My medications cost $11,000 a MONTH! This is insane if I had to pay myself. I have a medicare provider and the VA provides my drugs. This plan looks like something people should evaluate.
In Texas. I have a supple today that has skyrocketed. I’m 70 and want to change but Texas does not allow without going through underwriting. My pard d is being discontinued. WellCare for 50cents they cover tier 1 & 2 tier 3 outrageous. They cover all my meds Advice please for plan d
I have a United healthcare advantage. I was told to change over to Medicare part a and B and pick up a supplement, but the supplements are running $388 a month. Is there anything else out there that will allow me to go anywhere and thank you so much.
We can see if there are other supplements that are more affordable for you. Or exploring other avenues outside of those. Please give us a call so we can better assist you! You can reach us at 1-800-864-8890.
With cost of living Medica- is way to high plus adding dental and eyes. I was on plan g and like the advantage more. As you get older cost of medigap keeps going up as we get older. Crazy!
@Cindy-ou1uf….I have had Aetna Part D for the last two years, and it’s VERY SELDOM that I have my prescriptions go through Aetna, as they are TOO HIGH! I generally use my SingleCare card…..it’s saved me a LOT! I have hated paying (extortion) money in the form of premiums, for an insurance I basically can’t use! So I’m going to WellCare this next year, with the zero premiums! Yay! I don’t like paying for insurance that I can’t use anyway.
Hello! You and your talks are great! Would you kindly cover a talk on AFLAC? I am 6 1/2 years away from qualifying for medicare… thank you! Punta Gorda, Florida
It makes me nervous that there are fewer plans. I really only need two medications (asthma) but they are both very expensive. I wonder what will happen when I can't find a plan that covers them both. ??? (one would be several thousand dollars a year, the other over $60,000/yr) It's a real concern
You can ask your provider to write a formulary exception for the carrier explaining the new diagnosis and why you now need this covered and added onto the formulary for the year. You will have to find a plan for next year that then includes that rx. But the formulary exception would be good for the calendar year.
Going with traditional Medicare with a supplement would terminate your Tricare benefits. Here is a video we did about this that can help better understand your options! th-cam.com/video/JJYauUj8MWU/w-d-xo.html
@lifeisgood15…..Is this in reference to Cigna Medicare ADVANTAGE Plan…..or does this include even the Cigna Supplement Plan too? I really need to know. I also just learned, that Cigna had sold their Medicare part to Health Care Service Corporation. It would have been nice to know this before I switched from Aetna…..but I still have time to switch-if I still want to. I have read that HCSC is supposed to be good……but I don’t know. Anybody out there have their supplement with HCSC, but under the Cigna name? Has it been good?
When you are using the shopping tools you can see the formularies within those plans. We are having a live session today at 1pm CST. It will show how you see those formularies. You can join us today!
Your provider can submit what’s called a formulary exception to the drug plan carrier, explaining why this specific prescription is necessary. By including detailed information about your diagnosis, the carrier will review and decide if they can add the medication to your plan’s coverage for the year.
I am 65 on Dec 26 -24 with a Medicare meeting on Friday at 10 am. What should I be looking at my wife has ins on me till Dec of 2026 what do u recommend
It depends on what kind of coverage you all are looking to have in place. So it can be different for everyone. You can set a time to meet with our team and they can review the situation. You can reach us at 1-800-864-8890.
Hi I'm 69. I have Medicare a and b and a parrot d. I do not have a supplement plan or an advantage plan. If I try too enroll in either a supplement or advantage pan would I be penalized for not having been on one.
You would not be penalized you would have to go through medical underwriting to get onto a supplement plan. Advantage plans do not require underwriting, but can only be added on during the annual enrollment period. If you have any questions or need help you can call our office at 800-864-8890.
Hell what about united but I only have part And B what is best for me for medication and iam told the a husky as a secondary can help with low copys I would tyiur help with that
Hi there, we've recently did a video about FEHB benefits if you haven't seen it yet. We can better assist you if you want to meet with one of our agents that can review what you options are. You can reach us at 1-800-864-8890. th-cam.com/video/egdmf9IQ-Zg/w-d-xo.html
You will have to set up an appointment with someone on our team so they can narrow down that area and give you accurate pricing for those in your area. We are more than happy to help. You can call our office at 1-800-864-8890.
We can not help everyone one on one shop for new Part D plans while we wish we could it's just not possible for us. We are offering this service of simplifying the process. You can check out this tool that we have here medicareschool.com/aep-hq/
My name is Margarita Fix, 70 yrs old, from Florida, so I have Medicare parts A and b , and I have Try Care for life now my medication covers co pay. So do I need for more plan?
It sounds like you are covered very well. You can always call us and we'd be happy to review the plans you have to ensure they are still the best fit for you. You can reach out office at 1-800-864-8890.
When my fathered died the High Mark Advantage Plan, Which My Brother had to pay 25.00 when he died int he hospital. I have heard from a lot of positive comments within the retirement community who have the High Mark Advantage Plans. What is your opinion?
