Top 3 Tips to Avoid Medigap Buying Mistakes

[@Remedigap]

Don’t miss out on the #1 FREE Medicare course! Join the thousands mastering Medicare & take control of your health coverage here - www.remedigap.com/medicare-ecourse/

[@angelvamful]

Thank you so much! I am a new agent that trying to get educated with different instructors and you're definitely a great one. The more I Learn the better services I can provide to the client.

[@Remedigap]

Hi Ramona...thank you for the kind words. I'm so glad this video is helping you to grow your knowledge of this business. You're definitely on the right track with the mindset of providing the best service possible for your clients. Best of luck to you! 😀

[@smoke1830]

Do not buy the Medigap crap.

[@yescandles]

I think it is more than that. Emils provide a written record of what was said. Telephone calls do not.Only Shysters will not email.

[@gailcole9913]

Joanne, is very helpful, informed, and honest! I recommend her!

[@Remedigap]

Gail, thank you for the kind words. It's a pleasure working with you.🤗

[@9929kingfish]

Gail Cole gorgeous too.

[@pamelahenkel4407]

Medigap is the way to go! You'll be sorry if you choose to sign up with a advantage plan.

[@erinpeacexo1854]

Very good advice. I've been doing some research on my own and found your video. Thanks for posting.

[@Remedigap]

Glad it was helpful! Thanks for watching!

[@jeromepatel5314]

Very valuable information on a complex subject.

[@Remedigap]

Glad it was helpful!

[@mijuajua4820]

Thank you for this information! I am just getting into Medigap suppliment sales and appreciate this info!

[@popsoggy]

so very glad we found you we still have medicare and the supplement is perfect.thank you so very very much

[@Remedigap]

I'm so happy that you found me too! I look forward to working with you for many years to come. :-)

[@mstripling86]

as a broker myself, a few things i tell customers to look out for when they speak to an agent: 1) ask the agent up front which carriers they represent - if they hem and haw or dance around the question, just hang up on them. an honest broker will tell you up front what products they have to offer. 2) ask them if they sell medigap AND advantage plans both - some agents only offer one or the other. If you're looking for an advantage, or a supplement or aren't sure what you need, this way you know up front the agent's potential biases. and 3) if you plan on still shopping around even after talking to the agent, just let the agent know up front that they shouldn't waste too much of their time and this way they will be brief, to the point and not get all butt hurt at the end of the call when you don't enroll with them.

[@GoKingdomFirst]

You are funny, enjoyable, honest and really nice. I'm an agent too, and I really enjoyed your video. Best wishes to you and yours. Mitch

[@Remedigap]

Hi Mitch...thank you for the kind words. I appreciate you taking the time to watch my video. Best wishes to you as well.

[@alicefuscophd4757]

I love your demeanor. Thank you!

[@Remedigap]

Hi Alice...thank you for your kind words. I appreciate you taking the time to watch. 😊

[@charlynewilliams7184]

Thank you for your professionalism and information.

[@Remedigap]

It's my pleasure! Thank you for watching. 👍

[@jamescalifornia2964]

Good information . Thanks 👌 _( this woman is nice to look at 💕 )_

[@thomaschadwick4699]

Another very informative video. Just following your advice makes a Medigap purchase easier and stress free.

[@Remedigap]

Mr. Chadwick, thank you for the nice compliment. I'm so glad you find my information helpful.

[@residentzombie]

I hope your Medigap agent told you about the problems with hospitals admitting people into 'observation' status as outpatient and thus not qualifying for Medicare's skilled nursing coverage. Medicare requires 3 midnights as inpatient in order to qualify for skilled nursing coverage and due to Obamacare laws, hospitals are being forced to admit less patients into inpatient and more into outpatient observation. Most Medicare Advantage plans waive this requirement of 3 midnights to qualify for skilled nursing coverage whereas Medicare would deny coverage if that requirement is not met meaning you privately pay for your $400 to $500 per day skilled nursing care. There are many small problems with Medicare coverage that Medicare Advantage carriers fix on their own and this 3 midnight rule is one of them.

