The Worst Supplemental Plan vs The BEST Paying A $282,000 Medical Bill

[@MedicareSchool]

✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?

[@samkeino6810]

Your Link does not work! You must pick your state, but the dropdown menu will not work!

[@MedicareSchool]

@@samkeino6810 There is no state information to fill out in the form you're referring to. If you're having trouble with the site, give us a call at 1-800-864-8890 and you can schedule an appointment over the phone. Sorry for your troubles.

[@masterlee4370]

After watching this video if we took a test on it I would get an "A". It was that interesting to watch. It just reinforced my decision to get that "G" plan. The peace of mind that comes with that plan is priceless. Now that I think about it I would get an "A" on all "The Medicare School" videos I watch. They are just that good.

[@MedicareSchool]

We appreciate those kind words, we are thrilled to be able to help day in and day out. If you ever have any questions give us a call at 1-800-864-8890!

[@bob3036us1958]

This is the best information on the internet. Thanks 🙏.

[@MedicareSchool]

Glad it was helpful! We're pleased to help!

[@JBoy340a]

We have a G plan. We don’t have many doctor bills but like knowing if we do the costs are covered.

[@perryandmichelle]

This is the most informative medicare video I've seen. Thanks.

[@MedicareSchool]

Glad you enjoyed it!

[@sharonyoung8251]

I had the F plan (I’m 78 and still working). I recently switched to the G plan. I’m saving $100 a month in premiums. Extra deductible is $240/per year

[@MedicareSchool]

Great to hear!

[@gracebe235]

@sharonyoung8251……..I was on plan F, but I was getting nervous over the rates going up quickly in a few years, due to a dwindling pool of people on that plan. I just went through underwriting to change to G, with a different insurance company too…..a company that I was told, has had a track record of having the lowest price increases over time. I looked at the price for the plan F with that company, and over the course of a year, the difference in price of the monthly premiums, would be about the amount of paying the yearly deductible on plan G! So, it was a no-brainer to switch to plan G, being as by the end of the year, I would be paying the same amount with either plan, EXCEPT, that with the plan F, my premiums will start to go up faster over time, compared to G, making G the better choice while I am still healthy enough to pass underwriting. If I had waited too long, who knows? I could have come down with something that would have prevented me from being able to leave plan F……and then I would choke on the rates after a few more years! I DO NOT want to end up on an Advantage plan, because I could no longer afford the plan F. I think the G plan will have plenty of people in that pool for years to come, making it the more stable choice between F and G.

[@mikelyons70]

Thank You from the State of Maryland. I am 66 year old still working.

[@MedicareSchool]

Glad that we can help!

[@barbarabrooks4747]

Glad you have the health to do so!

[@PCTLadyPuterTutor]

Once again a very comprehensive and easy to understand video. We appreciate you taking the time to put out these videos!

[@MedicareSchool]

Happy to help anyway we can!

[@UncleDavesKitchen]

I have the N Plan and only 1 of my 4 physicians charges a. co-pay which is $9. I see him 2x a year. My premium is $105. a month. For me N was more affordable.

[@sheryllegg845]

What state do you live in?

[@kennethreynolds8]

I’m leaning towards the N plan because of that also.

[@UncleDavesKitchen]

@@sheryllegg845 Arizona

[@UncleDavesKitchen]

@@kennethreynolds8 Medicare seems to close the plans that have no co pays. The last one left standing is G. When a plan closes the membership freezes, and as subscribers fall away the premiums rise, such as in Plan F. I guess the next plan to freeze will be G.

[@Meadowlark57]

@@sheryllegg845 The premiums vary in price according to age, gender and zip code--not just state! Our premiums are quite low also and we live near a city in the midwest and both in our mid-60's and good health, no/very few meds.(Plan N)

[@liap1293]

Excellent comparison information. Thank you.

[@MedicareSchool]

Glad it was helpful! If you have any questions just give us a call at 1-800-864-8890.

[@Jimwood-tt2je]

My wife and I pay a combined $668 a month for plan F. The premiums have risen from $478 a month combines since we purchased this plan in 2019. Our plan D has gone up each year since 2019 too. Even with the cost, we are extremely happy with this plan. We have the financial resources to fund the yearly increases and knowing that we won’t get hit with huge medical bills that are covered by Medicare and our supplemental insurance makes life a lot more comfortable.

[@MedicareSchool]

Great to hear!

[@toddlajiness]

Fantastic video, Thank You!!!

[@MedicareSchool]

You are welcome!

[@LDhusky]

Jan of this year I went on part b with an N supp plan. Feb of this year I was diagnosed with three different cancers. Plan N is wonderful. If I could have seen the future. Plan G would have been my choice

[@MedicareSchool]

Still great to hear that you got onto a Medigap plan and getting the coverage you deserve. From all of us here at Medicare School wish you the best on your journey and recovery!!

[@MikeD_]

All the best to you as you battle your different cancers. Have you run across any excess charges?

