How Switching Supplemental Plans Could Save You Over $2000 In 2025

[@MedicareSchool]

✅ Go To Our Free Comparison and Enrollment Tool: medicare-school.replit.app/ ✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool.com/master-medicare/? ✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?

[@evankalbach9985]

But if I understood, if I were to switch G to G I would have to medically qualify, correct? So its possible I might re-qualify but due to preexisting's my monthly could increase???

[@somchittsaphyakhajon]

😊

[@n.c.467]

Marvin is the Gold Standard in Medicare information and presentations. Thank you for all you do to untangle the Medicare maze for us! We Appreciate You, Marvin!!!!❤

[@MedicareSchool]

My pleasure, we are here to help and educate with Medicare. So glad that the information can be so helpful!

[@masterlee4370]

First video I watch like this one. I loved the real life demonstrations. All this time I was thinking "Set it and Forget it" but this video showed me something I would have never ever thought about. It's just one of every video I watch on this channel from start to finish. Simply Amazing! Great Job!

[@MedicareSchool]

We are pleased to hear that this video could be so educational and bring more insight! That is what we are here for. If you have any questions or need assistance don't hesitate to give us a call!

[@josephvantreeck2989]

Marvin, I watch your presentations, even if I think I already know the topic. Almost every time, you tell me something that I didn't know. Thanks for diving deep into this subject for us all.

[@MedicareSchool]

You are very welcome, that is what we are here for!

[@maggiemay97]

You and your videos have been a lifesaver for me! I saw one of your videos like this a month or so ago and requested a phone call from one of your agents as you suggest doing in the description under your video and I had a wonderful call with an agent who has gotten me into a plan G that is just about half the cost of the one I’m getting out of. My premium has been going up and up and up ridiculously over the last few years and I would be paying $323 in 2025 and I just could not accept that. You’re wonderful agent has gotten me into a plan G that is only costing half that much per month! That is a huge savings over the course of a year. Thank you so much!

[@Savannah-ed4rv]

That's wonderful! My mom had a similar experience but with another company and she was on the legacy plan C that was costing her about 320 a month including a dental plan. It was going up every year dramatically so she ended up with a plan N under $200 the first year. Now it's about $220 but she's 89 years old. She got the plan when she was 87! But not all Brokers will talk to somebody that age. I don't know about Marvin's company but I called several of them who wouldn't speak to me about her plans, and I know it was because of her age.

[@MedicareSchool]

Thank you so much for sharing your story! We're thrilled to hear that our videos and your consultation with our agent made such a positive impact on your Medicare journey. Saving half the cost on your Plan G premium is a significant win, and we're so happy you were able to make a change that works better for your needs and budget. 🎉 If you have any further questions or need assistance in the future, feel free to reach out at 800-864-8890. We're always here to help, and your kind words truly mean the world to us! 💙

[@owenhill-vf7ko]

The Advantage plans are a Scam !! I have personally seen so many seniors make this mistake its heartbreaking 😢

[@russpatterson1230]

This past August my wife and I both took advantage of Maryland's birthday rule to change from AARP/UHC Plans F, to CIGNA's Plan F, and saved about $180/month for both of us totally. We looked into changing to Plan G, but the additional savings amounted to about $10 per month after allowing for the difference in the yearly deductibles. It's worth $10/month to not have to deal with any bills at all.

[@mojo3262]

Because of the Maryland birthday rule, I was able to leave UHC supplemental N plan at $430/month and go with Humana N plan for $100.90/month. No medical underwriting, no denials to date. Thank you Maryland government for passing the law in 2023.

[@MedicareSchool]

That is absolutely fantastic to hear! Glad that you both took advantage of that period and saving money along the way!

[@rachelweinstein9008]

Your videos/ expertise are invaluable. Thank you!

[@gdb5843]

The reason I still keep the AARP/UHC supplemental plan is because it includes gym membership. My friend uses Lifetime, I use 24HR Fitness.

