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Just found your channel. Thank You for the information, especially for the immediately need to know... Very helpful! 👍
@sheiladale68023 ай бұрын
When people are older, more sick, less energy, maybe no one to help them and they get confused with all this. !!! When they need the simplest system, they are forced with the most complicated system to deal with!
@B_Rad4Real3 ай бұрын
Yes and they don’t pay for anything when you get older in the 80’s. My grandmother has Medicare and she had cancer they refused to pay for it and told her that she is just going to go home and Pass on. Yeah no thanks for government insurance. I’ll pass
@MedicareSchool3 ай бұрын
We are here to help, we understand it can be a daunting experience. If you ever need any help you can call our office at 1-800-864-8890.
@dawnjohnson87393 ай бұрын
Agreed
@reddrockingeezer3 ай бұрын
Exactly! My first year I was so overwhelmed. We need a Federal Health System that replaces our Pay-Every-Provider system we have now. I believe in a strong Military, but the budget could be cut enough to provide healthcare for all citizens who need or choose it.
@vancebeazer4583 ай бұрын
These guys are the best help !!
@TheWilferch3 ай бұрын
Of all Western Countries....we have the most ridiculous and COMPLEX system in the developed world...how did we get here?
@Wawalsh12343 ай бұрын
Politicians
@TheWilferch3 ай бұрын
@@Wawalsh1234 ..I will add... "lobbying".....legalized bribing of politicians for certain narrow-focus groups to get their way.... what senior citizen has the mental capability, especially in their later years....to plow through this horror, this mess? No other Western European developed country has the nonsense we go through. Tier levels....program differences, the 4 "phases" of drug costs throughout the year where what you pay one month does not match the other month, getting a plan and then find next year horrible price increases or dropping out of your state?....etc, etc....total idiocy.
@skippermjm57133 ай бұрын
Politicians without term limits
@iloveitUbet3 ай бұрын
Democrats
@Mars-773 ай бұрын
Yep. It's the same with the metric system. Everywhere in the world except here.
@jalqassar3 ай бұрын
This is more work and annoyance than when i did work. 🤔🥺😠. Why cant they just leave it all the same every year??? Life in the USA has become too much red tape. This is NOT RETIREMENT. We are being harrassed, about everything.
@AngieWy3 ай бұрын
I agree - when you're older, they just make it more complicated when it should be easier.
@Jazna13 ай бұрын
I retired 2 years ago now. It's awful at first! So confusing! My advice is to work with an independent agent that you trust - there is no charge to you and they know all the complicated stuff. Medicare School gives excellent info and I have read comments by quite a few people who use them as their independent agent and are real happy.
@davidr73333 ай бұрын
Yes, I hate it! We all work for the "progressive" government now. That is what they define as progress.
@steveludwig42003 ай бұрын
It is what it is. Deal with it.
@davidr73333 ай бұрын
@@steveludwig4200 Thanks for your heartless reply.
@patburton8373 ай бұрын
Why can't we get the insurance that Congress gets? They are all millionaires. Give the middle class and the elderly a better system and not raise the prices all the time. I'm retired. Every year since I retired my insurance raised my supplement plan every year since 2022. It's ridiculous. Im on a fixed budget, and now I see why the elderly eat dog food for dinner.
@angelamoore81613 ай бұрын
You dint get because you dint demand!!
@blessings43813 ай бұрын
Everyone in Congress isn't a millionaire.
@No.1CatWhisperer3 ай бұрын
@blessings4381 no, not all politicians are millionaires but they get free health care along with their families
@Zulonix3 ай бұрын
@@No.1CatWhispererIt’s not free !!! WE PAY FOR IT !!!
@ggeorge41443 ай бұрын
@@blessings4381 Yes they are. They all buy stocks using insider information. That's why none of the republicans bitch about Pelosi making hundreds of millions in the stock market because they all do it. If we did it we would be in prison.
@Hippie-i8g3 ай бұрын
Hate dealing with this. Very, very stressful.
@MedicareSchool3 ай бұрын
If you need any assistance or have any questions you can always call our office at 1-800-864-8890, we're happy to help!
@robertdesantis62052 ай бұрын
I'm pretty sure I already threw that letter away. 😮
@valerielester72103 ай бұрын
What a nightmare! I just turned 65 last month, got a plan only because we are forced to ,now I have to worry about changes to a plan it took me weeks to choose,and understand..
@jreifsnyder22253 ай бұрын
You have to re choose your plan every fall beginning in October and ending in early Dec I believe- you can decide to keep the one you already have or change to a new plan - check it out because some plans will change the amount of money you have to pay every month. A booklet will be sent to you with all the insurance plans available in your area, check out the plan you have to see if there are changes, if it looks good you don't have to do anything - or you may see a plan you like more, if you want to change then call them and tell them you would liek to change
@myvenusheeler3 ай бұрын
Starting in 2025 I will be going into my eighth year of Medicare and dealing with these drug plans. I understand how they work so I generally can readily make a change during the annual enrollment period if necessary, and its usually necessary. That being said I am currently on a generic med so this is much easier than some I know that are on several meds and some big dollar no generic meds and this becomes much harder each year for them to go through these gyrations of picking a plan. Not only that, but imagine being say 87 years old and try dealing with this complicated BS. There simply has to be a better way!!!