[@LDhusky]

@@MikeD_ no

[@cindypatrick785]

My 74 year old disabled husband did the trial period w Medicare advantage, fortunately I was able to show him that the insurance company was going to be making his choice as to drs and hospitals he went to , so he dropped MA just in time. Few months later major health problems, numerous hospital stays and many various specialists to see😏. We’re both w the same carrier so we each get a 10% discount on our premiums, saving us $47 monthly.

[@sandratroehler3553]

I also have a Plan F. It’s no longer available but I am grandfathered in. I would cut groceries before I would change insurance.

[@susanbruce1819]

We pay $189 in florida for a g plan. Florida is expensive. Medicare school is awesome.You call them.They take care of everything for you, as well as answer any questions you may still have.

[@MedicareSchool]

Thank you for sharing, glad that we could help :)

[@BrittMFH]

I'm in MN and pay $225. Planning a move to Florida and I think $189 sounds wonderful!

[@johnscott2746]

I have a plan N and live in Florida. Plan G was going to cost $220 a month and my plan N is $141.

[@JohnJohn-wr1jo]

​@BrittMFH Your not comparing apples to apples. Never mentioned their age. Floridas supp costs are some of the highest in the nation. But your forgetting the most important consideration. Quality of care. Florida is in the bottom 20% in healthcare outcomes and overall quality of care.

[@coffeechocolate7364]

Very understandable breakdown of cost and coverage. Thanks so much.

[@MedicareSchool]

Glad you enjoyed it!

[@karenkoe7096]

Please do a video that shows the premiums for each of these plans. You can pick a random (no need to name it) company that your agency sells and use something like age 73-74. The potential premiums for these plans are nearly as important as the coverage itself. Just go down the line just the way you did in this video.

[@MedicareSchool]

Thank you for that suggestion, great topic!

[@barbarabrooks4747]

The premium depends on the insurance company. You must shop around.

[@57msdeb]

The premiums vary by state, so pretty hard to cover all of that.

[@mh-be3es]

Still it would give us a ballpark sense if you chose say 4 states from east west south and midwest

[@kathleennece715]

Interesting. I’m 77 and have the F plan. Had 2 heart attacks, hip emplacement, gall bladder removal and cancer involving chemo and radiation. I was not billed for any of the services I received. If I was going to sign up today, the G plan would be the one I would choose. I will say that my premium has gone up every year except one year. It usually goes up about $25 per month every year. This year it is $322 per month.

[@robeigner4390]

I have the same F plan. Only one heart attack (>$100K) but lots of other hospital and doctor's visits. My plan increased to $300+ for 2024 and because I moved to Minnesota. Washington cost about $50 less. I finally had to pay for a medical service when I went to the emergency room thinking I might be having another heart attack. It ended up being my first Covid case. Because i wasn't admitted, even though I stayed overnight, I was charged $100 for the emergency room visit. I'll take this cost versus what I would have paid while working with health insurance any day.

[@patburton837]

I just enrolled in the F plan in 2023. I was paying $228.00, and now it's up to $283.00. I'm sure it's going up to $300.00 soon. I'm in great shape at my age in the mid-70s.

[@sheryllegg845]

@@patburton837thanks for sharing..I am mid 70’s on Advantage considering changing to supplement…blessed with good health-Thanking God. Thanks again -Columbus, Oh

[@jrae6608]

My friend has history cancer and heart problems, she has kept her F plan, she has done the math, still less expense to keep F plan. Had several Dr visits and testing this year, more then paid having the F plan, as no out of pocket, no 20 % charge which is on the G plan.

[@barreloffun10]

​@@jrae6608Regular Plan G has no 20% coinsurance, only a small annual deductible which is $240 for 2024. That is a flat $240, not a percentage. You may be thinking of a High Deductible Plan G, where you would pay 20% of Part B charges until you've paid the plan's deductible, which is $2800 this year. Again, regular Plan G has no percentage payments, only a flat $240 deductible once per year.

[@Savannah-ed4rv]

I'll be eligible for a supplement next year that's affordable since I'm on disability. I'm still interested in high deductible G and I wondered if you would do a video on that. Thank you!

[@nancymiller5413]

You need a chapter marker for the scenario (9:04). And you omitted totaling items 1 to 4 which would be the patient’s part with Parts A and B only (total is $10,044) At 12:28, you start what all 10 plans cover. Plan A starts at 13:40.

[@shawnhiett3065]

I wish you would do an example like this with chemotherapy included. Since it is typically out-patient treatment it falls under part b. That's what worries me as I try to navigate this decision.

[@MedicareSchool]

Thank you for the suggestion!

[@tmhart43]

Hi. I work for an oncology practice (also gong through chemo). The think to keep in mind is that if you get chemo in the doctor's office, the drugs you receive in office are covered under the Part B medical coverage. You may take oral chemo that you puck up at the pharmacy, and that is covered (or not 😢) under the prescription drug plan.

