Matthew's videos are ALWAYS informative. I really appreciate the fact that he is insurance company "agnostic" -- that is, he does not favor one company over another. Great job, Mathew!!
You are incredibly helpful. Spoke with your staff person Candy. Waiting to correct my Part B application as SEP. they have me starting July 1butvi wanted May 1. Will follow up next week.
Once again, you have walked me through a change in my Plan D after my company discontinued my current plan. Easy to understand and easy to enroll. Thanks!
As always, Matthew and Medigap Seminars provides simple yet thorough and timely information that makes managing my Medicare experience so much easier. Thanks!
Hi, Matthew. Your videos really give me peace of mind. Just your calm delivery of such confusing information “de-confuses” it for me. And the part D shopper link is great. So easy to do side-by-side comparison shopping, knowing that you have vetted the choices! Thank you so much for being there for us all. Stay super safe 😷
Just started Medicare in September 2020 and was very happy with your services in selecting my Supplemental and Rx plans . Will definitely be shopping anew for Part D, as I am currently with Wellcare!
It was helpful to learn that Medicare Supplement plans can be enrolled in at any time. Also I didn't know that Benefits never change for the duration I have a Medicare Supplement plan.
Beware, things aren't always the way they appear! Notice how the gentleman is very nice and says he just wants to help. He says just call if you have any questions. I called their number and said that I was interested in part D, immediately, the agent Beth became very rude. I don't think I have ever spoken to that level of a b-t-h in my life and I'm no spring chicken. She said we don't answer questions from non customers. I said the reason I am calling is to potentially be a customer. She then rudely said this conversation is over and before she hung up I said "so you don't sell Part D", she said I could self enroll but they only sell the more expensive suppliment and that she didn't make money talking to me so the conversation is over. I said "I'm going to tell people on Social media how rude you people are". She laughed and said "I don't care, go ahead" and hung up the phone on me. First of all, I didn't care if she answered my questions or not. I was trying to figure out what business they are in, in other words what they sold? Did you notice how in the videos, the gentleman constantly tries to sell you on the advantage of suppliment insurance and criticizes all other forms of insurance? That is what they sell, only suppliment insurance. As she said, if she isn't selling that, she isn't making money and if she isn't making money from you, you are as worthless to them as used toilet paper. So what does this mean to you? First of all, I wouldn't suggest trusting the bias opinions in these videos of suppliment insurance. Secondly, if only money is motivating these sales people and not even basic humanity or kindness, do you really think they are going to not put their profit over what is in your best interest? This gentleman mentions that you are not charged for their service, that the companies pay them. I use to be in a similar agency business and what he said is not exactly true. It's true that you don't have to pay his agency but the companies that use agencies have to pay these agencies tons of money and that money doesn't grow on trees. They obtain this money by charging their customers higher fees, and are usually or always going to charge you higher fees than companies that don't have this overhead. He claims he only specifically selects companies that are in your best interest because he is such a caring person. The truth is that he only uses companies that are willing to hire his agency. If you use his agency, not only are you likely getting the most expensive plans, but you are getting a small sample of the options available to you because not all companies use expensive agencies to sell their product and not all companies that do, use this particular agency. Unless you want to make what will likely be a very expensive mistake, I would suggest going to the government website and seeing ALL the availability plans and speak to the government representatives for questions instead of through an agency that wants to direct you in the path that makes them the most profit instead of what is in your best interest. She didn't have to be so very rude. This just shows the type of people you are dealing with. Her attitude opened my eyes and saved me from making a costly mistake. After I had time to think about the attitude of this person, it got me thinking about the big picture. The most predatory sales people make their money on senior citizens. Could that be the reason for her attitude? It wasn't just her rudeness, but her arrogance. I'm obviously a senior citizen like most of you that have watched these videos. We senior citizens are suckers for our impressions to the point where we emotional tend to place more focus on how we judge the messenger than the specifics and complexities of the message. I remember when my mother had just retired in her 60s and I was in my 30s. I recommended a stock broker to her. After I introduced him, he started pushing her toward risky investments that were dangerous to her but made him a lot of commission, products he knew I would never purchase. I was shocked and had multiple conversations with her about why she needed to stop dealing with him. All she said was how nice he was and kept losing her savings. Everyday he kept trying to sell her more junk and finally I had to take matters in my own hands and protect her. I called him up and said that if he contacted my mother again, I was going to file a complaint with the SCC (selling risky investments to the inexperienced), so he stopped. I then compensated her for her losses since I recommended him. I'm now a little like her like most are when they get older. These people know what works with us old folks. They have a personality on these videos that is so nice and warm natured. He seems like a saint the way he talks as such a caring soul, often commenting that he is there to inform, to help, and not make money from us. He speaks about how he does not monetize his videos and just wants to send us in the right direction and in one video he just about went into academy award winning tears about how he saved a man so much money that he can now afford to see his grand kids. This sort of tactic of "saint salesman" from heaven would make a wise younger person even more suspicious, even angry, but us senior citizens are suckers for this. This guy has sold most of us up front, that's the objective, blinding us to the vultures that are laying in wait. Just deal with neutral parties, stay away from salesmen. You can call the government representatives a thousand times and ask questions if you like, you don't need these people. There are plenty of suckers they can make money from, try not to let it be you.
