Why I Would Never Choose Medigap Plan G?

Medigap Plan G is one of the more popular Medicare supplement plans. Here's why I would never choose Medigap Plan G.
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Medigap Plan G Vs Medigap Plan N Video
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[@emptyblank4320]

I have Plan G and I do not have any headaches or problems with hospitals and doctors. It is a piece of mind

[@judithoden]

Have always had plan G. This has covered 3 types of cancer. Everything covered. Knee replacement. Been in IUC twice this year with blood clots in legs and lungs. Worth every penny over the years. Never had a bill or extra cost. The price is great for all my great care.

[@angelo_giachetti]

Our host youtuber should stop giving advice. Its all bad. When you get sick and you will get sick plan G will seem like bargain.

[@masterlee4370]

I thought getting plan "G" in the beginning was easy as there is no underwriting. But if you want to change to it later and have major health issues it's a lot harder to get, if impossible. That is one major reason why I am looking at it in the beginning, and piece of mind just in case it is something major.

[@MedicareonVideo]

Changing plans in a state with underwriting does depend on whether or not major health issues are at play. A lot of people like the peace of mind Plan G offers. I always like to compare the two (G vs N) based on value.

[@igorbergman1399]

So why do I pay$ 711 for a plan G every 3 months?

[@MedicareonVideo]

That seems a bit high- good idea to shop your plan through underwriting if possible

[@robannmateja5000]

@@MedicareonVideo , that is not totally accurate. I'm in a state that has underwriting. However, in my state (WA), you can change from any Medigap plan B through N to another other plan B through N.

[@jillkunkel6481]

Maybe a better title for this video would be “When I Wouldn’t Chose Medigap Plan G verses Plan N”. I have Plan G and it was $25 more in premium than Plan N, but I knew with my upcoming health issues I would be seeing many specialists and more often. I went with peace of mind decision.

[@MedicareonVideo]

If you are going to meet that difference in premium paying copayments, it is a great option to go Plan G

[@questioneverything1646]

I'm going on Plan G regardless

[@kathybyerley3343]

Me too 🙌

[@MedicareonVideo]

Always good to have a plan!

[@danielhuntington2116]

Yessss....If you can afford......don't listen to this insanity to save $300 total on your premiums....😮....when you might someday be looking at huge $$$$$ bills! Stay 💪

[@MedicareonVideo]

@@danielhuntington2116 What HUGE bills are you talking about?? Plan N is pretty much the same coverage just with a $20 copay.

[@danielhuntington2116]

@@MedicareonVideo By leading with how you led....we can't take you seriously! Hope you'll think about that going forward!

[@danstrunk8828]

As part of the retirement package offered by the company I worked for, my wife and I each receive 83 dollars a month toward the purchase of a Medicare supplement. So Plan G was an easy choice to go with.

[@MedicareonVideo]

Always very nice to receive funds toward health insurance in a retirement plan!

[@KaliGold]

I love going into all these doctors offices and they never ask me for money. That's what I get with Plan G. It is my life reward to myself. I will never change it! One dinner out with my wife costs about one month premium cost.

[@MedicareonVideo]

Plan G gives a lot of peace of mind! Let us know if you want to try to lower your Plan G premium cost. Maybe you can take your wife out twice a month with a lower premium! 877-885-3484

[@mammoth123.]

Shame on you! Take your wife out to dinner as many times as she wants

[@garym06yahoocom]

In my opinion, Plan C advantage plans work until they don’t. say you have a diagnosis of cancer come up and you on an advantage plan, they ultimately decide how you will be treated and you will still have huge cost at the back end where you could potentially be required to pay tens of thousands of dollars. Just spend the money for quality up front, and have coverage that will protect you, as opposed to cheap, low cost, value product that could actual cost more in the end, and that could be your quality of life , and / or just your life period!

[@MSJahan-pb6bc]

Plan G is absolutely peace of mind regardless of all hippocracy

[@MedicareonVideo]

Some people prefer the higher premium to bring the peace of mind!

[@vincentmaloney5835]

There are very MANY people who simply cannot afford it. In 5 years, you'll be paying tons of money for G. Plan N has the best value.

