Why are so many people are on AARP Medicare Supplement Plans?

[@medicare365]

Call our Office if you are Going on Medicare for the first time. 1-844-552-7426

[@steveludwig4200]

12:34 - Please name some of the companies you have issues with and what those issues are. That would be MORE helpful than just naming the companies you like. Thanks.

[@djv.8424]

I was told - by a broker - that once I signed up with united health (as an AARP member) I wouldn’t have to renew my membership next year i.e. - united health would never know

[@steveludwig4200]

@@djv.8424 That broker is not very ethical.

[@bobbycoln5626]

I don't think AARP and United Healthcare Insurance company are one in the same. AARP only advertises for United Healthcare and the other companies that are with AARP. I was an Independent Agent for many years like you. A Chartered Life Underwriter and Member of LUTCF for years. Now retired. People need to contact an Independent agent to get all of the facts concerning Medicare supplement policies, Medical Advantage policies and other Insurance related products. They can shop your needs with dozens of companies and get you the most for you money.

[@barneyfyfe8313]

@@djv.8424 AARP has no say over your medicare choice. You do not get a "special discount" from them. It's all standardized by law. Open enrollment begins in October. You are free to choose/change your plan with or without AARP.

[@MagdaleneM-f3q]

I’m on Social Security and Medicare. The thing that happens is yes we got a three point whatever percent increase last year but my Medicare part B payment also went up by $60 a month more than my cola so I actually took a $60 a month cut. I literally made best decisions when i started working with an advisor..

[@BaffySchenck]

I hear you; it's tough when COLA increases barely keep up with rising costs, and with Medicare premiums possibly going up again, it could feel even tighter this year. Having an advisor on your side is a great call-they can help you navigate these changes and make the most of what you’re getting. Here’s hoping for some better adjustments soon!!

[@TianaManeO]

Totally agree. A good financial adviser is a game-changer. My portfolio is balanced for all market conditions, and it has returned 120% since early last year. My adviser and I are now working toward hitting a seven-figure goal, which could take another year._

[@PajinakStanovska]

That sounds interesting! Could you share the details of your adviser? I'm urgently in need of one.

[@TianaManeO]

My CFA Julianne Iwersen Niemann, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@PajinakStanovska]

I just looked her up, and her credentials are impressive! I've already reached out and scheduled a call for some guidance. Thank you!

[@annettejones4902]

My Dad had tens of thousands of medical bills including heart surgery, intensive care care after a brain bleed, multiple hospitalizations, intensive rehabilitation in hospital and they paid almost everything except for stated copays. Sadly my Dad didn't survive but my elderly mother was not saddled with any medical bills. It was wonderful. We were so thankful

[@medicare365]

Thanks for sharing your story. Sorry to hear about your dad. The only good thing about that situation is you didn’t get screwed financially from an insurance company.

[@patriciamcpherson4667]

AARP United healthcare is great. Play never denied any tests that I needed to have done. I've had United healthcare for 6 years or more. Anytime I need help I can call in a person answers the phone.

[@charlescahoon3557]

My wife and I are very pleased with our United Healthcare supplemental to Medicare. We looked at an advantage but they are not accepted by all hospitals.

[@jamesmcdonough9771]

There is a reason things are confusing . Its by design . Take care of your health !

[@saythankyou111]

Do you think American healthcare is twice as much as the other countries in order to pay the doctors really well, so they can justify their expensive education…….the American dream kinda….?👽🐉

[@george3737]

United health raises rates faster than their competitors since they give you a new member discount when you sign up. Their community rating is very deceptive.

[@medicare365]

I tend to agree… especially in a lot of states.

[@jaggillar6680]

I have AARP/UHC. So far so good. I dont like that their customer service center is located outside of the US. The reps are good but I dont like that US corporations do not support US workers and take the cheap way to optimize profits.

[@markmccrimmon8479]

Where is it located?

[@leonardfrey5426]

If outside the US they lost me as a customer.

[@triciahill216]

I called yesterday and was talking to a lady in the Philippines who I could not understand and hung up on! ​@@markmccrimmon8479

[@eaflores1498]

I absolutely agree.

[@rolfholt9684]

Don't worry. Customer service will be all AI bots in a couple of years 💁‍♂️💁‍♂️💁‍♂️💁‍♂️💩

[@marieasbul9585]

love Medicare and AARP plan F

[@richardspinosa6277]

when you use traditional medicare as long as a dr accepts medicare part b then al dr will “ accept your medigap plan no matter if the dr accepts thst plan for regular patients , so the rule is any dr who accepts medicare part b will bill medicare 80% and whoever your secondary ( medigap ) is they will also bill them for 20 % .a lot of people make these mistake amd ask a dr if the accept the medigap company . the only question you need to ask a dr is do you accept medicare part b and then they must accept and bill your medigap in this case aarp( well united )

[@medicare365]

This is true. Appreciate your comment

[@lilshaz8378]

Looking at AARP Plan G for husband. Price difference for Plan G is $108 yearly from Blue Shield which he's currently on. That alone helps pay for his Part D.

[@leahwhiteley5164]

AARP has great plans and great PRESCRIPTION plans. They pay for what they say they cover. No hassles and if you call them they are NICE and very responsive. I could not be more satisfied with what I'm getting.

[@brin3m]

i keep reading how many commenters say AARP has great prescription plans. That has never been the case for us. I wonder if it depends on your state? is there a way to find this out. I am in Ohio

[@georgewelch2366]

@brin3m, unfortunately Advantage plans do vary state to state, one of the real disadvantages vs Traditional Medicare. Another disadvantage can be if you spend extended time in another state and need medical care.