Sounds good. See you at PartDShopper.com. I urge all to check the formulary. My generic is in a tier 3 in my present plan and tier 1/2 just about everywhere else. Bye Bye present plan.
Matthew helped us find the best plan for us when I retired last year.He was so patient talking me through everything,I knew absolutely nothing about these plans before his help.I thought his help stopped on enrollment,but he keeps in touch with updates etc.I thoroughly recommend him if you are new to this Medicare life.
Unless you have credit bale employer coverage you will need to enroll in Medicare. This video will help make your choices clear: th-cam.com/video/t5OEsLXGiC4/w-d-xo.html Keep in mind, this coming Annual Election Period (Oct 15 - December 07) is not for you. You can ignore it. You will have your Initial Enrollment Period that starts in October and ends the last day of April 2022
Thank you for your information. QUESTION for you wouldbe , I am all new to this meaning I just retired Sept 18 2020.I need the following Part d,and dental,vision. But I will travelling in and Rv over the next10 years.What is best foe for me?
Hi Wallace, the best coverage will be a Medicare supplement. Which supplement and from which insurance company will be determined entirely on where you call home. If you provide us the information we need, I will email you prices etc. Just let me know you are the RV guy. PS - did you see this video on the subject? medigapseminars.org/medicare-plans/medicare-for-snowbirds-and-rvers/
The Tier has nothing to do with time. It can also be different from one company to another, depending on which manufacturer an insurance company is contracted with. See the videos on partdshopper.com/
I am turning 65 in July 2021 and believe eligible for Medicare, our situation is that my wife is 57 and a federal employee and we both are on her Blue Cross/Shield plan in Vermont. I am still working and have not taken SS, Luckily I have no diabetes, high blood pressure, or other health issues, Am I required to sign up; is it in our best interest for me to sign up now. My wife expects to retire at 62, what is your recommendation for me related to Medicare. Thank You
I'm still working in New York City, and turning 65 years old this year, 2021. Do I need to enroll now with Medicare Insurance? My employer is providing our health insurance. Thanks.
As long as you have creditable employer coverage and your employer has 20 or more employees you can delay enrolling in Medicare. Still, it would be to your benefit to do a brief cost benefit analysis. Most people find they have better coverage at a lower price with Medicare. We can help. 800-847-9680
Can you have an existing Supplement Plan and are interested in changing and know you have to do underwriting if you go through that process and you get denied are you still able to keep your existing Supplement Plan?
Quick question,when you say that if you change your plan Medicare will cancel your old plan,does that include the drug plan?So if I change ,my payment to the old one will automatically stop as the new one starts?
It refers to Medicare Advantage Plans and to Part D. Medicare will cancel the plans. The payments will only cancel if you are paying with an auto debit from your Social Security income. The rest is up to you.
Have Questions? have you tried partdshopper.com/ yet? #MedigapSeminars
Matthew, You are the Man !! No one else comes even close to your level of knowledge and concern for your clients. I continue to spread the word.
Thank you
Matthew's videos are ALWAYS informative. I really appreciate the fact that he is insurance company "agnostic" -- that is, he does not favor one company over another. Great job, Mathew!!
Thank you!
You guys are so very informative and I appreciate that thank you
Lots of good information Matthew, Thanks for the video.
You are incredibly helpful. Spoke with your staff person Candy. Waiting to correct my Part B application as SEP. they have me starting July 1butvi wanted May 1. Will follow up next week.
Thank you Annie. We aim to please!
Once again, you have walked me through a change in my Plan D after my company discontinued my current plan. Easy to understand and easy to enroll. Thanks!