[@mey7579]

I pay $246 a month for Plan F and I have medical costs and treatments exceeding $60,000 a year, probably until I die. I’m only 71 and will most likely live until my late 80s, based on my current health and my parents’ longevity. $246 a month is a bargain.

[@laurie6332]

Yes you are very lucky!

[@evafrank7019]

I am in the same position. 72 yrs old, my supplement is 247.20 a month + a part D about $87. I have no out of pocket costs for medical care thus far. I have been dealing with lung cancer for last 8 yrs and my one 3 day hospital/procedure billed the Medicare &supplement over $200K, not to mention that monthly cost for the lowest dose of target therapy pill is over $7100 a month, falling into the tier 5 catastrophic category, where I am responsible for 5%. My income does not allow me to pay the 5% and I have assistance from a fund that covers that. To the person who commented about being lucky, below your post, I say it’s not luck. It is thinking ahead and not being a risk taker and first taking care of housing, food and health care coverage, assuming anything can happen. That means giving up many things others enjoy. Dining out, vacation, unnecessary shopping, and overall everything that is not a necessity. The last year before going on medicare, my monthly health insurance was $ 974. I had to use savings to pay that. But my diagnosis happened few months before I turned 65. Because I had good coverage, the total hospital stay and first month of meds was covered by my insurance. That alone was about $210k. If I did not pay that high coverage cost, I would have ended up paying lots out of pocket, at least 20%. So no it’s not luck, it’s prioritizing.

[@mey7579]

@@evafrank7019 very well said. Best of luck with your health in the future 😊

[@cindypatrick785]

My 74 year old disabled husband has the F plan and we are anxious to see what his premium will go up to in 2025. Since I switched over to his carrier in May we both qualified for a 10% family discount saving us $47.00 a month. I’m on a G plan right now,but since we live in a birthday rule state he may be able to switch to a G plan without doing underwriting ( he would flunk); if not I may go to N plan to help the budget…….we’ll see what happens.

[@mey7579]

@@cindypatrick785 I attempted to pass medical underwriting to switch to Plan N before all my treatments started. But I couldn’t pass the underwriting because of anomalies in my blood work. I am certain I can pay for Plan F forever even if it continues to go up in price but my children told me not to worry about the premium increases as they will cover them if I cannot. I know I’m going to need the monthly treatments I am getting until I die and I’m sure Plan F will always be cheaper than the cost of my medical care.

[@kaemart8374]

Great information! Thank you!

[@MedicareSchool]

Our pleasure! If you have any questions don't hesitate to give us a call at 800-864-8890.

[@Carol-xy2sx]

I've been watching Medicare School for quite awhile. I have never seen any information for my situation. I am 85 and I've had Plan F since before 2020. I pay for my F plan $434 a month and live in California. I have not been in a hispital and I am on just a few meds. I heard that my monthly payment will go way up because gov't won't cover after 85. Is this true and could you possibly show information on my situation and i'm sure for others. Thank you for providing great information for a confusing insurance policies. Carol

[@VivaciousOM]

That doesn’t sound right to me as my 95 year old relative still has Part F and always has.

[@MedicareSchool]

That doesn't sound right, Medigap/Supplement plans are ones that are there for life. Give our office a call directly, we can certainly answer any questions to your specific situation. You can reach us at 1-800-864-8890.

[@nancy3853]

@@MedicareSchoolThis is not True. If they did not write the policy forget it and if you can’t pass the underwriting they will not want to help you even Part D. I know I called them!

[@LorenasChesed1beads]

Hello I don't have heart disease diabetes or any cancer. I have four autoimmune disorders I left Medicare Advantage plan in 2023. I have Anthem Blue Cross HMO; Prime; Carlon medical group. It's confusing. I want to be ready for the unexpected what additional supplemental plan can I purchase just in case I do get diagnosed with cancer? Are there any? What I have is not going to be enough in case something does happen my apologies. I should have watched this video before I commented. You are explaining and covering all of this. I have been on Medicare as of 2001 I went on permanent disability. When I turned 65 it rolled over to my retirement plan. I was giving Medicare Advantage plan. I left that in 2023. My husband started a new job we will have additional insurance. I don't have that information yet. Will Medicare make my husband's Insurance the primary? they've done that in the past. Thank you, Lorena

[@richardnowacki2869]

You should add the cost of premiums as your age goes up at what rate

[@silversahar1566]

Great Video. Thanks for the education .

[@MedicareSchool]

Glad we could help!

[@JuliaDonahue-r6v]

Im on Medicare Plus Blue PPO DO I NEED TO CHANGE

[@MedicareSchool]

You only need to make changes if you're unhappy with your current plan, if you received an Annual Notice of Change (ANOC) indicating your plan will no longer be available in 2025, or if there are changes that could negatively impact you, like your provider no longer being in-network. Here’s a video we did covering this topic and outlining what to look out for to determine if changes might be necessary. kzbin.info/www/bejne/qaCmlWZrr6yhmaM

[@MohammadRafiq-kt8nj]

Very nice and informative video.

