Turning 65? You need Medicare here’s what you need to know. 

www.buymeacoff...
amzn.to/3NBqNBT

[@cherieparsons2982]

Thank you. I am a newer viewer, and am already 62. I never thought about collecting SS prior to retirement, until seeing your videos. Thank you for insight. I am a single mom, who struggles, living on 25 K annually. So I thought I had to work until I died. Bit, if I cut back a little on my regular job, I could collect SS, and get caught-up before I retire! Thank you!

[@virginiahilman7786]

I read an article about aging in other countries where people live to over one hundred. the one thing they all have in common is they don’t go doctors . I am a nurse in long term care and the amount of medication we give these poor trusting souls is a disgrace.

[@shugh4748]

Yes exactly….I totally agree…dr’s make commission on drugs they prescribe….it’s all a money game…and insurance companies offering these supplemental insurance programs are scammers also…they use the scare tactic…the what if you get cancer, heart attack, etc….but what if you don’t…..more likely to happen!…..

[@ChrystalClear]

Hi Tim, I just stumbled upon your channel tonight, and I am turning 65 in November. I’m also being inundated with calls and mail, so I enjoy your video, but also everyone’s comments. I’ve learned so much. Thanks everyone.

[@scdbrown]

I just turned 65 and I went with a supplement plan..mostly because if my doctor advised a certain procedure for me, I didn’t want some insurance goob in a cubicle somewhere making decisions on my healthcare. With the advantage plans, everything has to have pre approval..another reason is once you are on a supplement, you can’t be kicked out for any reason..nice video, thanks

[@gsp49]

Consumer advocate Clark Howard of WSB radio Atlanta warns against falling prey to the advantage plans.

[@gsp49]

@@cag19549 he said all of the ones advertised as to your Advantage were actually to your disadvantage. I have zero expense and paying nothing.

[@markflippin8563]

Thanks!

[@josephinearriaga7028]

Very informative. Thank you❤

[@elgallito8252]

Tim, you have no idea how many videos I have watched about the Medicare subject; you are the only one, so far, that has explained easily and is understandable.

[@CaptainCurt07]

*Good video!*

[@JoyVillecco]

Tim, I’m 55 & the thought of trying to navigate through Medicare in a few years seemed completely overwhelming. Thank you for explaining it as simply as you did, 👏🏻 it makes me feel like it won’t be as overwhelming as originally anticipated! Great videos 😊 & Best wishes, Joy. S.I. N.Y

[@tabbennett4254]

Lucky for all of us this corrupt medical mafia is Very Soon coming to an end. Frequency healing (med beds) are being revealed soon. Cures for all diseases are out there just being suppressed by Big Med!

[@mikewilloughby1119]

I have the g plan costs me a extra $120 a month. All my expense is the yearly Medicare deductible of $215 a year I believe. If I have a $500,000 surgery I walk out with zero expense. I live in Tennessee. A great feeling of financial security for sure!! Mike from Tennessee! Great video!!

[@bradleywestpheling4491]

Just came across your channel this morning and watched several of your videos. It's really nice to see you putting out relevant information on a frequent basis and doing it with such a positive attitude. I'm 59 and contemplating retirement, part time work, selling my house, and do some things I haven't allowed myself the time to do. Seeing you do it is encouraging. Keep up the good work, good attitude, and keep crushing it! Best of luck to you.

[@wjksea]

The promotion of Medicare “advantage” needs to be something every individual carefully scrutinizes. There is a tremendous amount of nefarious marketing around a privatized product that’s akin to catching an incurable virus.

[@LIFE_is_G20OD]

I recently found your channel and I'm enjoying it very much. You would be excellent at selling the Medicare plans. My friend worked from home very part time and earned residual income from the policies she sold. She did very well here in Ohio. She was signed on with a company that fed her leads and made sure she was in state compliance with licensures etc. I speak of her in past tense because she has passed on. You're in FL for God's sake! Look into it! You have a wonderful way of explaining things in simple terms that folks need. You would CRUSH it!!