@marshamckee24793 ай бұрын
Hopfully they have family to help them...I know my mom would be freaking out
@jeancox60643 ай бұрын
Thankfully I stayed with the original Medicare plan. It doesn’t cover all the extras, but it sure is easier to understand .
@Pallasathena-hv4kp3 ай бұрын
Same.
@debbiemurphy58043 ай бұрын
I retired two years ago. I worked for the Medicare fee for service (traditional Medicare) insurer for 47 years. When the government ruled that Medicare Advantage plans could be sold, Insurance became way to complex to understand. Currently my husband and I have traditional Part A and B, copay and drug coverage. Most of our services are covered. It’s straight forward and it works. The last thing I want to do is to haggle with an insurance company….
@RO-dj8dp3 ай бұрын
What this means is price goes up coverage goes down but don't worry the politicians are all taken care of with great healthcare plans we all pay for.
@JennetteHolmes3 ай бұрын
In otherworldly part C will go higher. More crap.😢
@carolann40873 ай бұрын
@@debbiemurphy5804 My husband went on Medicare advantage and regrets it. He went round and round haggling with the insurance company. He was on the phone for 3 solid days (thank goodness he's retired) and he freaking wore them down. He finally wrangled a procedure than he had been getting for 8 years and all of a sudden they no longer cover it because of medicare advantage.
@m.b.calderhead2683 ай бұрын
This is so work-intensive. My understanding from your explanation is that Medicare, first started by our government, but now, has been handed over to big business so all of us on Medicare are really on a private program and it’s so convoluted that most of us don’t even know where to begin to protect ourselves from financial obliteration.
@barneyfyfe83133 ай бұрын
Not entirely true. The policies are premiums are regulated by the government.
@thegoddessdiana91853 ай бұрын
This is probably attributable to George W. Bush's plan to privatize Medicare and Social Security. Medicare Advantage is really private insurance, and they damage the actual Medicare system by charging extravagant amount of money, stealing money from original Medicare. Medicare Advantage can also deny service as can any private insurance whereas regular Medicare does not. There's a lawsuit in Congress to force them to stop using the Medicare name because it confuses the public. Just remember when you vote in November that Republicans love to monetize every government service by Privatizing it, making sure that one of their cronies will make money on it. It's not about "efficiency" as they love to tell you; it's just "efficient" to help their rich buddies to become even wealthier.
@TenMinuteTrips3 ай бұрын
@@barneyfyfe8313And that’s part of the scam. Congress created loopholes and off-ramps for insurance companies to maintain profitability. At the end of the day, the insurance companies get their money. For the rest of us, it’s, “Get well or die. There’s more where you came from!”
@flickwtchr3 ай бұрын
@@barneyfyfe8313 The reason it is so damn complex is because the decades long process of privatization of Medicare by a monopolized greedy healthcare-denial-for-profit industry.
@57msdeb3 ай бұрын
Only if you sign up for an Advantage plan-Part C. I still have straight Medicare A and B not by private insurance. I do pay for the supplement by UHC but never have to deal with them.
@Pallasathena-hv4kp3 ай бұрын
Last year I called the Medicare number and they were able to price compare various prescription plans and helped me find one that I could afford with the medicine I took. I was astonished this service was free. The fellow was so, so helpful and patient 👍
@jamessandlin-hx9jp3 ай бұрын
It is sad that in a supposedly free country I am forced to pay for this government and insurance ponzie scheme my whole working life then pay for it after I retire
@Nana-zi9xq3 ай бұрын
I agree totally. Why do no private companies offer insurance plans that we can use that aren’t tied to the govt ponzie scheme
@ivorybeaststarship77393 ай бұрын
Not me, I can barely get by on ss I can't afford 200 more each month taken out for crappy health care from the government.
@David-cv3bp2 ай бұрын
@@Nana-zi9xq the government mandate is because the Private Insurance Corporations are a money making machine! In a society where women still do not work complete.y out of house like the men, the system is rigged.
@adriankap29783 ай бұрын
Neither my husband nor I received any letter of change last year. Anyone who wants to sign up with Advantage need to know hospitals have been refusing that plan.
@Zulonix3 ай бұрын
Advantage plans are chock full of disadvantages
@KathyTarpley-hh7sh3 ай бұрын
When it sounds too good to be true, it usually is.
@raloufen42923 ай бұрын
The Supplement does change. Prices go up and up
@internationaljetsetguru3 ай бұрын
Who is here watching for their 80+ year old parent who can't understand all this cr*p? We need to remind our parents to show us the letters when they come.