[@sheryllegg845]

@@brin3mdo you have advantage or medigap? I am in Ohio with advantage plan…looking to go medigap for 2025

[@sheryllegg845]

@@brin3madvantage plan does have the xtras

[@WhittyPics]

I notice a lot of car insurance companies do the same thing. Give you a low rate to hook you in and then raise your rate every year

[@AngieWy]

Sounds like Comcast

[@noelc2]

Auto is different. So many variables: age, sex, tickets/violations, claims, vehicle, coverage limits . As for age: You’ll notice age 16-24 prices will be high & gradually go down. Age 25-55 you’re in the age sweet spot. Age 56 as you get older will gradually go up. Thats because those ages have different loss ratios.

[@cgilleybsw]

wrong - the will hook you in but hope to keep you from looking elsewhere. USAA screwed me for decades, Allstate is about to get a sAD STORY.@@noelc2

[@richardlo4867]

​@noelc2 Yea it's different. I got older, my car's got older, driving record still spotless. Rates went up - even with loyal customer multi-policy discount.

[@Xera01]

In one of these videos the guy said the way that works is, if you get a good rate, someone else gets an increase because it's a numbers game. Change companies frequently.

[@joesmith5919]

My spouse and myself both have a plan F with United Health and I would never ever give it up!

[@RG-hf4et]

Nobody can get plan F anymore & it is very expensive. My dad has it.

[@alansach8437]

I went on Medicare the last year F was available. I could have gotten it and been "grandfathered" in, but the extra premium over G was twice what the Part B deductible was! Didn't make sense, so went with G. I haven't used it, but my wife has. Very happy.

[@terribolan2010]

Lucky you. I'm just qualifying in 2024. No plan F available to me.

[@shirleystephens1935]

@@RG-hf4etI live in Georgia and have had United Healthcare Plan F since 2012. It’s very expensive. It costs me 287.75 a month. You’re never supposed to receive a bill from any facility. I receive a bill from a local hospital. I have tried to tell them to check a Medicare 2024 Plan Book for all Medicare Plans and read people on plan F is never supposed to receive a bill. They still don’t get the message. I don’t have any copays or deductibles.

[@bobdrawbaugh4207]

I would rather pay more if I have to become a member of AARP!

[@Hbd2002]

Membership is really cheap and they have tons of information on their website and through their app

[@cgilleybsw]

aarp is corrupt but they got in early and are the leader. follow the money honey@@Hbd2002

[@badawesome]

@@Hbd2002 AARP IS MARXIST

[@ChristopherRuhmins]

@@Hbd2002 it's a political thing for some, unfortunately.

[@chuckg6039]

Everything is political ​@@ChristopherRuhmins

[@bricra8992]

I would always choose a Suppliment plan over a Medicare advantage plan! If your not well educated on the plans it's enticing to choose an advantage plan for the low or no premiums but it's effectively a private insurance not original Medicare and because of this your doctors may be dropped from the plan at any time and you may be denied procedures at the insurance companies whim. Get educated before you choose plans!

[@justis4men211]

You are a elitest MORON . Unlike you!!! I have both AARP Advantage plan and 100% VA. I get to choose waaayyyy beyond you. The Advantage plans rock.

[@Rightiswrong-qv5ul]

Not everyone can afford the premiums for supplement .

[@20greeneyes20]

Thanks! I've heard that too. I'm about to sign up and switch to a Supplemental plan. With having to do the underwriting.... There's so much to process. It's mind boggling to say the least. 🥴

[@20greeneyes20]

​@@Rightiswrong-qv5ulI'm thinking of it this way. It may be more expensive per month, but if something bad should take place you are free of high expenses being on an Advantage HMOs and too doctors can drop you at any time.... I've heard horror stories. This is a painful process I know. I hate it!!!

[@bennym1956]

@@Rightiswrong-qv5ul They are reasonable and they pay for what Medicare doesn't !! Long run, cheaper. Just no to Advantage !

[@jhors7777]

Thank you for posting this helpful Video! I really appreciate and enjoy your channel.

[@ginnyn9660]

Thanks for your video. I recently met the deadline for getting a medigap plan. I'm in Georgia and asked about AARP United Health but in my area I think they were higher priced than some other companies and I was told that their rates increased faster. Wish I had seen your video before my deadline to enroll in a supplement plan.

[@lynnhoffmann247]

I believe you can change next year.

[@akita96th]

I use Blue Cross Blue Shield of NC for a supplement they never disappoint. I also get a gym membership at a discount for $10 month thats all I pay.

[@akita96th]

Check out Blue Cross Blue Shield of Georgia for a supplement.

[@440tomcat]

They dont really go by State they go by Zip Code

[@maryisabell8760]

AARP UHC / raised prices so high on us - we had to bail - get away quick . All of U will find this out too . Sad thing is U must change plans before your health gets bad or U maybe stuck .

[@GaryEdson]

The Inspector General published a study (April '22) showing that 13 percent of the requests for treatment that were denied by Medicare Advantage Organizations (MAOs) such as Humana left patients without treatment or payment for treatment all while those requests otherwise met Medicare coverage rules and likely would have been approved for these beneficiaries under original Medicare (a.k.a. Medicare fee-for-service). Patients were denied, but the MOAs profited. This is what is wrong with America's "healthcare" system; The system is not there to serve the people, but to make profits. It should be renamed the insurance company profits care system because that is exactly what it is and how it is structured. How sick that Humana plans to make $74 Billion this year of of the Seniors "(dis)Advantage" programs alone. There's no mention in the article of the number of Seniors forced to go without treatment or to declare bankruptcy as a result of these profit-care systems.