[@MedicareSchool]

Thanks a lot! If you have any questions we're happy to help, you can reach us at 1-800-864-8890!

[@karenlumpkin2918]

My " G " plan through Humana went up $12.65 a month from what it was a year ago.

[@BrittMFH]

Lucky you. That's not much!

[@karenlumpkin2918]

@@BrittMFH May not seem like it but I don't get much Social Securiy. It is alot to me.

[@optionstraderman]

Good video however, I'm surprised you didn't mention the HD-G Plan for those in high premium states like myself in Central Florida... How would that plan fare in your scenario??? In my zip code here in Florida, for my age, G plans run $189-$289 per mo, N Plans are $145 - $204 per mo., and HD-G Plans run $69-$106 per mo. An HD-G plan costs roughly 2.5 to 4 times LESS than a G or N Plan with an annual Deductible of around $2800 (not including excess charges) if I understand the Plan correctly. I'm told that nationally, less than 3% of all doctors will have excess charges, so they are avoidable. Am I missing something here?

[@paulstein916]

Agree. Was waiting to see how HD-G would do. With a $2,800 out of pocket, it would fare pretty well against most plans. Why did you exclude the excess charges from the $2,800 OOP?

[@FloridaNative59]

Amen, the brokers get paid a very low commision for the HD-G plan hence he forgot to mention it.

[@FloridaNative59]

@@paulstein916 simple answer really, his commision $$$.

[@optionstraderman]

@@paulstein916 I did not include excess charges in my original post because less than 2% of the doctors actually charge them. Also I believe you can sign a document when you're admitted into a hospital specifically stating that you will not pay any excess charges, so that kind of gives everybody the heads up very early in the game so you have no surprises at the end of the day. After thinking about this for a minute, I just remembered that the high deductible G plan does include excess charges exactly the same as the normal G plan does. So no worries there.

[@optionstraderman]

@@FloridaNative59 Yes I agree, the commissions are probably pretty low for that HD-G plan, however here in Florida the plan N and plan G premiums are so high that by the time you tally that monthly cost into the mix, if you happen to be healthy for one year, you save a ton of money. If you happen to not be healthy for one year, you're out of pocket expense is going to be about the same as the N plan or the G plan for that year. Unless I'm missing something, it looks like a no-brainer to me. 2800 Plus a $69 monthly premium still has you coming out much better than a lot of the company sponsored plans when you were working. Call me crazy but it just seems to make good financial sense to use your medigap plan more like a catastrophic plan. Also over time I suspect that this plan will not go up very much each year compared to a plan N or a plan G. Yes, the annual deductible will likely go up about $100 per year, but I think it will still be much more financially beneficial in the long run than the N plan or the G plan. Also, since it is a G plan it includes excess charges just like a standard G plan would from everything that I've read.

[@sierguy8902]

Hi, there are 8 states in the nation that won't allow 15% access charges. I think you should emphasize that in your program whenever you're talking about excess charges.

[@VivaciousOM]

Connecticut Massachusetts Minnesota New York Ohio Pennsylvania Rhode Island Vermont As of 2024, these states do not allow excess charges.

[@kdani11307982]

@@VivaciousOM thank you for this information. As soon as I retire I want to leave Florida and I'm trying to figure out what state to go to.

[@VivaciousOM]

@@kdani11307982 Pennsylvania doesn’t tax retirement income and it’s often cited as a good place for retired people. Definitely has four seasons. Spring and fall are glorious. Summer is great if not humid. Winters vary. Some mild, some not.

[@bernicemartin160]

Can you make a video on pros and cons of Medicare MSA plans? Is HD G a MSA eligible plan? Have found your videos quite helpful. Thank you.

[@MedicareSchool]

Great suggestion!

[@carolynowens2788]

How are we able to pick from G plan what insurance how is it done

[@jrae6608]

Call them

[@MedicareSchool]

We can help with reviewing your options and signing up for these plans as well! Just give us a call we are always here to help. You can reach us at 1-800-864-8890.

[@travelerman6178]

It seems like there should be a video that rates insurance companies and compares their rates. There’s obviously a better company for coverage but how does that compare to their monthly rates and how would I compare the rates for my wife, in Kentucky?

[@MedicareSchool]

To compare rates you would have to meet with an agent/broker that works with more than one carrier and can compare various options. We would love to help you guys out. You can call our office at 1-800-864-8890, we are able to review the rate stability with those carriers as well!

[@catherinekoch3735]

But don't you also need RX supplement plan. Do these A-N plans cover Rxs at all, it wasn't mentioned at all.

[@glennthorstensen5119]

In your example Plan L is better than Plan N because of the Max out of Pocket. You mentioned only 5% charge Excess Charges. These Excess Charges made Plan N cost the consumer more. So, When you have an accident and your rushed to the hospital, how do you know if the ER physician is going to charge Excess Charges and leave you with a bill? I am turning 65 in less then a year.

[@jeffs3627]

Excess charges are not allowed in emergency situations.