[@AZslim-24]

Really appreciate your honest and helpful videos, Keith! I spoke with Henri, who is a true professional, and was helped to see how my wife and I can save over $1500 a year by going to a plan N. With the difference in G and N being the co-payments and the amount my wife and I go to the doctor, plan N just made sense! Again, kudos to you and Henri!

[@deanuehara1728]

thank you

[@PorscheSpeedster-kz6nc]

Congratulations on 100k subscribers!!!🎊 🎉

[@MedicareonVideo]

Thank you! Just put up my 100k subscribers plaque on the wall for this video!

[@byron2521]

I hate this crap! I think I've just figured it all out and know what plan I will choose, then I learn something new that throws it all into doubt again. I am only 57, just got on Medicare because of disability. I was on Medicaid before, and everything was great! Didn't have to make these decisions. Just applied for Medicaid through the ACA and they gave me Humma. No problems for over 2 years. Humana sent me a new card 4 months ago then I was approved for disability with MS, sent my Medicare card, then 20 days later I get notification that my Medicaid has been canceled. I had to cancel 4 doctors' appointments/medical procedures (by medical procedures I mean routine like colonoscopy and prostate). Then today I learn plan N does NOT have "guaranteed issue". Meaning for G there are no medical exams when you first get on. So, I was planning on N, but now looks like back to G. Maybe switch to plan N next year before I go broke. You need a PHD to figure this stuff out!

[@Savannah-ed4rv]

Depending on what your budget is, you may be better off with a Medicare Advantage plan until you turn 65. When you turn 65 you have a reset with your Medicare and you can apply for any Supplement Plan without underwriting. At least where I live in michigan, being on disability causes supplement plans to be terribly expensive, so I had to go with a Medicare Advantage plan, and I've actually been very happy with it. It's a local Michigan Plan though so they tend not to cause a lot of problems for the doctors because they would back out and ruin the company LOL the negative thing about Medicare Advantage is that there are co-pays for almost everything, but there is a maximum out of pocket that makes it more manageable. I really wish you the best. Being on disability really sucks sometimes!

[@km-bo3zx]

You didn’t mention the annual premium increases of plan G vs N.

[@g8way2k1]

But I think he did mention we should shop Medigap plans, G or N, after a few years in the same plan, even when underwriting is required. But yes, Plan G's premiums have been rising at a faster pace than Plan N, which is why Keith recommends shopping.

[@mammoth123.]

Hi Keith Lural signed me up for Plan N I wasn't sure about the excess charge part, but she told me it is highly unlikely, and she never encountered it. Are these excess charges of 15% determined by what the insurance says it should cost or what the doctor says it should cost Thanks Kieth

[@mariacortez4522]

I really like the honesty of this agent. I have been studying medigap s and Medicare advantage plans plus G. And asking many questions whether to purchase G or N. No one even gives me an answer. it's always its your decision, but this agent was truthful. My husband and i are both on N because it's expensive, but it's true we never know what will happen, and we do have many friends going home to the Lord. We never go to the doctor but we dont know the future. I plan to switch next year to G

[@MedicareonVideo]

Yes, exactly. Everyone coming into Medicare needs to understand that there are options aside from Plan G. Plan G is a fantastic plan, but it is not a one size fits all scenario. I have plenty of clients on Plan G, Plan N, and Plan GHD.

[@katherinebruno616]

All I want to know is the monthly cost for Plan G in R.I …What will it cost my boyfriend every month? I do know Part B comes out his check automatically so what else does he pay??

[@katherinebruno616]

What’s the difference between reg G and a high deductible G plan???

[@katherinebruno616]

Why would someone with cancer treatments, radiation NOT get a plan G ? If you have Cancer and other health problems that you go to the doctors, hospital for on almost a daily basis GET Plan G

[@g8way2k1]

@@katherinebruno616 the best recommendation I can give is for your boyfriend to give Keith staff a call. The cost for a supplemental plan also depends on your location, and can vary with different companies.

[@danielparrish5438]

I know several people who have a plan C that are not happy ...... they have medical procedures that have be rejected or postponed by the insurance company even though the doctor says they need that treatment ..... other times the insurance company has limited their time in the hospital or recovery home and forced them out

[@MedicareonVideo]

Yes, Medicare Advantage plans make choices for you, rather than your providers.

[@soniaspangenberg6892]

What about factoring the co-pays on plan N?