[@steves3688]

So right!!!! CORPORATE GREED!!!!!! and its rampant!

[@medicare365]

Love the long comment. Appreciate the info

[@leahwhiteley5164]

Advantage plans are like gambling with your health.

[@kennethknight7052]

Advantage made 27 billion

[@justlina2769]

Actually another independent broker posted a study that said with data up to November of '22, Medicare Advantage had refusals of 5.8% compared with all other payors (non-Advantage) had a rejection rate of 3.8%. So, a difference of 2 percentage points. They said there was one MA provider that had a refusal rate of 13% as others had refusal rates of 3%. But it is not all Medicare Advantage by any reality. And at the same time, Medicare literally has an unfunded liability approaching $100 trillion. So that ain't gonna be sustained no matter what.

[@adlerpaul]

How do you avoid joining a Medicare Megigap plan that will Close Book / Dead pool their plan in 5 or so years? Leaving the older and sicker people on the plan, since they are unable to change plans due to medical underwriting. Paul

[@Suki0428]

Mutual of Omaha, Aetna, Cigna, etc are notorious for this! I heard that BCBS, State Farm, UHC, and USAA don’t.

[@kathymclaughlin2248]

I live in Washington state and one broker I contacted says he sells more Medicare Advantage plans compared to Supplement plans in our area. He says they seems to work “better” in our area. I told him I really want a Medigap plan.

[@20greeneyes20]

Beware. He also makes more commission with advantage plans over supplemental. It's a shame this is all so confusing. It's for a reason it's not looking out for us.

[@Sebastian-ov4uo]

Yes, they really work good for him. Don’t get sick, because when you really need good insurance and want to come over to medigap, you are screwed because they likely will not accept you.

[@mikespangler98]

Also in Washington State, and most Medigap policies do not cover rural counties. The ones that do are twice as high as the prices shown in the video.

[@PatriciaBates-z7l]

@kathymclaughlin - because as said above, your agent makes MORE COMMISSION on an Advantage plan VS. a Supplemental plan. They get cars, vacations, etc. My agent got a new car. Beware. I have a Supplement plan - G with UnitedHealthCare. All plan G plans have the same coverage no matter who you choose. See what your hospital & doctor take.

[@theshanny8]

I am in wa state also and going with plan n I suggest looking into a cost analysis over time when comparing plans f and n a true analysis sadly I don't think this channel does a thorough or totally upfront I also think the person you spoke with was full of it that was a crock of 🙈

[@sct4040]

My husband had to use the ER in Tufts Med Cter in Boston in June, and again at Lenox Hills Hospital in NYC in July. I was shocked that the bill charged to the insurance from Lenox Hills was twice as much as Tufts. That’s ridiculous, he went in to both for the same reason.

[@tgriebe]

Small time crooks wear hoodies. Big time crooks wear lab coats or suits.

[@taroman7100]

yes, the whole world of it is a scam@@tgriebe

[@MrMarkar1959]

Pencils cost more since the chinese/farci disease

[@cryptofan6255]

I went through three separate round of injections into my spine for a disc issue. The first round cost 2K, but sadly, weeks later when I needed my second round I had to see a clinic that charged 15K!! Same exact procedure!!

[@elginb]

Location, location, location, higher cost of living in NYC

[@alphamale2363]

Maybe a video on which switches require underwriting and which don't? And how picky is the underwriting (exam required? would high BP rule you out? Etc.).

[@medicare365]

🤷🏻‍♂️ maybe

[@ChristopherRuhmins]

A few clarifications: 1. It's a dental, vision & hearing discount plan, not insurance and this depends on the plan, they offer two in most states. 2. The AARP membership is only required at sign up, you do not need to keep it in the future. 3. HDG is being introduced in select states starting 6/1/2024 with AARP UHC. 4. AARP UHC is bigger than the next 3 carriers combined.

[@Laura-ek3im]

Medigap plans AARP United Healthcare has the most market share. In NJ good to also check out BC BS Medigap plans. Also good if broker can tell you a company's rate hike history. I have United Healthcare medigap Plan N, works for me. Others I know have plan G.

[@drbassface]

My aarp/UHC PLAN N is $159 a month. Central Florida

[@christineianno1591]

I use BCBS because my doctor suggested it. I get MRI’s yearly. I am on plan G.

[@medicare365]

Nothing wrong with that

[@desilu-stage9]

I switched to Aetna's MA. AARP UHC MA 2025 cut eye, dental, OTC benefits and raised the out of pocket from $4900 to $6500.

[@brin3m]

we have Medical Mutual Medicare Supplemental. it has covered everything and paid on time. Cleveland Clinic and University Hospitals here in Cleveland have been pushing 2 advantage plans. we have been refusing it and telling our friends and family to not buy into the sales talk about those plans. what worries me is that two well known hospitals here are pushing specific insurance companys policies. Are other hospitals doing that anywhere else? Are hospitals going to be owned by insurance companies?

[@kimhorton6109]

I had this plan last year and was told it was no longer available. I went back to United Health care again before I heard that Advantage plans are notorious about denying coverage, especially in hospital stays. I didn’t know about medigap plans when I retired in 2008.