[@johnscott7195]

It's just so ridiculous that it's so complicated and twisted..people just need their medical needs covered without all this mumbo jumbo..its an embarrassment to America

[@timothykeith1367]

Most retirees need greater retirement savings so that this discussion would not matter so much as more could afford a high quality plan.

[@johnscott7195]

@@timothykeith1367 yeah well that's an ideal that cant always be met..we live in a very rich country..the peoples medical Bill's should be paid

[@cecilia3746]

They want us to accidently sign up with advantage which kicks you off of original MCR

[@janiceellery1653]

If you have preexisting conditions there's a good chance you won't meet underwriting standards for a new company. There's only four states that require supplemental plans to cover preexisting conditions if you sign up outside the initial enrollment period. So be very careful which supplemental policy you initially choose because you may not be able to switch later.

[@davidgreely5797]

Spot on

[@14aplaceinthewind]

This was the most comprehensive explanation I have seen! I have been researching and sharing videos since my medicare coverage began. I can't express how your impressive this was - it should be a standard for anyone coming to or on Medicare. I've studied and watched others, just Wow! I plan to contact your agency in the upcoming days and hope the knowledge/interaction is the same. Thank you and will share - the best.

[@MedicareSchool]

Glad it was helpful! If you ever have any questions for us don't hesitate to give us a call. You can reach us at 800-864-8890.

[@geh449]

I was unaware that I could change to a different Supplemental plan. Thank you for all you do!

[@MedicareSchool]

You're so welcome!

[@bigal8976]

Appreciate your explanations. Still very complex. I am 40% disabled service connected veteran. I live in 2 states, Colorado & WA & go between both homes. G seems best, but military covers my meds & I presently have community care, BUT only in Colorado. Turning 65 in a few days.

[@sturisa]

Excellent Marvin, have a meeting with Sherry Larson from your office next Monday 12/16 to discuss switching my medigap plan.

[@MedicareSchool]

We are looking forward to that!

[@boblongmore907]

I took OM with plan G. Already paid for itself because had hernia surgery. 240 deduct period. I can get care anywhere in the country when travelling.

[@rachelweinstein9008]

I wish this video was available before the end of this Medicare signup period. It’s so vital.

[@MedicareSchool]

Changing from one supplement to another supplement is not limited to the December 7th deadline. Those on supplements can reshop their plans anytime through the year. If you need any help you can give us a call at 800-864-8890.

[@sandan2358]

Excellent easy to understand presentation, thank you!

[@MedicareSchool]

Glad you enjoyed it! If you have any questions for our team don't hesitate to give us a call we're happy to help, 800-864-8890.

[@mahmoudshojai431]

Please do a video on the regular G and a high deductible G.

[@bobbigwood7823]

Great demonstration of the media gap ins. I have a question I've had F plan United Health are for 12 years I'm thinking about switching to G plan I will save $40 a month. I'm worrying about them cancelling my insurance if they want to just because I'm changinng from F to G does it give them the option? I know as long as I keep F they can''t I'm 77 yr old. Thanks Bob

[@MedicareSchool]

Your policy can never be canceled for any reason other than unpaid premiums. Your Plan F carrier wouldn’t even be aware that you’re applying elsewhere, as they do not share that information. Once you are approved for the Plan G, simply call your Plan F carrier to cancel just before your G plan starts. If you have any other questions or concerns, we’re here to help! Feel free to give us a call at 800-864-8890.

[@davidgreely5797]

Keep in mind that medigap plan premiums can increase every birthday. My wife is older then I and her Plan G premium is higher than mine with the same insurance company. Not a big deal but important for budget planning.

[@cindypatrick785]

Make sure you ask your carrier about a family discount available to a couple that are both w the same carrier. I switched over to my husband’s carrier and we qualified for 10% discount for each of us. 7:59

[@davidgreely5797]

@cindypatrick785 thank you Cindy! Our carrier used to bill us together each month with a discount but then separated us into two bills. I'll call to see if we are still getting the discount!

[@boblongmore907]

WELL. You can switch Insur carriers

[@cynthiatucker24]

Could you do a show about the Post Office Medicare requirement and supplemental plans?