[@MedicareonVideo]

Office visit copayments cap at $20 per visit. If the difference in premium is more than $25, I would consider Plan N if I do not anticipate more than 2 office visits per month.

[@pumpupjam9648]

My primary wants to see me every 3 months. I only saw him more this yr because I experienced a health problem that I never had before. It was exhausting trying to get a ride to the office and other specialists. The problem could have been solved but "specialists all incompetent. All I needed were ear drainage plugs. I would have been fine. But noooooo ...

[@skydancerforever]

I talked to a local broker and he told me plan G and N are 5 cents difference in my area? Is this possible? Both are expensive.

[@MedicareonVideo]

@@skydancerforever you could find that if don’t have access to most carriers

[@katherinebruno616]

My boyfriend has cancer..His Advantage Plan worked up until he got cancer…Now, the co-pays, co-insurance, Chemo, Radiation, Hydration, plus numerous medications at tier 4….Plan G is what he is looking at for 2025..It’s hard to understand all this stuff…He lives in RI. I believe he will pay 254 monthly starting Jan 1st. ?? I need to know what does he have as a cost to get the rest of the year paid at 100%? I keep hearing deductible, premium, out of pocket costs,etc,etc, What will he pay every month in R.I on plan G?? How much does he need to pay to have everything paid for the rest of the year? I’m just not getting it!

[@jillmiller5134]

What the hell? Last year when I was looking at this, you couldn't stop praising plan G. Now I'm stuck with a plan, G, and you're saying it's not the best plan. I hate that I'm spending so much for the plan and Medicare Part B, but it really covered my butt on medical expenses this year. I'm just praying the premium doesn't skyrocket on renewal because then I'll be forced to switch if I can (because I'm on a fixed income). Gah! Insurance in this country makes me crazy.

[@MedicareonVideo]

Only saying if the premium difference between N & G is too big then I would not choose G. G has the best coverage by far.

[@jasond3169]

@@jillmiller5134 Also, you are not necessarily stuck with the G plan unless you have some health issues you’re dealing with. At which point, the G plan probably makes the most sense for you. It depends where you live & the cost difference. G plan is the best insurance the country offers for seniors today. If you are healthy enough to qualify, it is worth asking a broker like this gentleman if you can qualify for the N plan. The difference is every specialist appointment is $20 co pay, and Emergency room visits are $50 co pay. You still pay the annual $240 deductible, just with those minor differences. I believe there is 1 more difference also, but it’s something so rare it seldom applies to the majority of people on Medicare. For the 10 minuets of your time, it is worth calling this gentleman and seeing if you can qualify for the N plan. If you’re concerned about previous health conditions and don’t feel you’ll qualify with medical underwriting, please rest assure you are in the best plan for your needs. I miss selling medi-gap plans, because the only “compliant” is the monthly premiums that change year over year. Never an issue with DR’s, hospital payouts, or access to a facility.

[@Wayneman50]

Pay the premium, it will be far less costly in the long run. Trust me, i know from experience.

[@vincentmaloney5835]

@@Wayneman50 I don't think so. The premium will go up every year because we are getting older. In 10 years, it will be two times more of what you are paying now.

[@tomleydon6315]

My wife has a chronic illness and since choosing Medigap Plan G we have never seen a bill. The broker we worked with kept trying to sell us a Medicare Advantage plan because she got a bigger commission. But for anyone who has a chronic health issue get Medigap Part G. Not only have we not had any copays, but she can see any specialist in the country that accepts Medicare patients and go to any hospital for treatment, including the big name places like Mayo and the Cleveland Clinic.

[@MedicareonVideo]

Yes, brokers receive larger commission for Medicare Advantage plans. I do not sell Medicare Advantage. Plan G is a fantastic option for many people, especially with pre-existing history. It is my goal to show that is not the only option. I always weigh out G vs N on a case by case basis.

[@BarbaraManuell]

In my area plan G is $297 and Plan N is $156 per month. I live in a state with no excess charges.

[@g8way2k1]

Wow - Plan N is a no-brainer for you!

[@gericbabcock7145]

Only advantage includes Prescriptions, Vision and Dental, right? I think you have to purchase these 3 additional plans if you go with an N or a G.