[@medicare365]

Its all about Medigap plans

[@JS-mx3he]

I'm afraid to retire too expensive I pay 65 dollars a month for major med doctors dental vision for the whole family....teamsters are great

[@FLOBRN]

Heck with the gym. I would like a veterinarian discount or a dog food allowance 😁

[@medicare365]

Oh yeah

[@mjkay8660]

i have uh for 12 yrs, great reps and never a problem!!!

[@georgeplagianos6487]

Is this a paid endorsement😮

[@louannpa]

Husband and I have had United Health care for over 2 years now and have been very happy with it, but the cost is getting crazy. Were in Pa. and in 2024 we will pay $240.00

[@medicare365]

Give us a call 1-844-552-7426

[@larryaugust8205]

The premium goes up every year,hey AARP we’re retired living on checks.I’ll definitely be looking this fall

[@twistdmojo]

AARP primarily makes their money by hawking various insurances, United Healthcare for healthcare and The Hartford for auto. Those insurance policies may NOT be the best for seniors, or the best prices. Always keep that in mind when you see their recommendation!.

[@jhors7777]

Thank you for posting this helpful video

[@medicare365]

Appreciate you sharing

[@eunicehenderson9095]

Financial stability of the provider is what I looked for in a supplement plan. Will that company be there in the long run?

[@medicare365]

Good point. But there are many financial stable companies including Aetna, Humana, Cigna etc.

[@patrickmanley4943]

@@medicare365 Ace property and casualty is backed by Chubb and is $114 per month and rated A++ for plan G but is new to Medicare . Your thoughts Brian ?

[@sct4040]

My BCBS ACA plan sent me a letter saying they are being bought out by Aetna in 2024 and premiums are going up 20%. That’s a large height. Fortunately, I will turn 65 prior to the year end, and will be on Medicare before then. 😊

[@djv.8424]

I had a doctor a decade or more ago who started declining Cigna because they took 6 months or more to pay. They were terrible!

[@Liam69400]

As a medical equipment provider, we stopped taking AARP complete because of horrible reimbursement. Another sneaky thing that happens is that if you are contracted with UHC, since their reimbursement is less than Medicare (Medicare is horrible), they will not pay their secondary claims because the Medicare is higher reimbursement. Almost every client that I see that switches to AARP Complete does not understand that they are no longer Medicare but an HMO insurance plan. I am starting Medicare over the next couple of years and will DEFINITELY keep Medicare as primary and get a supplemental and I guarantee you it will not be anything related to UHC.

[@sct4040]

An AARP Advantage care plan is not the same as an AARP supplementary plan. I personally would never get an advantage plan.

[@Liam69400]

@@sct4040 I am saying I would steer clear of anything UHC. I also agree, would never have an advantage plan either. Just my opinion after working with and around them with other patients for 22 years.

[@michaelfinley9988]

@@Liam69400 I am on UHC medigap plan G and I love it. I have had no issues.

[@YT4Me57]

​@@Liam69400my mother had Medicare and an AARP medigap plan. No problems. Rarely anything out of pocket. Sounds like AARP Complete is an Advantage plan, two very different things. If you buy Plan G through AARP or any other company, by law, the baseline coverage MUST be the same.

[@debbiedeosmail2]

I found UHC sup raises their premiums faster on seniors as they age compared to other carriers with subscribers that are the same age.

[@vidikat]

I am a 68 year old living in California. I paid in advance for a five-year AARP membership - very inexpensive and has lots of discounts. My AARP UHC plan G gives me free membership to Club Pilates, Orange Theory Fitness, and 24-Hour Fitness - all of which I go to. They are all expensive clubs and I get to go for free. This is a great health benefit. Much better than “Silver Sneakers”.

[@patrickmanley4943]

Are really able to attend each one? I thought we could only choose one gym?

[@patrickmanley4943]

How did you sign up for them?

[@vidikat]

@@patrickmanley4943 They give you code, see my other response.

[@sct4040]

Don’t choose a medical insurance plan based on health clubs. Omg.

[@meiyang5969]

United Health has taken over clinics in our area called Optum. It drove out Regence Blue Shield. Hundreds of thousands of people lost coverage. I almost lost Premera coverage, though Supplemental Plan tends to be better with negotiating contracts. United Health has bad reputation here in this town.

[@KittyKarenpoo]

AARP cost me $15 per year (for both me and my wife). That''s a big Mac combo. It is a huge plus to be in their system, yielding many options and while funding the most powerful advocate for seniors in America. It is nice to have someone speak for you in Washington, fighting for lower drug costs, continued access to Medigap, fair social security benefits, etc.. In my case I also picked up the best dental insurance I have ever had with DeltaCare, costing me $33 per month with lower costs out of pocket for everything.

[@victoriascholl4607]

AARP kept sending me mail. I kept trying to figure out what they were really offering me. All I came up with was that they were a gimmick to try and sell me multiple types of insurance. When I did some research on out pocket benefits with my Medicare they didn't win, another company did.

[@medicare365]

Should have called us 😳

[@SusanBenning]

Victoria what company did you go with?

[@jeffwise6398]

In Travis County, TX, Renew Active at United Healthcare / AARP costs $30 more per month for the benefit.

[@medicare365]

Thanks for sharing. Good to know

[@2-old-Forthischet]

The company I retired from is doing away with the medicare reimbursement feature for retirees next year and will be offering United Healthcare Advantage PPO which is supposed to be comparable to most plans. I'm kind of worried about the phrase, Advantage PPO. That sounds contradictory. So, I asked my dental office today after my office visit about United Healthcare coverage. They said they won't pay as much as my present insurance company.