@tomquillintq3 ай бұрын
Even worse, who is watching out for those same 80-year Olds that are constantly bombarded with ads and worse calls telling them free groceries and eyeglasses, if you just sign away your medicare?
@dondadondon12133 ай бұрын
Huuuggggeeee thumbs up on this comment. Huge.
@internationaljetsetguru3 ай бұрын
@@tomquillintq My mother says she doesn't answer the phone at all unless she knows who is calling. Good practice!
@georgewatson66223 ай бұрын
@@internationaljetsetguruI do the same,very smart.
@yfa62443 ай бұрын
Being a Medicare broker must be worse than being a CPA staying up on the tax codes!!!
@SarahSmith-vt3oc3 ай бұрын
former tax accountant, HAVE ALWAYS said: Insurance is MORE COMPLICATED than TAX!
@Smidgen_133 ай бұрын
I'm glad to be a retired medical insurance biller. It helps me understand & help my family understand our plans. When I worked, I dreaded the first few months of the new year because of rejected claims because patient insurance info wasn't updated in the system or they changed to a plan that the doctors weren't contracted with anymore or their insurance assigned a wrong doctor. I don't miss my job, at all.
@bassboy89103 ай бұрын
for us Regular people- this is the most ridiculous bunch of confusing garbage to deal with. I mean how many pit falls, rule changes, and pay increases are we going to have. Just leave it alone!
@andreafisher32683 ай бұрын
What is your mind is failing and its too much for you to decide and no relatives to help? So what now!!! There are a lot of us out here!!!😟
@MedicareSchool3 ай бұрын
We are here to help any way that we can, you can always call our office at 1-800-864-8890. Our team is here to help!
@whatwasisaying3 ай бұрын
This ridiculousness had to be written by the insurance companies.
@peteralvarez30393 ай бұрын
by lawyers
@whatwasisaying3 ай бұрын
@@peteralvarez3039 Who work for insurance companies.
@David-cv3bp2 ай бұрын
@@peteralvarez3039 lawyers of the insurance companies!
@collinsfriend13 ай бұрын
We're warning our patients to be SURE to read the letter. Many.of them suffer from advantage plans once they have a serious need and can't get it met.
@jameslong51393 ай бұрын
The letter will just be a confusing mess so nobody can explain these plans and make any sense.
@terrilynnshoemaker50003 ай бұрын
yeah, so don't be hoodwinked that's what they want you to do
@carolgossett82773 ай бұрын
I’ve had the same Medicare Advantage Plan for several years and have always been happy with it.
@tedwalford76153 ай бұрын
THANK YOU!!! :-) As one new to this Medicare thing, I'd have had NO idea what's going on unless I'd been first and thereafter listening to you. I'm very grateful.
@MedicareSchool3 ай бұрын
Glad it helped! If you need any assistance just give us a call at 1-800-864-8890.
@williamgrimberg25103 ай бұрын
This is about the ever growing greed of these insurance,medical and pharmaceutical industries here in the USA.
@TC-yi3ue3 ай бұрын
Don't worry...not gonna be long before the country crashes and burns
@markanthony34793 ай бұрын
I’m 64 lived in the US for 22 years and am a highly educated professional……the more I watch or read I get so damn confused!
@DonaldDolph-ob8yv3 ай бұрын
This is by design, the insurance wants you to make a mistake or just ignore the notice. This is to take advantage of you to make more money for them. I wish I didn't get the Advantage Plan when I signed up. Now it may be difficult or cost more money to get the "Original Medicare" part B plan. But, yes, it's way to much to take all these changes in all the time. Capitalism at its finest. 😣
@GoogleLover-r9e3 ай бұрын
It’s really not too bad. First, find a reputable insurance agent who sells Senior Products. You register with Medicare directly for parts A & B (hospital & doctor visits), then go to your agent to buy a Drug supplement (part D) and a good Medigap (part G). This combination provides you with the broadest coverage, best deductibles and premiums. You will only need to review the drug supp each year. Your agent will take care of showing you all the options available and make a recommendation. I would stay away from Advantage plans (part C); part E and part F. Again, start with an agent. They can explain the alphabet to you and help you work through which plans work for you.
@CynVee3 ай бұрын
I was born here and lived and worked here my whole life, and I'm confused, so pls don't feel bad. It's purposely confusing.
@buffhotchkiss74003 ай бұрын
It's deliberate sorry😮
@barbarabrooks47473 ай бұрын
There are a bunch of fantastic generic drugs available in Europe (and Mexico), but aren't approved in the United States. Why? Because the FDA doesn't recognize European testing, and it didn't make business sense to test them in the United States. We would save a fortune on drugs if we could buy these excellent drugs in the United States. Often we end up having to buy expensive, branded drugs instead!
@TakeTheRide3 ай бұрын
The US has no true 😢testing these days. Which is taking people out.
@changingtimes377663 ай бұрын
They decide what we can and cannot have. Always was and always will be!