[@MedicareonVideo]

Part D and Vision/Dental are separate from Medigap Plans. Many Part D plans now have $0 premium, and dental/vision plans can be pretty affordable. A lot of the dental and vision benefits on Medicare Advantage aren't great :(

[@denncorby4115]

My wife and I are 77, have no health issues, take no meds, are very active, eat very healthy, come from long living families and still are running our own 2 person business. We've had our cateract surgeries and have our hearing aids. We live in SoCal. Our Medicare Advantage HMO with Aetna is no longer accepted by our local hospital which is owned by Providence out of Seattle. Is this the time for us to move to another Advantage plan or move to original Medicare and buy a supplement? My wife has a lot of experience in this area and even she is confused.

[@MedicareonVideo]

The time of year you are able to switch is coming up on October 15th. The thing to remember with moving from Medicare Advantage to a Medicare Supplement plan is the medical underwriting. Your health history is assessed on the application, so you have to be in good health to move. Most people want to wait until something major happens, but underwriting makes that not possible. I would recommend taking a look during the open enrollment period since you are in good health.

[@gericbabcock7145]

@@denncorby4115 You are pointing out the quandary, you are pointing out the conditions when I think the switch from advantage to supplement is called for, and when you run the risk of being unable to switch due to having to pass health questions. Based on Family History, I won't really use health insurance until my mid 80's, problem is, I have to pay the premiums for a supplemental plan between now and then to avoid being trapped with advantage and seeing costs increase and convenience decline.

[@drewjones3601]

how can medicare plan n cost from 97 to 481 dollars a month?

[@MedicareonVideo]

It depends a lot on location. Also, a lot of states offer protection in terms of changing plans, but that can come with higher premiums. Although, I have never seen a Plan N higher than $200 in the most expensive areas.

[@pumpupjam9648]

Am debathing. Fixed income, and in 2024, out of no where illness struck. Nothing major but i saw 8 specialists. And my own primary care, at 20.00 a co pay. Plus a. E R visit. Co pay 20.00 and ER $50.00. Lets round it off to $300. And they don't bill all at once. I'll see a bills in 2025. I think ill forfeit some basics in life, food, water and no ordering from Amazon foods. Health ins sure can make one sick!

[@mikelyons70]

Thank You

[@x.y.7385]

Where can I find a list of those states where you can change your medigap anytime without underwriting?

[@MedicareonVideo]

My website, www.MedicareOnVideo.com has a breakdown of each state. The states with no underwriting unfortunately are a small amount.

[@tacticaltruth8118]

Question: In an internet search the results stated that there is no cap on out-of-pocket costs for Medigap plans. Unlike Medicare Advantage plans, Medigap plans “do not have a cap on out-of-pocket expenses, which can lead to significant financial burdens for individuals with chronic conditions or frequent medical needs.” Can you comment on situations where there can be significant out of pocket for Medigap Part G that is not seen with Medicare Advantage? Thank you in advance.

[@MedicareonVideo]

No idea where that info would come from. With Plan G max out of pocket for the year is the Part B deductible - $240. Plan N just has some extra copays. So both signifcantly less than Medicare Advantage.

[@tacticaltruth8118]

@@MedicareonVideo Thank you for the reply and information.

[@christopherg.115]

The quick answer is no. Plann G is the Cadillac of plans.. Yes it cost more however, you don’t get any bills, you don’t have to worry about the 20% that Parts an and B don’t cover and you can pick your own specialists doctors. The whole reason for supplement plan is so you don’t have significant financial burdens. At this age, we want peace of mind, and not surprise bills..

[@robannmateja5000]

I bought Plan G High Deductible. With a well funded HSA that I've never touched while working, it was a great solution for me. $48 dollars a month. Also, being in WA state, I can change my Medigap plan at any time without underwriting. You can do this for any plan B-N as long as you are already on a Medigap plan.

[@KathrynCooley-o4m]

43$ here a month in KS

[@amyfox9659]

I had FEHB and I wasn't told in advance or ask. BOOM. MY MEDICATIONS ARENT COVERED. I lost my Federal Employee Health Benefits " best insurance in world".. no one notified me. No one asked me. Now I'm losing my necessary medications.. or forced to pay full price.. 😢

[@Hutchbullterrier1]

I have a very low SS check. I have UHC Plan G medigap plan. I also have Medicare parts A&B. I pay $215.00 mo for my gap plan and then the $240 deductible…. And the plan D rx plan is TERRIBLE. . So it’s costing me $3,600 a year to have these plans. Not counting what they already take out for my Part A n B Medicare…

[@edracz1224]

Going with plan G. Have health issues and don't need any disruptions in my medical care.