As always, Matthew and Medigap Seminars provides simple yet thorough and timely information that makes managing my Medicare experience so much easier. Thanks!
I appreciate the simple explanations. Very informative, Thanks
Hi, Matthew. Your videos really give me peace of mind. Just your calm delivery of such confusing information “de-confuses” it for me. And the part D shopper link is great. So easy to do side-by-side comparison shopping, knowing that you have vetted the choices! Thank you so much for being there for us all. Stay super safe 😷
Just started Medicare in September 2020 and was very happy with your services in selecting my Supplemental and Rx plans . Will definitely be shopping anew for Part D, as I am currently with Wellcare!
Good. We are here to help
It was helpful to learn that Medicare Supplement plans can be enrolled in at any time. Also I didn't know that Benefits never change for the duration I have a Medicare Supplement plan.
Great job, extremely informative.
What a thoughtful and timely video. Thanks for reaching out.
You are welcome!
Very helpful answered my questions.
Thank you //
Thank you, Very helpful and you answered my question!
You are welcome
Very informative. Thanks !
You are welcome
Beware, things aren't always the way they appear!
Notice how the gentleman is very nice and says he just wants to help. He says just call if you have any questions. I called their number and said that I was interested in part D, immediately, the agent Beth became very rude. I don't think I have ever spoken to that level of a b-t-h in my life and I'm no spring chicken. She said we don't answer questions from non customers. I said the reason I am calling is to potentially be a customer. She then rudely said this conversation is over and before she hung up I said "so you don't sell Part D", she said I could self enroll but they only sell the more expensive suppliment and that she didn't make money talking to me so the conversation is over. I said "I'm going to tell people on Social media how rude you people are". She laughed and said "I don't care, go ahead" and hung up the phone on me.
First of all, I didn't care if she answered my questions or not. I was trying to figure out what business they are in, in other words what they sold? Did you notice how in the videos, the gentleman constantly tries to sell you on the advantage of suppliment insurance and criticizes all other forms of insurance? That is what they sell, only suppliment insurance. As she said, if she isn't selling that, she isn't making money and if she isn't making money from you, you are as worthless to them as used toilet paper.
So what does this mean to you? First of all, I wouldn't suggest trusting the bias opinions in these videos of suppliment insurance. Secondly, if only money is motivating these sales people and not even basic humanity or kindness, do you really think they are going to not put their profit over what is in your best interest? This gentleman mentions that you are not charged for their service, that the companies pay them. I use to be in a similar agency business and what he said is not exactly true. It's true that you don't have to pay his agency but the companies that use agencies have to pay these agencies tons of money and that money doesn't grow on trees. They obtain this money by charging their customers higher fees, and are usually or always going to charge you higher fees than companies that don't have this overhead. He claims he only specifically selects companies that are in your best interest because he is such a caring person. The truth is that he only uses companies that are willing to hire his agency. If you use his agency, not only are you likely getting the most expensive plans, but you are getting a small sample of the options available to you because not all companies use expensive agencies to sell their product and not all companies that do, use this particular agency.
Unless you want to make what will likely be a very expensive mistake, I would suggest going to the government website and seeing ALL the availability plans and speak to the government representatives for questions instead of through an agency that wants to direct you in the path that makes them the most profit instead of what is in your best interest. She didn't have to be so very rude. This just shows the type of people you are dealing with. Her attitude opened my eyes and saved me from making a costly mistake.
After I had time to think about the attitude of this person, it got me thinking about the big picture. The most predatory sales people make their money on senior citizens. Could that be the reason for her attitude? It wasn't just her rudeness, but her arrogance. I'm obviously a senior citizen like most of you that have watched these videos. We senior citizens are suckers for our impressions to the point where we emotional tend to place more focus on how we judge the messenger than the specifics and complexities of the message. I remember when my mother had just retired in her 60s and I was in my 30s. I recommended a stock broker to her. After I introduced him, he started pushing her toward risky investments that were dangerous to her but made him a lot of commission, products he knew I would never purchase. I was shocked and had multiple conversations with her about why she needed to stop dealing with him. All she said was how nice he was and kept losing her savings. Everyday he kept trying to sell her more junk and finally I had to take matters in my own hands and protect her. I called him up and said that if he contacted my mother again, I was going to file a complaint with the SCC (selling risky investments to the inexperienced), so he stopped. I then compensated her for her losses since I recommended him.