@charlesbennett62423 ай бұрын
Mexico has fentonal in too many drugs, don't trust them
@NANASplash3 ай бұрын
What drugs are you referring to?
@barbarabrooks47473 ай бұрын
1). Doxophylline, a pill for asthma 2). BCG, a vaccine that makes the immune system work better. It was made for TB, but it decreases deaths among the elderly. 3). A blood thinner and there are many others. The companies never tested them in the United States because of the expense.
@berniekirk13973 ай бұрын
You covered a lot of information in a short time, you are a natural teacher.
@MedicareSchool3 ай бұрын
We're happy to help, if you ever have any questions just give us a call at 1-800-864-8890.
@michaelfinley99883 ай бұрын
Anytime Medicare Advantage has commercials and advertisements for 6 months straight one has to be wary. I get it’s “cheaper” upfront but, cheaper is not always better. I went with Part D and never regretted it, works wonderfully.
@Pallasathena-hv4kp3 ай бұрын
Same.
@susanjeanes93683 ай бұрын
"so far" I have had no issue with my Advantare plan. I had a heart attack......was in hospital for 9 days.....had 5 bypasses and an ablation. I had to pay very little, no problems in ANY way. I have been on it for 4 years. Having said that, you never know what will change in the future. Just my 2 cents.
@LenoraGilbert3 ай бұрын
Sounds like bs to me, so our government can screw us over some more.especially the idiots that want to give SS & medicare to everyone.
@jojo98203 ай бұрын
I’m 67 in November I went with original Medicare with the supplemental United so far it’s been working great it was highly recommend it to just stay with the original Medicare. I would like your thoughts on that.
@MedicareSchool3 ай бұрын
Great to hear! That is usually the route that we suggest to all of our clients, if it fits your needs and you can afford that on a month to month basis with no issues!
@pamt39153 ай бұрын
People with chronic illnesses should be on Original Medicare. Advantage Plans are HMO’s better suited for healthy seniors who don’t anticipate major health problems. When in doubt, always choose Original Medicare.
@ThePeasantsCottage3 ай бұрын
I was going to try that again, but wasn’t sure about ROI. There wasn't any. Thanks for the info!
@patmaupin61223 ай бұрын
i would love to have one hour with this man.... he's so helpful!!!!!!
@Solitaryman703 ай бұрын
Yeah and funny when you slow the playback speed down to 0.5x while taking notes 😂, he sounds completely wasted 😂, but at least I can take good notes!
@MedicareSchool3 ай бұрын
Glad that we can be of help, if you have any questions you can call our office at 1-800-864-8890.
@scottwyckoff54833 ай бұрын
Clear as mud
@jameslong51393 ай бұрын
These yearly changes are CRAP ! Just a confusing mess. Screw all of it.
@buffhotchkiss74003 ай бұрын
It's simple follow the money😂😂😂
@liatherose62753 ай бұрын
I just read that the donut hole is gone, and max out of pocket dropped from $8,000 to $2,000 per year because of Biden’s Inflatiron Reduction Act. This is huge. I only hope the insurance companies don’t hit us with some surprise cost increases elsewhere.
@marla3043 ай бұрын
Yeah right
@marciablinzler27453 ай бұрын
Has to be paid by someone so brace yourself
@MommaBear3603 ай бұрын
You pay full price for meds until you reach your deductible ,
@Pallasathena-hv4kp3 ай бұрын
Thank goodness donut hole is gone. My Mom’s med is 1200 a month. 😢
@bosstime20103 ай бұрын
Because of this insurance companies will be reducing benefits I can assure you. Once again our government instead of dealing with that issue alone that affects the minority of people, they made a change that will affect everyone negatively.
@cmatjad3 ай бұрын
The Affordable Care Act under Obama where Nancy said we have to pass it to see what's in it was designed to charge seniors more.
@marshaloftis74853 ай бұрын
Thank you
@MedicareSchool3 ай бұрын
You're welcome
@fanicakibner39213 ай бұрын
Advantage plans for the insurance company are disadvantaged for patients.
@rickluttrell55293 ай бұрын
This massive level of stupidity is exactly what happens when government gets involved with medicine. Really anything, but medicine is the worst. You think the DMV and Post Office is bad, just put government completely in charge of your healthcare.
@susangieseking15473 ай бұрын
Education also.
@Sari1936-3 ай бұрын
You should inform the poor uninformed people that some Hospitals refusing to accept Medicare Advantage.
@MedicareSchool3 ай бұрын
We have a video discussing that on our channel, we have tons of videos discussing various topics within Medicare.
@blessings43813 ай бұрын
I have traditional Medicare. I am thankful for it and that I can afford the supplement. Am grandfathered in on the Plan no longer an option.
@MedicareSchool3 ай бұрын
Great that you are getting the care you deserve!
@debrabraz62583 ай бұрын
We are, too. I listened to a program on KZbin about the cons of the Advantage Plan they were "pushing" on us a few years ago. They almost made it sound that you "had" to go on it. I'm glad I did some research. They even told us that even if we went with Advantage, we could get off of it and go back on the original plan if we wanted to. I don't know if that was true or not.