[@bigsonslawncare]

Your reap what you sow, Room will be made for your gift! Keep posting we'll keep listening and learning. I just turned 62 and I'm going through a lot of what you're experiencing and doing. Thank God for reasonable portion of good health💯💪🏾

[@deewhiffen]

I just found your channel yesterday, I'm 60 and really appreciate your insight, thank you. Also I'm from south FL and I'm enjoying seeing my old stomping ground ❤

[@intrepidz1981]

Stay with standard Medicare if you don't want to be screwed over by the for profit insurance companies. Just pay for the standard Medicare 80% - 20% plan, then buy a supplemental insurance plan to cover the 20% Medicare doesn't cover. For profit insurance companies can simply deny services you may need. They are trying to make the MOST profit for the shareholders. Every one of you guys on an HMO plan should already know how this works.

[@michaelf6705]

If an ex football player, or washed up actors promoting it, good reason to run away, I went with the plan G, that way its covered no suprises.

[@mimi1o8]

Exactly, that’s what I did , original Medicare plus the supplement. Medicare Advantage, shouldn’t be call Medicare in the first place.Medicare Advantage has an out of pocket that can be very high, it’s not free.

[@desireerailine8220]

You are exactly right. I've been in healthcare for 35+ years and had gotten my license a few years ago to sell Medicare Advantage and Supplemental plans. Your best bet is regular Medicare with a supplemental plan.

[@SarasotaTim]

For people that think they’re going to be sick and they can afford to pay an additional $200-$250 a month out of their Social Security. 😎

[@todddunn945]

@@SarasotaTim the key is "If you can afford $200-$250 a month for the supplement). If you have a couple of thousand in savings, you might consider a G high deductible plan ($50-$60/mo where you are) or an N plan (has small copays) for $125-$150/mo. If you can't afford either of those options then Medicare Advantage is your only decent option, but do try to put at least your plans annual maximum out of pocket in the bank just in case. Don't touch that money unless you have a big medical bill.

[@michaelrice1373]

Great video channel host! So many complicate the Medicare decision. Oh,& amazing scenery. Yeah, that's the plan I went with, up here TN.. Believe it makin' smart choice Tim; probly best coverage I've ever had- take care , M.

[@blueskies00]

I applaud your intelligence, knowledge, and orator skills. I'm just baffled when you said that you have to work to make ends meet. I would have never guessed. Myself on the other hand, am very grateful I don't have to work and have ample money through Real Estate and Stock Investments which I did on my own. I've never been married. If one met me they would never guess as Im lacking in so many areas. Im not intellegent. never did well in school., very friendly but not a partier. Thank you for the great videos. Hoping you and your fellow listeners are happy and financially stable.

[@roberts.1400]

@ Debbie W. - The way you describe yourself kinda reminds me of well me... 😹 I've done somewhat well financially even though I suffer from not being super smart or ambitious .. I think I've made common sense decisions and followed a focused way of working & saving ... 🌵

[@bruno2235]

You were intelligent enough not to get married!! You'd be surprised how much money that has saved you over the years.🙃

[@JustJojo111]

I’m not quite there yet, at nearly 57, but this was a great video to find! I’ve been doing my research lately lol. Thanks for the info!

[@lancephinney5538]

Advantage plans are great as long as your healthy, it's pay as you go and if you get sick just try to switch back to a G or N plan because your paying 7500 to 10 grand a year out of pocket on an advantage plan.

[@vistamutual]

Great insights!

[@shannonrunyon789]

That’s my birthday too! Not 65 though. I subscribed because you’re a realist and tell it like it is and I find that refreshing these days and a comfort to know I’m not alone in my thinking.

[@pickmeaname]

The Advantage plans are HMO with costs controlled by for profit insurance companies. Also, out of pocket expenses are much higher.

[@arribaficationwineho32]

Avoid advantage.

[@michaelsnively3621]

Generally yes, the boats supply the gear, bait, and deck hands to help with bait and fish removal. It's fun and relatively inexpensive. I've been out of clearwater and it used to be $55 for a half day. That's less than half a tank of gas at this point.

