MY LAST 24,183 CLIENTS - Which Plan Was Most Popular In 2024

[@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/?

[@juliherron8991]

Thank you. Too much information, to quickly spoken for me. I know that national heath programs are not easy either. God help us all.

[@Souljourner7]

@@MedicareSchool I think after researching, F is a keeper for me.

[@lindahidalgo1804]

I'Ve changed my mind about this guy,He's legit and very honest.Excellent presentations for Medicare info.

[@MedicareSchool]

Glad it was helpful!

[@RG-hf4et]

@@lindahidalgo1804 He is wonderful!

[@longterm11581]

Agreed. The comparison starting at about 15 minutes between supplemental and advantage is extremely helpful and is a must see for confused people.

[@linharr2019]

I am in California. I am learning all this and searching for a plan as I just got my Medicare number through being approved SSDI. I have an appt today to discuss all this and enroll into something?! I may cancel my phone appt to rewatch tgis and take notes and be better at a decision for my needs?!

[@traderjames333]

This is pure gold. These people are the best. I went with G this year, with this team, and plan to stick with it.

[@MedicareSchool]

Glad that we could help, if you have any questions you can always give us a call!

[@TrulyJefferson]

I'm one of those 17,163 Plan G plan new clients. Thank you, Medicare School!

[@MedicareSchool]

Happy we can help!

[@boblongmore907]

Me too!

[@vallang4832]

I am also one of those 17,163. Thank goodness we are able to afford it.

[@Allenballen88]

Wow...this was an incredible video. You brought down everything in a very easy to understand way and I'm very appreciative of this video. Thank you

[@MedicareSchool]

It's our pleasure!

[@stevewheeler8434]

You missed the most important reason for me to have a MA plan. I am extremely healthy and almost 70 years old. I ate real, Whole Foods, grass, fed meats, pastured eggs, and get plenty of exercise in my diet. Also, I go to a naturopathic doctor Who is not part of our health insurance system. So, I feel like I’m throwing away $174.80 each month on my part B Medicare, but I have no choice but to pay it.

[@colleenconger5265]

Yes, we do what we can to stay home all day and my mother was on one medication at 85 years old but then she had a stroke and heart disease is the number one killer of all cancers combined for woman(/ very few people know this) and of course it’s high in men but somethings gonna get us and I am 64 years old. I think I will go with N. Insurance people are pushing advantage I think advantage is actually more like 60% of the population are taking it because it’s pushed to extreme plus it has all the bells and whistles, peoples heartstrings and low cost but they will not be able to ever go over to Medicare if they ever want to and their plan changes every single year who wants to keep on top of that?

[@helenthuyhapham2383]

I’m in the same situation as u, in CA I’m on Brand New Day n never had to use their services since the pandemic, my plan is HMO not good but since I don’t use the services anyway, it’s ok for now

[@sherrymeadows8758]

@@stevehamilton9486surely seems that way.

[@kevinbradshaw9209]

Insurance as a pool of funds that someone will be using. Just like car insurance. I didn’t get in an accident but if I do need to be protected. Just like you still have a stroke or need a knee replacement. You’re covered

[@pjc7351]

I agree. We have to do what is best for the condition of our health. We also have to think ahead about a possible diagnosis of cancer/disease that will eventually take our life and think on how to treat it. One option is to allow it to run its course with minimal pain assistance OR spend every last dime for treatment to live only a few months more. This world is not our home so we need to look at our relationship with Jesus and where we will spend our eternal life.

[@samuelcabrera5758]

Thank You Marvin for the outstanding information concerning The Medicare plans ..., I just turn 60 years old !!! I'm going to collect my Social Security at 62 ..., and I need all the advice to choose the right plan for me ..., I'm preparing now and getting schooled by YOU and your excellent team !!!! YOU are a blessing for the millions of seniors in America ..., May the Lord God bless You and your KZbin Channel 🙏

[@MedicareSchool]

It is our pleasure, thank you so much we greatly appreciate you!

[@samuelcabrera5758]

@MedicareSchool You are greatly welcome 🙏 Mr. Musick

[@mmane257]

you make it much easier to understand what’s going on with this insurance stuff.i have an appointment with one of your guys in october.turning 65 on election day.thanks marvin.

[@MedicareSchool]

Looking forward to meeting with you! We're happy that we can be of some help!

[@jeanschuler3553]

Sign up Three months before turning 65

[@jenniferbrimhall-crane]

Excellent job describing difficult decisions for seniors. I just switched back to Medicare G, had to go through underwriting but still met that bar at 73, yeah!

[@MedicareSchool]

Thanks for sharing! That is wonderful!

[@sandragrissom1821]

The premium for my Plan F increases every year and is currently almost $400.00/month. I rarely have additional out-of-pocket costs at any doctor’s office. Unfortunately, not eligible for any other plan due to underwriting. Just thankful I have good coverage.

