3 Steps Everyone Should Take Before The Medicare Annual Enrollment Period

[@MedicareSchool]

✅ 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/?

[@8aNda1d]

Spoke with Andrew Forrester today. VERY thorough. Explained EVERYTHING. Supper nice. Thank you

[@davidfolts5893]

KZbin Headline: "Marvelous Marvin Makes Medicare Magnificently Manageable."

[@MedicareSchool]

Thank you, it's our pleasure!

[@PrepperRapperFairy]

So true. He knows his stuff !

[@susanpeterson7570]

Quite the alliteration!

[@davidfolts5893]

@@susanpeterson7570 Thanks!😀

[@PrepperRapperFairy]

I have yet to find anyone who is as supremely knowledgeable as Marvin is … he definitely knows his stuff and I definitely will be calling his broker company when i am ready to get this process going

[@MedicareSchool]

We are looking forward to working with you!

[@FR-tb7xh]

Great video! You’ve been my go-to on this subject for a while. How on earth very elderly or health-compromised folks ever understand it is asking the impossible.

[@MedicareSchool]

Glad it was helpful!

[@kennethreynolds8]

I'm always glad I catch your vids, I always learn something and it helps me feel like I'm on a cruse ship in the ocean of Medicare and not a dingy.

[@MedicareSchool]

We're glad that we can be so helpful that is what we are here for!

[@hkvoyage2748]

I turned 65 years old two weeks ago. Your videos helped me to navigate through the Medicare enrollment process. This video was super helpful for me to review the Plan D update. Thank you, Marvin. ❤

[@MedicareSchool]

Thank you!

[@HomeOrchard]

Doesn’t CMS apply a $15/month subsidy to every Part D plan for 2025? Some of my free generic meds this year go up several tiers in 2025 and require a significant copay!

[@KareeCurtis]

This company is the best!

[@MedicareSchool]

Thank you, we're glad that we can be a great help!

[@user-TM59]

Thank you Marvin

[@MedicareSchool]

Happy to help!

[@Keith80027]

Thanks for making this video. This is the second year I have been on Medicare and I find your explanations are great for me to understand what is changing this year and how it will effect me. Your company was very helpful this year in getting eye care straighten out.

[@MedicareSchool]

Glad it was helpful!

[@MarkM58]

I don't know about other states, but Maryland has the "Birthday Rule" which says that from your birthday and for 31 days, you can switch from one supplement to another with no underwriting as long as benefits are equal to or less than your current plan.

[@BrittMFH]

Lucky you to live in a "birthday" state!

[@MarkM58]

@@BrittMFH It’s one of the few pluses to living here.

[@deborahanderson5508]

Its no wonder the majority of seniors dont understand medicare. Unbelievable.

[@carl9729]

ANOC is the reason smart individuals should stay on original Medicare. Remember there is no such thing as trusted advisor, do your homework and not rely on someone else. Lazy people will be taken advantage of

[@dcl8175]

But have to take a Part D plan, unless you can get medications via another route. And the fine that is lifetime if you don’t get a plan D.

[@UncleDavesKitchen]

what about medications not covered by the plan/formulary (Restasis eye drops) which are very expensive. Will that go on my $2K out of pocket or not used at all? Thanks

[@maggiedurham447]

I believe there is a generic of Restasis. I hope that helps.

[@UncleDavesKitchen]

@@maggiedurham447 there is but it's not covered either and still $500 a month.

[@thedude2601]

@@maggiedurham447 yup, Cyclosporine.

[@MedicareSchool]

If it is not covered by your plan/formulary it does not go toward that $2000 cap. You can ask your provider to write a formulary exception to the carrier to then have it added in, if they accept it can then go toward that amount.

[@UncleDavesKitchen]

@@MedicareSchool thank you

[@arthurshingler2025]

Excellent!

[@MedicareSchool]

Glad it was helpful!

[@sharonwilliams6787]

What about switching supplemental plans example high deductible f to g?

[@MedicareSchool]

You can make changes to a supplement plan any time through the year not subject to the enrollment period. It will likely require you to go through underwriting to make that change depending on where you live. If you have any questions you can call our office at 1-800-864-8890.

[@angel2k3t]

I've heard conflicting information about the monthly plan D premium. If I'm paying $94 per month for the premium, and say I get to the max $2000 in the first 3 months of the year, do I still pay the premium? Or does that drop off after I get to the max?

[@MedicareSchool]

You would still have to pay the premium for that plan after reaching your max $2000.

[@yacaattwood2421]

How do you find out about which SPECIALTY pharmacies are available? Many cancer drugs are only available through speciality pharmacies?

[@MedicareSchool]

You can contact the carrier you have and they can inform you of specialty pharmacies.

[@deborahayala6596]

Are you an attorney for disability cases or for Social Security cases?

[@MedicareSchool]

We are not

[@gracechen8278]

Any restrictions to switch from Sup Plan G to N or the other way around? What're the differences btw Plan G and F, apart from age limits?

[@MedicareSchool]

You will more than likely have to medically qualify to go from one plan to another. The only only difference between F and G is that Plan F covers all gaps including the Part B deductible and Plan G only covers 5 of the 6 gaps leaving you responsible for the deductible. We would be happy to review plans with you and see if you qualify for changes. You can call our office at 1-800-864-8890.

