Why I Would Always Choose Original Medicare.

[@carl111658]

Hate to break it to you but there are many people who simply cannot afford Original Medicare and a Medigap Plan. Then when they can afford it the rates go up every year that again forces many people out of the Medigap into a Medicare Advantage. Every case must be evaluated on a need/affordability basis. I run an Medicare Agency and have been in the business for 33 years. We have many clients with both Medigap and Medicare Advantage. Is there a "perfect" plan? The closest thing to "perfect" is a Medicare Advantage Dual Plan. You get all the goodies at no cost and no copays, you need to qualify for it. And for the folks reading this, if any agent tries to steer you into ANY plan, find another agent. You should "choose" a Medicare Plan based on your needs....... not be "Sold" one.

[@adrien_insurance]

I agree on D-SNP, I envy those who qualify

[@mitchellsmith4601]

Anyone recommending Medicare Advantage is scum and an enemy of the people of the United States.

[@richdorak1547]

Thanks for this insight. I'm almost 65 and just started looking into a plan . Mind-boggling !!!!!

[@kimdiedrich9712]

The problem is all the different videos a broker might have online going back years past, & all the parts relating to those years. Delete them! Make new videos with updated pertinent & complete content! This man is the only broker of 5 who mentioned Wisconsin being one of a handful of nonstandardized states. In this case which means there is no Plan G or Plan N. He did not say what it's named for Wisconsin, but does inform that it would include those small deductible payments that Plan N carries. Such a small additional amount of info to add by those other brokers & I have not seen any of them mention it, even though one of them was signing me up for "Plan G" and it does not exist for Wisconsin.....I'm in Wisconsin! I have no idea if it would change my premiums but it would be confusing to find out after the fact he did not inform me of these things. That is irresponsible at the minimum.

[@markfisher6211]

After watching several Medicare videos on KZbin from various other entities, I found Keith’s channel the most straight forward and down to earth. Not a flashy production like some just great info and facts. After my initial inquiry Henry reached out to me and got the process going from start to finish. Very pleased with Henry and his follow up and help.

[@bav1957]

If you are well off, its plan G and high premiums that increase year after year...if you're a regular person its advantage....didn't need him to tell me that.

[@JBoy340a]

Great information. I went with original Medicare with gap and drug plans. So far it has worked perfectly. Less worry about whether a doctor is a medical group your health insurance covers. Every doctor seems to take Medicare.

[@JBoy340a]

@@nytess2 This is another name for Medicare Supplement plans. The cover the gaps in Medicare coverage such as medication and hospitalization copays. Medicare pays first and any remaining charges are covered by these plans.

[@donthurman8189]

@@JBoy340a I’m

[@Reaper1947]

It should be obvious but I guess it's not, that if these insurance companies are willing to spend billions of dollars advertising their plans, even after all that it is still profitable for THEM and not good for you. It just makes sense that all those advertising dollars and provider profits have to come from somewhere and that would likely be less or substandard care for you and me. The biggest problem is that you won't know your plan has a problem............ until you have a problem. TheReaper!

[@miguelberrios19]

Everything you have described in this video about Advantage plans I have lived for over 22 years with my employer's Health ins HMO. I am so used to this particular system of getting approvals and referrals that it does not bother me. I've gotten hip replacement surgeries on both sides and Physical Therapies, and have had no issues with getting approvals. Having said that, I have decided and enrolled for an Advantage plan. Also, I don't have to worry either in enrolling for dental, vision nor Pharmacy. And what's more awesome about this is the fact that I don't have a monthly premium anymore.

[@hvr66]

Why would you want to stay in the sludge of an advantage plan?! i am on Parts A&B, plus G, and I am 100% satisfied at the hassle free medical facilities i can go to. My sister & her husband are on an advantage plan & continually experiences the blockades as Keith described. I have a dental & drug plans, which help. Dental is my biggest expense. i am insulin dependent, so i get my pens at a very reasonable price. I am not personally attacking you, but I could not keep quiet when I have the comparisons to make my point, & validate firsthand what Keith states.

[@richardhobbs7107]

Have been using my VA benefit . . . but as little as possible. My Daddy told me years ago if I want to be healthy . . . . stay away from Doctors ! So far his advice has been true.

[@droneview8351]

The procedure was a success but the patient died anyway...

[@richardhobbs7107]

@@droneview8351 - these things happen . . . . . these things happen . . . . . . .

[@stephencook4177]

We made our medicare choices based on your knowledge of the subject. And havent regretted it one bit.

[@MedicareonVideo]

Thanks Stephen! - Happy to help!

[@kevindecoteau3186]

Thank you, So very helpful, I will be applying for medicare next year as I am closing in on retirement age and it can all be so confusing.......thank you. Supplement plan it will be.

[@theodorejay1046]

A blanket statement that Medicaree Advantage plans aren't good is a generalization. My Supplemental Plan G & D cost me $180 per month over & above my basic Medicare premium. If you look at Kaiser Advantage plans if available in your area you get good medical care at a much lower cost with some ouf of network possibilities.

[@slartibartfast1268]

You don’t get something for nothing. How do you suppose that difference is made up? It has to come from somewhere. That “somewhere” will be the Advantage plan ultimately denying coverage down the road, possibly at the worst possible time for the client. Medicare Advantage clients are essentially playing the lottery.

[@mulinzhan4167]

I live in Asia while still paying Medicare Part B without receiving any benefit in my country of domicile. However, when major medical issues occur many retirees return to the US to have Medicare provided service - instead of paying for the medical services locally. Medicare could save significant health care costs if only they offered partial coverage to folks living overseas. That way the medical services could be purchased at a much lower cost in the country of domicile which would also reduce the cost to the Medicare system.

[@Picoline2023]

I will change my advantage plan (HMO) to the Original Medicare for sure. Thanks for this video,

[@beautyRest1]

I live in Florida, most of the retirees that worked with me have advantage plans and are very pleased. Some have serious health problems. I like original Medicare and a medigap, but then you also need to purchase dental, vision, drug plans etc, it gets very expensive. I watched a lot Videos , changed my mind a couple of times, and right now I tend more towards advantage plans, it’s a little cheaper and gives you more coverage! Also,with a good advantage plan you don’t need referrals, like I said most of the retirees have good advantage plans. I think it also depends in what state you live and what choices the plans offer!

[@robertbrost7777]

Thanks! I have a bit to go but, my ex employer offers several MA plans. If I'm not wrong, I think I saw a couple of PPO plans available on their web site. That may take care of the referral problem. I guess the obstacles are that @ $7000 cost if I end up in the hospital with something expensive and, the fact that my health needs being controlled by a private firm attempting to keep costs down. On the other side, I don't like that I'm going to have to shop for all of the ala carte needs resulting in 5 cards in my wallet! I'm in NJ, I'm sure we are high here.