[@MedicareonVideo]

Not a bad idea!

[@LoriClaire-yp9mt]

Also, the 'nickel and dime' bills for copays -- if someday I need frequent medical visits, I won't want to spend my days on hold waiting to pay the copays. It's not a great system that requires people who are old and sick and debilitated to handle an avalanche of bills and phone calls.

[@g8way2k1]

@@LoriClaire-yp9mt If you are able, most offices I've been to in the past require co-pays to be paid at the time of the visit. No phone call, no bill for the co-pay.

[@Steve_in_NJ]

My local NJ Medicare broker has sent me a comparison between Plan G and Plan N in NJ. The "only" real difference is the Part B Excess Charges, which in my state of NJ, may be charged by some doctors. The price difference is around $15-$40 depending on the Insurance Company. Once I get an exact quote, I'll see what I'll choose. Besides, I see 9 specialists plus my PCP, so it may pay for me to have the Plan G too (also, I'm just turning 65, so the Birthday Rate increases will be lower).

[@jacquesdecoutere3848]

Is this plan G, available through Medicare? I have a supplemental insurance and is called G-Extra but I'm getting it through Blue Shield CA. This 2 Gs are different right? Can you please explain this. Thanks

[@MedicareonVideo]

All Medigap plans are sold through private insurance carriers, but regulated through Medicare. Some carriers will offer extra benefits on top of the standard Plan G.

[@garystevens7008]

Your commission must be more on the advantage plans. Plan G is the best plan for people not getting government supplemented Medicare!

[@MedicareonVideo]

I do not sell Medicare Advantage plans.

[@CliffordMcneil]

Last year when I was looking for help was picking a plan Keith, you had nothing but praises for playing g. Now you got me really confused.

[@MedicareonVideo]

I love G just depends on the price.

[@jimmesser2025]

They make more selling advantage

[@markballinger5090]

I agree with Clifford. You say "if Plan G is $25/month more than Plan N, then you should go with Plan N". But your video is called "Why I Would NEVER Choose Medigap Plan G" (caps added). But if a comparable Plan G was less than $25/month more, then you would, right? Bottom line, you should change the title of the video. Great work explaining Medicare! Thanks!

[@billbeeb1803]

​@@markballinger5090 Actually, it all depends on your health at the time you apply. If you have a lot of health issues and see a lot of doctors and need a lot of test and imaging throughout the year like me, then plan G is the way to go. But if you health is good then plan N is the way to go. Just keep in mind that your health can change in an instant and if you have plan N then you may end up paying a lot out of pocket later down the road.

[@giaica816]

I will have Medicare and Plan G soon. Peace of mind.

[@MedicareonVideo]

Can't put a price on peace of mind!

[@Lexusdude59]

Rock on Keith! A BMW = Bring My Wallet. Lexus = piece of mind.

[@MedicareonVideo]

Still a luxury car!

[@nonenone4219]

Plan G is the best one of all the medigap plans. Maybe say on your title that plan G might not be the best value for you cost wise.

[@billbeeb1803]

Actually, it all depends on your health at the time you apply. If you have a lot of health issues and see a lot of doctors and need a lot of test and imaging throughout the year like me, then plan G is the way to go. But if you health is good then plan N is the way to go. Just keep in mind that your health can change in an instant and if you have plan N then you may end up paying a lot out of pocket later down the road.

[@MedicareonVideo]

It really depends a lot on the premium difference. If the difference between the plans is more than $25, you would need to see at least one doctor a month in order to meet that difference. It is possible, but not likely for many people. Things may change down the road, but you can save a lot of premium with Plan N. Both are good options.

[@billbeeb1803]

@@MedicareonVideo What about imaging and blood test. My Rheumatologist sends me out for blood test 3 to 4 times a year and imaging once a year, and my Orthopedic does imaging once a year, my Urologist does blood test once a year and my PCP does blood test twice a year. That can add up to a lot of co-pays.

