. At this point, you are then stuck in Medicare Advantage for the rest of your life. Had you decided to enroll in Traditional Medicare from the start, then you are not subject to underwriting. The rules on switching plans can get complicated, so the best way to understand the ramifications of your Medicare choice at initial enrollment is to discuss this with a licensed insurance agent. You can get more information through your county health department (there are free "Understanding Medicare" seminars) or by contacting a Medicare licensed insurance broker who will discuss all the ins and outs of Medicare.

[@karinhart489]

I have a Plan G with AARP/UHC, and all plans administered by UHC have their version of Silver Sneakers included (both supplement plans F,G, or N and their MA plans). That said, a gym benefit would never be the plan decider for me.

[@medicare365]

I hear ya. Thanks for the comment.

[@jennyreardon2719]

Plan N or plan g are the best. No question. Medicare advantage plans are the worst. Denied coverage, out of pocket costs… no!

[@medicare365]

I agree

[@lizettramos6422]

Your the best of the best brain

[@medicare365]

Woohoo! Thanks Lizett. Keep thinking positively!!!

[@JJP888]

Florida Blue Cross for Fort Lauderdale, Florida is $316 Plan G . I am a 66 year old female non smoker . Please do a video on the prices in South Florida . I pay for the plan G because it is excellent.

[@medicare365]

Sorry… but I don’t do videos on prices in a specific area.

[@rosemarybedosky146]

Rates on the East Coast of FL are $100 more than on West Coast of FL on average.

[@mimi1o8]

Im your age and paying $174.70 for plan G in Southern California and I thought it was expensive 😅

[@mjbftl]

Unfortunately I am finding that plans in South Florida are ridiculously priced compared to the rest of the US. I would happily sign up for Plan N at $100 or so a month but it's closer to $200. It's why well more than half of all Medicare recipients in these high cost counties end up on Advantage plans.

[@barrydraper]

Aren't you automatically signed up for Part A & B if you're drawing SS? Then you'd skip to the next big decision? I like the Plan N the best.

[@medicare365]

Yes, if you are taking social security you “should” automatically be signed up for A+B on the 1st day of your birthday month at 65. Unless you were born on the 1st of the month, then it should be one month prior.

[@thomaschadwick4699]

If your getting shots for osteoporosis does this send up a red flag for underwriting?

[@medicare365]

That shouldn’t be an automatic red flag

[@thomaschadwick4699]

@@medicare365 Thank you. When we are ready to shop our Plan N will contact you. Regards

[@waynekaminski5438]

question when choosing Plan G. With Plan G, Company X charges $180/month, Company Y charges $160/month, and Company Z charges $140/month. How does one go about evaluating these three? Is it to just go with the lowest premium company because all three companies must provide the same Plan G coverage? What makes one company more expensive for the same Plan G? What is the value proposition in a higher priced premium? Use the same question for choosing Plan N (substitute N for G). I guess part of the evaluation is which is better, community rated or attained age Medigap policies over one's lifetime.

[@thinkingimpaired5663]

If I choose N and in a year I decide to change to plan G, are there any issues with qualifying?

[@medicare365]

Depends where you live and what zip code are you in

[@davidlong2048]

What if I want be on social security yet do I still have to call ss office? And how would I pay for my medical, credit card or how would they want payment.

[@dandan3643]

I signed up for Plan N and Part D yesterday with Brian. It was a pleasure talking with you and he completed it in like 20 minutes. The rest of the time I was jibber jabbing. lol. Thanks again Brian!

[@medicare365]

Thanks for the comment! Pleasure talking with you also.

[@jrocha6511]

How do I become an agent to sell Medicare supplement plans in Massachusetts?

[@rayberger2694]

Can I just get my medicare part A & B and stop there ? and then just use my VA medical like I have been doing for the past 10 years ??? I never hear anyone talk about this.

[@medicare365]

Sure you can.

[@manonfire3642]

Why are my premium payments jumping to $310 monthly effective 1 January 2024? CIGNA is the plan I'm on. That's exorbitant for a SS recipient isn't it?

[@medicare365]

Depends on a lot of factors

[@manonfire3642]

@@medicare365 name a few.

[@tomschmidt381]

My wife and I were on Plan F and several years ago switched to Plan N with a different carrier. It has been working well for us.

[@medicare365]

Smart move!

[@Drmikekuna]

I believe Mayo Clinic does have excess charges, but they are the exception.

[@jdenino6022]

Are they going to send me a bill for part b premiums or should I just set up a Medicare account and pay it online. I keep putting it off. It’s supposed to start on January 1, 2024.

[@sct4040]

If you are not on SS, then you need to set up medicare.

[@medicare365]

This is true.