[@vincentjames1643]

Good job on the video! You did your homework. Just one caveat if you take an advantage plan over original Medicare with the supplement and are on it more than one year you have to get medical underwriting to return to Medicare with supplement if you want to change back if you take the supplement Plan with the original Medicare first you can still apply for the advantage plan and be accepted as to my understanding.

[@Mrpegs1]

Tim your subscribers are growing daily with your new found niche well done, very eclectic topics....

[@SarasotaTim]

Hi Mrpegs, yes I think I found it and I enjoy it. 😎

[@rickheaberlin6065]

Hi Tim !! I'm 55 and thinking about a early out. Trying to learn all I can to make a proper informed decision about it.. LOVE your channel!! Keep'em coming!!!

[@teresaharris-travelbybooks5564]

Thanks for the outdoor views. Plan G does not include vision and dental, but it is a good plan. I would not recommend an Advantage plan. I understand that you are just giving your opinion and your viewers need to understand that.

[@philwilson8617]

Great explanation. I'm 59- planning to retire at 62, with the option to keep my employer's insurance until I'm 67, so I think about what's next. You did a good job on this.

[@rdmineer1]

You're not just some wealthy accountant calculating the pros and cons of filing for SS at 62 vs 66-10. You are living it.

[@erlindaventocilla2782]

Advantage plan is limiting you to your physical therapy if you need any, even when doctor prescribed it. You have to wait and will delay your physical therapy. Also it will limit your visit when doctors prescribe let say 12, the advantage plan 😢will limit you to seven visit plus you have wait for approval. I don’t like it. I wish get plan g next year.

[@susanbaker9315]

Your channel is so refreshing☺️. Helpful and hopeful

[@tubevision111]

Just found you really like the talks, thanks for the info.

[@tomsherwood4650]

I took a substantial cut in SS to pay excessive part B premium because a couple years ago I took some IRA distribution. That was two years ago but my medicare didn't start till this year and my income is pretty modest. Beware they are always looking for an angle to stick it to you.

[@mattrichardson7882]

Tim great video...did you see the medicare school video..advantage vs supplement..a few points that you didn't cover but are crucial in the difference..👍

[@Liz-gn5us]

Happy. Belated birthday 🎉🎂🎊💫🥂🌹✨🥰🙋‍♀️🌟🥳❤❤❤warmly Liz

[@rickinnepa9008]

Good morning from Northeast PA. Just tuned into your channel a couple of days ago. I'm close to retirement. Our country is such a train wreck right now.

[@rebeccabamford5505]

I’m about 50 miles from Pittsburgh PA, and I agree with you. Our country is so bad, I’m not sure how we’re getting out of this mess.

[@tabbennett4254]

Hey Tim, really enjoying your channel talks! Lived in SRQ for 12 yrs, now in AZ. Miss the Sunshine State, especially the fishing. It’s just getting too crowded to fully enjoy. Keep showing the beautiful scenery and YOU can endure the traffic!

[@SarasotaTim]

Yeah the grass always looks greener. 😎

[@vincentslusser9205]

Great video. Appreciate the scenery.

[@junglelee1765]

Thank you for showing us sceneries from Florida paradise.

[@ginon.7329]

Love that you're bringing us some morning sunshine. Ya...the economy is a mess and we're all pinching pennies. We have to in order to make ends meet. Yes, health care cost could break someone in no time. I personally feel that the more medical coverage you have the better.

[@kellytrondson5115]

Great information !!!!!!

[@kimberly-ek8ii]

Good morning from az I just found your channel and love to listen to you and watch , yes it’s very hard to live on ss , I love and miss the ocean so beautiful I am from Oregon got to go to beach every weekend anyway god bless you Tim keep up good work

[@christinemcglade6529]

So informative Tim. Thank you!