[@empeamparo4501]

Please talk about Medicare under ‘’Senior Advantage Plan with a HMO big hospitals ( HMO senior Advantage Plan). I do not have perks.. I can not go outside Health providers that treats health issues using homeopathic cures.Thank you !

[@valvalentina9581]

You are brilliant, great explanation, would like to have an appointment with you. Thanks

[@MedicareSchool]

You can reach our office at 800-864-8890, to get an appointment scheduled.

[@waltgula3308]

Fabulous Summary!

[@MedicareSchool]

Glad it helped!

[@peterdunn920]

Hello Marvin, I have been on medicare plan F since 2013. I have been treated for 3 different types of cancers and was wondering if I could switch to plan G or should I just leave things as they are since I have not had to pay for most of my treatments. I have paid very little, thank God for medicare and medigap! Thank you for all your videos they have been very informative.

[@MedicareSchool]

Depending on what state you live in you likely wouldn't be able to make that change. As most of the time it requires medical underwriting. Given 3 different cancer treatments you wouldn't pass. Unless you live in a state that doesn't require underwriting.

[@owenhill-vf7ko]

Don't switch you have the best plan for paying for your medical needs!

[@jcc9925]

Quick question(s): I moved several months ago and am not sure of the process to change and worried it will mess up what I have now. - But I'm paying a fortune for Plan F for the past 10 years of coverage. - Do I have to go thru underwriting to go to a new insurance company Plan F? - Am I able to qualify to change companies because I moved? - It's my birthday month so maybe that will help me be able to change companies without any penalties or underwriting requirements? I'm paying $500/mo so I know I need to make changes, just super afraid to do anything. Also, last question- Is today (Jan 14, 2025) last day to pick medicare Plan for 2025? I'm sure I've got a lot of stuff confused and messed up here. I'll try and start plugging in numbers into your free comparison tool and hopefully get a good answer this week so I can sleep again :) thanks for your great videos!

[@MedicareSchool]

It depends on what state you moved to. Some states will allow you to change plans with no underwriting. Some states have birthday/anniversary rules that you can change. Here is a video about this birthday state. kzbin.info/www/bejne/b3XTdIl8es2rns0 Since you have a supplement plan you can change your plan anytime through the year. So if you change it next week or next month you will be fine. Give us a call we'd be happy to help! 800-864-8890

[@patthornton1212]

Thanks for the insights I keep learning to avoid pit falls

[@MedicareSchool]

Glad to help

[@steves3234]

Awesome video thank you!

[@MedicareSchool]

Happy to help!

[@WyomingGuy82201]

What are the questions asked when you apply to switch?

[@MedicareSchool]

We did a video about those questions, however these are just general questions keep in mind that they could possibly vary based on who you are applying with! kzbin.info/www/bejne/b4ammGBnmMeYeLs

[@jannibal9273]

If I understood you correctly in a couple of your prior episodes, Wisconsin has only one type of Medicare supplement plan that meets specific requirements. So how do I save money on a plan in Wisconsin? My premium has gone up from $2,088 in 2016 to about $3,400 in 2024 coverage into end of July 2025.

[@MedicareSchool]

You will want to met with someone on our team that can assist and review this with you 1-on-1. You can reach our office at 800-864-8890.

[@svetlanamelik-israyelyan8060]

Marvin I am elijible to have supplemental plan F, what will be my price for plan F for month or year. And sekond, do i need to bay supplemental plan D ? what will be cost ?

[@MedicareSchool]

You will want to set up an appointment to meet one on one with someone on our team. They will be able to lay out all your options with pricing as well and answer any concerns you have. Just give us a call at 800-864-8890.

[@ChrisSadowski-pp1np]

I wonder if Plan G will go to the wayside like J and F before it because they feel that people still don't have enough "skin" in the game.

[@Savannah-ed4rv]

I think that's a possibility, plus the price stability overall isn't as good as plan N, so when it's my time to choose I'll probably go with that.

[@ChrisSadowski-pp1np]

@Savannah-ed4rv I'm not of age yet for Medicare but my plan is to go with N or HDG.