[@DLTJR1959]

Agree. The Advantage plan that I will have available has the same out of pocket cost for in network or out of network. As long as the provider accepts Medicare they will pay. It is stated as a 90/10 plan with defined max out of pocket expenses every year. I know several folks that have this plan and they are extremely happy with it. No fuss no muss. No donut hole for prescription drugs. The max out of pocket on original Medicare with supplements is greater. I think that most of the folks on KZbin pushing original Medicare make more money selling those supplemental plans over Advantage plans. Not all Advantage plans are bad.

[@robertbrost7777]

@@DLTJR1959 What is the prescription “ donut hole?” Thanks

[@DLTJR1959]

@@robertbrost7777 With traditional Medicare and a supplemental drug plan there is a "donut hole" that occurs when you reach a specific threshold of cost. My father "maxed out" his prescription drug coverage every year with Insulin. Once that threshold was reached then he was in the "donut hole" and had to pay out of pocket 100% for his insulin. Most Advantage plans have a max out of pocket for prescription drugs, IE. no donut hole. You pay as you go up to the max. In traditional Medicare with a drug plan you get out of the "donut hole" by maxing out your prescription drug costs. Pop never got out of the donut hole.

[@robertbrost7777]

I’m 62 3/4. I’ve got a little to go. My former employer, State of NJ offers group MA Plans. I’m healthy, no meds for now and, until a couple of KZbin videos ago, I was sold on a MA plan. Those videos swear against MA because they say it’s managed care, up to them what care you get and that $7000+ catastrophic illness bill you’re responsible from the hospital. I absolutely hate that with a Medigap plan you have to shop for dental, eye and prescription on top of shopping for a supplement. I’d need to sit down and talk to an expert. I believe I can afford the medigap with having a pension and Social Security coming in but, if I’m healthy am I wasting money on a medigap. Ugh. Thanks

[@luisahebert4591]

I watched this video, I have medicare since 2 years ago. And a Humana agent signed me up on Medicare advantage, I didn't know anything about this.

[@Philpo999]

Thank you This info should be made public to every Med.Care. participant.

[@MedicareonVideo]

You're welcome Phil!

[@parkplace741]

I totally agree with you. Thanks. I am in S. Korea and can't download your book. Perhaps when I go back to States, then I might be able to.

[@dakotaiv]

We live in Clark County, Nevada (Las Vegas area). We have two advantage plan options with an HMO that covers all our providers and prescriptions (Select Health & Aetna). It is the same medical HMO network that we used in our working years, so we are familiar with the network - it is extensive and quality in our area. The max out of pocket is $1,000 and there is zero monthly cost for this Advantage plan. Some locations like Clark County Nevada do have great Advantage plan options.

[@gym_bob]

I am already in a Medicare advantage plan. Am I allowed to cancel that in favor of a Medicare supplement plan?

[@MedicareonVideo]

Yes, you have the option to cancel your Medicare Advantage plan and switch to a Medicare supplement plan. However, there are a few important factors to consider before making the switch. Firstly, you must check if you are within the enrollment period for Medicare supplement plans, which typically lasts for six months after you turn 65 and enroll in Medicare Part B. Additionally, it's crucial to review the benefits and coverage offered by both plans to ensure that the Medicare supplement plan provides the necessary coverage for your specific needs. It is recommended to consult with a licensed insurance agent or Medicare expert who can guide you through the process and help you make an informed decision.

[@Picoline2023]

I tried to switch to original medicare and it is not possible. A lady told me that if I did not enroll in a plan that covers medications, Medicare would charge me (penalty) at the 62nd day of the change. When I contacted an agent he explained to me that there is no coverage for medications only. ❓❓❓ Can someone please help me ❓❓❓ thanks.

[@micheleyoungblood]

Don't just write a reply on his comments. He obviously is not answering everyone. Take initiative and call the phone number. You need a separate prescription part D plan if you switch to a Medicare supplement plan or you will have a penalty each month you don't have one and it will stay on for your life even when you get one. So don't switch off advantage until you have an agent tiu trust get you on the best supplement plan and drug plan that covers the drugs you are in and check drugs you may need potentially in future and what tier they are in. Also need to pass medical underwriting questions for the supplement plan. If you are healthy you should have no problem. Don't change anything until you have both in place You need to listen to more KZbin videos from this gentleman and others and educate yourself so agents don't take advantage of you.

[@knowsenough2bdangerous]

Amen. If you can afford to stick w/Original Medicare, why would you cut yourself off from the experts in whatever odd problem you have who may practice at Mayo Clinic, Cleveland Clinic, Johns Hopkins, UCSF, UCLA, Cedars-Sinai, Massachusetts General, etc?

[@butalina]

One Question, can you go over Dental plans...as I understand Medicare offers no dental...But Medicare Advantage does, In my book Deciding to go with Medicare Advantage for dental is a big mistake.

[@g0989]

MA Advantage dental may be OK for those with routine needs, like preventive and maybe a filling here and there. For those with chronic dental issues, probably better to look into more comprehensive dental plans. I think most people choose MA for the low or no premiums, and the usually included Part D prescription drug coverage, more so than the other included benefits.

[@butalina]

@@g0989 I don't like the idea for pre approvals for just about everything...With Medicare Advantage I believe in the long run, you have more headaches and will cost you more. Many of the doctors where I live do not take Medicare Advantage.

[@evinchester7820]

I use to work in the Seniors market. Take the original Medicare. Now the only exception to this is that you are in such a financial hardship, take the HMO or other such provider. Use to be if you went with an HMO you actually were removed from Medicare. And then you had to reapply to Medicare. There were only three ways to get out of a Seniors HMO back then. A. Move out of the area to another area where that Senior HMO didn't have any coverage. B. The HMO dropped the area you were in. C. You died. And I did see that happen. Medicare costs more, but it is worth it. Sadly, I met seniors who were on Medicare who when informed, were told that they actually qualified for Medicaid. Why? They didn't make enough money.

[@montyziebell1077]

I have Medicare Advatage with zero premium and have fantastic coverage. I can see pretty much any doctor I want because almost all the doctors in the area are included, plus I have great dental and vision and hearing aid coverage. This guy has an agenda.

[@kimdiedrich9712]

The only thing I'd say to that is all the area MDs are going to for the most part listen to another ADVANTAGE HMO & PPO MD over anything you say. For those with chronic autoimmune or Epstein Barr or Lyme, this can really hurt a person to be in an HMO. The supplement plan allows you to see any MD in the COUNTRY that accepts Medicare. Advantage plans are also managed Healthcare plans that have the authority to deny you the care you want asap. My mother had that happen & she finally got an MD to see she needed thyroid meds at 90 yrs of age. How much more pain free her life would have been if the damned Doctor she had seen had helped her with that at 70 yrs. Does that help?