[@Kimberly-yx3gn]

Hi Tim. I'm in the same boat. Next month I go into the social security office to sign up for Medicare. I currently have Tricare through my husband's military retirement, so that will become my supplement instead of my primary as it is now. It's really a crazy road to navigate. Thank you for your videos.

[@fadedglory1045]

That’s what I have. I wondered how that figured into it .. good to know.

[@rebeccabamford5505]

My mom has tricare from my dad’s military ( he’s passed now) but she’s 86, pretty healthy and the times she’s needed it tricare has been really helpful for her.

[@fabiofagundes1734]

In your opinion?? They have been saying forever that SS will end one day. I don't believe it at all. Let's just say if it did. What happens next. Will they return all the funds given to the government for SS to the people. People been paying in for 40 years then get nothing makes no since. They would have to give people their money back I would think. What's your opinion??? Make a video on this !! 👍🏽

[@lonewolf1401]

Thank you for your video fantastic I would love nothing more than to live in Florida being a minimalist but I'm up here in Michigan LOL keep up the good work I like your videos

[@holisticgeek]

I take care of my mom who has heart failure, and we live in a county in Missouri that has just 2 clinics for primary care but we live 6 miles from the Iowa border. It's so valuable for us to be able to cross the border to go to a more reputable clinic and not have to wait 6 weeks to see her PCP in this county due to a shortage of doctors. Her chiropractor is 12 miles away in Iowa, and she can see any specialist that has better care in Iowa the same distance as the nearest town within her "netowork" if she were in the advantage plan. Plus, for any catastrophic events or even broken arms, etc, all of our family resides in Iowa and not this 6 mile sliver of Missouri that an advantage plan would restrict us to. The nearest large hospital to us in Missouri is 75 miles SOUTH of us in Columbia, MO - even farther away from family. Advantage plans work well if you have a lot of choices in your area, but in a more "medical desert" in a rural area or on a state border, they might not make sense.

[@nortonnewmann3711]

If you go with Medicare "Disadvantage" you're screwed. When you get older and health fails - then get denied by insurance, you CANNOT go back to Medicare!! My wife & I went with plan G... we travel and can go to ANY doctor... and it's 100% covered. Yes, it's more expensive and there's a deductible... but if you were to get cancer or catastrophic expensive illness... you won't be denied... and you'll still pay the same amount. The insurance industry bribes politicians to not allow affordable public healthcare... like 99% of the rest of the world. That's why it's SO frickin expensive!!

[@jakckt]

True, so why do so many idiots in America keep voting for those corrupt politicians?

[@Floridabruce1960]

Great channel. Just found it yesterday and have watched several videos. I retired at 62 with basically no money in savings. On the upside, right now, I still have 3 minor children and a wife who cares for them in our home. My wife and 3 daughters also get monthly money from Social Security. We receive just over $3,100 monthly and we have a bit of a side hustle but are careful to stay under the annual limit of income. Our family is currently enrolled in the affordable care act and pay no monthly premium here in Florida. Doc visits and prescriptions are nominal. I dread decisions about healthcare at 65. Maybe the Lord will return before that! 😊

[@dawn2508]

How does everybody in the family get monthly money from social security?

[@todddunn945]