[@peggydejesusqq4595]

What happens if the insurance carrier is not going to be on the list in the health network? I am paying Humana for my supplemental Medicare Plan F. You have said that this is the best plan. Can I switch carriers and keep my Plan F?

[@MedicareSchool]

Since you have a Supplement plan with Humana providers and hospitals legally have to accept that plan no matter what. That is a law that all supplements must be accepted regardless of what carrier it is with. To avoid any billing hiccups you will want to just provide them with your Medicare card when you are being seen. Medicare themselves will send the bill over to Humana to make the remaining payments after they have done so.

[@vmccall399]

I'm looking to switch companies for my part-c. c-SNP. However, the new company can't or won't tell me who their preferred providers are for part B insulin pump supplies. Is this normal?

[@MedicareSchool]

I would ask to speak with someone else. It may be that the person you spoke with was unaware of how to help.

[@enamoradoyessenia]

Marvin, is there a reason why someone will switch from an adv plan to a supp plan?

[@MedicareSchool]

It could be due to cost, flexibility of networks, more comprehensive coverage, or that they want to get onto a supplement before their health changes and they no longer qualify. It varies person to person and what they desire to have within their coverage.

[@enamoradoyessenia]

@@MedicareSchool makes sense. Thank you so much for all your knowledge

[@marknelson2037]

Can I use different Pharmacies for different drugs under the same prescription plan?

[@MedicareSchool]

You can while some might be preferred and other a standard pharmacy. If it is preferred your cost would be lower at pick vs using a standard pharmacy you may pay a little more out of pocket at pick up. You can verify with your carrier what your preferred and standard pharmacies are!

[@marknelson2037]

​@@MedicareSchool The prices listed on my research at medicare.gov are not at all in line with a "preferred vs standard." In short, can I pick and choose different pharmacies for different medications without penalty? The annual difference is quite substantial. If you'd like to investigate further, I can get the data to you. This seems like a huge topic to me.

[@mauriceharp1454]

Where can I find info on the Medicare Co-pay plan for MA accounts? You mentioned it in your most recent "shorts" video that it costs $30 per month.

[@MedicareSchool]

You can contact carriers directly to see if they offer them where you live, or you can always call us directly and we can review what is available in your area. You can reach us at 1-800-864-8890.

[@lindad6223]

better to fall while going up stairs than down...

[@royhughes2854]

Hey Marvin, My Part D insurer, Mutual of Omaha, just sent me a letter saying that they will not offer a PART D PLAN to me in 2025 and that I need to go find another insurer. WHAT THE HECK! Will I now be sent to Underwriting with another carrier or am I guaranteed coverage with any other insurer who is writing a plan in my County here in New Jersey that I may chose? And since my insulin is gonna make me reach the $2,000 max out of pocket in the first QTR of 2005, then I can simply disregard whatever the premium is from any other insurer because I am capped at $2,000. Is that correct? Oh, and is the Premium part of that $2,000 or not? I am confused.

[@MedicareSchool]

Part D plans do not require underwriting, that is only supplement plans that require that. The $2000 max cap does not include your monthly premium, so even after you reach that $2000 for your prescriptions you will still have to pay for the monthly premium on the plan.

[@williamlloyd854]

Have received my drug ANOC That has increased 35.00 as monthly premium. Deductible went up 310.00. Tier 1 drugs went from 0 copay to 5 copay. I only have 2 scripts that in 2024 cost me 14.90 total. Can I do better?

[@MedicareSchool]

It's always good to shop around during the annual enrollment period. There are so many plans out there that could offer much more.

[@larryboyce]

In the Part D explanation you stated that the OOP cap this year was $3350, but mine was $8000 with my UHC Advantage plan. Can you explain the difference?

[@JulieBeckman-g1c]

Your videos are really good, but is it possible for you to slow down your speech a bit? Sometimes it seems like a racing tempo. Thanks.

[@BrendaCampbellThe-Lupus-Effect]

Have you tried to reduce the speed of your video? Play it at 75% instead of 100% and give it a try. Go to,the gear icon in top right of video. Select playback speed. Click to go slower at 75% and save it.

[@JulieBeckman-g1c]

Thanks, I’ll try that.​@@BrendaCampbellThe-Lupus-Effect

[@Franciso-so1bg]

@@JulieBeckman-g1c I do the same thing with certain videos. I will also turn on captions to help me understand.

[@JulieBeckman-g1c]

Thanks for the help ( :

[@BobbyCole-nu7tq]

They can't change ANYTHING they want to .

[@lawordersvufan8050]

What is the phone number to an independent broker for Brooklyn NY? 😊

[@MedicareSchool]

All of our agents are located in Kansas City (given a few out of state). We can still provide assistance in all states. You can call our office at 1-800-864-8890.

[@garyoa1]

Or just move to Canada. The only thing you pay for doctor and hospital visits is for parking. And a small pharmacy fee for prescriptions. But there's no corruption here, right?

[@liap1293]

A Canadian friend has been on a 2 year waiting list for knee surgery. This is very common in Canada.

[@garyoa1]

​@@liap1293 Lived in Canada for 10 years and never heard of such a ting unless... it's propaganda from big pharma here. Maybe longer if it's elective, but generally speaking, there's no difference. In fact it may be faster in some cases. Been there, done that.

[@larryboyce]

What is the typical income tax rate for Canadians?