[@sustainablelife1st]

100%

[@marietgagliardi]

Wow, all the sudden I am turning 59 and worrying about Medicare. How did this happen? I still feel 35. Thanks for making these videos. I need help!

[@debrasaturday2593]

I have talked to a licensed agent. They said to get a MA PPO. I like PPOs, as my experience with them has been great in the private sector. My mom has a MA HMO in Florida....and it always needs pre-certs and referrals. Plus, the HMO constantly changes doctors as doctors stop taking the hmo. So, I have some chronic issues. I don't need to jump through hoops to get care. YET, the ppo the agent offered says in or out of network is no problem. It isn't very clear, to say the least.

[@micheleyoungblood]

If you have chronic issues I would think very hard about what this agent is trying to sell you. Most agents make a lot of money on Medicare advantage plans initial enrollment and even more money than supplement plans on their annual renewals. What is the max out-of-pocket on this PPO plan because if you have chronic illness you may reach it every single year. Who are the doctors that you see on a regular basis and do you want to keep those doctors? A PPO plan still is a network of doctors even in other States. So make sure who takes the plan if you want to see a specific hospital organization. Also they can still make you jump through hoops for prior authorization. What drugs are you taking? Does the drug plan in this PPO or HMO that this agent is trying to offer you, offer the drugs that you're taking and at what cost and what tier are they in? This can change annually. Every year annual enrollment you must look at drugs and doctors before staying with the plan. If this agent is trying to sell you an HMO plan that has an even smaller Network and you say you have chronic problems, you need larger Network to move around. I recommend you start listening to a lot of other people here on KZbin, call some of these agents and then find out what other people are recommending for your situation, and not listen to One agent trying to sell you something. Please educate yourself before making the biggest decision of your life. If you have chronic problems you may never pass underwriting if you try to change from an advantage plan to a medigap plan again. The decision you make when you first enter Medicare could be your last. You do have 1 year I believe to switch back to Medicare but I'm not sure the rule to get the supplement without medical underwriting. Download his book

[@franksmusic2880]

I just recently enrolled in an advantage plan ppo, $175 a month. All my specialists are on the plan and all the drugs I take are on it. The only thing that looks expensive is the hospital stays. I will see how this goes for this year, I can always switch out next year to regular Medicare.

[@MustangSally7259]

I took original Medicare with a supplement and Love it!

[@MedicareonVideo]

You won't have to slow that mustang down at all!

[@captainkangaroo4301]

Young man, I have a couple of questions. I am turning 65 this year but I plan to work into my 70’s because I love my job. I currently have a good high deductible plan through my large employer. Can I drop that employer sponsored plan and file for original Medicare with a medigap plan even if I am not going to file for social security? Should I do so? If I can and should can I still contribute pre tax dollars to my HSA for dental and vision expenses not covered by Medicare? I realize I can’t continue to contribute to my HSA if I file for social security. I live in Minnesota if that makes a difference.

[@tonystorcke]

If you have invested in it for years you generally are at financial disadvantage to leave a supplement. Health changes and fear of never be able to come back are the disadvantage. Guaranteed, sometimes frequent premium increases as well are also reasons why you might avoid going with nedicare+supplements. If you can afford it or need frequent expensive care, go right ahaid.

[@cyndidavidson3381]

How is medicare part B only $233 Annually? I even googled the cost in 2022..it's $172 a month now....what am I missing?

[@leatharay3565]

Thus far we have been on Medicare advantage w/o issue. Fortunately my husband is a veteran so we do both. My Dr gets referral quit. I pray it continues. All my drugs are covered 0 co pay. We cannot afford a Medicare supplement…also goes up. No premium 110 er and no p.c pay…..all we can afford

[@melcryarfineart]

What if you simply can't afford the monthly premiums Medicare original A&B?

[@sustainablelife1st]

that's my situation. You do not have to sign up for B. If you are below a certain income level, you can get medicaid. but if you are in no man's land like me, can't aford B and not eligible for medicaid, the A is all that is available.. So, I just get A and never go to doctor. If I have a major medical expense, i will just have to file bankruptcy.

[@raquellee3788]

How much more it would cost to just keep medicare and what insurance company would you recommend to cover for the 20% that Medicare will not cover. I've been used to going to any specialist wherever I want to go but now I have to get referrals I hate that it's so inconvenient.

[@chloeconniecarlton328]

Hi..I will be going on Medicare on Oct 1st 2022.. I'm going to need Cataract surgery on one eye..Will Medicare Part A,and part B,cover all of my expenses,or will I need to add,a,part G, supplement?? Thx

[@josephgarceau6753]

Cataract surgery is considered Outpatient Surgery and under Medicare part B is 20%. So you will have a 20% coinsurance. As you are new to Medicare, I would recommend consulting with an independent broker who can advise you on whether to enroll in a Medicare Advantage plan or a Medicare Supplement (Medigap).

[@sinebar]

That plan G supplement is quite expensive. I wouldn't think most retired elderly folks could afford $300 or more a month on a fixed income.

[@sustainablelife1st]

this is very decptive. plan g is $3780/year in my area. so, 175/mo (B)+ 315/mo (G) = $490/month +20/month part B deductible = over $500/month ($6100/year) for A,B +G. And that goes up 10% per year. And that is even if you don't use it!

[@MedicareonVideo]

I don’t know anywhere in the country where plan G is that expensive. NY is the highest cost state. If it is anywhere near that price then G is NOT the plan to buy.

[@JoseGarcia-oo4mc]

Great video , butt the problem is the cost . For me regular Medicare is about $330. a month Can’t afford

[@v1-vr-rotatev2-vy_vx31]

Had Medicare disadvantage for many years, kept running into walls no I can't help you with that is what I hear from too many doctors and I ended up with too many doctors that would not help because they didn't want to look bad on their expenses to Medicare. And a specialist would take 3 months to get in to see them, Never again

[@shelleyzoe8254]

I worked for kaiser have been with kaiser for many years. I am turning 65 and I just want to stay with kaiser, is that an advantage plan or original Medicare to do that?

[@micheleyoungblood]

Advantage

[@Ke-qv3md]

I keep getting a parsererror when I try to download the free guide. I am so lost. I am on a supplement, But not sure if it is right? Sounds like I am making the right decision.

[@MedicareonVideo]

Hi Ke- our book download link was down today, but should be up running tomorrow! If you email [e-mail], she would be happy to send you a copy

[@jojowhite9296]

When I reached 65 in about 15 months I'll have to keep my current FEHP gue to my wife's age. My wife has high medical cost due to complications from type 1 diabetes. When my wife DOES turn 65 would it make sense for me to keep my FEHP along with part B or switch to full Medicare plans? Currently, I pay about $430/mo for my health care plan.