@tonyallen42653 ай бұрын
Too much information. I'm more confused than ever. My brain has shut down.
@TakeTheRide3 ай бұрын
What do you need to know. Call the Medicare School phone number and talk to someone there at your leisure. I've done it several times. It's a free call. It's a free consultation. Their information has saved my life.
@davidr73333 ай бұрын
So the government plan is working!!! Thanks Obiden!
@MedicareSchool3 ай бұрын
We would be happy to help with your transition or any questions you have. You can contact our office at 1-800-864-8890.
@lolalucky63733 ай бұрын
@@MedicareSchoolto tell u the truth I'm so confuse u don't know what I have I'm scareto go the doctor to void bills that stress me since I took my retirement work for the city.that not right for seniors citizens it's torture 😭😭
@dtrout3 ай бұрын
I am about 13 months away from Medicare eligibility. I've worked in hospital or medical administration my entire career and thought we would have a single payer system long ago. If we got rid of all the bureaucrats and consultants and private insurance companies as well as the state offices that oversee the insurance companies, the savings to taxpayers would be enormous.... and would permit focus on keeping hospitals funded in rural areas and avoid over-construction in the wealthy areas of the country. What we have is the wild west with multiple forces pushing their way to the money trough ..... trying to find ways to suck money out of healthcare. Hospitals and physician practices are seeing lower and lower profits that they would normally re-invest to buy new equipment and for ongoing medical education of themselves and their staff. Make no mistake, the HHS / Medicare system and Congress have created the mess. There is no need for the many videos and publications except that Congress is funded in part by big pharma and by insurance companies that lobby for laws / regs that serve to perpetuate their access to tax revenue. This is another part of the SWAMP in Washington that needs to be demolished and replaced by a single payer system. Only Congress has the power to write the laws and change the $ appropriations to defund the administrative bloat and push money directly to health services. They could select a single vendor health record system while they are at it like Ireland did. Also could create sole source vendor contracts for high cost equipment and products so there is a standardized delivery workflow.....vs redesigning workflow one health system at a time with massive hours devoted to re-creating the wheel...... only to see everything abandoned when another system merges or acquires the hospital. I cannot imagine a system more complicated than what has come to fruition nor a system with more parasites sucking cash out of the taxpayer while delivering no added value to the delivery of care
@jimbox87623 ай бұрын
The Advantage Plan is so disadvantaged to seniors.
@James-t5i6h3 ай бұрын
My Humana Gold Choice plan is better than any I've ever had including Blue Cross, United Healthcare and regular Medicare. This is my 20th year with Medicare and I couldn't be any happier as all my meds are generic and free, no charge to see my primary care and $15 for specialists. I was in the hospital from COVID issues and my copay for the whole stay including all tests, meds and specialists was $200. My advice to other seniors is to find an insurance agent that specializes in Medicare and Medicaid and they will be able to expertly navigate and explain your options.
@JET173 ай бұрын
Yes. Most other plans are also unaffordable for seniors in the current hyper inflationary climate. Advantage is basically it if you are on a limited income
@darkisland043 ай бұрын
A LOT of good, up-to-date information on coming changes in Medicare. Most of it is quite good news for those of us who are retired and on fixed incomes. I can quite imagine that, for Europeans, this is quite confusing! It is for U.S. citizens, too! This is one area where I differ from other conservatives. I'd like to see a "single-payer", or governmental, health care system. I'd like to see everything payed at the level of cash--or in other words, no inflated bills submitted to the insurance companies or Medicare, as is the case now. No premiums, no co-pays, no co-insurance, no insurance companies involved, etc. Of course, the latter would be screaming in protest!!!!
@silversahar15663 ай бұрын
you made it so simple to understand a very complicated system. Thank you sir 😊😊😊
@MedicareSchool3 ай бұрын
You are most welcome, if you have any questions give us a call at 1-800-864-8890.
@marybailey94562 ай бұрын
After 30 years of medical billing (commercial claims only) I retired. Then I met Medicare! At age 88 I'm still confused, bothered and bewildered by it all. I thank the Lord that finally Medicare School popped up on my screen and you have cleared up so much of my agita. Thank you.
@MedicareSchool2 ай бұрын
It is our pleasure, if you have any questions or need help give us a call at 1-800-864-8890!
@RobertCHoweSr3 ай бұрын
Everytime we get our meager cost of living increase, 1/3 of it goses to a Midi-Care increase.
@Cre-Art3 ай бұрын
Great information. There were some things I still didn't understand the importance of, and you clarified all of them. Now I can make a better choice on the next enrollment period. Thank you.
@MedicareSchool3 ай бұрын
You're very welcome!
@59jm243 ай бұрын
Medicare advantage is wonderful ... unless you become sick and need high level care !
@ouiser19553 ай бұрын
Yep. They will Deny the claims… every time.