[@MedicareonVideo]

Copayments are for "office visits." Lab work is not coded as an office visit. It is all about the code used in billing for the service

[@billbeeb1803]

@@MedicareonVideo I just want to make sure I understand correctly. Lab work and imaging have no copays. Just doctor visits only. If that's the case than plan N might be what I need. One more thing. If I switch to Plan N then I can't switch back to plan G without underwriting. I live in California where they have the birthday rule if that makes a difference.

[@jasond3169]

Living in south Florida, the cost difference between a G plan and plan N is almost $100 or more a month. Worth it for small co pays

[@mikef445]

Right, it's enough of a difference. Plan N is a no brainer, especially in our neck of the woods.

[@MedicareonVideo]

I agree, we mostly see Plan N or GHD in FL because the Plan G is usually not the best value unless it is going to be significantly utilized.

[@billbeeb1803]

Actually, it all depends on your health at the time you apply. If you have a lot of health issues and see a lot of doctors and need a lot of test and imaging throughout the year like me, then plan G is the way to go. But if you health is good then plan N is the way to go. Just keep in mind that your health can change in an instant and if you have plan N then you may end up paying a lot out of pocket later down the road.

[@jasond3169]

@@billbeeb1803 very true. Famous quote that you get what you pay for although that does not necessarily mean that the G plan is the best for everyone working in the industry. I speak with seniors that are 85 years old or more and claim they haven’t been to a doctor since birth. Although that is hard to believe those individuals exist.

[@wanaraz]

@@billbeeb1803 Most peoples heath will not improve with age. Always keep that in mind.

[@jimdorsey8891]

If you go to a dermatologist or cardiologist often N is far worse or even a Dr that chargers more. G is the better often

[@g8way2k1]

A word about excess charges under Plan N. If I understand correctly, the excess charge applied could be up to 15%. But the 15% is calculated from Medicare's allowable charge, not the much higher amount the Dr. charges.

[@WhittyPics]

Laura put me in a Plan G a few months ago. I wonder if I would have been better off going with a Plan N

[@andieharrison3790]

Maryland has the birthday state rule where you can change every year but you can’t upgrade your plan. You can only stay the same or a lower plan

[@MedicareonVideo]

Yes, states that have birthday rules let you switch to a plan of equal or lesser benefits. It does help you from being trapped in a plan that has large rate increases.

[@melanief6113]

I have MAP but due to health issues over the last two years, my out-of-pocket expenses have skyrocketed because of ALL of the copays.

[@r.b.5618]

I thought plan N is no longer available now?

[@MedicareonVideo]

Plan N is available. Plan F is the plan not available for anyone who turned 65 after 2020.

[@jackpalczynski7884]

In Massachusetts, it's plan 1A which is a supercharged plan G. It's what I'm on, having gone through your agency. I have tons of health issues, so go ahead and throw me in that Cadillac.

[@jasond3169]

@@jackpalczynski7884 Massachusetts is a tricky state because the only way to sell Medicare in that state is to live in Massachusetts. Tbh, I’m not sure how plans work there. But I imagine it’s a hefty premium monthly. You get what you pay for.

[@MedicareonVideo]

Yes, the 1A is the equivalent of a Plan G. It definitely comes in handy with health issues. Also, although Massachusetts is year-round open enrollment for plans, they do not have an option of a high deductible plan like most other states. There is a plan called the Core Plan, but coverage is not great for the premium. I stick with 1A in MA.

[@baratono]

"G" all the way. I have multiple health issues requiring very expensive treatments. I pay nothing other than the supplement premium.

[@herculesrockefeller8969]

BMW is always a mistake.

[@rauljimenez8132]

Toyotas are more reliable and cheaper.

[@dabubbie]

@@rauljimenez8132 Best to do mistakes when you are young - I had a BMW 325 in England in 1980's... a company car moved to USA in 1989 and got a Toyota Truck... which did over 200k miles. A BMW is cool on autoroute - wow we're going 120 ! Is that kilometres or mph... err its mph. Also put your foot on the brake and it stops - almost more impressive than drifting up to 120 without effort. Maybe plan N is a BMW while plan G is the Porshe. If you tell the insurance agent your favorite car that might give the best plan for your personality.

[@garya2223]

I would not take Plan N because you can't trust medical providers to give you accurate information about excess charges. Most of the people working there don't have a clue when you ask them questions about charges and billing. This is one reason why more people don't buy Plan N.