[@lorilatta3996]

I just turned 65 I too have FEHP, Blue Cross to be specific. I switched from the standard to the lower Blue Cross as my supplement plan and have Medicare. I never pay for anything except my copay for drugs. I travel and never worry if I am covered everyone take Blue Cross and Blue Shield. Hope this helps.

[@michaellukehart4276]

Hello Sir...First time viewer...I'm 65 from Oklahoma city...but have been living in Manila Philippines the last 4.5 years...Can you help ...what's best for me

[@friendsofjandt]

what if you're on disability and don't qualify for the supplement plans? isn't there no cap on what you might have to pay with original medicare?

[@sharons4611]

I don’t think it’s that black-and-white. I had knee surgery for years ago and I only paid for one night stay in the hospital. Under $300. Now after my second knee surgery I get a suggested bill that might be coming my way of almost $1600. On the first one I had Medicare advantage, and then because of where I live now I had to go to a Medicare supplemental plan with high payments. Comparison shopping is necessary based on your needs

[@jm-bv1wh]

There are no "suggested bills" with any licensed Medicare supplement plan. There is no way that you would get a bill of $1600 for any procedure with a Medicare supplement plan from a licensed provider like Aetna or Humana. You don't know what you are talking about.

[@jackzeldon2883]

I've had straight Medicare for over a decade - Medicare Advantage is a Disaster but so are Supplemental plans - I have Never had a supplemental plan & I am a stage 4 cancer survivor who has had literally Millions of dollars in surgeries & treatments during cancer & post cancer & Medicare covers EVERYTHING except Co - Pays & Part D expenses.... People are very uneducated on how these plans work & Private Insurance take advantage!

[@josephgarceau6753]

@@jm-bv1wh Not necessarily. There are 10 different Medigap plans. Some are more comprehensive than others. Plans differ by state as well. It is possible that he had a bill of $1600 with a Medigap plan. Each person's situation is unique. Sometimes Medigap is the best option and sometimes Medicare Advantage.

[@brocklanders6969]

@@jm-bv1wh Yes, she does. It depends on the plan. High Deductible G will result in that $1600.

[@andrewroesler2689]

so if u do end up going medicare advantage do you put the customer on a hospital indemnity that will cover most of the major copays as well as a cancer plan which together will bring them to paying close to the same as they would a supplement , plus on the advantage all the benefits built into it like the free gym memberships, meals on wheels after surgery, the over the counter benefit u get once a quarter. just wondering how you go about it. when I am with a new client I always give them the three choices between plan G,plan N, MAPD with a indemnity and cancer plan attached and let them chose what they are most comfortable with. Have had a few times where I couldn't recommend staying on a med sup because they were on old plan Fs and paying a arm and a leg but because of a medication they were taking couldn't qualify for a rate reduction, but took them from 500 a month in there plan F to 120 a month on a MAPD plus Indemnity and cancer. If I had been able to qualify them I would have kept them on a med sup though. and yea with MAPD you do have networks but at least now most of the companies are adding a point of service to there plans that way its more nation wide then they used to be. sorry for kinda rambling have had a slow day. do you ever go to any of the big insurance conferences like 8% or medicare con?

[@DannyTheIrishSwede]

Say I go with A&B + G and then choose D for prescipts. Am I good there; does that cover everything, or do I still have to go search out and purchase separate hearing, visual, and dental plans on top of that?

[@alansach8437]

You still need hearing, vision and dental. Or, pay cash, which is what I do. I was looking at dental. The premium was like 750.00 a year. The maximum payout was 1500.00 a year!! If I use it all, my maximum payout is really 750.00. 1500.00 minus the premium! If I don't use it I'm just giving money away because payout will never be more than 1500.00! May as well put the premium in the bank!

[@paula4910]

Dental hearing and vision ae a waste of money

[@frankd3505]

Nice video, in Florida the Medigap policies are expensive, some from $150 to $800, $900 month , add a drug plan ,maybe another $40 to $150 month, I have an Advantage plan type PPO, with some coverage out of States, dental etc. Good anywhere medicare is accepted in USA. If its yourself and spouse cost can be very expensive for retirees . Wish we had National health care like every other wealthy industrialized Country, health care is just ridiculous this Country

[@dawn2508]

Which one do you have? My mom lives in Florida with advantage plan but not sure it’s that good

[@frankd3505]

@@dawn2508 aetna ppo ,premier plus, had minor surgery recently, total bill sent was 59,000 $ 4hours total in hospital ,lol, i paid $350.00 out of pocket total, pretty good, but have no idea if get a chronic disease how it pays, or how good etc, but it was crazy costly for medigap plans here Palm beach Cty, plan has some dental eyeglass, hearing aides & some coverage out of country,also works in all 50 states

[@brocklanders6969]

@@frankd3505 It will pay good. I have hundreds of disabled clients on MA plans here in GA and I rarely get a complaint. When I do, it is about the cost of some Tier 5 prescription which would be same with any MA or Part D plan. Stick with PPO plans and you will be fine.

[@vickVIDEOs3682]

You should move to a socialist country with poor population & NO human rights. They have very affordable ( low quality) Medical Services which are very cheap up there but people I there have NO freedom. Some people here dream about how to make\earn big money, pay little taxes, keep big savings, low cost of living, cheap goods & services, affordable housing, all freedoms, and huge benefits with big discounts from government. ALL these in one package

[@frankd3505]

@@vickVIDEOs3682 well, most of western Europe seems to have solved the National health care issue, but what do they know, their countries have only existed for few thousand years, I pay for Insurance in States, and I cant get an appointment with my own Doctor for 2 months, and lets not forget how easy it is to get Bankrupt by medical bills if you acquire an acute illness. this is For-Profit health Care, great health care if you are very wealthy here.

[@butalina]

I am 64...I thank you for this info..I will go with original Medicare..

[@MedicareonVideo]

Good choice

[@butalina]

@@MedicareonVideo I can afford it, I am very lucky that I receive Social Security and a City Pension for life which transfers to my wife if I pass before her.

[@maryjoseph5485]

Helpful information . Thank you sir😊

[@rufday1395]

Always get a second opinion. I'm an Insurance Broker in Central Florida specializing in Medicare Advantage Plans, and here's my Opinion: Original Medicare is a great choice for the Top 20% of earners (Americans earning $100,000 or more each year) because they have Disposable Income! The other 80% and people living Month-To-Month on Government assistance (about 1/2 of the 80%) can't afford the Very High monthly cost of being on Original Medicare + a Supplement + a Drug Plan. Here are the Very High monthly costs you will have to suffer through (which this guy never mentions) on Original Medicare: (1.) Monthly Supplement Plan: $180. (2.) Monthly Part B Premium: $170. (3.) Monthly Part D: Drug Plan $55. (4.) Annual Part B Deductible: $233. Monthly Total: 180 + 170 + 55 = $405 (Very High monthly cost) Yearly Total: $405 x 12 = $4,860 + 233 = $5,093 (Very High yearly cost) When you have all the information, making the best choice that's right for you is easy! 😆😎👍

[@miguelberrios19]

Sir, I totally agree with you.