@MarkFriedman-qi4cz3 ай бұрын
Medicare advantage is for suckers. Total scam. Look at how hard they push their “benefits”.. Just ask a broker to start listing their disadvantaged.
@Keith800273 ай бұрын
Thanks for all the clear and easy to understand information about what will happen in a couple of months.
@MedicareSchool3 ай бұрын
We're pleased that we can help!!
@RO-dj8dp3 ай бұрын
What this means is price goes up coverage goes down but don't worry the politicians are all taken care of with great healthcare plans we all pay for.
@TheWilferch3 ай бұрын
Marvin....this is a public "thank you" for the discussions we had off-line...... I will need to speak to you again in the upcoming days or weeks...., and hope to do so....cheers !!!!
@brianhogan3863 ай бұрын
I’m thinking of retiring to Mexico where healthcare costs are much more affordable and the weather is conducive for a healthy lifestyle!
@WeatherOdyssey3 ай бұрын
But didn't we already beat Medicare?
@NoMoreTears643 ай бұрын
😂😂😂😂😂 good one
@dianahensley87153 ай бұрын
😅😅That's what Biden claims!
@debrabraz62583 ай бұрын
😅Yeah, they beat it to shreds! Lord, help us.
@brianhogan3863 ай бұрын
Beat back better and don’t worry Kommie will continue build back and broken!
@aqueneable3 ай бұрын
In short, the letter isn't from Medicare, but from Advantage.
@bradleyrupp21113 ай бұрын
Outstanding and very informative THANKS MARVIN😊
@MedicareSchool3 ай бұрын
Glad you enjoyed it. We're happy to help.
@dmobrecht1093 ай бұрын
How are the elderly supposed to do all this every year?
@MedicareSchool3 ай бұрын
We know that this can be confusing and overwhelming, we can review every year with our customers to ensure they are still in the best plans for their needs. If you would like some assistance we are here to help. You can reach our office at 1-800-864-8890.
@debrabraz62583 ай бұрын
They don't care if they make it hard on you or me. That's the truth of the matter I'm sorry to say. It finally sunk in for me
@brianhogan3863 ай бұрын
Welcome to Medicare Madness for dummies!
@loisfolk54923 ай бұрын
The problem is that we the insured have to decide on a plan by December 7, but the providers have till the end of December to sign a contract or not. I worked in hospital billing and people would get stuck sometimes because the insurance company will say oh we’re in contract with your hospital, but then it fell through because of the money page and the insured is stuck with a plan that can’t be used at the hospital they use and sometimes the doctor that they’re seeing. I think i think should be changed. I think this by having the contracts signed earlier and the patients having till December 7. So there.
@redrufus4443 ай бұрын
If you are a illegal! move to the head of the line..!!
@flickwtchr3 ай бұрын
That is just utter nonsense. Stop listening to so much right wing propaganda.
@dianecernak71303 ай бұрын
And if you are.... everything is completely PAID FOR
@mc0wenM3 ай бұрын
That’s ridiculous.
@gaylewright98663 ай бұрын
Lots of corruption!
@David-cv3bp2 ай бұрын
@@dianecernak7130 stop lying or show a trustworthy source! Illegals will get help only as an emergency or if it is a non-profit not subsidized.
@pattyyoung74833 ай бұрын
Excellent information. Thank you.
@MedicareSchool3 ай бұрын
Glad it was helpful!
@ouiser19553 ай бұрын
I cannot believe Any reputable Insurance Agent would advise someone to sign on with a Medicare Advantage plan. Advantage plans are Notorious for denying claims! And you are pigeon holed with Their specific providers. As far as the Inflation reduction act. There maybe some really really bad changes coming. Time will tell but look very very closely at the drugs you take and where they will be in the Tiers as compared to where they are currently. Also, the drug negotiation program will probably be an issue. You maybe forced to switch your medication. Not all drugs are equivalent in outcomes for your health. The games that the government and insurance companies play is just disgusting!!
@sueellens3 ай бұрын
Wow, thank you. I’m 63…need to start thinking about things now, although with so many changes that can and will happen, and having a mom in her 80s, there is no time like the present to begin to understand. Just subscribed. Again, thank you.
@MedicareSchool3 ай бұрын
You are so welcome. If you have any questions just give us a call at 1-800-864-8890!
@deadwooddramaqueens89513 ай бұрын
So glad this is as clear as mud!
@MedicareSchool3 ай бұрын
If you have any questions we're mor than happy to help. You can contact our office at 1-800-864-8890.
@thecrone79643 ай бұрын
The big fat book we get drives me even more nuts. I am still a very competent individual and able to keep myself on track with everything but Medicare and all of the "alternatives", "exceptions", and specifics that may or may or may not now be available or allowed going forward. I'm looking forward to not having to worry about this help in the - please God - near future. I'm not sure what the "scam' is but there has to be something that goes back to the people who run these programs that benefit them without it being obvious to us.