[@ewm4935]

Do you have a video that gives advice on which Plan G to get? I think there are 12 companies to choose from in my area (AARP, Human, UHC, Texas Farm Bureau, etc). From what I understand, a plan G is a plan G no matter what insurance company underwrites it. But I've also heard that some insurance companies may not be as good or reliable as others???? Can you do a video that elaborates on what to look for when choosing the company to go with for a plan G or N or whatever plan you choose?

[@MedicareSchool]

That is based on the stability of the rates, which we discuss in just about every video we have that discussing supplement plans. To understand the stability of carriers you have to look back at the history of their rate increases. Typically carriers with larger pools of consumers have better rates, as they can spread that risk factor upon a larger pool. We can certainly review rate stability of those that are in your area. You can call us at 1-800-864-8890.

[@conniesteinlicht8959]

I have the F plan in MN with a high Deductible. Is that the same scenario as you stated once the deductible is paid?

[@MedicareSchool]

That would be the case with any supplement plan, once you've met the deductible you are no longer billed for medical services for that year. Deductibles reset every January 1st.

[@leonlovelife2109]

How can disable people pay $816 a day in hospital in that case?

[@maryellenthompson8261]

I’m 69 and interested in C+. Was that the C plan you talked about? How is it different from other supplemental plans?

[@MedicareSchool]

Likely not a common plan that other are signing up for. If you have questions about potentially reviewing give us a call at 1-800-864-8890.

[@PaulsTips23]

Question: if I start out a few years with the N plan can I switch to the G plan without needing medical underwriting?

[@stephaniesouthernmoore9723]

No, you'll need underwriting.

[@MedicareSchool]

Switching Medigap plans will always require medical underwriting outside of the Medigap OEP (first 6 months of Medicare Part B). Unless you live in a state where underwriting is not required. Those are CT, MA, ME and NY.

[@PaulsTips23]

@@MedicareSchool Thank you . I appreciate your information as I plan for retirement

[@MedicareSchool]

Happy to help!

[@dusttodust4295]

Thank you 🌹

[@MedicareSchool]

You're welcome, glad we could help!

[@jerihillken]

In addition to Plan N premiums being less expensive than Plan G, because of the pool of people in G having more medical issues, the premiums are expected to rise faster than Plan N.

[@collinsfriend1]

Josh pointed out the F plan has a higher premium so buying the G plan comes out cheaper over all.

[@ADAdams-wn1nc]

Thank you for another easy to understand but comprehensive explanation of all of the supplement plans. Keep up the great work Marvin.

[@MedicareSchool]

Thank you!

[@enamoradoyessenia]

do you have to go through underwriting every year if you change from one supplemental plan to another? or to stay on current supplemental plan?

[@MedicareSchool]

You do not have to go through underwriting every year if you are staying on the same plan. The only time underwriting applies is if you are making changes to a new carrier or changing letter plans.

[@GendooDad]

It would have been interesting if you'd have included an Advantage plan for comparison, although I realize you are comparing Supplemental plans

[@jrae6608]

Great info

[@MedicareSchool]

Glad that it could be useful, if you have any questions just give us a call at 1-800-864-8890.

[@marksmith4582]

Out of my price pay unfortunately! I have no savings! Guess I’d go broke!

[@collinsfriend1]

That is why you need to get a good supplement. F or G. I have G because to get part B deductible paid for you spend a little more for the premium, so the $240 deductible is much less than the extra you pay for plan F over the year.

[@sheryllegg845]

@@collinsfriend1i understand you can no longer get F?

[@BeckRD1]

I understand your feeling about the premiums. I can’t afford Plan G premiums, or that yearly deductible, and I can’t afford to pay charges incurred using Advantage plans. There simply isn’t money there. Might as well just get your plain Medicare handout, and file the bills into the trash can. No negotiation. Plain and simple. No resources.

[@MedicareSchool]

We understand that supplements may not be sustainable for everyone. We are happy to help reviewing plans that are best for your situation. Give us a call we'd be happy to help at 1-800-864-8890.

[@ellenakim2645]

could you tell me what is good company for supplemenntary plan, right now I have Aarp, increasing premium , over $400/m please help

[@MedicareSchool]

To do so we will have to review plan options in a meeting, we'd be happy to help give us a call at 1-800-864-8890. Our team is here to help!

[@Hoot1156]

Wow great job

[@MedicareSchool]

Thank you!

[@gordonclay3657]

Why don't you cover cost comparison for the F plan. Or do you recommend dropping F in favor of G? In my life I have had prostate cancer, a stock and open heart surgery most recently.