[@lorilatta3996]

This is not true information. I have both of my parents on Medicare, one 88 and one 92. They have always had a supplement plan which covers everything that Medicare does not pay for. Also, they have a part D plan for drugs. They have had so many surgeries, hospital stays, stoke, over the years and they have not paid a dime for any of them. I know I take care of their bills. They make about $24,000.00 a year on Social Security, and they own their home, that is it. Advantage Plans are like HMO's and if you get really sick or get hurt from a fall, you better have some serious cash because your out of pocket can be very high. These Advantage Plans are nothing but a money grab by the Insurance companies.

[@rufday1395]

@@lorilatta3996 Yes, I will write a supplement plan for two reasons, ONLY: (1.) A Client with serious health conditions, like you covered above. Great Job, Lori! (2.) A Client who travel these United States on a consistent bases for business and or, pleasure.

[@sinebar]

LOL! Yeah there's a reason MA is cheap. You get what you pay for.

[@rufday1395]

@@sinebar A Medicare Advantage Prescription Drug (MAPD) plan is not cheap, it's SMART! Why didn't you present some real numbers as I did, instead of offering a weak lying insult. Because you know real numbers DON'T LIE! Please get some help ...

[@clairebear1808]

I am going to do this I have numerous issues.

[@ST-lt4ls]

I’ve got an 85 year old dad with original Medicare. He had to drop his supplement because it was almost $500 a month!!! He lives off social security so he couldn’t afford that. Anyway, he is thinking he may want an advantage plan. Can someone tell me if it would be worth it for him to enroll in an advantage plan?

[@reneemorris7197]

I wish you were around when I turned 65, I would not have as many grey hairs as I have now. Smart Choice!

[@robertbrost7777]

Some may not be able to afford original plus supplement, plus prescription plus dental.

[@namastemcl]

I thought that too but what concerned me is my sister is a Nurse Practitioner and she said the Advantage plans are horrible. The docs have to fight to get services approved and many times are denied. Plus Advantage is fine as long as you don’t get sick

[@beautyRest1]

That’s true, they get very very expensive, cause you need dental, vision, drugs, hearing…….With an advantage plan you can also choose no referrals, some are really good. I asked a lot of retirees and most have advantage plans. At the end of the day, it’s all about the money!

[@belindadavid3241]

@@beautyRest1 I have an advantage plan but I need referrals when I need to see a specialist.

[@beautyRest1]

@@belindadavid3241 my friend that retired with me had an United healthcare aarp advantage. She pays nothing for it and can see any doctor (in network)without referrals. And she had a heart condition!

[@beautyRest1]

@@belindadavid3241 it might be different in different states

[@deniseblackwelder6643]

I was told by an agent if they sell you an advantage plan ( possibly around 500.00 commission) if they sell you a supplement plan ( they get commission around 200.00 - 250.00). So they would rather sell you an advantage plan. Everyone should choose what makes sense money wise to themselves.

[@nancysmith-baker1813]

Thank you , Thank you for educating us .

[@gaetanomaximus8650]

Nicely stated. I've got a Plan G... best thing since sliced bread.

[@wthomas5697]

Is it possible to opt out of part B if you go on social security? Forever?

[@sustainablelife1st]

yes. just don't sign up for B in the first place when you get the card. you can still opt out later, but they make you do an interview to make sure you understand what you are doing. Medicare is a scam.

[@wesm3848]

Not sure your logic applies in all cases. I am in the highest IRMMA brackets for 2023 and likely beyond which makes my premiums very high for part B and D you can look at the tables. Original Medicare and a medigap, means you also need to purchase dental, vision, drug plans etc, it gets very expensive I am still working so medicare is not a consideration for the balance of 2022 but I am not so sure Part C isn't the better option if I stop working in 2023. Lots of factors to consider. To state that in all cases original medicare is the best option may be a bit misleading. For the benefit of those looking in, you might cover why one might consider part C unless you really believe part C isn't for anyone. I am thinking original medicare might be a better option for me but many factors to consider. I do travel and plan to continue when I quit my job, and I may live part-time in South Florida in the winter so network coverage may be an issue.

[@michaellukehart4276]

I Greatly Appreciate any help ...

[@robertfindley921]

Thank you! I've been trying to tell my family these things to no avail. Why in the world would things get better when you turn everything over to a greed focused for profit company run by a fantastically wealthy executive board? And as I understand, once to go to Advantage, you can only go back with a HUGE penalty and maybe a delay.

[@micheleyoungblood]

No I don't think there's a penalty to go back to Medicare from Medicare advantage. Actually if you do it within one year, from my understanding of watching various videos on KZbin, it's a no-problem switch. Now the question is in this situation can you get a supplement plan without underwriting. Hopefully Keith can come on here and answer that question. Otherwise if you've been on Medicare advantage for several years and you want to switch back to Medicare you can do that anytime. Now the question is getting the Medicare supplement plan which needs to be medically underwritten and if you can answer those questions 20 or so questions they have to be approved for tge supplement plan. You don't want to leave your advantage plan until you have your supplement plan in place. And I believe you can do this anytime of the year. I may be wrong on that; I know that if you're on supplement plans and you want to switch a plan you can do that anytime of the year. Whether you can leave an advantage plan to a supplement plan I'm not sure if that is any time during the year or only during these time periods specified.

[@francesowens1985]

I have Humana with medicare, is that medium are advantage or just a suppliment??

[@sweetpeasmom3580]

Can you do a video on Dual Complete plans? I live in New York and I'm new to Medicare. I was not eligible to sign up for a supplement plan because I also have Medicaid. Thankfully, my doctors are in network. I've never liked surprises but so far, the benefits "seem" great. I would appreciate your opinion of these plans. Thanks.

[@bonclymew5069]

I live in NYC and you are set if you have Medicare & Medicaid. United Healthcare Dual Complete is the Medicare Advantage plan only for people with Medicare & Medicaid coverage. Basically, you don’t have to pay a penny out of pocket because Medicaid pays the 20% that isn’t cover by Medicare. It’s the ultimate plan for New Yorkers that are eligible for it.

[@rustynail3630]

I have an Advantage plan and love it.

[@mhw313]

Over the course of a year, the out oof pocket for Original Medicare is the monthly Plan G premium cost (which goes us as you age) PLUS the annual deductible. Comparing with Medicare Advantage, $0 monthly plus $7500 max, original medicare plus supplement is a winner,. Monthly costs are predictable whether you have a medical crisis or not. With Advantage, monthly costs are not predictable. In my experience, medicare advantage is most likely to be selected by folks who have very ittle retirement income, because they think the low monthly premium can fit into their budgets, neglecting to add in the copays, etc that add up fast. It would be helpful if someone presented these facts when selling medicare supplements vs advantage.