[@HungNguyen-se8dn]

How good is the BCBS Medicare Andvantage plan? Please advise. Thanks

[@RevdDanaCraftGuatemala]

Thanks for the informative video. Feeling so lost in the process, your advice arrived at the perfect time. Question; for someone under 65 and disabled, can you recommend a medigap plan? Not sure if I should be looking for "G, F or N?" I already have "A" & "B." Thanks!

[@Remedigap]

Hi Dana...Thanks for taking the time to watch my video and for reaching out with your question. The availability of Medigap Plans for under age 65 is different in every state. And, if insurance companies offer plans, they're often very expensive. Please feel free to email me your location and I'll see what's available. [e-mail]

[@burtholcomb9220]

What about sitting down with an insurance broker to try and get the best deal on a Medigap plan?

[@douglasharp2278]

JoAnn are you licensed to sell supplement policies in Kentucky?

[@Remedigap]

Hi Mr. Harp! Yes. I have a non-resident license to sell Medicare Supplement plans in Kentucky. You can reach me via email at [e-mail] or by phone at 888-411-1329. Thank you for your inquiry.

[@lynnciavarini1052]

What if you are still working and have, no plans to retire at least for a year, and have excellent and very reasonable health insurance with your employer? Is Medicare B enough to cover the co-pays that I pay out of pocket now?

[@Remedigap]

Hi Lynn...if you are still working and your employer has more than 20 employees, then you don't need to add Part B coverage until you're ready to drop employer coverage. And, you won't incur a late enrollment penalty as long as you've continued working and maintaining employer health coverage. However, if you decide to enroll in Medicare while maintaining employer coverage, then Part B pays based on what the group health plan paid/allowed and what the provider charged. In some cases, you may pay whatever costs Medicare or the group plan doesn't cover. If you'd like to discuss your situation further, please feel free to reach out: [e-mail] or 888-411-1329.

[@jclark9176]

Your video is informative. I had determined that I want the original medicare then adding a supplement. I see the attraction for Med.Adv as well, so roughly I have completed the app for Medicare Parts A & B and have no idea which supplement plan is best for me. Here is my profile...I am in good health with no conditions other than being on Atorvastatin for stubborn cholesterol. I am not on any other medication and haven't been for a greater part of my 64 years...no high blood pressure, no diabetes, no heart issues. I exercise, keep my weight in check and get an annual physical, annual eye exam, and teeth cleaning every 6 months. What plan(s), with this information, should I probably consider?

[@Remedigap]

Thank you for reaching out. Since you are applying for Part B, you can use your Medigap Open Enrollment Period to purchase a Medigap Plan without answering health questions. As for drug coverage, a low priced Part D plan will work well for you since you have one low tiered medication. I'm happy to send you information on the Medigap plans available in your area if you like. At your convenience, please feel free to reach out to me via email at [e-mail] or 888-411-1329.

[@debracruse6954]

Great information....great delivery...I have more questions..

[@Remedigap]

Hi Debra...thank you for reaching out to me via email. I hope the information I provided was helpful.

[@lazykat4033]

Great video. 3:48 How do you know when a company will raise the rates and how do I find this information? Are the rates raised once a year? If I have a Medigap plan, will my rates increase at anniversary date or at the time the company raises the rates? I also saw a comment below about the donut hole. Do you have a video on it? Thanks in advance.

[@Remedigap]

Hi there! Most insurance companies raise rates on the anniversary date of your policy. You will receive a letter from the insurance company at least 30 days before your premium changes. If you have an insurance agent that sold you the policy, you can contact him/her to see if there are any upcoming increases slated for your plan. As for the Donut Hole, I don't have a video specific to that topic, but if you have concerns about your situation, feel free to send me an email. [e-mail]

[@dar322sk]

I enjoyed this video and as you mentioned in the video, some people prefer to first communicate to an agent by email. I'm such a person. I went to your web site and did not see that option to ask questions --- only to get quotes. Is this option not available , or did I just miss it? I do not want to ask my questions on this youtube site as they would not be questions for the rest of the world to see.

[@Remedigap]

Thank you for reaching out. My apologies for not having easy access to email through my website. [e-mail]

[@dar322sk]

Thanks.