@lynnsliker6193 ай бұрын
More threats from our great government! This government would rather us old people just disappear.
@MohammadRafiq-kt8nj3 ай бұрын
Nice detailed presentation
@MedicareSchool3 ай бұрын
Thank you!
@thomasbailey69973 ай бұрын
I believe the United States has some of the best medical systems in the world but what good is it if you can't afford it.
@stephenzies88673 ай бұрын
Thank You Marvin As Always. Your Knowledge Is Priceless . You Are AWESOME. 👍
@MedicareSchool3 ай бұрын
You are very welcome
@giniaRed2 ай бұрын
As people get older, all these changes become harder to understand
@MedicareSchool2 ай бұрын
We understand and we are here to help along the way. If you ever have any questions you can call our office at 1-800-864-8890.
@harveypost77993 ай бұрын
Thank karala
@maryblessing22053 ай бұрын
Good to know. Thank you ❤
@MedicareSchool3 ай бұрын
You’re welcome 😊
@petgranny1943 ай бұрын
Thank you for the information.
@MedicareSchool3 ай бұрын
Our pleasure!
@Linda-v8d3 ай бұрын
I have done medical billing and have dealt with insurances for over 30 years, and when I retired, I was blown away at the process of attaining Medicare. Absolutely ridiculous the amount of time and research that I needed to do. Good luck everyone!! Getting my degree in college was easier then applying for Medicare! You make one mistake and you will have to pay more every month for that mistake for as long as you have Medicare. It happened to a friend of mine. Medicare is so expensive and then they can penalize you on top of it. Nothing like ripping off the old people who paid into the system their whole life. Where do the people who make up the rules, come up with this crap!!!!
@x.y.73853 ай бұрын
I live in CT. My supplemental plan can be changed once a month forever without underwriting
@mey75793 ай бұрын
You probably pay a higher premium for that privilege but I still envy you.
@Tangerine-rj5tr2 ай бұрын
I'm wishing for Medicare for all.
@douglaswilkinson57003 ай бұрын
It's time for me to tell my friends and family to watch this important video. And follow up! (I even follow up with myself these days but for Part D only.)
@MedicareSchool3 ай бұрын
Happy that we can help!
@douglaswilkinson57003 ай бұрын
@@MedicareSchool I have friends who signed up for MA and are sadly regretting it. And the "perks" are now essentially useless.
@fayeb.58553 ай бұрын
Yes, I received notice of premium increase for Med Supp plan. Costs just keep increasing.
@SJ-lm7xz3 ай бұрын
People would be better off being their own Dr. I don’t even want Medicare, I’m not taking the B part. The healthcare system in the U.S. is a bloated ineffective cash cow to the corporate shareholders.
@miketravels3 ай бұрын
I have a plan D. It changes every year, and I usually also change every year. Nothing new here.
@judyfreeman51933 ай бұрын
This has been so confusing for us and you spelled it out clear and simple. Just know you are making a huge difference in making life better for real people
@MedicareSchool3 ай бұрын
That is wonderful to hear! That is always our goal!
@jeannereed20333 ай бұрын
Very helpful!! Thank you!
@MedicareSchool3 ай бұрын
Glad it was helpful!
@dkd12283 ай бұрын
Even if they still carry your prescription on the part D formulary, check to see if they've changed the way they calculate the paid benefit for that prescription. You might avoid an unpleasant surprise.
@TheWilferch3 ай бұрын
Question. Look at your vid....timeline around 23:00+, but NOW consider a person who fits into category 4 *AND* 5...a retiree who has a company sponsored plan that acts like a Medigap plan...BUT has an embedded part D company embedded in their medical plan. Seeing that it works like a Medicare A/B policy....plus a Medigap "D" policy( combined)...what are my DATES allowed for change? Does it default to the more restrictive Oct-Dec dates because it had a part "D" component?
@MedicareSchool3 ай бұрын
Since it's a retiree plan and not directly with Medicare, there would be different rules and enrollments. You will want to verify with the carrier when that window is open for you.
@TheWilferch3 ай бұрын
@@MedicareSchool ... I think we're missing something. Let's say it this way. If someone has a stand-alone Medicare supplement plan "G"....they can change anytime in the year. Similarly, If they have a stand-alone Rx plan "D", they can't change anytime....they can change only during the open enrollment period in Oct-Dec, as determined by the govt. The "hair" on this is that the company plan is a blended policy that has a "G" and a Rx "D" component . If (say, fro example) you drop out of this company plan in June.....the medical plan substitute can be found in the open marketplace ( G, N, etc)....but I think you can't buy a new RX "D" until October. Right? Since no one would leave themselves open like this without Rx coverage for a few months...wouldn't the answer be you can only change the company plan in Oct-Dec to avoid coverage lapse? These allowable engagement dates are dictated by the govt, not the company policy.
@johnlopez3703 ай бұрын
What about Medicare/Medicaid plans. Can those change annually? I suspect that they do. Any info you can provide?