[@sustainablelife1st]

that assumes you max out your benefits. I never go to the doctor nor plan to. and I don't have an extra 300/month, on top of ht 175/mo, for plan G. If you go to the doctor regularly, and have money to burn, G is fine.

[@johnthompson7420]

If you are healthy and don't maintain elaborate relationships with doctors why is "wide choice of doctors " the overriding factor? I just don't buy that. that part C seems to plug a lot of holes for a lot cheaper.

[@johnthompson7420]

Curious about this guy's commission structure.... AND there are a LOT of doctors not taking medicare, so much for choice.

[@josemcolindres620]

In Florida the premium is $157 every month for plan G. That's a lot, if you don't have it.

[@javierruiz1710]

How come nobody's talking about how to get out of this how to exit the system just give me my Goddamn whatever money you owe me because you taxed me and then let's cut the umbilical cord and I don't have nothing to do with you ever again I don't have nothing to do with Social Security if I can get my money back or some of it back I want to get it back I don't want Medicaid Medicare social services I don't want s*** from the government

[@tonydimambro2325]

The most knowledgeable information I could find, thanks for making this daunting process so easy.

[@MedicareonVideo]

Glad it was helpful!

[@MustangSally7259]

Thank you!

[@MedicareonVideo]

You're welcome!

[@earlt911]

Where do you get coverage for: Optical, Dental, Hearing ?

[@MedicareonVideo]

Reply: Great question! While Medicare does not typically cover optical, dental, and hearing services, there are additional options available to get coverage for these services. For optical coverage, you may consider purchasing a standalone vision insurance plan, which can help cover the cost of eye exams, glasses, and contact lenses. Alternatively, some Medicare Advantage plans offer vision benefits as part of their coverage. When it comes to dental coverage, original Medicare generally does not include dental services, including routine check-ups, fillings, or dentures. However, you can explore standalone dental insurance plans or consider enrolling in a Medicare Advantage plan that includes dental benefits. For hearing coverage, original Medicare typically offers limited coverage for diagnostic hearing exams. However, you can look into Medicare Advantage plans that include hearing benefits, such as coverage for hearing aids and related services. Ultimately, it's important to research and compare your options, including standalone insurance plans and Medicare Advantage plans, to find the coverage that best suits your needs. It's always a good idea to consult with a licensed insurance agent or reach out to Medicare directly for more detailed information on coverage options.

[@earlt911]

@@MedicareonVideo Thank you so much for the information!! I see you put down Medicare Advantage Plan? I think you were not too hip on the MAP.. Maybe as an additional supp beside the Original Medicare? Thank You!

[@krisb7465]

​@@MedicareonVideoMy AARP UHC Medicare Supplement Plan offers the Dentegra Discount Dental Plan, plus a discount optical plan. Look into it.

[@sustainablelife1st]

gotta pay more. unless you get a MA.

[@kittyskid1]

Retiring from teaching July 31. Signed up for original Medicare Parts A/B. Where do I go for Supplements D and G.

[@MedicareonVideo]

Yea for you! Give us a call and we can walk through the choices. 877-885-3484

[@josephgarceau6753]

If you retired from teaching you may not need a Medigap policy. You may have retiree coverage through your teaching job. Your options will be different from those who do not have retiree coverage. Especially with Prescription coverage, as most retiree coverage does not have the "Donut Hole" or Coverage gap for prescriptions.

[@kittyskid1]

@@josephgarceau6753 thank you

[@sustainablelife1st]

ther are agents everywhere. find someone local if possible.

[@rolandjaudes3041]

Isn't original medicare with plan n or g an advantage care plan anyway ? Is your idea of a supplement plan..n and g plan ?..

[@bobsmith1484]

Excellent advice, agree 100%

[@Mofjos]

I agree I have G plan however I don't get any dental, supplements offer I hear implants. Is that true dental is my biggest out of pocket cost yearly

[@MaryBethMcCoy]

There are separate plans you can purchase for dental only, or you can get a plan that will cover dental, vision and hearing.

[@beautyRest1]

@@MaryBethMcCoy …and these plans are advantage plans, sorry, but they give you more coverage. It all depends on where you live and what your individual circumstances are!

[@MaryBethMcCoy]

@@beautyRest1 The OP said they had Plan G, which means they have Original Medicare. They need dental coverage. I simply told them they could get a separate plan for dental coverage or a plan that covers dental, vision and hearing. That has nothing to do with an Advantage plan. I have one and they do not work like an Advantage plan. There are no networks. You seem to be attempting to make the point that Medicare Advantage is better coverage than Original Medicare and a Supplement, but I don’t think that is true. Yes, Medicare Advantage plans do offer some dental, vision and hearing coverage, but it is very basic and minimal. The Part D drug coverage is also typically included, but you are stuck with their set drug formulary which may or may not meet your needs. But, the main drawback with the Advantage plans is that you are usually locked into a network of doctors unless you are willing to pay considerably more to go out of network, and the insurance company gets to dictate what care you are allowed to get- not your own doctor, so you have no control over your own care. The insurance companies who manage your care are for profit companies, so their focus is on saving money for the company and finding ways to improve their bottom line. They are often not doing what is in the best interest of the patient. Advantage plans can be a good choice for some people, especially in situations where finances are limited or you live in a large, metropolitan area where there are many plans, doctors and services available. However, studies have shown that if you ever need major medical care, people on Advantage plans often get denied needed care and typically end up spending lots more money out of pocket than if they had Original Medicare along with a Supplement, due to the copays, co-insurance and yearly maximum out of pocket expenses they are required to pay.

[@beautyRest1]

@@MaryBethMcCoy both have their good and bad, but some people just cannot afford over $300 for insurance, whereas advantage plans are typically cheaper. Like I said, two of my coworkers (we retired now) have each a different advantage plan. Both of them have heart issues, one of them serious problems, but they are very pleased with their plan. It’s all about the money in the end.

[@MaryBethMcCoy]

@@beautyRest1 Yes, as I mentioned, Advantage plans can be good options for people with limited finances, especially if they live in a larger city. However, it depends where you live. I don’t want people to think that going with Original Medicare combined with a Supplement always means it will be super expensive. It depends on your state and which company you go with. Costs can vary drastically between insurance companies for the exact same coverage. I think what is most important is that people should seek out an independent broker who can research all of the options available to them so that they can find the best coverage that meets their needs at the best price.

[@The_Temple]

Not always a choice … depending on State relating to those qualifying for Medicare via two years on SSDI

[@masterlee4370]

There are a few actors not liking you so much right now, but all of us watching this video is loving it. I am thinking my total premium will be about $400 to $450 a month for B,G, Prescriptions, and whatever else you advise. But I would much rather go that route and have the peace of mind. It is a no brainer. I won't be saying "Dynomite" like JJ Walker, but I will be saying "PI-YAHHHHH" like my son says lol.