The Medicare Part B premium is $164.90 in 2023. A couple of things about Medicare Advantage (MA) plans. First, they are not all zero premium. There are two basic types of MA plans - HMO plans and PPO plans. Both PPO plans have copays and what are called out of pocket maximums (a limit on total out of pocket expenses each year). The out of pocket maximum for an HMO plan can be up to $8,300 in 2023. PPO plans have the same out of pocket maximum for in network costs but can be higher for out of network costs. Note that plans can have lower out of pocket maximums. Also be aware that the out of pocket maximum for a plan does NOT include copays for drugs from the included Part D drug plan. I would recommend that you have at least one or preferably two years of your plan's out of pocket maximum in savings just in case. Both have networks, but HMO plans give you ZERO coverage outside your network with the exception of emergency treatment. PPO plans allow you to go outside your network, but the costs to you are higher both in copays and out of pocket maximums. In addition to having networks, MA plans ALWAYS require plan approval before you get expensive services or procedures. In summary, if you are healthy and don't go to doctors much or at all a Medicare Advantage HMO plan will only cost you the Medicare Part B premium, but if your health deteriorates you can end up with thousands of dollars in copays every year. Before you commit to an MA plan be sure to check out what the copays are for various services. Supplemental plans do NOT include eye exams for glasses or any dental or hearing coverage other than what is medically necessary. There are about 9-10 different supplement plans that provide different coverage. $200 is going to be near the top of what you will pay for a supplement. If you go the Medicare Advantage route in most cases if you decide to go back to original Medicare you can not get a supplement plan without going through health underwriting and potentially paying much higher premiums. If you have any health problems you will likely not be able to get a supplement plan at all. Finally, if you go with original Medicare only (no supplement plan) you are responsible for paying the 20% that Medicare doesn't pay. However, you are responsible for 20% of the Medicare approved charge not what the doctor/hospital charges. For example, I just had a prostate biopsy. It was billed at $7,900, but because the Medicare approved amount was much less than that my total responsibility was $475, not 20% of $7,900). Before I went on medicare my lifetime medical bills were about $300. Since going on Medicare my health has deteriorated and I have had more than half a million in medical bills. I am very glad I have an F supplement (not available to you young guys) that covers 100% of what Medicare doesn't pay. No copays, no deductible, nothing.

[@todddunn945]

@@doninmichigan So you must be low enough income to qualify for Medicaid in Michigan. Those plans are great for low income people since they provide very good coverage. Where it gets expensive is if you have just a bit too much income to qualify for that kind of program. Then you either somehow manage to pay for a Medicare supplement plan or you go with a Medicare Advantage plan (with all its negatives). I make too much to qualify for plans like Healthy Michigan, so I had to choose between Medicare Advantage and a supplement. I chose the supplement and it has worked out well for me in that what the supplement has paid out so far is more than my premiums will be unless I make it past 95.

[@kolbpilot]

I'm one that just had to get on Medicare. They automatically put you on part A & part B. I cancelled part B, which a person can do, and took the money instead. I look forward to next year's S.S. raise.

[@lisafoote482]

Hi Tim. I'm interested in your discussion about SS and working. I am turning 62 this summer. I am keeping tabs on my investments and forecasted SS income.

[@simplelife3301]

Hi Tim, I just stumbled onto your You Tube channel. You seem to be a straight shooter which I like and subscribed. I also am turning 65 in December, but am still working fulltime. I will sign up for Medicare part A this fall and wait on part B until I retire. We might be in good health today, but we have no idea what might happen in 5 - 10 years from now? Its all about the "what if's". The Advantage Plans seem like a low cost option as long as your remain healthy and stay in Network. Say you have back, neck, or heart problems just to name a few, down the road and may need surgery, are you now dealing with an insurance company instead of a Doctor that is deciding your options and what they will cover? That's where having a supplement part B that you pay monthly for can make sense in the long run. We are all like classic cars with high miles. We try and keep up with the maintenance and hope we have many miles left? At least we have some choices! Keep up the good videos!

[@michaelf6705]

The G plan cost me 178, but im one that has broke too many arms etc in my life, i like the security of good coverage. Id hate at my age to have something serious, and end up losing my house etc.

[@timvincent2069]

Thanks for the solid advice and information. Appreciate that.

[@mdcurtis1968]