[@MedicareSchool]

We don't discuss them as often as we used to given that they are phasing out and not even being offer to new enrollees or being offered in every area anymore. The cost for those will continue to go up! Here is a video about Plan F briefly discussing this option: kzbin.info/www/bejne/aaG6gmisrNlrpKc

[@gordonclay3657]

​@@MedicareSchool It's not about signing up for F. It's about for those who have F whether their is an advantage to keep it for the future, especially with RFK Jr. coming on board, than go to N or G. It's not about money. It's about coverage. I live in Curry County OR. I was VERY happy with my MedAdvantage plan from Blue Cross. However, they are dropping the plan from Curry County forcing us to find multiple insurance policies to cover what it covered, Dental, Eyes, Behavioral Health, Drugs, etc. We are the only county in Oregon, I believe, that no longer has access to Med Advantage I will watch the suggested video to see if it gives me the pros and cons of keeping F versus moving down to a cheaper policy like N or G

[@calvinreichelderfer7989]

How much does the G and the N plans cost per month?

[@vinnyg2619]

Depends on where you live. If you go to Medicaee.gov, put in your zip code you can see the costs.

[@MedicareSchool]

That varies on where you reside in the US. We can review what's available to you! Give us a call at 1-800-864-8890.

[@Savannah-ed4rv]

Medicare does currently standardized the plans, but I believe there could be changes in all kinds of things because of the Supreme Court overturning the Chevron decision. Now judges will be able to make decisions From the Bench about how Medicare covers and administers things. In fact we are already doing it!

[@BarbaraManuell]

You stated that for plan g, the part A deductible is covered but not for plan N I just received my new medicare book and it looks like it does. I am confused. I thought the only differences are the excess charges and co pays. Thanks

[@MedicareSchool]

Part A deductible is covered under Plan N as well.

[@kdani11307982]

If I have part a M part B and then I get a G supplemental plan will my prescriptions be covered?

[@MedicareSchool]

Prescriptions are not covered by supplement plans, you have to sign up for a separate Part D plan to get medicine covered.

[@janice7425]

I currently have plan N. Is it a good idea to shop other provider’s plan N cost? Or is that not a good idea to switch if I find a cheaper premium?

[@MedicareSchool]

Nothing wrong with shopping around! Give us a call we'd love to help you out, 1-800-864-8890!

[@optionstraderman]

The only problem you may have is Medical Underwriting if you try to switch plans. Be absolutely positive you are approved for a new plan before dropping the old one.

[@deborahtinnin166]

Once signed up for the G plan can the price go up. The next year or any time down the road?

[@joalthri]

Yes, it can and likely will go up every year. I believe there's a % cap, so there won't be a huge increase in any given year.

[@MedicareSchool]

Yes, they typically raise premiums once a year!

[@ChevelleU24]

I just need to call you guys one day.

[@MedicareSchool]

We hope to hear from you soon! You can reach us at 1-800-864-8890.

[@JeanPierreWhite]

I thought Excess charges of 15% only applied to 95% of the medicare approved amount, so it's effectively 9.25%. Doctors who add excess are non participating providers right? NonPAR only get 95% of the medicare approved amount.

[@johnscott2746]

That’s correct. In his example the excess charges would be $2700 but honestly I’ve never heard of excess charges being that high.

[@JeanPierreWhite]

@@johnscott2746 Thanks for doing the math. That's quite the difference.

[@FloridaNative59]

He's trying to scare you away from an N plan because of lower commision rates, he also left out the third most popular plan in the United States. The high deductible G plan has a maximum out of pocket of $3000.00 but a very low commision for the broker.

[@JeanPierreWhite]

@@FloridaNative59 Didn't work. Both my wife and I went on Plan N this year and are happy with it.

[@FloridaNative59]

@@JeanPierreWhite Why didn't it work ?

[@Cat-qn1yw]

Does any plan cover Home Health? I mean beyond like recovery from stroke.

[@MedicareSchool]

All supplement plans will cover the same exact way across the board. By law they are required to include the same coverage. So home health will be covered.

[@richtaub3124]

What does a G plan cost per month?

[@MedicareSchool]

Cost vary based on where you live, we'd be happy to review them with you. You can reach our office at 1-800-864-8890.

[@carmengarza4817]

i have plan G do i need to get some other plan for RX ?

[@joalthri]

Yes, a Part D plan. It's optional, but well worth it.

[@MedicareSchool]

Yes, you will want to add on Part D plan to cover prescriptions. Not taking this plan at this time will result in penalties.

[@magdalenagrant6370]

if you have a N plan ,can you change to a G plan after a year?

[@MedicareSchool]

You can make changes at any time, you do not have to wait. It is just likely that you will have to do medical underwriting to make that change.

[@magdalenagrant6370]

@@MedicareSchool Thank you for the information. This is our first year on Medicare, we are learning every day. All the information is a bit overwhelming at times.

[@MedicareSchool]

We're happy to help, if you have any questions you can contact our office at 1-800-864-8890.

[@brendawilson8565]

My husband has Plan F and a lot of health issues. Several lengthy hospitalizations over the past several years. We were billed $0 for everything, all we paid was for some prescriptions to pick up after his hospital discharge. His premium is $320 monthly. I paid more than that for my poor coverage on “Affordable Care.” Of course there is the Part B premium, but that comes out before we get his Social Security money each month. Don’t be penny wise and pound foolish. If you expect to get old, you will need this coverage.

