I like that you show us how to use the government site. A couple other TH-camrs want you to do it through their websites, which I see now mirror the government one. Thanks for your straightforwardness.
Thank u for the info. I will be 65 soon. My plan is to sign up for Part A and Part B. Since I am going the Medicare advantage route, do I still need to sign up for Part D too or not, since it’s included n the advantage plan. Thanks!
If you have drug coverage included in your Advantage plan , you do not need to enroll in a strand alone Part D drug plan. In fact, doing so would cancel out your Medicare Advantage plan enrollment. Hope this helps!
Are there any plan D providers that do no impost step therapy on any of the drugs/medicines in their formularies? You provide great information, by the way! I don't take any meds at the moment, but am concerned if I get cancer if I will be stuck with using older drugs when new ones are better.
Tom, most Part D companies DO require step therapy on certain medications, but that can vary based on the Part D Plan and the medication in question. These Part D plans can change from year to year, so we recommend actively shopping these plans annually, and as your needs change. Also most non-self administered cancer drugs are covered by Part B, not Part D. I hope this helps!
@@AbtInsuranceAgency Stephanie, thank you. I really like your channel. You're one of the best on TH-cam at explaining the complexities of Medicare to general audiences.
Can someone switch from a Medicare Advantage Plan to a Medicare Supplement Plan during Oct 13th - Dec 7th without any issues? And does the Medicare Supplement Plans cover Part D or drug coverage?
Mary Tucker yes you can switch to a Supplement Plan during Oct 15 - Dec 7 but it most states you may need to pass through medical underwriting to qualify. Part D coverage will be separate. I would be happy to give you some more information specific to your situation! 888-465-9728 or email stephanie@abtinsuranceagency.com.
I want to give a shout out to "Jake", he was great and very patient, he made it so easy for me to fill out application. THANK YOU SO MUCH. GOD BLESS !! LOVE YOUR VIDEOS THEY ARE VERY INFORMATIVE...
If I have Aetna Medicare Advantage, can I go with other carrier for Part D? I got into that donut hole here a couple months back due to , two drugs that went up in cost abs are tier 3 drugs
Most Medicare Advantage Plans include Part D Rx benefits, and in most cases you cannot enroll in a stand alone Part D Rx Plan and also have a Medicare Advantage Plan at the same time. This Plan Finder tool allows you to search for Part D Plan Rx costs and compare those to estimated Rx costs on your Medicare Advantage Plan. You can view estimated 2021 costs starting in October!
I am under Group Plan therefore only get Part A until Group Plan out then will apply for Part B under Special Enrollment Period. My question is do I have apply for Part D now, if I wait until I apply for Part B, Is any penalty apply? Thank you for all great informative videos.:-)
That’s a common question! As long as your current group plan is considered “creditable” for Medicare Part D, you can delay Part D enrollment without penalty. Your group plan has to alert you if your coverage is NOT creditable. I hope this helps!
Stephanie, if I sign up for a new Part D provider for 2021 online, is my old provider automatically notified or do I need to contact them? Really enjoy your videos!
Your old Part D provider is automatically notified to cancel your Part D Plan effective Jan 1st. Medicare only gives you one "slot" for Part D, so a new enrollment automatically cancels out the old one. I hope that helps!
@@rb5061 There is no advantage to having your Part D Rx plan with the same carrier as your Medigap plan. I would base the decision on overall costs for the year, including premiums and copays. I hope this helps!
Tom Scharf after you apply for Medicare you can see your Medicare number via your ssa.gov account. It typically takes about 2 weeks after your enrollment to show there. That’s the same Medicare # you’ll use when enrolling in Part D. I hope this helps!
I noticed that a drug I use would cost less using a third party coupon instead of purchasing through the part D plan. Can a person utilize this or does it need to be through the part d plan?
You can purchase drugs with a coupon or discount instead of insurance. I find some meds less with a discount app vs my medicare plan so I just tell them to use the discount instead of insurance at the pharmacy.
Maybe some information on the stages of coverage one might go through with a focus on the coverage gap. Also, any tips on how one can avoid or delay going into the gap.
So many videos about Federal welfare programs, Social Security and Medicare. No need for seniors to be so greedy. These programs are paid for by the taxes young workers pay and the elderly should be grateful, not bitter. Have a nice day!!
You are wrong. We paid for decades for our S.S. and Medicare "and" we still have to pay on average $350 per month for Medicare even if we don’t use it "and" if we have to go to the hospital we have to pay almost $3000 for I believe it's every 3 months. So, Medicare is certainly not free even though that is what we thought for years. S.S. is not welfare; we paid for it. We built this country, you should be grateful and stand for the rights and freedoms that are being torn down by your generation. I agree with you about welfare.
I like that you show us how to use the government site. A couple other TH-camrs want you to do it through their websites, which I see now mirror the government one. Thanks for your straightforwardness.
😊
Thank you so much! It's sometimes hard to reach people by phone to ask questions.
As always you are the best when it comes to Medicare you make sound very simple
😊
Great job. Thanks for sharing this information!
Something wrong with Health care, when there are so many Utubers explaining over and over how simple Medicare is to understand?
Appreciate each of your excellent videos, they helped my wife and I so much as we transitioned into Medicare. God bless...
Thank u for the info. I will be 65 soon. My plan is to sign up for Part A and Part B. Since I am going the Medicare advantage route, do I still need to sign up for Part D too or not, since it’s included n the advantage plan. Thanks!