[@bbmorshead9552]

I stopped Plan F last year.Due to It being closed to new people price skyrocketed. Plan G is the new plan F . G Covers ALL !! just like F. Check your area or call Advisor 😊

[@sandragrissom1821]

@ I can’t move to Plan G because I had a heart attack and have Chronic kidney Disease. I did check but no plan wants a new member with serious, chronic issues. I’m about to be 79 and thankfully can pay for Plan F. I have all the best providers and every day I’m thankful that I am not in an Advantage Plan. Thanks for your reply.

[@janiceduke1205]

On Long Island, N.Y.: Supplemental "G" Plan: $326 monthly. Part B: $185 monthly, Part D: $113.70 increased $35 a month & I am on NO medications at all, Delta Dental: $72.10 monthly. Total monthly medical cost as of 1/1/2025: $696.80. 😠

[@UncleDavesKitchen]

Wow. I'm in Phoenix my N plan is $103, D is $73 and I am on medications. I also have Delta Dental with the vision insurance for $70.12

[@unclefester6501]

I think NY allows changing plans without medical qualification, so everybody has to pay to support that.

[@440tomcat]

@@UncleDavesKitchen I'm on an N plan, depends on the State you're living for cost and with no issues. For me $195 Plan N, $6.00 Tier 1 drugs, And last Hearing, dental, eyes, be careful with this one. $$$$ vary with time enrolled $29.00 this is all per month.

[@janiceduke1205]

@@UncleDavesKitchen Topping off the list of highest-priced Medicare Supplement plans is New York. The average Medicare Supplement premium in the Empire State is more than $300 a month.

[@UncleDavesKitchen]

@@440tomcat I continued Delta Dental from my job I retired from. They've been a good investment for me.

[@aprileliana]

Thank you so very much for this very clear explanation. That’s exactly what is so needed.❤️

[@MedicareSchool]

We are always happy to help!

[@mymys1992]

The explanations are clear and straightforward

[@MedicareSchool]

Thank you!

[@NoMoreTears64]

I just signed up for Plan N. This year it will be 82.00 a month for me x 12 months. = 984.00 in premiums. IF I went to a doctor twice a month @20.00 for the year, it would be another 480.00 that year. So that would be 1474.00. That is STILL less than what you are showing for Part C (pay as you go). Medicare Advantage is fine as long as you dont get sick and dont use it, which is MY preferred way of dealing with the medical system. HOWEVER, just ONE bad illness, fall, car accident, etc and Part C would totally bankrupt me. Seems like a no brainer for me.

[@UncleDavesKitchen]

I went with N also. I see 3 physicians through out the year. Only one charges a copay, the others don't and the copay is only $9. per visit so that's $18 annually. My N is $103 a month.

[@unclefester6501]

No, they all have max out of pocket, $3000-$10000 +/-. You might be ahead on C. But it will vary and is bad if you are going to the doctor a lot. Supplement is generally better.

[@myvenusheeler]

After being on Plan G for seven years and dealing with the high yearly increases, I went through underwriting and am now on Plan N. The G plan was about to go up $211 a month but my new N plan is $113. I want no part of Medicare Advantage so I am now very happy with my Plan N pricing.

[@UncleDavesKitchen]

Historically Medicare has closed only plans without copays. The last was Plan F which now has a much smaller surviving group as no new healthier 'younger' enrollees can join so the premiums are up to the $400s a. month. I suspect Medicare is closing no copay plans as patients might over visit physicians for no out of pocket costs to them. Even the little possible copay with Plan N might deter over use of doctor visits. Let's see if they close Plan G in the future.

[@myvenusheeler]

@@UncleDavesKitchen Congress wanted people to have skin in the game (money) so F with its zero out of pocket wan done in.

[@ameliayongkoon5886]

Thank you Sir very much I learned many things about my advantage plan👍 God Bless

[@MedicareSchool]

It good to know we could help! If you every have any questions feel free to call in!

[@rubygreta1]

G High Deductible in NY. Premium increased from $70 to $71. G is over $300. Everyone should have the GHD.

[@boblongmore907]

DO YOU KNOW WHAT A advantage plan deductible is??????

[@carolynstine3465]

Yes, many people can’t afford anything other than an Advantage plan. It is so unfair that Congress has set it up that way!! People with higher incomes can afford supplemental

[@really2345]

You may think you save with an advantage plan, but as you age medical necessities may drive up the costs of care or even limit the care you receive with an advantage plan. With your right to traditional Medicare plus a supplement and part d you may actually save during your last years if you have a serious illness such as cancer, a stroke, or heart attack. Face it now: those are the three causes of death for seniors. Do you want a private insurance carrier dictating, delaying, or denying necessary care? In the end, you will probably pay the same whether an advantage plan or traditional Medicare with a supplement. Traditional Medicare with a supplement will relieve you of the stress an advantage plan will inevitably bring.

[@llee8325]

Retirement advisors have been telling us FOR YEARS (30 that I can remember) to have at least $50,000 set aside to meet Medicare co-pays, co-insurance, premiums, drugs, etc. I worked an extra couple of years to save that money. It was NEVER "free".

[@mmabagain]

@@llee8325 It was NEVER "free". Unless you are in congress.

