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/?

[@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!!!!❤

[@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!

[@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!

[@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! 💙

[@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.

[@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

[@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.

[@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!

[@TM-yn4iu]

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.

[@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.

[@BrittMFH]

This was extremely helpful. Thank you..

[@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

[@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 !

[@steves3234]

Awesome video thank you!

[@cynthiatucker24]

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

[@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.

[@patthornton1212]

Thanks for the insights I keep learning to avoid pit falls

[@MedicareSchool]

Glad 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

[@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.

[@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?

[@PY3000]

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

[@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.

[@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

[@tonym6920]

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

[@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.

[@Kasey2498]

Medicare Advantage perk = gym membership, disadvantage = health care claims denied

[@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.

[@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.

[@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

[@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.

[@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.

[@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.

[@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

[@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.

[@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.

[@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.

[@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!

[@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!