Class of 76 here. Just started Medicare this month. I live in Mississippi. I got the plan N medigap. Plan G goes up 10-15% per year. Plan N average is 2-4% per year. That's why I chose plan n over plan g. My policy is $83 per month and my drug plan is $11 per month. Plan G is $122 per month. Advantage looks like a good deal until you look at the out of pocket expenses per year - About 7,700 per year in network and around 11,000 out of network compared to $226 for a plan G medigap plan. Plan N medigap plans has an additional charge of $20 copay for each doctor visit and a $50 copay for emergency room visits. Advantage also takes major health decisions out of your hands. Lets say your Doctor recommends a hip replacement. Your insurance may decide that you need to try physical therapy for a year or two instead of getting a new hip. Your insurance company makes that decision, not you or your Doctor. There's a lot of good info on KZbin, but when it came time to purchase a policy, I went to a local agency that specializes in Medigap and Advantage plans for retirees. I had all my questions written down, and they took their time and explained all my options. This is one of the most important decisions you'll ever make, so take your time and make sure you have all your questions answered. My opinion is that the medigap plans are a much better and less risky plan. But again, that's just my opinion. There's a reason Medicare only allows you to get a medigap plan the first year with no questions asked. Good luck getting a medigap plan after the first year.

[@michaelf6705]

Thats a good one also but you do have dedutibles, so if you dont go to dr often, may be better for them.

[@leisure057blank3]

@@michaelf6705 a whole $226.00 deductible this year. Let’s see $226 or $7.700. Hmmm, which is better, hmmm

[@darlenepaul2918]

@@leisure057blank3 lol...

[@firehawk6911]

I just turned 62 4 months ago and started collecting my Social Security checks and the telemarketers have been calling everyday about Medicare ... I just tell them to call back in 3 years and I'll be sure to hang up on them then also !!!

[@randyjerrett3385]

I’ve been on advantage plan for a year , 👍 been working for me

[@geekbabe100]

I have Medicare A & B plus a supplemental plan & part D but I’m a cancer patient so an Advantage plan won’t work for me

[@joycej3431]

You should take the Part D (drug plan) even if you're not on any prescriptions now. If you got cancer you wouldn't believe what cancer treatment drugs would cost you.

[@bobjohnson7280]

You'd make a good Salesman for an Advantage plan! It's just that you don't have all the information correct - as Salesmen for Advantage Plans often do not, either. If you trade in your Original Medicare for an Advantage Plan, you not only have to work within a network, but you give them the right to deny coverage if the treatment plan is not profitable for them. With Original Medicare, only your doctor can make that decision. Adding a Supplement (or Medigap Plan) is totally your choice. Supplements do not include Hearing/Dental/Vision coverage under Medicare, but the 20% cost above what Medicare pays is covered. By the way, even Advantage Plans require that the $165/month premium be paid. There will be a time in your life that $400/month will seem cheap. As medical costs rise, that is just reality. Choose wisely. It's hard to switch back if you make a mistake!

[@MrStan0630]

There’s some risks with Medicare Advantage. You can only see a specialist by referral from your primary care doctor. The insurance company may not approve a certain test or procedure that your doctor recommends. If you move, there is a good chance you will need a new plan, and’s you will have to have the new company review your medical records before they accept you.

[@Irishgrl59]

Thanks Tim for the info and tips I just took social security this year working part time don't get Medicare for another year

[@rebeccamichaels340]

Amazing! Thank you very much!!

[@viperviper5]

I am 65 and still work. As I understand it Medicare will not penalize you if you are still working after 65. I do have Medicare A and plan to get Medicare B after I stop working.

[@mrcarlo1966]

Thank you for the info.I’m a few years away but this info is so helpful.

[@jeanjacobs7566]

I have Humana ppo They give you $70 on your social security. Also Wellcare does the same. Advantage plans are for low income.

[@vincentslusser9205]

Great content

[@dougwalk8034]

My wife and I both had Aetna advantage plan and as soon as they found out she needed an expensive back operation, they made up a ridiculous reason why they didn't have to pay, they said she had to go to six weeks of physical therapy first, and the Doctor said it was too dangerous, so we switched to Humana Advantage and she had her operation and they paid, she is now 100% healthy and if we had listened to Aetna, she may have ended up in a wheelchair for life, Humana is definitely the way to go, my copay for a $700,000.00 operation was $300.00, not bad, be careful picking an Advantage plan, we pay nothing extra for it !!

[@jayafow84]

Once you get Medicare you can also get a supplement to cover the 20% Medicare doesn't cover which is what we did. Would never ever get an Advantage plan!