[@archiee.3061]

How I wish a knew this information for my parents. My dad’s dialysis seems to cover only 80% by Medicare. Thank you for very informative video.

[@MedicareSchool]

It's never too late to see if there are plans that could help with costs. If you would like some help along the way you can give us a call at 1-800-864-8890.

[@lindawessel1414]

The best decision I made was calling Medicare School.

[@MedicareSchool]

So glad that we cab help!

[@davidfolts5893]

Marvelous Marvin Medicare Maven.

[@MedicareSchool]

Thank you!

[@wwz1011]

I am very happy with my supplemental plan G. My carrier is "Old Surety". The nice thing about Old Surety is their rates are based on your "issue age". Sign up at age 65, and you continue to get a rate based on being age 65. So the rates don't go up as you get older. All the other gap plans I looked at were based on "accrued age". Every year you accrue one more year of age. Congratulations, your rates go up, not just based on inflation but based on your new age. The problem with Old Surety is they are only offering insurance in a handful of states.

[@markepp6480]

Thanks for your honest

[@MedicareSchool]

My pleasure

[@jeffparker3334]

My wife has an Advantage Plan right now. She’s reasonably pleased with it. If she decided to switch to what I have, A&B, AARP/UHC and Aetna Rx plan, she would have to go through underwriting even during the open enrollment period? We’re in Florida.

[@MedicareSchool]

Yes she would have to go through medical underwriting to qualify.

[@jeffparker3334]

@@MedicareSchool So essentially Advantage plans are forever if you have any medical issues. She has Lupus. Wish that had been explained to us when we signed up for it.

[@ritapearl-im3wv]

​@@jeffparker3334YES. Advantage plans are a misnomer. This becomes evident when/if a person actually requires medical intervention like surgery or hospital stay. 😢

[@jeffparker3334]

@@ritapearl-im3wv Live and learn. She would never get through underwriting. Thankfully there’s a max out of pocket we can afford.

[@janetbetts5159]

@@ritapearl-im3wvI find all the comments concerning Medicare Advantage Plans puzzling….I have had a MA PPO plan for the last 9 years. I have had 3 surgeries…a total knee replacement, breast cancer lumpectomy and rotator cuff surgery with NO issues getting the surgeries needed with no prior approval required. I also chose which doctors I went to. I paid very little out of pocket and my monthly premium is $77. So all the negativity surrounding Advantage Plans makes NO sense.

[@Medmann48]

I live in Ohio & our state does not allow excess charges & I only go the doctor once or twice a year so it's going to be Plan N for me.

[@Shadowfaax]

Fantastic summary of the many facets of Medicare. I’ve shared your content with friends and family and will be sharing this one with them too. Thanks for the succinct and informative content 😊

[@UncleDavesKitchen]

No one teaches this better than Melvin.

[@MedicareSchool]

We greatly appreciate you sharing! If you have any questions you can always give us a call!

[@maryalicecoleman4661]

I’ve had Med advantage for four years. I had an agent telling me it was the best one. Now I’m not sure. I may have to call and see what my options are. I don’t remember hearing about some of these options.

[@MedicareSchool]

We'd be happy to review all plans with you you can reach us at 1-800-864-8890.

[@gwenmonaco7627]

My husband is on a Cigna Advantage plan and they have been wonderful for him. He only pay $5.00 to see a Specialist and 0 for his PCP. Not sure where all these other fees are coming from. I guess it's the plan you choose. We don't have all those additional fees on his plan and he's been very happy with the Advantage plan. His broker and my husband found that plan to be the best for him. I am trying to learn all I can for myself going on Medicare now. You have to do whats best for you.

[@Ackerly00]

Your presentation was clear and easy to follow. Thank you! I was on plan N until about a year ago, cancelled it after rate increases, was toying with getting on Medicare Advantage, then went with plan G medigap after 2 hours on phone with two different agents. N would still meet my needs just fine; G is $24 per month more. I am healthy, 68, no scripts, and rarely go to Dr. Still, for $288 annually more I can have $0 copay on Dr visits and ER visits. Since excess Dr charges are rare, and after learning (post gap selection!) that prescription coverage for me is going up 500% in 2025, I think I’m going to call agent and switch back to N.

[@MedicareSchool]

We're glad that we could help!

[@Mark-hb5zf]

The G vs. N percent numbers surprised me. I was guessing it was the other way around.

[@robertbelar5341]

I will keep my Tricare.

[@nyouguysdoagreatjob7179]

Thank you for teaching me how to change of speed. You are doing a wonderful job

[@MedicareSchool]

Glad it was helpful!

[@bonitahubble6120]

That "hearing aid" perk ended up costing me $5,000. The "perk" that is offered is of course the lowest rated (soon to be outdated) hearing aids. The base hearing aid was not acceptable so I went up to a better model, which is what they are hoping that you will do. I rarely wear the aids, but I have them if I should need them. In retrospect I think I could have done better by researching the market on my own. Great information! Thank you!