[@JayTomasetti]

Thank you for sharing! I have 13 to 25 callers a day. I just got rid of them all from last enrollment period. I have not spoken to anyone besides Medicare rep who is not able to help and I understand why. This is so awful! We all want what is best for our own selves but these people are like pirates wanting for their own selves. So who do you trust? Like most, I do not have all this time to figure these plans out. It sickens me that this is where we are in society not being able to trust anybody for the most part. Always a scam! All about money and greed! What a shame this country is in. Terrible that are agents themselves on here who have to come to You Tube to get educated. Also I take it you get paid too for having people respond to this video. This is how you make your money right? I would call you in a min if I didn't think possibly this was another scam. Also I don't trust the FREE consultation as how many times has this been used? I would really like a Free Consultation and I would pay for a consultation if I could trust that the information was in my favor and not the benefit of these plan people who are a dime a dozen. Its all about trust so the question is Who?

[@andrewkorn3954]

Meet in person with an agent and look them in the eye (If ) they are good they will be able to keep things understandable . If they tell you " you don need a supplement , keep your money in your pocket and get an advantage plan " you will know not to trust them and close (slam)the door behind them . Im an agent and even though i know the big secret ..( medicare advantage pay alot more to agent than medigap ) I always recommend when first eligible ( IF ) you can afford supplement premium grab one with low rate increases .Big Company like UHC is best bet ( If you cant afford medigap premium its medicare advantage plan shopping time Does it imply trust to you that I recommend a plan I know will pay me less ?

[@ashleywood6674]

It's very hard to hear your wonderful videos .You are doing a great job

[@Remedigap]

I appreciate the feedback. 😊

[@AlvaSudden]

This was great----and FUNNY. "You can choose compassion, understanding, and patience. Now I know that seems odd....." I laughed the most at that.

[@Remedigap]

Thanks for watching, Carmen. I'm glad you enjoyed the video.

[@sharongodbee2270]

How do I find an agent in my area to help me enroll in a Medigap plan.? Your video was excellent. The sound was excellent.

[@Remedigap]

Hi Sharon...thank you for reaching out. Do you want to find an agent to meet with you in person?

[@shellanon4212]

Yes

[@markcanfield7598]

Call several independent insurance brokers. They aren’t affiliated with a particular insurance company. First, research several plans you want to receive quotes from these brokers on. Their features and benefits are easy to look up online. All Medigap plans offered through all insurance companies are the same, only the premiums vary. My suggestions would be Plan F (no longer available to those who turned 65 after 2020) so that’s out for most, Plan G, Plan G-HD, and Plan N

[@oqhall]

I only got medicare part b since April 2018. Still don't know what to do next and other requirements. Can I buy medigap plans, can you help me on this? I'm really at a lost for we just migrated here in the US in 2012 and knows nothing about medicare and its governing rules.

[@Remedigap]

Hi Omar Hall...I'm happy to review your situation. Please feel free to contact me at your convenience. 888-411-1329 or email at [e-mail]

[@robertl.fallin7062]

Can you turn up the sound?

[@alvinstevens2604]

How do I get the best part D plan

[@Remedigap]

You want to find the Part D plan that works best with your medications. Here's a link to my video on how to find the best Part D plan. kzbin.info/www/bejne/nIuVc4eahMmWl5Y

[@gracelucena1964]

I just viewed your video and I think it will help me a lot in shopping for my health insurance. My medicaid will terminate on April 30, 2019 and I want to know which health insurance will I get. Can you give me an advice about it? I have no medeicare insurance . Im just starting to have one.

[@Remedigap]

Hi Grace...I'm happy to guide you through the process. Since your situation is unique, it's best to have a conversation about your options. If you're comfortable with it, please feel free to call M-F at 888-411-1329 between 9:00 AM and 6:00 PM eastern time. -- Kind Regards, Joann

[@phincado]

Thanks for the information, does medigap plans is nationwide including Puerto Rico? Do you have any videos in spanish?

[@Remedigap]

Medigap plans are available in Puerto Rico. I'm sorry. I don't have any videos in Spanish.