We unfortunately are not licensed with them so we do not offer those plans, so I can't say if I have an opinion on them cause I simply don't know how those plans operate.
@@philip9569the government will put a penalty, hence money , for every month you are not enrolled in a plan D. That penalty will last, the rest of your life
I have been on armour thyroid for 50 years. Before 65 my work insurance paid for it. (United Healthcare) but since on Medicare ( United Healthcare Advantage ) it won’t cover. My dr even sent in a letter they wouldn’t cover it. It was grandfathered in so it’s not fda approved but is fda controlled. I can not take Synthroid meds. I was bad on it. I was on armour thyroid since I was 18. In the 80’s we tried Synthroid and it did not work for me. I’m 69 years old. I’ve paid cash for it since 65. What do I need to do to get it covered? Thanks!
I am 63 I have limpadema I have a Advantage plain and I can't get any help . Thay keep sending me to get my legs wrapped and that Is not doing any thing for the reason that thay are swilling what can I do
It'd be nice if someone would talk Drug Plans for people not on prescriptions. I know everyone thinks we're all sick and on prescriptions. But if you're on Original Medicare it's advised to get a Drug Plan as preventative, but what is recommended if you aren't on any drugs? WellCare? Or one of the cheaper Cigna Plans?
You don’t have to get a drug plan but if you ever need them down the road then the government goes back and charges you for all the months you weren’t on a drug plan. I am in same situation with no drugs but I am going to pick the cheapest plan so I don’t have to assume the long term risk
@@masspatriot5409 Yes, that makes sense. I will do the same. But it's crazy that they penalize people long term for not having a drug plan. I don't know how they get away with that.
I have medicare advantage with the $2000.00 when I pay my deductible and the $2000.00 they say they will not pay for my copd medicine...which is trelegy ellipta inhalation powder ..it cost almost $2000.00 every 3 months so the drug benefit that they lowered to $2000.00 won,t help me at all........any suggestions????????
Trelegy is a fairly new inhaler and therefore quite expensive. Ask your Dr for an equivalent in inhaler that is not as expensive. Remember, there are many COPD inhalers that work just as well, and have been on the market for longer so they are not as expensive. When new medicines come out the drug companies encourage Drs to prescribe because everyone makes more money. They want patients on the new drug, even though it is not necessarily "better". Before Trelegy came out people were using other inhalers right? It's all about the money. They promote the new drugs because the price is sky high and drug companies make a billion dollars more. Insurance companies fight back because they know there are equivalent medications that work just as well, so it is hard to get them to pay for anything new. The price of Trelegy will come down once it is not a new drug. Drug companies are out of control in pushing Drs to prescribe the most expensive drugs. Ask your Dr what were people using before Trelegy came out? I bet whatever it is works just as well. You can also ask your pharmacist what people used before Trelegy (although I would trust a pharmacist less than my Dr because pharmacies also get a cut of the jacked up prices, but some are honest and will give you other options). Someone in government needs to crack down on the drug companies and the sky high prices they are charging. Unfortunately, you can follow the money. Just my opinion of course.
I would agree with Laurie, you may want to ask your provider for an alternative option for the inhaler. You can possibly look into other services that provide the same inhaler for a cheaper rate like GoodRx or Cost Plus Drugs. We are aware that some are getting their more expensive prescriptions and inhalers from other countries like Canda!
I am 63 turn 74 in march I have a Advantage plain now and I want to change to suplamental A+b with G and I was told that I have to wait till I am 65 is this true.
That is correct, most states do not offer supplement plans under the age of 65. Here is a video we have about this topic. th-cam.com/video/hTwF6ME9oeM/w-d-xo.html
Well I called medacare and thay set me up suplment A-B with a N and changed my advantage to a prescription plain .so I don't know what you talking abought . Better school up .dude . Giveing people the wrong infois not a good thing to do for your show .you have to be making big big money .
This guy is great. The way he explains things is easily understandable
We're glad that we can help!
My medications cost $11,000 a MONTH! This is insane if I had to pay myself. I have a medicare provider and the VA provides my drugs. This plan looks like something people should evaluate.
Watching North Georgia
In Texas. I have a supple today that has skyrocketed. I’m 70 and want to change but Texas does not allow without going through underwriting. My pard d is being discontinued. WellCare for 50cents they cover tier 1 & 2 tier 3 outrageous. They cover all my meds
Advice please for plan d
You can go to our sit for shopping a new Part D plan here: medicareschool.com/rx-aep/ We advise watching the video and going forward from there!
Love Overland, KS, we were received nicely.
Lakebay WA
I have a United healthcare advantage. I was told to change over to Medicare part a and B and pick up a supplement, but the supplements are running $388 a month. Is there anything else out there that will allow me to go anywhere and thank you so much.
We can see if there are other supplements that are more affordable for you. Or exploring other avenues outside of those. Please give us a call so we can better assist you! You can reach us at 1-800-864-8890.
Albany, NY
Please explain how the SSDI "extra help" program works with our part D plan.
I'm on it and has formula of how much meds cost according to your financial plan. I make 876 monthly meds are max of 4.50 each.