[@Edu_Kate]

I'm in Minneapolis, MN. It sounds like Medigap Plan N is appropriate for me. I called my current disAdvantage 🤨 insurer to ask about traditional Medicare. I was quoted $237/mo. premium and separate Part D at $40. 😱 Armed w/ knowledge you and others have shown your viewers, I mentioned the differences between traditional vs. Advantage. Salesperson got real quiet. 😏 Knowledge is power. She's sending me info, but I'd like to shop around (despite having no previous issues w/ this insurer) to see if prices lower elsewhere. I'm relatively healthy and only see Doc 1x per year. No prescriptions. I asked about underwriting. She read me from their list of questions, weight wasn't one of them. That's my only drawback and was rejected for it last year w/ different insurer. I scheduled an appt. for last Friday, but our wires crossed. I will call office again to schedule person to person. Computers have not been my friend lately. 🥴

[@medicare365]

It would be but MN doesn’t have plan N. Something similar though

[@Edu_Kate]

@@medicare365 Hmm. I got materials from my current insurer and of the several booklets, one was labeled Plan N. It's $200/mo. They didn't mention it on the phone, but why would they send me a booklet for Plan N? I noticed none were Advantage 😏 Nothing about their Plan D, which I will need to order. I'm just happy to be allowed to get on original Medicare w/ relatively easy underwriting questions.

[@donnamaly7168]

Does Illinois, Kane county have N plan? If not, why?

[@maaloufgeorge2926]

Thanks for the excellent presentation. Just for your information Plan G with United Health Care AARP in Florida provides a free membership to the gym. I am not really sure if this is available everywhere in the country.

[@medicare365]

Yes, many places. Thanks for sharing

[@corinnetippit7983]

Are you licensed for WA state? I tried setting appt today on your website after watching video but could not proceed. Left voicemail at 315pm pacific time zone.

[@medicare365]

We are swamped at the office because this is the last week of the AEP.

[@tjc5624]

Rode Island😮

[@medicare365]

Oh yeah

[@marksnyder8697]

My goal is $300 a month for plan N ,D dental and vision.

[@medicare365]

very doable

[@UncleDavesKitchen]

I have Plan N and most of my doctors do not charge any copays. I have two that charge less than the max. I really like Plan N.

[@ohiopat]

I don't add in the $174.70 because it cancels on both sides of the equation and muddles peoples minds. I call it the "old peoples tax" since everyone pays it.

[@medicare365]

This is true

[@wuddayameen]

Would you explain why someone would not always select the cheapest plan G in their area? It doesn't make sense to me to see different prices for plan G because common sense makes choosing the lowest cost the obvious choice.

[@g0989]

You have to consider how much the premium could escalate in future years. The lowest-cost plan when you sign up may not be the lowest 5-10 years down the road. Not a problem if you can pass underwriting to switch to another plan. But if you can't, your stuck with that Supplement, unless you want to go with Advantage instead. With only a very few exceptions, Supplements available in my ZIP Code are attained-age policies, which are the most vulnerable to higher premium increases over the years. Best to have an agent track historical premium increases with each Supplement company, to predict which company is likely to have lower premiums over the course of time.

[@medicare365]

Nice reply

[@Yahoo12]

PA doesn’t have extended cost. If I sign up in PA plan N. What happens if I need medical care in FL which allows doctors to add extended charge. Will I pay the extended charges in FL?

[@medicare365]

Do you mean excess charges?

[@alphamale2363]

Are dental, vision and hearing three different plans at that cost or one plan?

[@medicare365]

Most companies bundle them together at that cost

[@alphamale2363]

@@medicare365 Great! Thanks.

[@MsGail61]

There’s an H in Rhode Island.

[@medicare365]

Alright Rhode Island! No clients of mine are on a Plan H but if you want it, go for it!

[@MsGail61]

@@medicare365 I meant you spelled it wrong.

[@medicare365]

There you go, it's fixed. I appreciate it

[@lcas2891]

I live on Ohio. Signed up for N. So far, none of the doctors I have visited have charged the co-pay. So glad I went with N and not G.

[@medicare365]

Good to hear!

[@ziva1]

I'm in Ohio also. No excess charges either

[@chestertnted]

Still have to go to underwriting if move to plan G if get very ill.

[@medicare365]

In most states yes. It can get complicated if you don't use a broker

[@sct4040]

No underwriting in some states, ex, ny.

[@EllenS-o7o]

Plan N plus $0 premium Wellcare Value Script 😀

[@medicare365]

Can't beat it unless someone wants a plan G

[@EllenS-o7o]

My total premium is $81 so I feel fortunate@@medicare365

[@evanm4503]

I have the same coverage.

[@cathyneu7783]

I want the healthcare dementia Joe is getting.

[@medicare365]

????