[@JeanetteRondeau]

A lot of ss benefits are low income because the wages were so low . Everyone should get back pay not fair .

[@JeanetteRondeau]

Dr . Ozwants to make it all Medicare advantage cuz he invested in the program . He wants it to be mandatory …..it pays. him the most .

[@JeanetteRondeau]

Medicare is a ripoff we need something else it’s too expensive if you go into the hospital .

[@PY3000]

What about dental and vision plans? Do you stay on the current plan or need to change them too?

[@MedicareSchool]

It's always a good idea to review your plans to ensure you are in the best option. Those plans also have no deadline.

[@boblongmore907]

I have plan G. Changing insurance carriers to another G, requires medical underwriting, or no????

[@MedicareSchool]

That depends on what state you live in. If you need help you can reach our office at 800-864-8890, we'd be happy to answer any questions you have.

[@juliesteed5285]

If you want to change companies which would provide your plan F, I have found the new plan F company can require underwriting. Is this legal?

[@MedicareSchool]

That is legal if you live in a state that requires medical underwriting.

[@ginag6410]

When can you switch? Is it during a certain time or anytime while you are in a Supplemental plan?

[@MedicareSchool]

You can switch any time during the year

[@BrittMFH]

This was extremely helpful. Thank you..

[@MedicareSchool]

Glad it was helpful! If you have any other questions just give us a call at 800-864-8890.

[@brendar-b310]

Great video! I have one question: If I have CHAMPVA AND GET Medicare A&B Would I need a Medicare supplement?

[@MedicareSchool]

A supplement is likely not needed in this case, as ChampVA is already great coverage. Give us a call so we can asses all your options and you can decide what coverage you wish to have in place. You can reach us at 800-864-8890.

[@brendar-b310]

@ Thank you 😊

[@garrybeair5789]

if i switch from G to F plan would i be able to switch back to G in the future?

[@MedicareSchool]

Depending on what state you live it, it might require medical underwriting. But you can certainly still make changes as long as you are in good health.

[@evansdolyna7]

I needed this video before December 7, 2024. The October-December Medicare Deadline.

[@MedicareSchool]

You can switch supplemental plans all year round! The AEP is for Advantage and Drug plans only.

[@PY3000]

Is there a deadline to change like all the ads on TV, Dec 7th?

[@MedicareSchool]

No supplemental plans can be changed any time through the year.

[@twilde3754]

Interesting--I didn't know that about the IRMAA. Is there a "look-back" period for the high earner? What if an individual would be considered a high earner for only 3 years before they retire and apply for Medicare?

[@masspatriot5409]

I believe they look back at last 2 years earnings. If you actually retire you can apply for an exemption

[@MedicareSchool]

The look back period is always 2 years. So for 2025 they review 2023, 2026 they review 2024, 2027 they review 2025 etc. They will evaluate every year to see if anything has changed.

[@twilde3754]

@@MedicareSchool Thank you! I also read that there is a graduated rate increase, so those making $103K pay less than those making $200K, for example.

[@Turkey250]

I am 77 and Humana cance lled My insurance on November 30. I need help getting this straighten out ? I talked with Ken Tomlinson about my 2025 coverage .But I don't have insurance.

[@MedicareSchool]

Give us a call so we can review what was discussed and verify coverage for you.

[@deerhunter7482]

Human advantag quit paying the Dr’s and hospita is why they won’t take them .

[@susanstewart7663]

Please explain what to do if your on Medicare do to catastrophic event at 50 and now reaching 65 for supplement plan to add to medicare. Was not eligible for coverage before now do to income.

[@Savannah-ed4rv]

If you've been on Medicare due to disability, you get a second chance at age 65 to get a Medigap plan without underwriting. I'm in that situation and I will turn 65 next year so a month or two before that I'm going to make my decision and make it effective the first of 2026. I'm on Medicare Advantage right now and it will be effective until a year from january.

[@MedicareSchool]

Once you turn 65, they are essentially giving you a clean slate. So you can now add on a supplement plan as if you are just starting Medicare for the first time. So you will not have to go through underwriting. Here is a video we have about this you should watch! kzbin.info/www/bejne/noXad2mDep6im68 . If you have any questions or need assistance just give us a call at 800-864-8890.