[@Stretchyourhorse]

Excellent presentation. Very clear explanations! Tysm!

[@MedicareSchool]

So glad that we could help, if you have any questions feel free to give us a call 1-800-864-8890.

[@LeannaWooten]

Great communication!

[@MedicareSchool]

We're glad that we can help!

[@joycesewald1788]

Great and informative video 😊

[@MedicareSchool]

Thank you! If you have any questions you can call our office at 1-800-864-8890.

[@myvenusheeler]

This was a good video and one I will save for those people who come to me as they are getting ready to retire and ask what they should do.

[@MedicareSchool]

Thank you for sharing!

[@katherinebruno616]

I live in RI..I have a Medicare Advantgage Plan with Bluecross/Bluechip..I now have Cancer and need a better plan for my co-pays mostly…I don’t know which plan to get

[@MedicareSchool]

Give us a call our team would be happy to review plans with you, you can reach us at 800-864=8890. We hope to hear from you!

[@doubleg1239]

Very good information,

[@MedicareSchool]

Thank you, if you have any questions you can give us a call at 800-864-8890.

[@DiChitty]

I just looked at the Medigap for my state, there is only 4. What I'm seeing is "Premiums are low for younger buyers, but go up as you get older and can eventually become the most expensive." My question is does the premiums increase each year for these plans???

[@MedicareSchool]

Typically, yes they increase each year.

[@sophieonthemtn1239]

My Plan G has increased yearly by a few dollars, but it's still less than $160/year. I'm 71. I live in Montana, and my supplement is through Mountain Health Cooperative. You can get a policy through AARP/United Health Care that is regionally based, not age-based. But I had problems with UHC that I've never had with our co-op.

[@masterlee4370]

Another video that I would get an "A" on If there was a test. I feel like we spend our whole working lives on an Advantage Plan. So after watching all these videos which never get old by the way I totally agree 100% the Medigap Plans are the way to go if a person can afford it. Every time I watch a video and it ends I tell myself "G" stands for Great. The only thing I would add about the Medigap "G" Plan is Peace of Mind. Awesome Video!

[@MedicareSchool]

We are happy that our videos have been of great help, if you ever have an questions just let us know! You can call our office at 1-800-864-8890. Thank you so much!

[@charlessommers7218]

Thanks

[@MedicareSchool]

Happy to help!

[@patsyeide3626]

So about how much would the total cost be for A, B, G, and drug plan

[@MedicareSchool]

It could range anywhere between $300-500 (average) a month. Depending on where you live, other places have much higher premiums. We would be happy to help breakdown cost. Just give us a call at 1-800-864-8890.

[@pl8603]

Thank you very much

[@MedicareSchool]

You are welcome

[@dinorahpenabad5941]

Very good information. 🙂

[@MedicareSchool]

Glad it was helpful!

[@randyjerrett3385]

You make it easy to understand!!! Thanks 😊

[@MedicareSchool]

Happy to help!

[@randanew2275]

What about the payment process involved in original Medicare. I’ve always had insurance similar to advantage plans so I understand how it works. That is why I chose an advantage plan. I don’t know how the other plans work.

[@MedicareSchool]

With a supplement plan, you have a deductible of $240 (this year), You will pay your copays, and medical bills up to the $240 deductible. Once that has been met your carrier will pick up the remaining 20% that Medicare does not cover. The deductible resets every January 1st.

[@randanew2275]

I meant is there a hassle about gov’t paying in a timely manner and having to negotiate he about they pay.

[@stevegonzales3612]

I watched so many KZbin videos on Medicare, and it's mind-blowing 🤯 on what is and what isn't a necessary supplement to Medicare!? I will go on Medicare in (22) months, as a veteran with 100% disability, I don't see anything that has convinced me I need any other supplements other than Medicare A&B?

[@MedicareSchool]

Those with VA benefits have a few other options, not sure if you've seen this video, you should check it out. If you have any questions you can call us at 800-864-8890. kzbin.info/www/bejne/gHu8kqiLn52Ajbc

[@stevenscott5814]

I am curious how much money as the insurance agent making the sale, you make when you sign patients up for each of the different plans.

[@MedicareSchool]

Agents are paid higher commission for selling advantage plans rather than supplement plans. With our company our agents are paid the same even if it's a supplement or an advantage plan.

[@torybombard4542]

Do you know if the N plan premium stay lower over time say 10 years verses the G plan? If the pool of sick people enter the G plan during the 6 months window will they drive the cost of insurance faster over time?

[@MedicareSchool]

Here is a great video explaining this stability in rates: kzbin.info/www/bejne/g2SUl6Zui8pgh9E

[@garywolff5812]

Very good video. Explained all my questions. Thank you .

[@MedicareSchool]

Glad it was helpful!

[@michellewinkler3985]

This is absolutely outrageous? How do older people afford this? A family member just returned to the states from the UK. EVERYTHING is paid for! He was in the hospital for a week while he lived there. He paid NOTHING!!!!