[@evangelinenguyen9090]

What about the dental is it included on g plan

[@evangelinenguyen9090]

How can I have a dental planon this supplemental g

[@MedicareSchool]

Dental is not included in Plan G, you can add on a separate ancillary plan for dental coverage.

[@deborahcatoire8955]

If my husband is covered under Medicaid do I still need a supplement .He is in a nursing home

[@MedicareSchool]

Likely that he wouldn't it depends on his level of Medicaid. You can call our office and our team can do a review for you! You can reach us at 1-800-864-8890.

[@felixgarcia9063]

Besides the $240 annual B deductible, there's a G-Plan premium. No mention of Medicare B Plan monthly premium of $174.70. Wouldn't that be included in your cost if you take this supplement G?

[@MedicareSchool]

You would ultimately have 3 different premiums to pay monthly. Part B, Plan G and a Part D drug plan.

[@felixgarcia9063]

@@MedicareSchool Part B $174.70, Part deductible $240 ($20@mo), G-Plan $130, D-Plan $70. Thats four payments. Is this correct?

[@michaelrudman5770]

What if I want to switch from advantage plan to plan g?

[@MedicareSchool]

It is likely that you will have to go through medical underwriting to make that change. If you are interested in in exploring this switch please give us a call we'd be happy to help. You can contact us at 1-800-864-8890.

[@cybrough]

do they cover pharmacy?

[@MedicareSchool]

Supplement plans do not cover prescriptions. You would have to sign up for a stand-alone Part D drug plan in addition to a supplement plan.

[@kathydreiling1510]

What's up with the C and F plan being grandfathered in? That's sounds like a crock to me. It should be fair across the board.

[@GraceRaymundo-j5o]

What insurance is the best?

[@MedicareSchool]

We suggest going with a stable rated carrier with stability in their history of monthly premiums. We would love to help in reviewing your plan choices. You can reach our office at 1-800-864-8900.

[@estelladog1]

Expat looks better everyday!

[@robingreene8167]

Does any of these pay for Ambulance service ?

[@MedicareSchool]

Ambulances services are covered by Medicare and if you have a supplement plan they will also cover this as well.

[@rosemariepennella6149]

Lots of people sick, take a look at how many people are taking medications and take a look at all the chemicals in our food!!!! If these things get under control then we wouldn't need doctors as much

[@JohnBarra-mf6vd]

I’m retiring by the end of year. When is the window to enroll In part b ??

[@vinnyg2619]

Medicare Parts A and B can start on the first day of the month you turn 65. If you retire before you're turning 65 then you are not eligible. If you retire after or you turning 65 when you retire yoru can go from an employer's plan to Medicare. Start the process about 90 days before retirement date. Medicare starts on the 1st day of the month, not mid month.

[@VivaciousOM]

If you are 65 or over and stop employer paid coverage, you have 8 months to get Part B without incurring a penalty. You have 2 months to get a part D (prescription plan) without penalty. You’d want to sign up right after stopping work.

[@MedicareSchool]

We suggest beginning the sign up process at least 2-3 months before you plan to retire to ensure your plans begin when you lose coverage from your employer. If you'd like some help along the way give us a call at 1-800-864-8890!

[@GaryR55]

Obesity isn't even a disease. It's a dietary condition, completely preventable and curable by a simple change in diet (paleolithic diet). I know. I have done it, starting in 2007. I'm going to be 72 in October and I weigh 156 lbs. In November 2007, I weighed 233 lbs and had just been diagnosed with type 2 diabetes. Within 5 months after starting a paleo diet, I had no signs of diabetes.

[@barreloffun10]

Paleo/Primal/Keto is the way to go. Low carb, plenty of fat and protein, just like our cave man ancestors.

[@BrittMFH]

​@@barreloffun10I agree. Don't do well sticking to my low carb diet, but when I do I feel so good.

[@airforcepilot1167]

Don't need any fancy diets. Just actually check calories of what you eat. The good ,bad 7 ugly foods will become daily identifiable. Haven't had a Big Mac or any chain junk food in 10 years. Regular exercise and proper health eating ( yes there are plenty of healthy good tasting foods) is all it takes. doesn't mean you can't occasionally over indulge. Lost 90 lbs in 2 years. Was super easy.