[@patleffler8198]

REMEDIGAP

[@jeoosborne]

I enrolled in Medicare in March 2016. I currently have a medicare supplemental policy since the open enrollment time is now until Dec 7 does this mean that if I decide in March that I want to compare policies can I still do that or is this time frame the only time that I have to look at other options for my medicare supplemental and prescription coverage?

[@Remedigap]

Hi Joan, the Annual Election Period (Oct 15 - Dec 7) pertains to Part D (drug plans) and Medicare Advantage Plans. Medigap (Medicare Supplement) plans are available year round. So, you can look at other Medigap options any time.

[@MrAeronca100]

Yes the "Phone" is a sales tactic that sales people of any type will never give up, I never do any business over the phone period!

[@Ke-qv3md]

If you just started Medicare can you change plans. I started with BCBS plan G, then got info from another company UHC plan G. Then got a phone call from an agent that Mutual of Omaha plan N would be best. Can I change back to my original agent and keep Mutual if Omaha plan G

[@Remedigap]

If you are still in your Medigap Open Enrollment Period (expires 6 months from your Part B start date), then you can change Medigap plans as many times as you like.

[@Ke-qv3md]

I just changed mine for the third time. Finally went with G MOO

[@paridowlatdad4893]

I am so scared how to apply .when I check internet to find better plan Suddenly my phone start ringing. I am living in Montgomery county MD . Please give me a name of good agent to trust and enroll for 2023.

[@alvinstevens2604]

Do you know of any drug plans

[@Remedigap]

I use Medicare's Plan Finder Tool to find Part D drug plans. Here's a tutorial on how to use the online tool. kzbin.info/www/bejne/nIuVc4eahMmWl5Y

[@Miguel195211]

Why would anyone pay more for a supplemental when the plans are regulated by the Medicare? For instance, I am paying $70.95 a month in Florida for Plan F High Deductible (the HD is $2240). Why pay higher premiums per month when the plans are regulated by Medicare?

[@Remedigap]

Thanks for sharing your experience with Medicare Supplement insurance. For many people, price isn't the only factor when determining coverage. The name of the company, rate increase history, and projected age increases play a part in the decision making. The choice isn't always easy; and, everyone's situation is different. There are people who start Medicare with pre-exisiting conditions and stress about choosing the right plan/company knowing they may be with that plan long term.

[@johnscott2746]

Medicare is already insurance. So, you are buying insurance on insurance. The average retiree is hospitalized 4 times over a 20-30 year period. You will never recoup the money you pay in premiums for a supplement policy. Your health would have to be horrendous to even come close to being justifiable financially.

[@pattidupont2343]

Very informative, thank you! I need to talk to you!

[@Remedigap]

Hi Patti...thanks for watching! I'd love to speak with you. Feel free to call me. I'm in the office Monday - Friday 888-411-1329 or you can email me 24/7 at [e-mail]

[@vicentedomingo4068]

Great information and teacheable, I passed my health insurance exam and I am looking for company to work for. Are you hiring in Broward county Florida.? Thank you. Best regards.

[@michaelfishkin5189]

Hey I’m in Jax, Fl, and interested in selling Medicare Supplements. Is their an opportunity here?

[@donb1183]

Tip #1 was not to enter your information online and click submit. But if you go to her website you are asked to enter your info and click submit!

[@Remedigap]

Actually, the first tip is not to press the "enroll now" button. 😊

[@donb1183]

@@Remedigap same thing

[@Remedigap]

Do you have any tips on how to avoid Medigap buying mistakes?

[@InternalGarden]

Dear lord I waited to long and need to get medicare Insurance. I had medi advantage and it’s really bad, I have medical bills coming in from all over. Now im on Utube trying to figure out what to do. I wanted a insurance agent from AARP to come explain it to me. They told me yesterday they were to busy now that I waited to long for any1 to come out. Their too busy ah!!!

[@jamescalifornia2964]

AARP is awful ...

[@WoodedAcres]

@@jamescalifornia2964 Not sure if you guys even have Medicare. I have Part K through AARP and have no issues. Now, I'm not saying that AARP is the greatest, but they are definitely NOT awful which brings me to.........James.........why is AARP awful in regards to Medigap specifically? I won't hold my breath.