[@bloozedaddy]

Put Mexico on their border and see what happens

[@user-rd8yv4kj9x]

Yeah, I have family members over there that have waited over a year to have mammogram, colonospies, scans and other medical procedures...that's why people from Canada & Europe come over here!!!!! Be careful what you wish for!!!!!!

[@redonionsyummy]

Well said! There is a big downside and cost to socialized medicine and socialism​ in general.@@user-rd8yv4kj9x

[@llee8325]

Yes, but what they don't tell you about those "free medical care" is that they RATION CARE. NHS, after a certain age, won't give you a bed, they roll you on a gurney out in the hallway. In Canada, you can DIE while waiting for a heart operation.

[@steveharmon9000]

And they called Bernie Sanders all kinds of names.

[@kevinbradshaw9209]

Wow great information

[@MedicareSchool]

So glad that we can help!

[@Kris-ib8sn]

These agents also get the highest commission when you sign up for a G plan for all the supplement options.

[@MedicareSchool]

That is incorrect, agents are paid higher commission for selling advantage plans rather than supplement plans. With our company our agents are paid the same even if it's a supplement or an advantage plan.

[@msferz9177]

I learned a lot. Thank you. I will ask dad is he wants to switch plans.

[@MedicareSchool]

We're glad that we can help, if you find that you need any assistance give us a call a t1-800-864-8890. :)

[@Souljourner7]

I have plan F. No longer available to new enrollments. Wondering if I should switch to G🤔 Expensive.

[@MedicareSchool]

We'd be happy to review those options with you to see if this move would benefit you! You can reach our office at 800-864-8890, we're here to help!

[@mymys1992]

156 for My G In NJ... AARP already sent a letter to increase ! AND After my hospital stay, the hospital is saying that I owe the deductible for the A GAP. (1632)???? On your video you're saying that I don't OWE THAT???

[@MedicareSchool]

Did you give them your supplement card at the time of the visit as well? If they show you have a supplement then correct you are not responsible for that deductible. If they have it in their system already I would call billing to clarify that you do pay that deductible for Part A.

[@Madjed2024]

Always informative I have few questions and am hoping to get your answers being on cobra I have to enroll in Medicare soon (8 months) - will the cobra become my supplemental plan? And in MA the 6 months from part A/B does not apply so I can stay on Cobra right? - is the deductible of part B related of the income of year of registration or year before? - how should I handle the medications plans? Thanks much

[@MedicareSchool]

That's absolutely correct. When enrolling in Medicare Parts A and B, it's crucial to also sign up for Part D to avoid late enrollment penalties. You have a 63-day window to enroll in Part D after your initial Medicare coverage starts. Your Cobra will be your "supplement" until you switch to a Medigap plan. Please note: The Part B deductible is a fixed amount set by Medicare and is not income-based. You're likely referring to your Part B premium, which is indeed adjusted based on your income from two years prior and is reassessed annually. Have more questions? We're here to help! Contact our office at 1-800-864-8890 for personalized guidance.

[@Madjed2024]

@@MedicareSchool Thank you so much for providing prompt and clear answers. Greatly appreciated

[@lisaveta8565]

Look for Cobra rules. You cannot have Cobra plan after you reach 65.

[@TenMinuteTrips]

@@lisaveta8565 For the OP: Not only can you not have COBRA and Medicare at the same time, you absolutely don’t want to be on COBRA any longer than absolutely necessary. COBRA is expensive! Once you turn 65, you have to sign up for Medicare Part A, even if you’re still employed and enrolled in a group plan. Once you retire, or are otherwise are no longer employed, you can sign up for Part B and get Medicare coverage outside of the regular open enrollment period. If you are under 65 and not currently eligible Medicare, finding an ACA plan is a better option than staying on COBRA for eight months.

[@kathyline11]

What if I generally get my health care through the VA? would you suggest I go with a MA only advantage plan?

[@MedicareSchool]

We have a great video about this topic you should check out! kzbin.info/www/bejne/gHu8kqiLn52Ajbc If you have any questions about this our team is happy to help, give us a calla t 1-800-864-8890.

[@glennthorstensen5119]

I assume these people were about 65. About what age do Medicare recipients move from a Supplement to Advantage plans because of price? If the government pays about $1000 (seen on a video) for a recipient on Advantage, what is the difference between advantage plans and the ACA? (Moop is one item) Having additional insurance to help pay for your MOOP on an advantage plan? How much would that cost vs staying on a Supplement? Thanks

[@carolynsnyder8127]

I have Devoted health Medicare advantage plan. They cut a lot of services this year. I need a new part C plan that will cover A, B and D

[@MedicareSchool]

You can call our office, we're more than happy to review new plans with you! You can call us at 1-800-864-8890.

[@jeffwise6398]

I'm concerned about unstable rates. Is there any data supporting Plan N subscribers are on the whole healthier or have less medical needs than people who are on Plan G?

[@westonhall6653]

A question: You said that Plan G is portable. If you move, would the premium amount change? And if so, when? Immediately, at the end of the year, or something else?

[@MedicareSchool]

When you update your change of address they will notify you of a new premium amount, not sure when that will take place, usually give you a 30-60 notice.