[@MedicareonVideo]

Would bet heavy none of the actors are on Medicare advantage :(

[@dawn2508]

Many retires cannot afford $400-450 a month on top of everything else

[@miguelberrios19]

Easy for you to say, you have the funds to afford a Supplement plan at this outrageous cost, most of us can't afford that luxury, and even if I could, I would still have signed up for the Advantage plan.

[@sustainablelife1st]

glad you have $400/month to burn!

[@ptl4761]

Great information!

[@karahamil3657]

Do you have vids on how to choose supplemental insurance … I def want original Medicare … it must be more expensive though ????

[@MedicareonVideo]

kzbin.info/www/bejne/iYO3qH9roNKtY6s plenty more on my channel

[@lyndayoung8761]

Actually the Max out of pocket (MOOP) for Plan G is the ANNUAL G premium +$233 B DEDUCTIBLE or $1500. Add the Part D premium (assuming drug plan copays are equivalent) for cost comparison (MAs in our county don't have D premiums but elsewhere they may). Still that is way below the MOOP of most MA plans which can cap at $6700/yr or PPO MOOP in and out of network at $10,000.

[@TheJimprez]

The base in my province is 90$ max out of pocket per month for meds (or 1000$ per year) And ZERO for care... All you have to do is pay income taxes that are actually marginally LOWER than in the USA... I make about 40K a year now (I'm taking it easy with 3-4 day weeks now) and pay about 5000$ in income tax after my personal tax credits and exemptions kick in. That is a bit over 12%... You guys get told a lot of bullshiat about Canada by a bunch of liars that want to keep on milking you. I NEVER waited for health care, because I'm actually sick or hurt when I show up... People that have a little splinter in their finger, a small cold, or a sprained toe... WAIT FOREVER, until they get the point and go home, to rant about the long wait times here... I worked in a major trauma emergency for years. We got accidents, compound fractures, suicide attempts, broken backs and necks 24/7, how long do you think an idiot with a runny nose is going to wait there, instead of in a family doctor clinic, three streets away??? It's FREE, so dumb people abuse... I am WAY PAST the million$ US insurance cutoff point. I had a broken back, neck, femur, got brain surgery and a total hip replacement with a new 20 year joint (instead of the usual 10), plus home visits by nursing and physio staff, FOR FREE!!!! That is not socialism, that is a society that shares and CARES!!! And yes, has its own problems, too. I'm honest. It's not the best system on the planet, but compared to most others... You get the idea.

[@sustainablelife1st]

the thing is you pay for Plan G whether you go to the doctor or not. you only pay the moop with MAs if you go to the dr. with G you pay a lot more if you are not a heavy user.

[@stanlogan7504]

Thank you

[@johnlupo3919]

I AM GOING TO NOT:IMMA!!!!!!!!!!!!!!!!!!!!

[@jayneplotner610]

Extremely helpful in making Medicare easy to understand!

[@timmayeaux2743]

because the gov't. (our employees) will lie, cheat and steal from their employer. We need to secede from the evil empire called Amerika, stop paying to be abused, prove we are NOT stupid.

[@joycepearljones4907]

Thank you, I have been working for Medicare 5 years. I have employer coverage by Maximus until tonight. This is the first time I have ever heard a consultant say they personally and for their mom would always chose Medicare plus a supplement. What if I had ovarian cancer in 2009; What if I have had a mini stroke and what if I am 72 years old? And I will have no Employer plans after tonight??? I am already set up on a MA Humana PPO plan. My coverage will end tonight. Should I go online and add Original Medicare and a drug plan; if I have to take a health test and can't get a supplement plan G or N? Also, how likely is it that Social Security and Original Medica and a Drug Plan or Supplement can make this changes in 3 days so my rent check won't bounce?? and I get charge 100.0 on a late fee from PC of A apt complex?? Joyce Pearl Jones, Medicare CSR, emeritus

[@sowhat8087]

Does one always have a choice or can you be forced onto a medicare advantage plan ?

[@davediamond7228]

pre existing conditions will keep you out of a medi gap plan

[@micheleyoungblood]

You always have a choice, even with preexisting conditions when you first sign up for Medicare Part B. If you have pre-existing conditions at this time you want to get a Medicare supplement Plan if you can afford it. The plan N and premiums are usually more stable than the Plan G if you can afford the office visits which are usually not that big a deal. If it's sometime in the future you cannot afford the premiums you can always switch to Medicare advantage. You cannot go for Medicare advantage to a supplement if you are sick. If you have pre-existing conditions when you get onto Medicare then get onto a supplement first. The High Deductible G plan if you can find the deductible which increases annually and currently $2700 (includes the plan B deductible) is an option if you have the deductible in the bank and available to use each year. Premiums are low around $30 to $40 except states like Florida which have high supplement pricing and may be closer to $69 or $70. You will get bills for the 20% until your out if pocket hits the deductible. annual premiums don't increase as much percentage wise as the plan G or even N annually. Just options. I will take the HDG over an advantage plan and most advantage plans you pay the co pays and co insurance up to max out of pocket of $5000,$7500 depending on plan. Read fine print. One HDG hits the deductible it covers just like the regular G plan at 100% Medicare advantage has networks, even the PPO where supplement does not.

[@sustainablelife1st]

you only get A automatically, and for "free", everything else is a choice, even part B.

[@zenaidacamba3891]

Exactly they say advantage to them not to the patient, the government money goes to insurance company and will dinied all ur prescription medications and would want you to take what ever medication.

[@briannahenwardpersonal]

Not if you have Medicaid - absolutely do not get a supplement if you have medicaid, some states won't even allow agents to put you on one. :)

[@flexjay87]

Sounds like part g costs more, but covers more ?

[@Jim-bh7gs]

Supplement average monthly premium $100? Is that just year 1? At 75, I am paying $322 p/m for plan F. Due to a medical complication, I was unable to switch supplements ("underwriting") last year, but found nothing anywhere near as low as $100. I was searching for planG,which my current insurer does not offer in my state.

[@MedicareonVideo]

Hi Jim - what state are you in? Yes - the $100 is first year. We try to manage increases when they come. Plan N is the most stable these days. Plan F can be the worst for increases because it is 100% coverage. People use it more because of that.