@MedicareSchool3 ай бұрын
They can change annually, not much information that we can provide. It would vary based on where you live. You can always review those to ensure you're still in the best plan possible. We'd be happy to help you can call our office at 1-800-864-8890.
@janemartin2293 ай бұрын
So, does the last thing. the Rx formulary, mean that the drug insurance companies can stop covering those meds that fall into the donut hole now (the very expensive drugs)?
@tonimurray28653 ай бұрын
I have Medicare part A and B. My supplemental plan was canceled for nonpayment which was fine but my stand alone prescription plan would not let me cancel and their rates had gone up from 30$ to $ 50 in 2024.
@catalinawoody69543 ай бұрын
Because of the democrat Inflation Reduction plan which caused Inflation, is going up a lot more in 2025.
@cindypatrick7853 ай бұрын
Thank you for your clear and understandable explanation of the times we can make changes in our plans!!! I am seriously considering stepping down to plan N to counter the inevitable premium increases to come to my husband’s plan F “ pool” due to numerous chronic health issues 😏
@MedicareSchool3 ай бұрын
If you need any assistance with this, give us a call at 1-800-864-8890. We'd be happy to help!
@oldmanonthehill86613 ай бұрын
Great information, 👍
@MedicareSchool3 ай бұрын
Thanks for watching!
@lindawer3 ай бұрын
A healthcare system that does more than dispense drugs would go a long way toward simplifying things.
@speterson62923 ай бұрын
My senior neighbors and myself may miss this important letter as we haven’t had mail delivery since before July 4. Community mail box owned and maintained by the PO is broke. BTW how we going to receive and return our mail in ballots in a few weeks?
@l.clevelandmajor99313 ай бұрын
There are things I never agreed to that have been happening to me through the Medicare Advantage Plan. I think it's designed to line the insurance companies' pockets. Like now I receive about $100.00 less than I was before, and at that time I was getting about $870.00. Now it's $770.00. I had a hard time living on what I was getting before. Why they just took the money without notifying me is a big mystery to me.
@quilino593 ай бұрын
Very good information I have original medicare plus supplemental high deductible G In NYC my plan D premiums is 3.75 I hope it doesn't go up.
@pamfrank39623 ай бұрын
Thank you for sharing this information
@MedicareSchool3 ай бұрын
Glad it was helpful!
@whatsamattayu32573 ай бұрын
Got a heads up from my plan administrator that Medicare Advantage changes were coming in 2025. He suggested we meet in October, as soon as all the details are made available, to see how they may affect my plan next year.
@raymondmartin67373 ай бұрын
I am 80, and my wife is 81. I still drive, have hobbies, amateur radio 62 years, my wife 20 years, and active with Computer. I am also fluent in German, having grown up with it from my parents and in college I had 20 credits of German, just short of the Technology level. My wife has traditional Medicare, with a Supplement, and Part D plan. Moving back to NY state this November, I will switch to this too, even though more expensive than Medicare Advantage, and being a 100% Diabled American Veteran, with Community Care under the Mission Act, referrals are a pain with it, and I will go to a private Pharmacy in NY state, not Walgreens or CVS as they are not knowledgeable enough for 12 prescriptions and 2 Insulins. Nothing but trouble with the VA about my Insulins over the last 3 years. Luckily, Insulin is only 35.00 per month now at the pharmacy. I think it is poetic justice that so many Private pharmacies were driven out of business by the chains, and now.the Prescriptions they are closing locations. 😮
@betaylor50313 ай бұрын
Thank you for the Heads Up!!!
@MedicareSchool3 ай бұрын
You bet! Always here to help!
@TC-yi3ue3 ай бұрын
Having worked in various call centers most of my life, you are spot on with your assessment. Poorly trained and usually have an expected call time. Get the customer off the phone :(
@emptybuddha53083 ай бұрын
Does this apply to Medigap plans with original Medicare?
@MedicareSchool3 ай бұрын
Medigap plans will always remain the same, the only thing you would expect change is your monthly premium.
@deanfranklin68703 ай бұрын
I'm in a different class that seldom gets covered but lots of commercials are being aired. Dual enrollment. I'll get a letter from my Plan, in my case United Healthcare, and from my state about my combined coverage from Medicaid. And unfortunately, because it's different I've never seen anyone cover it.
@colemant68453 ай бұрын
You left out one Type of Broker/Agent .... The advisor co. that is offered to you by a Co. you worked for that will PAY the Medicare recipient a Monthly "reimbursement" (usually $125/mth) if you use that specific company. They typically are Independent agents that carry MANY Plans. Why did you leave this option out?
@williamwilson64993 ай бұрын
I just recently got approved for Medicare…don’t have the card yet. I only signed up for Schedule A as I still have my Federal Employee Health Benefit.
@MedicareSchool3 ай бұрын
I take it you are still working?
@williamwilson64993 ай бұрын
@@MedicareSchool Hell no…retired nine years ago at 56 and haven’t worked a day since.