[@arribaficationwineho32]

Agree abt advantage

[@heatherkay1610]

Right. There is a reason why its called Medicare " Advantage". 😂

[@tkwheeler4577]

Thank goodness for our Medicare and supplement plans. My husband was 69 and healthy, suddenly fell ill and had to have emergency surgery for a ruptured colon, 4 days in icu and a colostomy bag. He has had 2 more surgeries. We would be bankrupt if we had to pay those bills. Our Medicare and supplement paid for everything.

[@MommaZim2]

Same here..cancer diagnosis currently in chemo medicare and supplement plan had paid for everything..10 days in the hospital..mri's.. pet scans..1/2 way thru chemo..all paid..no copays..any other route..definitely bankrupt

[@bigjohnson7415]

Who did you use for your Supplemental plan? Got 3 years to go!

[@bunnybubs757]

Can you list what plan (s) supplements you have For those it could help Ty

[@fadedglory1045]

@@MommaZim2what supplements plan? Glad you are receiving what you need.

[@CanesFan65]

READ THE COMMENTS BELOW and DO YOUR OWN RESEARCH On Medicare. DO NOT blindly take advice on medicare without doing THROUGH research and understanding it. Healthcare is COMPLICATED. My mother was on a Healthcare plan (Humana) and MANY nurses I spoke to (In South Florida) advised me at that time to get her back on Medicare. I still to this day have a difficult time understanding it all but I believe the reason to STAY on Medicare is you are not limited to a particular Doctor or which procedures are covered. When you use one of those other plans, you have to stay IN NETWORK and use only certain doctors. In other words....you are LIMITED. For some this may not be a concern. For others it very well could be. When the time comes, I will stay on Medicare and Buy a Supplement to cover the other expenses. NOTHING IS AS IT SEEMS ANYMORE.

[@MommaZim2]

Agree..new to area I live..I wanted the freedom to go for medical services of my choice.. happy I stayed with medicare plus supplement G worked for me..

[@thankswillie]

right more to it than this guy states

[@desireerailine8220]

Take it from someone who has been in healthcare for 35+ plus years, and had a license to sell Medicare plans....Humana is the absolute worst out there! Get her back on regular Medicare and get her a supplemental plan.

[@SarasotaTim]

Hi, NoYo I think I explained exactly what you just said, that if you have the money and you want to buy a supplement plan, you would be very happy with it. It’s the luxury plan but those that need every dollar they got the advantage plan offers more than standard Medicare, and the network is huge. I wouldn’t be concerned about that, especially South Florida Maybe other regions it’s not, but it’s not that complicated you have a choice 1,2, or 3 😎

[@dawn2508]

@@desireerailine8220ike he said “if you can afford it”. I will be turning 65 in a few years and don’t know what to do. Paying almost 400 a month would kill me, couldn’t afford it

[@lydiarosalieanndamiano7206]

Thank you for the information !🙏🇺🇸

[@gregorychalmers2466]

I had been paying 827 dollars a mos for medical for myself. This year I’m on Medicare and it’s way cheaper with a supplement

[@allchithow]

Thank you for sharing us the real world there. I have never been there and I know how it looks like now.

[@rrjensen3988]

A Medicare supplement or medical plan along with original Medicare is way way better than an advantage plan. Watch Chris Westfall an independent insurance broker. On the advantage plan if you get really sick and need outpatient treatment ongoing for day like cancer or wet age macular degeneration the deductible is like 7,000 dollars each year. Those private insurance companies deny people treatment and you need referrals and they control everything.

[@stevennpitt]

Crushing it Tim! I watch everyone of your vids.. So insprirational!

[@SarasotaTim]

Wow! That’s amazing Steve. Thanks did ya hit the thumbs up? 🤣 Kidding, really I appreciate you. 😎

[@michelejoseph6202]

Also all doctors are not the same just because they went to medical school! Some are much smarter and know what to do with situations more than others and some are neglectful and don't catch something until it's too late and I know this from someone who this happened to. I have a job that I had to be licensed for as well as everyone else that I work with but I can tell you some of us are better at our jobs than others much better!