[@jackzeldon2883]

Supplemental Insurance is a Massive rip off.... they do NOT cover 20% - they cover "20% of what's left" & this applies only to doctor visits - so after $200 Deductible - you're bill from a Doc is $20 if you have Supplemental they pay $4 or 20%..... I have NEVER used Supplemental plans b/c they increase as you age & pay nothing except the initial Hospital Co-Pay ($1400).... Call Medicare & pick your Own Part D plan & dump the Supplemental & stay far away from Advantage plans..... I am a Stage 4 metastatic Cancer survivor & Medicare has paid Million in expenses..... I paid the Yearly Deductibles of $200 & $1400 for A & B & my Doc co -pays & ER - so that's $1,600 out of pocket per yr (if I need a Hospital stay) but if I used Supplemental I'd be paying them between $2,400 (200/month) & $4,800 (400/month) per year over 10 yrs so far which equals nearly $30,000 per decade on Avg...... They are Both scams & I've gotten many friends & family to dump the Supplemental by pulling out their Bills & showing them what is actually paid & by who.... The Trick Supplemental plans use is they help you pick you Part D plan so people falsely believe Supplemental & Part D are a package.... The major problem is 99% of Americans know little to Nothing about how Health Insurance works b/c the employer has always paid for their plans..... My Sister went into Credit Card debt paying her Prescriptions Meds b/c she was too scared to drop the Supplemental plan she was paying $200 / month for 8 yrs..... On a Fixed income she needed Blood Thinners which out of pocket on Part D based on here phase would be $1,500 total fort the year..... So after 8 yrs she's handing Supplemental Ins over 2 G's a yr - total $16,000 after 8 yrs & she's got over $10,000 on her credit card paying for Medicine..... I took her to the bank, she did an Equity Loan to wipe out the Credit card debt, I removed the Supplemental but kept the $200 / month she was giving Supplemental & put that in a separate account for to pay for her prescriptions & if she has a hospital stay to pay the once a yr Co-Pay...... That was 5 yrs ago - she is Thrilled - the Equity Loan was paid off in 1/2 the 10 yr time period, her meds are paid w/ No credit card involvement & she had plenty of extra $$$ in that account for a Part A hospital Deductible When I showed her all her bills 5 yrs ago she saw that Supplemental started taking $1,800 ($150/month) a yr from her total but it increased each year & what they Actually paid NEVER total more than $100 in Any year & was usually Much less..... It's important to remember that YOU paid for Medicare - it's Not a Gift..... Supplemental & Advantage plans are BOTH private Insurance & they dont care about your health Part D plans are also Private Insurance & that sickens me b/c NO private Insurer should have ANY role in Medicare..... Check EVERY Bill & Every Statement & track what what the Hospital or Doctor charged, what Medicare Approved & what Medicare actually pays & what Supplemental pays..... $322 / Month is close to $4,000 / yr..... that is crazy!

[@alansach8437]

Yeah, don't know of plan g supplement for 100.00. Mine started at 114.00 and they gave me this nice list about how after one year it would go to 119.00, and after two years it would go to 124.00 etc. In other words, that it would go up five or six bucks a year. It's three years later and it's 169.00! So much for that.

[@Jim-bh7gs]

​@@MedicareonVideo Just seeing your reply 8 months later. Thank you. I think I will be in touch with you next open enrollment. (PA)

[@micheleyoungblood]

I don't think you'll be able to change to a lower priced plan if you can't answer underwriting questions to their satisfaction. I think if you move to a different state, Plan G is the guaranteed issue and they would give you that but no telling if the monthly fee would be just as high?

[@GuitarRJP]

Very important information as we get closer to make this decision while understanding exactly what we are choosing! Sometimes the "package" is an "easy" get, but like shampoo and conditioner in one, it is neither the best shampoo or conditioner! Go with the original!

[@MedicareonVideo]

Yes - like a all in one printer scanner. If one piece breaks it ALL breaks!

[@carlosponchio1869]

I am there. As of today, July 1st I am signing up for Medicare Part A and Part B dumping that low rent policy I have at work, for lower cost.

[@alansach8437]

Some employers nowadays have some crappy insurance policies. Medicare and a supplement are way better, and cheaper, in many cases.

[@brocklanders6969]

Sounds like you have a wealthier client base. Medigap plans have become a product for folks with higher retirement income or multiple streams of retirement income or a very high Social Security monthly benefit.

[@sinebar]

Yeah I'd say most elderly folks on Social Security can't afford a supplement plan. They can barely afford plan B alone. The USA treats its elderly like garbage.

[@airdriver1460]

I'd choose original medicare too...if I could afford it, sir.

[@sammikinney1601]

I wish you were my personal assistant you're the guy I've been looking for for months and months and months. Just had an all-out battle with the representative from Anthem who is trying to convince me that staying in my HMO is the best thing I could do for myself and everything in my gut is telling me I need to get out of that program and I don't have a clue how to do that what I wouldn't give for you to be my representative and this guy to be out of my life.

[@micheleyoungblood]

Why do you need to stay with a representative you don't want? Call Keith if you want he may be licenced in your state. Call any other KZbin agents you like. many are licenced in all 50 states. If you don't like someone why would you work with them?

[@CandyReuter-ue3nn]

original Medicare is the best!!!

[@MedicareonVideo]

Thanks for sharing your perspective! While original Medicare may work well for some individuals, it's important to note that everyone's healthcare needs are different. Medicare on Video aims to provide valuable information about various Medicare options, including Medicare Supplement Plans, so that individuals like yourself can make informed decisions based on your unique circumstances. Feel free to explore the channel further if you're interested in learning more about the different options available to you. Don't forget to subscribe, share, and activate the notification bell to stay updated on new videos! 🔔

[@javierruiz1710]

As long as it's communist in the Garment I don't have nothing to do with it

[@bobtassoneinsurance]

You speak as if all Medicare Advantage plans are HMOs. They are not. There are plenty of PPO MA options. Beware of any advice that uses the word “always”. Get good advice based on your individual circumstances.

[@TheJimprez]

My life is so much simpler. I just pay my taxes and when I need medical care, it's free. And since I only go see a doctor when I actually NEED to, I never suffer long wait times, like people with common cold symptoms, but without the common sense to NOT fill the emergencies for nothing. We run a PRIORITY triage... Intelligent people get the point and don't rant over a non-issue for those with real needs. My meds are capped at 90$ per month or 1000$/year, TOTAL. Every month I get beta blockers and HBP meds and it hits me for 55$ out of pocket, on a 200$ bill. Without any need for health insurance or any other coverage... Starting in 2025, dental will also be covered.. We SHARE, because we CARE... Simple... Everybody is taken care of... None of that self-serving "socialist" cat-calling by morons that can't tell you the definition of socialism or communism (or a Republic for that matter).

[@SongDog9]

Single payer medicare for all

[@MedicareonVideo]

As they say - be careful what you wish for. Gov't run healthcare doesn't sound so great.

[@adamskove]

Forgot about the $170.10/month part B premium and the $20-$50/month for the drug plan. You should be more honest man. Original Medicare and a supplement are only good for people who can afford $300/month per person for health insurance.

[@brocklanders6969]

Even with a $0 premium MA plan, most people still have to pay the $170 Part B premium. Some low income people can get it waived.