[@GaryR55]

@@airforcepilot1167 Well, congratulations, then. There is nothing "fancy" about the paleo diet, though. It's nothing more than a modern emulation of our stone age ancestors' diet. By the way, most people misunderstand the word "diet." They think it's a temporary thing you do to lose weight. But your diet is simply what you eat. You can eat a good diet or a poor diet. Our ancestors were hunter-gatherers and lived on mostly the meat of the game they hunted, supplemented with wild fruits and vegetables, fish, etc. There is no need to count calories. A calorie is just a unit of heat energy, not a nutrient, not a food, and it makes no difference at all how many calories the food you eat supply. Our ancestors were hardy people who lived naturally, eating what nature supplied them with. I do my hunting and gathering at the meat and produce aisles of my local grocery store. I never eat out and I avoid sugar like the plague. In fact, late last year, I stopped eating fruit because it's loaded with sugar. As a result, at 72, I weigh what I did at 32. I exercise daily, but the exercises I do require no weights or machines, just my own body and maybe a wall or floor. It's based upon the principle of self-resistance, i.e, using my muscles and body weight to supply resistance. There are no movements required. I just strike a pose that puts my muscles in tension and then hold it for a count of 30. Then I change positions and repeat. Body builder Charles Atlas called this principle "Dynamic Tension," but it goes by many names and is similar to yoga. A thirty pound dumbell makes a good addition, though. While some body builders use self-resistance, it's a good, simple way to stay in shape and you don't have look like a cartoon character.

[@airforcepilot1167]

@@GaryR55 awesome!!! sounds like we both are avoiding the bad stuff. I'm 50 lbs lighter than at age 25 lol! IOW i always as a little overweight, then got real bad. now at 63 lightest I've been my entire adult life. I too just do natural outdoor workouts. No gyms etc. It really is a healthy lifestyle change. Well done!

[@tamraholland2285]

🎉great

[@williamcorbin4539]

Pennsylvania is a state that does NOT permit excess billing so now plan N just appears even better if a PA resident.

[@haroldmann3303]

He doesn't talk about prescriptions on these supplemental plans. Or did I miss something?

[@laurac56]

Part D is for prescriptions

[@CarlosGunX]

You would need a separate plan D for prescription self administered medication

[@VomBethel]

Prescriptions are covered in a separate and optional Plan D. That would require a separate video. The Drug Plan one chooses would depend on where one lives in addition to current medications one is taking, I'll leave the rest to the experts like our friends at Medicare School.

[@karenkoe7096]

RX not included in any of these plans. You have to purchase a plan D for that.

[@sheryllegg845]

You have to get an additional D for scripts…same people can help you get one

[@47retta]

Do any of these plans cover chemotherapy? Also, eye injections for macular degeneration?

[@MedicareSchool]

Yes, with a supplement plan chemotherapy is covered. As well as injections. Give us a call we'd love to help with your Medicare, you can reach us at 1-800-864-8890.

[@bruceeigsti5274]

i thought all supp plans have the same coverage no matter what

[@MedicareSchool]

What Supplemental plans cover stays the same but how much of what they cover for a service will vary. For example, all Supplemental plans cover the first three pints of blood, but Plan G will cover 100% of the cost of that service while Plan K will only 50% of the total cost.

[@ossiebyer5968]

Still doesn’t understand in previous videos you stated that the c plan was an advantage plan in this video it’s not

[@VivaciousOM]

There’s a difference between a Part C (advantage) and a Plan C that’s a supplement to Part B.

[@MedicareSchool]

They are different, there was a Medigap plan called "Plan" C. Where as an advantage plan is "Part" C. is the difference.

[@KarenLovett-cf5dy]

Is these plans HMO because I don’t want that . PPO is better.

[@MedicareSchool]

The plans discussed in this video are all supplement plan so neither HMO or PPO

[@DanielNelson-w7p]

This is misleading and wrong as far as information about the $4,500 excess charges int the above example. I live in the state of Pennsylvania. In the state of Pennsylvania excess charges are illegal. This is also true in 7 other states. Only about 5% of doctor opt out of Medicare. And of those doctors who do, the vast majority do not charge the 15% excess charge. My understanding is that only .3%, a third of a percent, charge the excess charge. So if you purchase Plan G you are paying for something you do not need coverage for, the excess charges. (Incidentally, the commissions paid to the insurance agent are higher for Plan G than for Plan N, so there could be a conflict of interest there.)

[@MedicareSchool]

While you are correct, it's important that we inform everyone of what that coverage includes. Yes it's rare in the states that it is allowed. Everyone should clearly understand that rare occasion could happen if they are not aware of what questions to ask when being seen by providers that do charge that charge. That is why we provide all information and try to be as transparent as possible.

[@leeatomassoni3901]

👏👏👏

[@jpny4750]

The light color used for the dollar amounts in the chart makes the numbers invisible to people with col9r vision problems. Please use different colors in the future. Darker.

[@MedicareSchool]

We're sorry about that, we will keep that in mind.

[@lisaveta8565]

I count how much we pay for husband’s plan N and how much plan paid this year. We paid for N $1100 for 12 month and plan paid for us already for 7 month $2275

[@jerihillken]

Your assumption about Excess Charges appears to be unrealistic. Avoiding Excess Charges is not difficult to avoid.

[@Spam_Unlikely]

We spend Trillions on healthcare and still have lower life expectancy in America than most wealthy countries that have socialized health care….

[@Messymy]

Have heard with so many getting plan g, the premiums are likely to skyrocket over time. Much f😂aster than n plan.