[@sherrymeadows8758]

In Florida the G plan is higher than in Georgia ; or it was several years ago. It should stay the same regardless of where one moves.

[@mymys1992]

I chose G but i just started in April and AARP/UNITEDHEALTHCARE Already SENT a letter of INCREASE... Shouldn't it be a year before I start having to pay more or is it automatically every january??

[@tegayle7961]

I have United Healthcare and mine increases twice per year. The 2024 increase over 2023 was ridiculously high … 17.2%. I now pay $293.80 per month, I’m 73 years old and live in Texas. I have Plan F and have never had to pay anything additional out of pocket.

[@weichen4920]

What are the premium of plan N and plan G, those are most important keys.

[@MedicareSchool]

Premiums vary in every state. We would be happy to review those cost based on where you live, you can call our office at 1-800-864-8890. We'd be happy to help!

[@RG-hf4et]

CAN SOMEBODY PLEASE ANSWER THIS QUESTION?? If I get a mammogram, a ct scan, a chest xray or go for blood work, do I pay a $20 copy for each of these visits? I understand a doctors office can charge up to $20 per visit. But what about medical tests or bloodwork?

[@MedicareSchool]

It depends on what plan you have in place. If you have a supplement Plan G then after reaching your deductible you wouldn't have to pay any copays after that. But with Plan N you will likely have copays to pay even after reaching the deductible. PCP visits are $20 copays, specialist can be $20-50, and ER copays are $50.

[@vvfamily308]

Is there a way to tell which plan you have ?

[@RG-hf4et]

@@MedicareSchool I have Plan G & it has been very good for me.. But I am considering switching to Plan N for smaller future increases compared to Plan G. I understand the MD & ER copay. But no one can answer me if an xray visit/mammography or an ultrasound test or a blood test has a $20 copay or not.

[@lawordersvufan8050]

How does plan G sound so good but unaffordable for people on SS retirement, now u can c y so many people r choosing advantage plans because of the high deductible on a social security benefit that we earned and can't find an affordable supplement plan

[@cynthiamartin7415]

So I am 66 signed up for A ON TIME. HUBBY COVERS MY INSURANCE NEEDS ON HIS WORK INSURANCE PLAN. I WAS TOLD THAT AS LONG AS I STILL HAVE MEDICAL INSURANCE WHEN I DO RETIRE, I CAN GET A SUPPLEMENT PLAN WITHOUT UNDERWRITING. I HOPE THIS IS TRUE. ALSO CAN YOU SWITCH FROM ONE GAP PLAN TO ANOTHER LATER? N TO G? AARP TO AETNA... EXAMPLES?

[@MedicareSchool]

That i correct you will not have to do underwriting. However once you have made a plan selection and you wish to change for example G to N it will require underwriting, after your first 6 months of being on Medicare. If you have any questions please call our office at 1-800-864-8890.

[@mamanita1298]

I have heard that in Ohio, drs aren't allowed to charge the 15%. Do you know if this is true?

[@MedicareSchool]

They can not charge the excess fees in Ohio. That is prohibited.

[@mamanita1298]

@@MedicareSchool thank you for the reply!!

[@harrymyhero]

Yes that’s right.

[@joycewatson7435]

What about California doctors?

[@MikeJ-h1u]

I'm on disability and just turned 65 a month ago I've been on an advantage plan for a year and a half can I switch over to Medicare without having to be unwritten

[@MedicareSchool]

Absolutely! Your window to do so ends 3 months after your birthday month. Give us a call we'd be happy to help! 1-800-864-8890.

[@rosiemom8499]

I'm in Washington State, paying $155/mo for the N plan this year. The G plan was $50 more per month, so I opted for the N. I've only had 2 doctor visits this year. so far it's a big saving for me. Wonder what it will be next year.....

[@heynow4286]

Plan GHD is only $48 a month in WA state.

[@rosiemom8499]

@@heynow4286 interesting! Last I looked, a couple years ago, high deductibles weren't an option. Might be worth considering now. Thanks for the heads-up.

[@smileytow1925]

Our plan N ( two of us on it so it’s suppose to be cheaper in Wa state was $162 a month each, last year in 2023 it was $140 our supplement plan is through Regence our part D for meds through Aetna went from 3.30 a month to $35.30 a month for 2025, that was a big rise

[@rosiemom8499]

@@smileytow1925 Same here. Since my husband passed away I no longer get the spouse discount from Regence. That $3.30 rise to $35.30 for Aetna Part D was a stunner for me as well. I'm anxious to look on the Medicare.gov webpage after Oct 15th. I only take one prescription medicine that I get directly from my doc's office. Less than $10 total cost per year. Maybe there's something less expensive - though I think all Part D plans have gone up quite a bit.

[@sherrymeadows8758]

⁠​⁠@@heynow4286what is a “GHD” plan ?

[@phyllissalcido1846]

Could you explain PPO plans. Thank you.