[@akita96th]

Do yourself a favor and skip the advantage plan you will thank yourself if you ever get in a bad way. I did. lol Medicare doesn't cover a dentist but a dentist is a lot cheaper to pay than a hospital.

[@2-old-Forthischet]

@@akita96th it's an advantage PPO so doctors who accept medicare should accept it. The company I retired from had a spending account in my retirement years so it was up to me on what insurance I wanted. They are eliminating the spending account and going with United Healthcare Advantage PPO. The plan will have medical, dental, vision, etc. I took a quick look at the cost and it's a little less per month but I heard that it covers a little less, dollar wise.

[@smartnfinal]

what is the assessment of AMAC instead of AARP?

[@ericbond5276]

I'll be 65 in Dec. Thinking of UPMC Adv & Medigap. I talk to people who like Adv, they are healthy. Begs the question, what happens when they become unhealthy. I talked w/a lady who is 66 with a situation. she luvs her $39 UPMC HMO. She was in a care facility for 6 weeks, never saw a bill.

[@tmanch1]

Its available in my State of WA, but premium was way too much.

[@medicare365]

Good to know.

[@jcaya6599]

Thank Brian. This helped a lot

[@medicare365]

Appreciate it

[@BonnieBentz]

I have United healthcare and they did good last year. They were one of the best on the list but this year I got a notice in the mail and they have dropped quite a bit for dental and hearing and a few other things. So yeah, a lot of these companies they're dropping from things that they were helping with last year

[@medicare365]

Advantage plan.

[@WhiteRosez007]

I noticed that's common thing going into 2025 if you have MAPD.

[@richardlau2447]

Thanks for the info.

[@Time-Traveller-2025]

Many people hate AARP politically… but they have the best coverage. I had my mother on it.

[@threeftr3349]

AARP is not an insurance company. They are a membership company.

[@JoJoGen-e5h]

True

[@RobertRedman007]

Excellent information, thank you.

[@medicare365]

Appreciate the support 👍🏽

[@garyschreiber695]

Can you discuss Community raying vs age rating? I think AARP-UHC is community rated and appears more expensive but AARP gives a discount that decreases over the years and basically everything equalizes

[@miessy9633]

Age rates plans apparently can move groups of new enrollees into a “block” which is spun off into a subsidiary and closed to new enrollees. Apparently this happens every 5-6 years. Once younger enrollees are no longer being enrolled in the block, rates can skyrocket and then the healthier enrollees can seek a cheaper rate with a new company if they pass underwriting. That leaves older/more unhealthy people in the block so rates really go up and you are stuck. Community rated plans do not block people off like this by age. It’s all one big block so you get the benefit of younger healthier enrollees the entire time. It’s especially beneficial for much older enrollees in their 80’s but may cost more when you are young. I know Mutual of Omaha had a 50% rate increase one year and since I hate surprises, I’m going to end up with United Healthcare which is the only community rated plan in my state. I don’t want to be trying to pass underwriting down the road if my supplement becomes too expensive even if the rate is a little higher now.

[@Howard_Hunter_]

Thank you, Brian! I got AARP/United Healthcare because of their low premiums. Name recognition was a bonus. I saved even more by skipping the gym and vision care, which I don't care about. I could have saved more by having another member in the household, but not the case. It was a no-brainer. You can save even more by signing up for electronic auto payment, which I highly recommend. At the end of the day, I'm paying less than $100 a month for regular plan N. Not bad. I've already been to a doctor, and they accepted the insurance AND no copay. Hope the trend continues! Imo, men should have facial hair. As you can see, I have a moustache. But to each his own.

[@medicare365]

Appreciate the long comment. Glad you got a deal. 👍🏽

[@barneyfyfe8313]

Did AARP tell you medicare would be cheaper through them?

[@kathys53]

Woe--$100! In my state/area, it's more than double that for N.

[@akita96th]

It all good until you get sick...Better pray you dont have heart problems or get cancer ...Those plans will fail you....

[@barneyfyfe8313]

@@akita96th Medicare Advantage is garbage. Nobody should sign on for it unless they have absolutely no other options.

[@n.c.467]

Ye Gads, Brian!!! I wish I'd known about you 2 years ago when I was drowning in the Sea of Supplement Plan Confusion! Fortunately, after months of research, I ended up with the AARP UHC Plan G!! Needless to say, I've now subscribed to your channel. Great work 👏🏽

[@sfar1778]

@n.c.467 When I get older I don't think I want an insurance company to decide whether I need a surgery or not and I'm disabled so I have to have part D but anyway I'm on a one-year try all period you think Medicare put you in the best there is so am I wrong I've been having problems with UHC but what I don't know is what is Plan G do you got to pay money for that?? I have to sign back up before December 8th

[@sfar1778]

Just with the medication part so far if I get bills in the mail I throw them in the filing cabinet that's the garbage

[@aaaa22225555]

@@sfar1778

[@phillp7777]

What do u think of UHC ptC plans vs BCBS plans ?? pros cons .. which comp u like better ? best? I'm stuck which of these two to pick from use for ptC choice.

[@PearlyGates57]

Why does it vary by zip code?