If you have drug coverage included in your Advantage plan , you do not need to enroll in a strand alone Part D drug plan. In fact, doing so would cancel out your Medicare Advantage plan enrollment. Hope this helps!
If you change drug plans during open enrollment are there health questions?
No, never health questions to change your Part D drug plan.
Are there any plan D providers that do no impost step therapy on any of the drugs/medicines in their formularies? You provide great information, by the way! I don't take any meds at the moment, but am concerned if I get cancer if I will be stuck with using older drugs when new ones are better.
Tom, most Part D companies DO require step therapy on certain medications, but that can vary based on the Part D Plan and the medication in question.
These Part D plans can change from year to year, so we recommend actively shopping these plans annually, and as your needs change.
Also most non-self administered cancer drugs are covered by Part B, not Part D. I hope this helps!
@@AbtInsuranceAgency Stephanie, thank you. I really like your channel. You're one of the best on TH-cam at explaining the complexities of Medicare to general audiences.
If I pick a new plan for 2022, do I need to disenroll from my present plan?
No - your old plan will auto-cancel effective January 1st!
Can someone switch from a Medicare Advantage Plan to a Medicare Supplement Plan during Oct 13th - Dec 7th without any issues? And does the Medicare Supplement Plans cover Part D or drug coverage?
Mary Tucker yes you can switch to a Supplement Plan during Oct 15 - Dec 7 but it most states you may need to pass through medical underwriting to qualify. Part D coverage will be separate. I would be happy to give you some more information specific to your situation! 888-465-9728 or email stephanie@abtinsuranceagency.com.
I want to give a shout out to "Jake", he was great and very patient, he made it so easy for me to fill out application. THANK YOU SO MUCH. GOD BLESS !! LOVE YOUR VIDEOS THEY ARE VERY INFORMATIVE...
If I have Aetna Medicare Advantage, can I go
with other carrier for Part D? I got into that donut hole here a couple months back due to , two drugs that went up in cost abs are tier 3 drugs
Most Medicare Advantage Plans include Part D Rx benefits, and in most cases you cannot enroll in a stand alone Part D Rx Plan and also have a Medicare Advantage Plan at the same time. This Plan Finder tool allows you to search for Part D Plan Rx costs and compare those to estimated Rx costs on your Medicare Advantage Plan. You can view estimated 2021 costs starting in October!
In another video, I think I heard you say you are licensed in 22 states? Is NH one of the states?
km 12 I am licensed in 46 states and yes NH is one of them! 😊
When is the open enrollment for 2020?
Part D Plans can be changed from Oct. 15th - Dec. 7th!
Abt Insurance Agency great, thanks
This is great, but I can't find the 2021 plans on the site, only 2020. Shouldn't they be up now?
Starting in October! You're a day early :-)
@@AbtInsuranceAgency Duh. thank you soooo much! Great info.
I am under Group Plan therefore only get Part A until Group Plan out then will apply for Part B under Special Enrollment Period. My question is do I have apply for Part D now, if I wait until I apply for Part B, Is any penalty apply? Thank you for all great informative videos.:-)
That’s a common question! As long as your current group plan is considered “creditable” for Medicare Part D, you can delay Part D enrollment without penalty. Your group plan has to alert you if your coverage is NOT creditable. I hope this helps!
Stephanie, if I sign up for a new Part D provider for 2021 online, is my old provider automatically notified or do I need to contact them? Really enjoy your videos!
Your old Part D provider is automatically notified to cancel your Part D Plan effective Jan 1st. Medicare only gives you one "slot" for Part D, so a new enrollment automatically cancels out the old one. I hope that helps!
@@AbtInsuranceAgency Thanks!
@@rb5061 There is no advantage to having your Part D Rx plan with the same carrier as your Medigap plan. I would base the decision on overall costs for the year, including premiums and copays. I hope this helps!
Thank you. Very helpful
How would you have a Medicare number if you are new to Medicare?
Tom Scharf after you apply for Medicare you can see your Medicare number via your ssa.gov account. It typically takes about 2 weeks after your enrollment to show there. That’s the same Medicare # you’ll use when enrolling in Part D. I hope this helps!
I noticed that a drug I use would cost less using a third party coupon instead of purchasing through the part D plan. Can a person utilize this or does it need to be through the part d plan?
You can purchase drugs with a coupon or discount instead of insurance. I find some meds less with a discount app vs my medicare plan so I just tell them to use the discount instead of insurance at the pharmacy.
Very helpful
I find that going through Kroger is cheaper than plan d.
Have you used Medicare.gov to shop for Part D? What other Part D topics should I cover? Let me know your thoughts!
Maybe some information on the stages of coverage one might go through with a focus on the coverage gap. Also, any tips on how one can avoid or delay going into the gap.
9929kingfish thanks for commenting! This video covers a lot of those topics too : th-cam.com/video/HLZnOcxQbXc/w-d-xo.html
Abt Insurance Agency perfect. Thanks
Can you help me to enroll me in your group please thanks
So many videos about Federal welfare programs, Social Security and Medicare. No need for seniors to be so greedy. These programs are paid for by the taxes young workers pay and the elderly should be grateful, not bitter. Have a nice day!!
You are wrong. We paid for decades for our S.S. and Medicare "and" we still have to pay on average $350 per month for Medicare even if we don’t use it "and" if we have to go to the hospital we have to pay almost $3000 for I believe it's every 3 months. So, Medicare is certainly not free even though that is what we thought for years. S.S. is not welfare; we paid for it. We built this country, you should be grateful and stand for the rights and freedoms that are being torn down by your generation. I agree with you about welfare.