[@ArmyOne519]

Tim , as of this video date you have 21,100 Subscribers 👏. According to your home page.

[@johnmarino4085]

Thanks for the info Tim.

[@suzannelemon726]

Saturday the 17 & Sunday the 18th, here in northern Oregon we will be getting soaking rain and highs of no more than 60 degrees, with a low of 50 degrees.

[@SarasotaTim]

I’m a mile from the sun 🌞 🤣😎

[@Rush-Fan2112]

Congrats on all the new subs. Enjoy your time!

[@stevekamitsis1327]

Steve in panhandle caught your video and enjoyed it I do not know how to text but I am same age as you with looking at the same issues you described and I am looking at the same plan you said still considering which company but Florida bcbs might be the way also in our case if we can stack some silver to all be safe harder times coming

[@KarieJacobs]

Your information is very helpful. I'm 62 and making future decisions

[@suracharawirojratana8723]

You provided a value information, thank you 🙏

[@ohiopat]

Advantage costs 0 premium but if you have anything it costs $5k deductible. A supplement G or N costs nothing but the premium with a $200 deductible with no copays or co-insurance. When you want to change to a G plan later you will have to be underwritten and you probably won't be able to change because you're old and have problems.

[@KittMill-gx1vs]

Tim, If you no longer work, you can be declared indigent, in most states and they will pay that $170. and you prescription plan is paid I pay no more than $5.70 lower, and $7.70 Higher cost drugs. you have a great channel, I am enjoying it..

[@fibromyalgia09]

I'm newbe... You inspired me x

[@marclevant6639]

Once you opt out of the original plan and go with an advantage plan, you can never go back.

[@brandy99997]

Just found your channel, interesting points. Like your down to earth facts, thank you

[@incognito6799]

Keep in mind...Regardless of the profession, someone had to graduate AT THE BOTTOM of the class. So remember that when choosing your Doctors...The "COVID" BS brought that to the forefront when I showed up to my Doctors and some were pushing the useless masks. I dropped them immediately.

[@bigjohnson7415]

Amen to that! I've always said that not everyone, including Doctors graduated at the top of the class!

[@floweringplumb4678]

I could be mistaken but the EXTRA's provided in the Advantage Plan may be limited. So a patient who needs use of a service beyond 1x maybe disappointed to find that the Advantage plan extra's could be seen more as an enticement to get people to go on the plan. I found that when speaking to a representative for my Medicare coverage that they are very persistent to promote the Advantage plan over the other offerings of coverage. Of course, I am a bit suspicious of any government promotion that gives the impression that you get more for less and the time is NOW to become a member. Government and Enticements are not necessarily an Advantage when it comes to medical coverage and your future needs. Do your research.

[@carlfissell9362]

Tim, nice update... very helpful information - too funny, I turn 65 on Dec. 29 and live in Florida! Ha, perfect timing!

[@FrankRizzo804]

You will still need to pay the $170 when on an Advantage plan. Just no extra for the Advantage plan.

[@johncipolletti5611]

Please note. Our lousy politicians (especially the GOP) are raising the age you can get SS and Medicare. They are also trying to cut the benefits you will receive!

[@arribaficationwineho32]

Avoid “Advantage” .

[@nadinewescott6108]

Love your videos! Keep the good work up ❤

[@ChristineThomas-fv4yz]

The metagap plan if you miss open enrollment at 65 it will be hard to get the plan later, maybe i wrong but thats what i heard. Im 63 now i am trying to learn

[@billykellum]

Hey Tim. We share the same birthday, just 10 years apart. December 29th.

[@junkyarddog47]

Outstanding job 🎉

[@karenmcewan912]

Advantage plan is not Medicare😂.. Recently their where some politicians trying to Pass a bill stating the truth and trying taking the term “Medicare” out of the Advantage. A,B,D and G is the best decision.