[@vjf8733]

In my area UHC (our insurance - thru an employer plan) and I have found some doctors & hospitals announcing that they will no longer accept UHC patients/insurance, resulting in changing provider or higher charges. Sometimes it gets "settled" but recently I had a surgery that cost more than quoted because I was out of the "plan" (or something like that). Does this happen with Medicare? I have often found that using the insurance cost to determine the company sometimes isn't the best option..

[@winfidel]

This cannot happen with Medicare supplement plans.

[@TheRotorhound]

The issue of course is what happens to the rates as you age.

[@sunday9373]

Folks, Brian, Mike & their team are great, patient to explain things and help everyone understand the process and which companies are good in their area. No, I'm not being compensated in any way. Give 'em a call. And, one word of caution, as you study getting Medicare coverage and supplement/gap plan, don't dawdle, as you approach 65. Good ole "dot gov" can be confusing, so start early and just know that the Social Security offices can be really busy and hard to schedule, in the time period you need, so suggest you don't procrastinate.

[@Zoe-ot5kp]

I could not get any information about Medicare from Social security person. All she did she signed me up for part A and B . Now I have to look for the supplemental plan .

[@sfar1778]

@@Zoe-ot5kp I've been disabled since '08 and I'm only 54 I never had to pick up part D they did that for me but I can see I need to start looking is that the truth

[@TheWilferch]

Confused only on one point you mention...on the one hand.....you (correctly) say all plan "G"'s ( for example) are he same and give you the same coverage....yet...on the other hand, you also say UHC/AARP offers "Supplement" plans that ALSO include some sort of basic eye care and dental benefits.....how does this reconcile?

[@winfidel]

It's not actually insurance, it's just discounts that are accepted by the companies.

[@TheWilferch]

@@winfidel ....missed the point I make. The SUPPLEMENT plans are ALL goverened by law to be the SAME coverage, within a certain letter code category. For Example ...all "G" plans...from all providers.... are the same as determined by law. How can one suppplement plan offer more or less? It's set up to be the same coverage by all providers....you just price-shop the various providers.

[@Saddlegait45]

But each year or so the companies will raise the premium price of the supplement plan you are. Do you take into account which insurance companies are keeping the premium price increases lower over time when you consult with your clients?

[@maryisabell8760]

I just gave up AARP United Health Care -- they kept raising there rates - can’t afford them anymore .

[@nancyshea5022]

You mentioned in the presentation, that UHC requires a membership fee of $16.00. I was told that it is required for the first year and you get the AARP magazine, but you can cancel this $16.00 fee after the first year. I haven’t done this yet because, although I never thought that I’d enjoy the magazine, I do like it. Be sure to ask about this fee when you are considering joining UHC. Also, I have access to several gyms including Club Pilates and Lifetime. Lifetime, where I live,is over $300 a month for regular membership. I pay nothing, but there are some restrictions on available times of day. The have social activities and ARORA classes such as yoga, pilates, aquatics, that cater to over 55 people.

[@INJURYCOMP]

How does the Plan G Medigap pay? Medicare A & B are primary and Medicare pays (roughly) 80%. Will the Medigap Plan pay the Doctor and/or facility even if they are not in the "network" of the Medigap insurer?

[@lizettramos9240]

Thank you so much Brian for this information your the best

[@medicare365]

Glad it was helpful!

[@phillp7777]

nice vid Brian.. u guys brokers get a commission $ from MC? or sthing right? whenever u get a person to sign up for any MC plan whatever it is.. you get some credit sthing from thru MC right ? how u make a living.. right? You sound smart honest and curernt on it all so so confusing. thx fir doing vids great channell

[@pamelasherring1476]

How do you get compensated?

[@TheK9Shepherd]

AARP United is jacking premiums up 50% or more. Mother in law's premium was about $210 and is now $318. AARP RX went from $11 to $98 !! This is 30% of her SS she gets per month. It's outrageous !!! We are looking at moving to Plan G but she has dementia so I am hearing the underwriters will probably deny her. (and here we thought denying for pre-existing conditions weren't allowed-I guess that was just on ACA plans)

[@BlessedBeMyDay]

Oh my gosh. So many people don't understand the difference between AARP UHC Supplement verses AARP Advantage ( more like disadvantage ) plans . Supplement Plans any Doctor - Advantage Plans limited doctors ..

[@winfidel]

Sure does make things confusing, doesn't it?

[@Ecohen52784]

I have Freedom Health Medicare Advantage plan in FL special Needs. Is this a good plan?

[@garygray1296]

I have AARP with their Dental which as you said is standard. I also have a Delta Dental plan that I had previously. My AARP goes into effect on Jan 1, 24. Can I use my Delta Dental as a co insurance?

[@millerfamilymom]

Yes. I have 2 dental insurances. Which company should not matter.

[@LawrenceHanson-b9s]

You keep up the good work and see how many new customers you get congratulations cause I know where I’m not gonna be. I’m not gonna be with you. You may not like what I’m saying, but I’ve dealt with you before.

[@alycep3]

Question: If I start Medicare Plan N or G in a high premium zip code but move to a lower premium zip code, will my premiums be adjusted accordingly to be lower?

[@thekingofbohemia1]

Don't know where these figures came from but for a 73 y/o guy that hasn't used a doctor in two years my supplemental plan F is $310/mo. What a racket.

[@winfidel]

So, if you are planning to be healthy the rest of your life, why get a supplement plan at all? Heck, why even get the Part B at all? But if things don't go according to your plans, you may regret it. Don't really understand why you have Plan F either; isn't that more expensive? I'm 77 and can get Plan N for as low as $178.