I'm now a little like her like most are when they get older. These people know what works with us old folks. They have a personality on these videos that is so nice and warm natured. He seems like a saint the way he talks as such a caring soul, often commenting that he is there to inform, to help, and not make money from us. He speaks about how he does not monetize his videos and just wants to send us in the right direction and in one video he just about went into academy award winning tears about how he saved a man so much money that he can now afford to see his grand kids. This sort of tactic of "saint salesman" from heaven would make a wise younger person even more suspicious, even angry, but us senior citizens are suckers for this.
This guy has sold most of us up front, that's the objective, blinding us to the vultures that are laying in wait. Just deal with neutral parties, stay away from salesmen. You can call the government representatives a thousand times and ask questions if you like, you don't need these people. There are plenty of suckers they can make money from, try not to let it be you.
Sounds good. See you at PartDShopper.com. I urge all to check the formulary. My generic is in a tier 3 in my present plan and tier 1/2 just about everywhere else. Bye Bye present plan.
This video is very helpful, thanks a lot
You are welcome Alexandro
Matthew helped us find the best plan for us when I retired last year.He was so patient talking me through everything,I knew absolutely nothing about these plans before his help.I thought his help stopped on enrollment,but he keeps in touch with updates etc.I thoroughly recommend him if you are new to this Medicare life.
Thank you Margaret
Hi I was wondering I'm 64 I will be 65 this coming January. I'm on BidenCare health insurance. Do I still have to sign up for Medicare??
Unless you have credit bale employer coverage you will need to enroll in Medicare. This video will help make your choices clear: th-cam.com/video/t5OEsLXGiC4/w-d-xo.html Keep in mind, this coming Annual Election Period (Oct 15 - December 07) is not for you. You can ignore it. You will have your Initial Enrollment Period that starts in October and ends the last day of April 2022
Thank you for your information. QUESTION for you wouldbe , I am all new to this meaning I just retired Sept 18 2020.I need the following Part d,and dental,vision. But I will travelling in and Rv over the next10 years.What is best foe for me?
Hi Wallace, the best coverage will be a Medicare supplement. Which supplement and from which insurance company will be determined entirely on where you call home. If you provide us the information we need, I will email you prices etc. Just let me know you are the RV guy. PS - did you see this video on the subject? medigapseminars.org/medicare-plans/medicare-for-snowbirds-and-rvers/
If you go to a medicare advantage plan and want to go back to regular medicare after one year what chance do you have of getting a supplement plan.
It will depend entirely on you health.
How long does it takes, generally speaking, from a drug to go from Tier 3 to tier 2? Is the trend to put more drugs as tier 3 now. Thanks!
The Tier has nothing to do with time. It can also be different from one company to another, depending on which manufacturer an insurance company is contracted with. See the videos on partdshopper.com/
👍
I am turning 65 in July 2021 and believe eligible for Medicare, our situation is that my wife is 57 and a federal employee and we both are on her Blue Cross/Shield plan in Vermont. I am still working and have not taken SS, Luckily I have no diabetes, high blood pressure, or other health issues, Am I required to sign up; is it in our best interest for me to sign up now. My wife expects to retire at 62, what is your recommendation for me related to Medicare. Thank You
Your information and videos are very helpful and greatly appreciated. Thank you!
I have united health care now,what can you advise me?im really confused
I'm still working in New York City, and turning 65 years old this year, 2021.
Do I need to enroll now with Medicare Insurance? My employer is providing our health insurance. Thanks.
As long as you have creditable employer coverage and your employer has 20 or more employees you can delay enrolling in Medicare. Still, it would be to your benefit to do a brief cost benefit analysis. Most people find they have better coverage at a lower price with Medicare. We can help. 800-847-9680
Can you have an existing Supplement Plan and are interested in changing and know you have to do underwriting if you go through that process and you get denied are you still able to keep your existing Supplement Plan?
Yes, Sean you can keep your existing plan. In fact we strongly recommend that you never cancel an existing plan until after your new plan is approved.
Very informative video and I will contact you regarding my wife and myself.
I look forward to it. Thank you
Quick question,when you say that if you change your plan Medicare will cancel your old plan,does that include the drug plan?So if I change ,my payment to the old one will automatically stop as the new one starts?
It refers to Medicare Advantage Plans and to Part D. Medicare will cancel the plans. The payments will only cancel if you are paying with an auto debit from your Social Security income. The rest is up to you.
MedigapSeminars.org Thank you.Didn’t expect a reply on a weekend.Much appreciated..
this info is much appreciated!