[@MedicareSchool]

PPO plans are very similar to what you had while you we're working. Here is a video about advantage plans that will provide more information. kzbin.info/www/bejne/r2isiHyAmMZohsU

[@bowdoin5063]

I have plan N and have never paid a $20 co-pay for a doctor visit

[@annasalazar4396]

Does the G plan cover prescriptions

[@MedicareSchool]

It does not, you have to get a stand alone Part D plan to cover prescriptions.

[@lrbjr123]

I'm surprised at the low number of plan N because of the education you put out, it seems to me that it makes more sense than G. A lot of people must just want set it and forget it.

[@MikeD_]

Set it and forget it is fine, especially if the difference between a G and N is only $20 or so. If it's near $70, as it is in parts of NY, then the N makes more sense, especially since those who live in NY (and three or four other states) can move freely between plans without going through a medical underwriter.

[@MedicareSchool]

That would be the case, most prefer to not have any responsibility after meeting the deductible.

[@kimrobinson7099]

Is the G plan, in or out of network?

[@MedicareSchool]

Plan G has no networks at all. As longa s the provider accepts Medicare, they can see you! If you have any questions please call our office at 800-864-8890.

[@jerrybrown4595]

Just be careful of the advantage plan. If you ever get sick or need extended care you will spend much more then traditional Medicare with part G coverage. Even the 5 days of hospital expense will cost the same as around 8 months of part G monthly payment. I chose United Health Care thru AARP and have been very happy with my coverages.

[@dougward8692]

t does it cost a month for the A B G plan

[@boblongmore907]

Me, i took OM with supp plan G, becuz, i can use in all 50

[@ChrisSadowski-pp1np]

Plan G average annual increase 6.5%. plan N 4.5% HDG 2.5%. If a supplement costs has an average of a 7% increase every year A supplement costing $120 at age 65 will cost $240 at age 75 and $465 at age 85. To everyone who thinks plan G is the best option just wrap your head around those numbers. Clearly the choice for most people should be between plan N or HDG.

[@UncleDavesKitchen]

My N plan is $103 a month. I see 3 physicians and only one charges a copay of $9 a visit. I see him twice a year so that's $18.

[@ChrisSadowski-pp1np]

@@UncleDavesKitchen You made the right choice!

[@warnerbrother9958]

I’ll take the G sounds about right to sleep at night

[@ChrisSadowski-pp1np]

@@warnerbrother9958 N is just as good. Excess charges are almost non-existent and the co pays aren't that bad unless you go to the doctor more than twice a month. It's your choice, but unless you have a chronic condition going into Medicare like MS, G will soak you in premiums later in life.

[@ChrisSadowski-pp1np]

@@warnerbrother9958 N is a better deal. Excess charges are almost non-existent and if you don't go to the doctor more than twice a month you'll be doing good.

[@JMJT325]

Do you educate on Medicare/Medicaid dual persons needs?

[@MedicareSchool]

Yes we can! Our team would be more than happy to help. You can reach our office at 1-800-864-8890.

[@lancerx1001]

Plan G

[@MikeD_]

I don't know, Marvin. With 24,000+ clients added this year I'm thinking you can afford that Jaguar. : -) Just kidding, of course. I'm an new Plan N signee through you guys. I live in NY, so the gap in premium cost between a G and N makes it more than worth it; otherwise, I'd be plan G all the way.

[@MedicareSchool]

Yes, for New York that would make much more since. Saving you tons in premiums. We're glad that we were able to assist! :)

[@Gelovan682]

why not G high deductible? then only if my costs are in the $2500 range will I pay that amount, and the rest of the time I'll pay a much lower monthly premium than if I was on G

[@CandeSkinner]

What is the difference between Plan F and Plans G and N??

[@MedicareSchool]

There is only one other difference and that is that Plan G does not cover the Part B deductible. Our team would be happy to help comparing those plans to see if this would be beneficial for you! You can call our office at 1-800-864-8890.

[@markgreen4091]

With so much confusing and conflicting information out there how do I make the right decision. ??????

[@MedicareSchool]

We would be happy to review and compare plans available in your area, and help with the break down of which would be best based on your situation. You can call our office at 1-800-864-8890, our team is happy to help!

[@tammywheeler7463]

Cost for supplement G in HI?

[@MedicareSchool]

We'd be happy to review the cost, you can contact our office at 800-864-8890.

[@evelisseortiz8373]

Please do not stay in from of the white board until the end so we can have chance to take a screenshot. Thank you

[@stepheninge2173]

I have a Medicare Advantage Plan with a max out of pocket of $400. I guess I'll stay right where I am.

[@radcock9282]

Could you tell me please which Medicare advantage plan you are on for inpatient hospital that low. The lowest I have found is about $1600.

[@angelagomez3333]

PLAN G

[@scottb6269]

How about comparing past rate increases by each insurer. I suspect most of the unhealthy people will be on plan G and those going with plan N would be healthier. This would likely effect the long term rate increases.

[@cindyk4145]

If a &b go away, y do you pay the $185 premium on an advantage ??

[@MedicareSchool]

They require you to continue paying for Part B to keep your advantage plan.