[@thekingofbohemia1]

@@winfidel The point is , is that I'm paying a high price for good health. I'm paying for all the sickly, fat asses who drain Medicare for milllions in order to live for a couple of extra months in a hospital. I need dental, vision and hearing, not MRIs and chemo.

[@adamfuentez7314]

Plan F is only available to people whom were born before 2020, you can change to a part G, however, G does have a deductible

[@Canadarago]

I’m in North Carolina. Does United Healthcare still price their plans using a “community rated” metric? Years ago I helped my father in law switch companies when we moved from NY. When I looked at the supplement plan pricing on the NC state insurance department website, every company was over $400/month for a 96 year old man, except for United Healthcare, which was less than $200. The reason was that UHC based their rates on their entire policy holder database, so older people got the benefit of being in the same “bucket” as 65 year old newbies. Is that still the case?

[@greyholcombjr.9623]

Yes. I'm in NC and will probably purchase a AARP UHC supplement plan soon . UHC is the only company I know of that has community rated premium prices.

[@marciathompson5494]

Nope....BCBS In Minnesota is community based and I'm 76 yr old female paying $288 for plan F....

[@andrewdille9796]

AARP only sells one plan in minnesota and that is the extended basic which is the G plan. There is no N plan or high deductible. I also do not see the dental, vision in Minnesota.

[@andrewdille9796]

The G plan is $255 in minnesota also known as the extended basic.

[@medicare365]

Minnesota is a totally different ballgame. Thanks for the comment

[@bcoldwell1]

Totally different ballgame...can you elaborate?

[@steveludwig4200]

@@bcoldwell1 Bunch of weirdos live there.

[@MyName-m2l]

Can anyone explain what's going on with Medigap plans in Wisconsin? There is no Plan N or Plan G, and it seems like you need to add all kinds of riders...maybe.

[@medicare365]

Wisconsin has its own plans. Call us 1-844-552-7426

[@spencerbergquist781]

What's the best way to find a Medicare agent/broker in my area? How do I find one?

[@medicare365]

Call my office. We are nationwide. Local isn’t always better.

[@greyholcombjr.9623]

Your'e a bad man ! @@medicare365 kzbin.info/www/bejne/Z2Olk3xjoNKlpqs

[@jamesborden9343]

Health care for profit in America is just stupid !!!!

[@queenieny4654]

It’s Wicked that’s what it is…

[@AndyB718]

I agree and the doctor's should be forced to work for free...NOT !

[@Mr05Chuck]

We need fascism now! Even more than what Biden is giving us!

[@alansach8437]

@@Mr05Chuck Obviously you don't understand what fascism is. I suggest that you look it up. You will see that Biden is the farthest thing from it.

[@alansach8437]

@@AndyB718 Of course not. Doctors in countries with universal healthcare do not work for free. They make good money. In fact, doctors are not the driving force in our expensive, for profit, health system. It's shareholders, lawyers and insurance companies. One of the easiest ways to start lowering costs would be change our current piecemeal system to a set price system of billing. Instead of you break a leg and get bombarded with fees: ambulance =fee. ER=fee. ER doctor= another fee. X-ray and radiologist=fee. Hospital=fee. Orthopedic surgeon =fee. Nurses=fee. Hospitalist (doctor making rounds)=fee. Pain meds/hospital pharmacy=fees. Doctor checkups=more fees. Durable equipment (crutches/orthopedic boot etc.) =still more fees. Rehab/physical therapy= fee!!! A better system= broken left femur =one fee, posted and available for anyone to see. All inclusive. Of course, some would require a bit more, others less, but it balances out. No surprises. No fees from doctors you never met. Next, get the profit out of healthcare. Doctors and nurses should make good money, but anonymous shareholders shouldn't be buying new yachts because you have cancer! The primary concern should be you getting better, not them making money!

[@melanief6113]

I have AARP UHC but it is an Advantage Plan. Can I call them and convert to Medicare supplement G? I have Medicare A&B and the MAP.

[@adamfuentez7314]

You can change to a Supplement part G, however, you will mostly have to go through underwriting. There are exceptions where underwriting is not necessary

[@adamfuentez7314]

You are going to LOVE Biden ones you know he did with the Part D 2025.

[@beeemme2252]

Well the savings are trickled down to you. Unless you don't mind paying more so these companies use us based customer service.

[@medicare365]

Hmm 🤔 I’m confused by your comment?

[@cyberchicchick513]

​@@medicare365 Because labor is cheaper in certain countries, USA contracts with call centers overseas. That's what I think poster meant by comment.

[@JA-gx4hb]

I thought I had all this A, B, F, G stuff figured out. Then I found out that Wisconsin doesn't do all this alphabet soup. I'm back to square 1.

[@maureensaunders8866]

AARP UHC plan F part D double the price this year in 33702 Fl!!! How come. I love your videos

[@winfidel]

"plan F part D" makes no sense. Plan F is part of a medigap plan; Part D is a totally separate prescription plan.

[@BillS.-ox9nt]

A+B +W/UHC just put me thru Heart Surgery total cost $240 .

[@jillstostad4976]

Would you mind sharing which software that is? Or did you just manually add them all to an Excel sheet? (I am an agent). Thanx

[@soysan34]

I had United Healthcare and I got a letter from my local doctors, saying that I might want to look for a new plan because they were not bargaining in good faith and that as of February 2024 they would not be seeing any of their United Healthcare patients anymore. So I left and I got Blue Cross Blue Shield so I lost all the benefits that I got with United Healthcare say like the gym membership and I had to pick up a writer for dental which cost me another $50 a month. I'm very nervous about going back to United Healthcare AARP advantage plan.