[@franniegary2927]

How do Advantage plans get funded? Does Medicare pay them?

[@MedicareSchool]

They are primarily funded by CMS

[@rachelweinstein9008]

I just tried to switch my supp plan this time around. It’s wonderful but costing $ 300/mo. It’s an F plan. I had to go thru underwriting. We were going thru my list of meds and when I got to my med Plavix the computer kicked me out and I couldn’t switch. I was planning to get a g plan or maybe an N. Do I have any options in the future? Will all companies reject me? Thank you?

[@MedicareSchool]

You can still make changes to supplements at this time those plans can be changed year round.

[@cathywestholt5324]

I am 70. With these insurance costs, I'm never going to be able to retire. I work for one of the nation's top hospitals in a clerical role. The affordability of our insurance plan and the many included services are wonderful! I don't know how I could afford all these premiums or advantage plan copays on retirement. I guess I will work until I fall over dead.

[@MedicareSchool]

We know that this can be a hard choice. If you need help reviewing plan we are more than happy to help. You can reach our office at 800-864-8890 for 1-on-1 help!

[@musicg1696]

Wow, why is our health stuff so difficult and expensive. We need universal healthcare!

[@daizymathai3745]

How do we know the stability in our area?

[@MedicareSchool]

We would be happy to discuss and review those plan available to you. We can discuss the stability in each carrier available! You can reach us at 800-864-8890.

[@daizymathai3745]

Is there a penalty for not enrolling in a supplemental plan because was enrolled in part C for years after getting part B?

[@MedicareSchool]

No penalty, but you would likely have to go through underwriting depending on where you live.

[@ginag6410]

What types of plans for Supplemental does Wisconsin have? I heard they don’t have G plans. Do they have N plans? Or what?

[@ChrisSadowski-pp1np]

I live in Wisconsin myself. We basically have a base plan and we can add riders to them to make them equivalent to the national plans. Our G equivalent would be the base plan plus four riders, the N would be the base plan plus three riders and we have our HDG equivalent.

[@nanner3200]

@@ChrisSadowski-pp1np What about price? How does WI fit into the wide range of other states? (asking as both my husband and I are starting Medicare spring of next year. Will be making an appt with Medicare school soon) Thanks! (also any clue why we're "weird"? As far as Medicare that is...... :D )

[@ChrisSadowski-pp1np]

@nanner3200 I think Medicare nerds said that Wisconsin's G. Equivalent was about 160 a month versus the N equivalent of being $130 a month. My recommendation is to stay away from G because it's not a good value. By the time you turn 85, that premium only about $500 a month. Do the N or HDG equivalent. High utilizers of healthcare flock to Plan G and N is still a comprehensive plan (excess charges are practically non-existent and copays are not an issue unless you go to the doctor more than twice a month). HDG is also really good because you get all the benefits of original Medicare like no annual plan changes, no networks, no pre-approvals, coverage that travels with you and 100 versus 20 days compared to an advantage plan of skilled nursing care. Plus HDGs rate will always be reasonable and even with the limits going up every year, it will still be better than the average Advantage plan.

[@ChrisSadowski-pp1np]

@@nanner3200 according to Medicare Nerds Wisconsin's G equivalent cost $160 per month and N equivalent is $130 per month. My recommendation is to choose N or HDG. Plan G will cost you about $500 a month by the time you're 85.

[@ChrisSadowski-pp1np]

@@nanner3200 being weird means we are one of three states that customize our medigap plans. Feel lucky your not living in Minnesota because that is the second most expensive state for supplements behind New York.

[@ncovenant2]

Is this limited to the December 7th timeline to change policies?

[@MedicareSchool]

No supplement plans can be changed any time through the year. Not limited to the December 7th deadline.