[@phyllismassengill6387]

I'm have insurance have had it for years through my husband's retirement now they want to change our prescription plan we both have A&B Medicare had Caremar prescription plan now their changing it what to do now

[@MedicareSchool]

To better understand the situation you will want to meet with someone on our team. You can contact us at 800-864-8890 we'd be happy to help!

[@lsegall]

Doesn't the premium for medicare supplement plans increase with age?

[@MedicareSchool]

Yes, they can another factor could also be the cost of living.

[@joselingomez503]

How much is the N plan I’m 80 yers old?

[@MedicareSchool]

Costs vary depending on where you live, our team would be happy to review N plans in your area. You can give us a call at 1-800-864-8890

[@Urbman1566]

I am on a united health care advantage plan through AT&T as a retired employee. I am paying no were near the copay costs you are implying are the average copay costs if one is enrolled in an advantage plan. Example my inpatient hospital care copay is $100 per stay not per day your average figure was $350 per day. My yearly moop is $900 not the 5 to 10 thousand dollars you said were average for an advantage plan PPO like mine. I could go into other copay example comparisons but yours were way higher than what I pay in my advantage PPO plan. So my question for you hear is why are your “average” advantage plan costs so much higher than what I am actually paying in my advantage plan?

[@MedicareSchool]

Every advantage plan is very different. Some have a max of 2,000, 5,000 or even 7,000. They vary by carrier, what state/area you live in, what kind of coverage you have included and much more. Not all plans are built the same, that's why it's important that everyone completely understand the coverage they are selecting.

[@Barbaralee1205]

I’d like a plan G or N that has a focus on functional medicine - meaning lifestyle, diet, exercise/pt, looking to make me healthy and not just a Guinea pig for pharmaceuticals and surgery. Do you know of one?

[@MedicareSchool]

That would be Plan G with UHC they offer their supplement with a gym membership! We'd be happy to help review and go through the details of their plan. You can call us at 1-800-864-8890.

[@nyouguysdoagreatjob7179]

What is F plan. Will it go up for 2025

[@tammy_oh_nevermind]

I still have a year to figure all this out. Can anyone tell me what an agent will do for me? Why not just sign up on my own. What scenario would they be any help? Thanks!

[@yy4uman]

Doesn't cost you anything, they'll know a lot of shenanigans that insurance companies pull, and which will increase costs less over time. Etc, etc. Plus, more eyes looking out for avoiding costly mistakes is always better.

[@MedicareSchool]

By working with an agent or broker, you can efficiently compare multiple Medicare plan options. It's advisable to choose a company that offers plans from various carriers to ensure a wider range of choices. A broker can provide valuable insights and help you select a plan that aligns with your specific requirements. They may be familiar with regional regulations and nuances that you might not be aware of. Similar to our approach, we prioritize listening to our clients' needs to recommend the most suitable plans. We would be happy to assist, you can always reach our office at 1-800-864-8890.

[@tammy_oh_nevermind]

@@MedicareSchool thanks!

[@DebbieBennett-p5v]

Marvin, i have called twice with a question. I asked what plans are available since im getting ready to sign up, i was told to go to Medicare. Gov and look at plans!😅​@@MedicareSchool

[@sherrymeadows8758]

@@DebbieBennett-p5vyes. I got the same once when I called. I thought he had agents who would talk with you about the plan you maybe on at the present & or looking to change or go back to Original Medicare. If I call I want the agent to not kick me off the phone so quickly but to answer my questions & tell why one plan or the other is better or not. Isn’t that why most call anyway?

[@midasgoldmail]

@medicareschool You have no clients choosing High Deductible G?

[@MedicareSchool]

We do not offer High Deductible Plan G with our company specifically.

[@midasgoldmail]

@@MedicareSchool Wow why not? Even in states you operate in that offer HDG, like New York?

[@TenMinuteTrips]

@@midasgoldmailWhy would you want that plan? You may be perfectly healthy now but what happens in the middle of the summer when that pain in your abdomen isn’t going away. What legitimate broker (pardon the pun) is going to serve up a plan that will leave you bankrupt the first time you get really sick?

[@midasgoldmail]

​@@TenMinuteTripsIn my zip code in New York, Plan G premiums start at $302/mo, Plan N at $220, and Plan G high-deductible at $68. That makes a compelling case for many to go with G-hd. And in NYS they have the flexibility to switch to another plan at any time.

[@DannyTheIrishSwede]

How do you find out if a doctor charges “excess charges?” Seems an awkward thing to have to ask the doctor or the nurse triage, but I was hit with a couple hundred in what I believe to be excess charges by my pulmonologist’s office for an asthmatic condition after I had been treated and ‘scripted. Had I known that would happen I would have went elsewhere. Is there a website/clearing house that has this info available for the benefit of patients?

[@MedicareSchool]

You can ask at the office legally providers have to inform you if they charge excess charges if a patient asks. I would advise just contacting the doctors office again.

[@DannyTheIrishSwede]

@@MedicareSchool Thank you