[@g8way2k1]

Most people who chose plan N do so because it represents a good value over Plan G. If you are not getting acceptable answers, you are not asking the right people. Call Keith's staff, they won't lead you astray and you'll get direct no BS answers. By the way, Plan N is very popular and with good cause.

[@garya2223]

@@g8way2k1 I was talking about medical providers not giving accurate information about excess charges. No broker can help with that.

[@danielhuntington2116]

Anyone that leads with "Never take the Plan G" should not be taken seriously! Take this guy off your list to work with! Yes, it's going to be expensive. As a senior....I believe you can't overpay to protect yourself against huge medical bills!....I wonder how many out there wish they would have chosen it now? Raise your hands please! Thank you.

[@-myal-8691]

If you see doctors often, the Plan N co-pays add up quickly. If the doctor add on excessive fees, it can be a lot.

[@MedicareonVideo]

Excess charges are possible, but rare in most cases. The copayments for an office visit cap at $20 per visit, so it is dependent on how many visits you anticipate.

[@amy3388]

Would the copay be always $20? Will it change in the future?

[@Jean-ni6of]

Can I buy two plans? Who decides I can't buy as many as I want? Why?

[@MedicareonVideo]

You can only have one Medigap plan or one Medicare Advantage plan. Having multiple plans would be costly and not beneficial because you would be over-insured

[@ChrisSadowski-pp1np]

That G premium will be an albatross around your neck by the time you're 85. The Best plan of action is HDG in New York and everywhere else compare it with the price of plan N.

[@MedicareonVideo]

GHD is almost always the best choice in NY!

[@thzzzt]

Would you please do a video on Medigap plans K & L? Who buys these? When would they make sense, if ever? I thought the out-of-pocket maximum was a major attraction. What if you have lung cancer and anticipate six-figure medical costs?

[@MedicareonVideo]

One big problem I have with these plans is their lower level of popularity. With less enrollees, you have to keep the risk pool in mind. Similar to Plan D (which is like Plan N, but has higher premiums because of the pool).

[@igotstoknow2]

I like the incentive to stay healthy with Plan HDG. Having Plan G and later have a debilitating disease due to increasing laziness with 'I don't have to worry about medical costs' is not worth it.

[@dougwahr4086]

What about potential excessive charges with Plan N vs Plan G?

[@MedicareonVideo]

Excess charges are possible, but very rare. I wouldn't let the possibility of an excess charge sway me between the two.

[@donnajanecastle4807]

Title is misleading. Makes me wonder what else isn't true.

[@vincentmaloney5835]

$240 out of pocket for the entire year? I don't think so. It will be at least two thousand dollars for the entire year. I'm talking about monthly premiums. Don't forget that you have to pay for part B every month in addition to that. Altogether, it will be Four Thousand dollars for the entire year. That's how much you pay for the peace of mind. It will be even "better" in 5 years or so.

[@angelacastillo2382]

Why AARP Supplement plan G is so expensive ($ 320)monthly

[@danielparrish5438]

I'm looking at plan N as my 1st choice ......

[@MedicareonVideo]

Plan N is a great option!

[@bruceeigsti5274]

we will both PLAN N we will go to the dr a few times a year and the excess charges are rare..will still go with N

[@MedicareonVideo]

Plan N can save you a lot in premiums!

[@popoysson]

This is just irresponsible if not bad advice.

[@MedicareonVideo]

How so? I review in the video why Plan G, although a good option, is not the only option. A lot of people insist is is Plan G or nothing, and that is not the case for many people.

[@popoysson]

@@MedicareonVideo The title you chose implies Plan G is bad. Misleading at best. It would've been better if you just provided options and share your pros and cons for each plan. I know you meant well but health issues can occur when you least expect it. Trying to save a few dollars can end up costing a lot more.

[@cgilleybsw]

Just a minor nit: this video has a REALLY poor choice for a title. Why? Well, I just got done watching your earlier video here: kzbin.info/www/bejne/g4qxq5Krm96Ahck - titled "Best Medigap Plan 2024 - What Medicare Supplement to Choose 2024." This video would seriously seem to contradict it by it's title.

[@carlcarlson4642]

You have it wrong.

[@deboraholiver3716]

He does not advocate against Medigap Plan G. dumb title

[@garyrhode3755]

I"ve got Plan L and it"s fine for me over all...