[@georgeguel6882]

my wife was placed on Medicare after she had a stroke at the age of 37. the B date on her Medicare card is 1998. She is enrolled in both A & B. she will be 64 in may 2025. can she still enroll in a medi-gap plan when she turns 64 1/2? All of the videos I have seen you can only enroll +/- 6 months of your B Date. since she was placed on medicare in 1998 can she enroll in a F Plan? would like to know our options. Thank you and I do enjoy watching your videos, lots of good information.

[@MedicareSchool]

That is correct, she can apply that early. It can be set to start the month she turns 65. If you have any other questions just give us a call we would be delighted to help! You can reach us at 800-864-8890.

[@tonym6920]

Of course you must go through underwriting first which can be a stumbling block.

[@briangoodman8470]

My wife works for a community school She will turn 65 in December 2026 The district is offering a early retirement plan Once she turns 65 they are offering to pay for 5 years her supplement We live in the state of Iowa The district told us she will be eligible for the plan F Great news for us but what are your thoughts on this Thank you love watching your videos

[@MedicareSchool]

Plan F is a great option, just keep in mind that it can et costly just like reviewed in this video. We'd be happy to help and compare your options just give us a call at 800-864-8890.

[@jonboz7585]

I started with a UHC Advantage plan in Dec, 2011, then switched to a UHC Supplement Plan G in 2024. Is it possible to switch to a Plan F Supplement? Can this be done at any time, or must it be during the Oct-Dec period? Thanks!

[@MedicareSchool]

You can do that at any time through the year, not limited to the annual enrollment period. If you need any assistance we are pleased to help. Give us a call at 800-864-8890.

[@AndyB718]

Insurance Companies want to make money,why would anyone want them choosing for them ? It's like Geico saying using our shop..The interest with that is the cheap cost to them. I chose G for peace if mind.

[@terrihartbarger]

Why would anyone want an advantage plan🤦‍♀️

[@ribluesy]

It's a lot cheaper unfront, lots of people can't afford it.

[@boblongmore907]

Yeah, If your not sick​@@ribluesy

[@dantewhiterose1958]

Being that I live in Connecticut , with open enrollment all year and no underwriting, can switch from N to G if I had to, correct?

[@MedicareSchool]

Yes you can!

[@rickblakeley4189]

So anytime after the 6 months if you want to switch medigap plans you will need to go through underwriting even if same plan different company. Is this correct?

[@MedicareSchool]

That is correct

[@joshuatree2537]

⁠​⁠​⁠​⁠@@MedicareSchoolIt is not correct for New York State residents. You may switch companies in NY without underwriting. Of course this is why New Yorkers pay Supplement Premiums far above the national average.

[@wingandhog]

Kind of late since enrollment ended 12/7

[@Nancy-qw6ok]

Gap plan can be changed any time..not restricted like advantage plan.

[@wingandhog]

@@Nancy-qw6ok ... Didnt realize that. Thank you

[@deerhunter7482]

Not if you’re a first time 65 years old within 6 months

[@cynthiadubbert5317]

How often can you switch your plans? Can you go back to a prior plan if you've switched in the past?

[@MedicareSchool]

You will have to still go through medical underwriting to go back to that previous plan. Of course this depends on where you live and of underwriting is required.

[@TomokoAbe_]

That free comparison and enrollment tool is SUPER AWESOME! At least I know for my location I am already at the lowest cost Plan G (I've been to the hospital almost every 2 weeks this year because I am a cancer patient). So I also know Plan G is the best for me due to frequent hospitalizations. My hospital bill last year was close to a million dollars, and I was clinically dead twice (my heart completely stopped and resuscitated twice). I'm doing a lot better now. It is probable to say Plan G is better for frequent hospitalizations than Plan N.

[@MedicareSchool]

Pleased to hear that it was a great help.

[@maryspry4623]

I went to your compare site, it did not list Cigna as a option for me. But I went to their website and with my zip it showed plan available?

[@heynow4286]

That's because his company doesn't offer Cigna. Use the official Medicare gov website to see all plans and premiums for you zip code.

[@MedicareSchool]

Some of the carriers are still being uploaded onto our site, we do offer Cigna we are working on getting everything uploaded with appropriate information!