[@medicare365]

Check out another plan

[@Laura-ek3im]

Advantage plans are different from Medigap plans. Although I do hear good things about BC BS.

[@williambeller7574]

In about 5 years I will be on Medicare. I’ve listened to everything you’ve said. Is there a medigap G plan that also covers prescriptions like high blood pressure pills or cholesterol pills? Medication seems to be the one that could potentially drain your bank account!

[@winfidel]

They are separate. Prescription plans are called Part D, and you will get penalized if you don't enroll in one separately. If you go to the Medicare website, you can search these plans separately from the other two, although most Advantage plans include it. Advantage plans are officially Part C + Part D.

[@ninal4565]

He says wrong about the UHC wellness extra isn’t free. 25-38 more per month for 65. Forget the gym membership if you have to drive far.

[@marilynm5024]

Do you have any advice for postal service retirees that will have to take medicare B starting in 2025 in order to keep their federal health insurance?

[@medicare365]

You’ll have to talk to the Union if you have one. Or someone from HR.

[@marshajones8685]

Thank you

[@medicare365]

You're welcome

[@DrMoto-Ph.D-182]

I have been eligible to become a member of AARP for 16 years now. I have refused to do so as long as they remain an anti second amendment organization. Their official position is to restrict the rights of Americans to keep and bear arms. No discount on prescriptions is worth supporting an organization that wants to end my Constitutional rights.

[@ssa8479]

In my zip code the AARP/UHC Plan N in 2023 (for someone turning 65) was $72 a month. Plan G is/was $90. Wonder how much higher it would be if you sign up at, say 70. That's what I plan to do. I have employer coverage and plan to work till 70, possibly beyond, and to keep contributing to my HSA till I sign up for Medicare + Medigap.

[@cyborgblowfish4875]

Most people don’t have to pay a premium for Part A (Hospital Insurance). So, you may want to sign up for Part A when you turn 65, even if you or your spouse are still working. You’ll pay a monthly premium for Part B (Medical Insurance), so you may want to wait to sign up for Part B. faq.ssa.gov/en-us/Topic/article/KA-02995

[@Thehappyme02]

I will be 65 next year. My mother is telling me that you have to renew your medicare policy with AARP every 6 months. My father just passed and I think she's mistaken. He always took care of that. Can you tell me if that accurate? And also are you able to go to another insurance company from year to year? Do you need to have vision insurance for them to pay for cataract removal or to see an optomitrist?

[@medicare365]

call us. 1-844-552-7426

[@Laura-ek3im]

You do not renew Medugap plans each year. Advantage plans you can make another choice each year during Medicare open enrollment.

[@patriciarandolph3760]

Hi, I'm wondering when the pricing for 2024 plans will be coming out, do we have to wait till November? I'm currently on AARP plan G, in Missouri and my premium is very high, so I am planning to switch to either N or HDG (possibly). I'm inpatient for 2024 info!

[@medicare365]

The Gap plans do not change their prices for the beginning of every year. If you call my office you can see the prices in your zip code and most likely save money for either plan you want. 1-844-552-7426

[@garrybeair5789]

My supplement is with Mutual of Omaha. Will United’s premium be less than another’s? Does United offer more perks using part G than others?

[@eckankar7756]

In my area Aetna Medigap Plan N was much less than AARP. I pay $105 a month. I have yet to have a physician charge me a copay for a visit in 3 years.

[@medicare365]

Love Aetna

[@eMDiKhamPha]

I'm about to get Medicare. The agent tried to sell me AARP United Healthcare. When I had simple questions about it, the agent figured out I understood the product they have is not cheap so...the person never contacted me with answers 😂 My question was, "so I have to get Medicare B with $160 something per month and then yours $120 something per month?"

[@sunnyskies-md5rk]

My father just signed up for Medicare through Aetna and it was much cheaper than what AARP charges. I really think since AARP is more widely known than some of the others because they advertise so darn much. They have to build all that advertising into their prices.

[@michaelmayo-vb5fl]

Your paying twice 😂😂. U paid when u was in work force lol now ur paying again 😂😂and

[@threeftr3349]

@@michaelmayo-vb5fl It's just sad what they done to seniors. And then they want to tax those singles who works over 25K and over 32k for married. The higher their tiny provisional income is... it could be taxed up to 85%. Then throw (cola) pennies at seniors for inflation adjustment, what a joke.

[@norman7179]

Went directly to U H C for healthcare and their price was $ 80/month MORE for a lesser plan with MORE deductibles than going through a broker. Dealing with ANY insurance company is a crap shoot and you'll NEVER win.

[@medicare365]

Its all about the brokers Norman!

[@getreel3515]

Hi, I will be turning 65 in march, I have some time, but researching now. As a broker, do you charge for your service? I am in 34432, are my options close to what you have listed in this video? Thanks

[@medicare365]

I do not charge for my service.

[@debbiekousmat6101]

Are you taking into consideration that you need to join AARP to ger United Healthcare?

[@winfidel]

An extra one-time $12 right now. You can quit after you sign up.

[@quintriggins6557]

AMAC is an AARP alternative. Are you familiar with them & the insurance companies they work with?

[@medicare365]

I am familiar with them but not the insurance companies they work with. Please let us know in this comment. Thanks!