[@MedicareonVideo]

Don't see a lot of Plan Ls

[@garyrhode3755]

@@MedicareonVideo Consider making a video talking about Plan L vs Plan G High Deductible...🙂 Comparisons

[@Direct.injection212]

​@@garyrhode3755 i have a feeling the moop is what attracted you into plan L right?

[@carlcarlson4642]

Medicare advantage plan, no no no

[@dfwlistener7593]

Good but strange video.

[@billlock77]

Had N 3 years no price increase! Probaly get one next year ! LOL!

[@MedicareonVideo]

Don't jinx it!!

[@Savannah-ed4rv]

What company and your age? My mom is 89 and has a relatively new Plan N that increased $30 this year. Still lower than what she had. Aetna is supposed to have stable premiums..

[@billlock77]

@@Savannah-ed4rv I am 68 and have Aetna . love in Ohio.Each state is different.

[@haydenlake2390]

You should shorten your videos and get to the point. Too much repeating the same thing over and over in different words, without getting to the point and causing confusion about your intended message. You'll get more subscribers if you sharpen your narrative. "Premium matters and cost matters and we want to manage expenses ..."" you're just filling time with wordiness. You finally begin to make sense 4:50min when you say "you may not need a cadillac." "it comes down to the cost" is irresponsible. We don't buy insurance based on what has cheapest premium. We buy insurance for security of mind to protect us from the unexpected. $300 saving/yr for premiums is useless if your OOP is $10K after an ER visit that you never expected. Keep up your good work but get to the point. No need to ramble on

[@angelo_giachetti]

Follow his pholosophy and get no plan for $0 premium! He's talking crazy.

[@carlcarlson4642]

You are misleading people, never the advantage plan you can be stuck it is the best value, protection.

[@ScottConverse]

This is bad advice.

[@MedicareonVideo]

I disagree. I think bad advice would be to sell everyone a Plan G, regardless of health or financials. This video is aimed at showing Medicare beneficiaries that there are other options for Medicare Supplement plans that should be assessed, like Plan N and Plan GHD.

[@Savannah-ed4rv]

Not sure why you think it's bad advice? Not what you wanted to hear?

[@johnlupo3919]

why do you laugh to yourself??

[@MedicareonVideo]

I think I'm funny!

[@wanaraz]

Let's be 100% Transparent my friend. Plan G is not enough. You need a prescription plan. That comes with a big deductable. Hearing but not hearing aids. Sight not lenses if you remove cataracts. Dental is also needed as we get older. Be truthful. Original Medicare will cost over 700 a month when you add in all the other stuff. Medicare Advantage almost zero costs or max out of pocket for the year $2800.00 MAX and it includes Prescription dental hearing and sight.

[@MedicareonVideo]

The maximum out-of-pocket an Medicare Advantage Plan can be in 2024 is $8,850 for covered in-network services, not $2,800. Also, the dental and vision benefits are usually minimal. Many people with Medicare Advantage plans still also pick up other stand-alone dental and vision plans because the coverage is not enough.

[@wanaraz]

@@MedicareonVideo I had MA two years ago. My max outlay for everything per year was $2800.00. Maybe others are more expensive but be honest OM is expensive.

[@matthewhoffman9788]

My Medicare A, B, C (Plan G extra) and D come to only $424 a month. My Plan G extra includes dental cleanings, capped expenses for eye glasses, and flat rate fees for hearing aids.

[@bobbieriales8764]

Yes, but, you have to be approved for every single procedure and your doctors and hospital have to take your specific Advantage plan, or you are SOL with an Advantage plan.

[@bobbieriales8764]

​@@matthewhoffman9788you CANNOT have both plan C (Medicare Advantage plan and a Medicare Supplement plan (Plan G etc.) at the same time!!

[@Jdw6848]

You don't get as much commission on a plan G

[@MedicareonVideo]

That is not accurate.

[@alexandergennaro8596]

I disagree plan G for me when I go to the doctor I get a bill every time.

[@MedicareonVideo]

If you've met your Part B deductible, you shouldn't be getting bills from the doctor with Plan G, unless that doctor doesn't accept Medicare.

[@bennasir6793]

Thank you Mr. Armbrecht. Phone number please.

[@MedicareonVideo]

@@bennasir6793 happy to help 877- 885-3484