[@jamesebola1250]

What I hate the most while looking for quotes is filling required information, going through multiple screens, only to be given a call back number, and no quote. Bait and switch...

[@Remedigap]

Hi James...yes, it can be frustrating. I also don't like going through quoting tools that are set up to retrieve your information and give you nothing in return. If you still need quotes, feel free to complete our simple request form (no phone number required), and we'll email you personalized quotes. www.remedigap.com/medigap-quote/

[@robertl.fallin7062]

@@Remedigap AND HOW MANY FOLLOW-UP CALLS WILL HE GET AFTER 8PM?

[@Remedigap]

@@robertl.fallin7062 zero from me.

[@joannhubert-olson4768]

I am age 72 and just have original Medicare. My question is would I be able to purchase Medigap insurance?

[@Remedigap]

Hi Joann...thank you for reaching out with your question. You can purchase a Medigap plan at any time. However, if you've had Medicare Part B for more than 6 months, you have to medically qualify for a Medigap plan (in most states). I can review your situation if you like. My phone number is 888-411-1329 or you can email me at [e-mail]

[@shellanon4212]

I tried to get it. They wanted all my info via phone. I said no, send me a written copy of the policy and a form. He refused. And he had me answer a hr .HR. Of ills list! He did give me his lic.#. I ck.d and he is an agent. But they never contacted me .

[@mikeespo7728]

"It your money not theirs" ... How adorable

[@MBihon2000]

Your audio should be adjusted. Way too low volume.

[@Remedigap]

Hi Mikey...I'm sorry the volume is too low. Making videos is definitely a learning process. Thanks for your input.

[@MBihon2000]

The sound volume is even lower.

[@Remedigap]

Mikey, if the volume is too low using the control within KZbin, please increase the volume on your computer. This works very well on my end.

[@delhunt9450]

In 2008 I purchased United Health Care Med-gap ins. No one explained the donut hole, now 11 years later, I'm in the donut hole I have only Plan A and B from Medicare, and as I'm older my medications have sky rocketed. I cannot afford $741.62 and $475.92 for my meds. I need help. I understand I can apply for plan D in October 2019. How do I get out of the donut hole and what do you recommend, Seniors really get railroaded when we get older.

[@Remedigap]

The Donut Hole can be a challenge. I'm sorry to hear about your situation. The only way to get out of the Donut Hole is for you and the drug manufacturer to meet your required costs. My recommendation is to call your pharmacy or drug plan and ask them how close you are to getting out of the Donut Hole.

[@beverleyhagaman7344]

Can't hear a thing, very low volume.

[@vintagedoll59]

information on which states are not allowed to bill for excess charges. This information is not really available , you have to look for it. !!!!!!!Thank You

[@victorjdiprisco3094]

to low volume

[@tjon66]

Nice quiet video. Can't hear the soft talk!

[@ppumpkin3282]

First lesson in selling to seniors: turn up the volume.

[@Remedigap]

Thanks for your feedback. I understand the sound on this video can be an issue on some devices. I apologize for that, but I'll always do my best to provide valuable information.

[@clons3253]

I want to say as a medigap seller your last point is so wrong. I have conversations everyday with people. Asking them about what is important and to talk about the differences in the medigap policies. You aren't the only one for people to speak with. You can't email a conversation there is no relationship building with that.

[@Remedigap]

Thanks for your feedback. I also speak with people everyday about Medicare. Sometimes, however, email is the first point of contact and more comfortable for people. It allows them to ask questions without feeling pressured to buy...what's wrong with that? By answering questions, we have a conversation via email and a relationship begins to build. It works. You should try it. 💯

[@kulanchandrasekaran4462]

Carrie Lonsdale Joann Quinn is right, and thousands of customers will agree with her. Simple questions should be answered by email. Insisting on a telephone call for every little detail does not build a relationship. It only builds frustration. Any honest agent should be prepared to give an answer in writing, by mail or by e-mail, if that’s what the customer wants. It’s a simple matter of customer preference. If that preference is not respected, how can any decent relationship be built?

[@shellanon4212]

Wgatbubwant is a chance to hardsell. Who u kidding?

[@susanpomerantz5823]

V