I have Wellcare and haven't had a problem with it. Doesn't cost me anything a month.
What about 2025?
Yeah it was good for me until 2025, when one drug I taking price went way way up.
I had to change for 2025.
I am w WellCare too and my plan went from $6.30 to $0!!!
A very pleasant surprise 😮 11:28
Right now I take 1 medication at age 67. 11:37
WellCare wouldn’t cover my dry eye drops, so it depends upon the drugs you are on. But Tier 1 drugs are free
With cost of living Medica- is way to high plus adding dental and eyes. I was on plan g and like the advantage more. As you get older cost of medigap keeps going up as we get older. Crazy!
Your deductible is 5,000??
Watching from Miami.
Watching from Montana
Merritt Island, FL 8:10AM EST
Cigna will cover Armour thyroid. You have to go through their formulary dept to get accepted.
Oklahoma still in F and afraid to change my cost is $396.49.
If you would like any help with a review we are here to help. You can contact our office at 800-864-8890.
Phoenix, AZ
Florida
Does a medicine that is not in the formulary count toward the 2000 limit?
No. He answered this in the first 10 minutes of the video.
Oh Arkansas, mid south, close to Memphis Tn.
Phoenix,
WellCare is good as long as you don’t need it..I had a ear and sinus infection and every medication the doctor prescribed was over $100…
Try GOOD RX
@Cindy-ou1uf….I have had Aetna Part D for the last two years, and it’s VERY SELDOM that I have my prescriptions go through Aetna, as they are TOO HIGH! I generally use my SingleCare card…..it’s saved me a LOT! I have hated paying (extortion) money in the form of premiums, for an insurance I basically can’t use! So I’m going to WellCare this next year, with the zero premiums! Yay! I don’t like paying for insurance that I can’t use anyway.
I got Covid in February after sitting w my husband in the hospital for 5 days, WellCare covered Paxlovid 100%. 10:47
Hello! You and your talks are great! Would you kindly cover a talk on AFLAC? I am 6 1/2 years away from qualifying for medicare… thank you! Punta Gorda, Florida
Great suggestion!
It makes me nervous that there are fewer plans. I really only need two medications (asthma) but they are both very expensive. I wonder what will happen when I can't find a plan that covers them both. ??? (one would be several thousand dollars a year, the other over $60,000/yr) It's a real concern
Snellville, GA
I have Etna part d.I hope help with meds same wife. Uses formula I pay 4.50 each . I take 6 meds monthly
Oak Lawn,Texas❤
During year I got sick and got newc rx not plan formulary. What can I do?
You can ask your provider to write a formulary exception for the carrier explaining the new diagnosis and why you now need this covered and added onto the formulary for the year. You will have to find a plan for next year that then includes that rx. But the formulary exception would be good for the calendar year.
We have BCBS Advantage and Tricare for life (Military Retired). Do we need to move over to Traditional Medicare
Going with traditional Medicare with a supplement would terminate your Tricare benefits. Here is a video we did about this that can help better understand your options! th-cam.com/video/JJYauUj8MWU/w-d-xo.html
I had Cigna in 2023. Horrible & rude. So many complaints the broker stopped recommending Cigna after his 1st & only year working with Cigna.
@lifeisgood15…..Is this in reference to Cigna Medicare ADVANTAGE Plan…..or does this include even the Cigna Supplement Plan too? I really need to know. I also just learned, that Cigna had sold their Medicare part to Health Care Service Corporation. It would have been nice to know this before I switched from Aetna…..but I still have time to switch-if I still want to.
I have read that HCSC is supposed to be good……but I don’t know. Anybody out there have their supplement with HCSC, but under the Cigna name? Has it been good?
Indiana
How can I see the formularies for the part D plans in my area?
When you are using the shopping tools you can see the formularies within those plans. We are having a live session today at 1pm CST. It will show how you see those formularies. You can join us today!
@@MedicareSchool Thank you. Do you have a link to the video?
Can a dr. get a med added to formulary upon requesting it for his patient????
Your provider can submit what’s called a formulary exception to the drug plan carrier, explaining why this specific prescription is necessary. By including detailed information about your diagnosis, the carrier will review and decide if they can add the medication to your plan’s coverage for the year.
Southeastern Indiana
I am 65 on Dec 26 -24 with a Medicare meeting on Friday at 10 am. What should I be looking at my wife has ins on me till Dec of 2026 what do u recommend
It depends on what kind of coverage you all are looking to have in place. So it can be different for everyone. You can set a time to meet with our team and they can review the situation. You can reach us at 1-800-864-8890.
Hi I'm 69. I have Medicare a and b and a parrot d. I do not have a supplement plan or an advantage plan. If I try too enroll in either a supplement or advantage pan would I be penalized for not having been on one.
You would not be penalized you would have to go through medical underwriting to get onto a supplement plan. Advantage plans do not require underwriting, but can only be added on during the annual enrollment period. If you have any questions or need help you can call our office at 800-864-8890.
Hell what about united but I only have part And B what is best for me for medication and iam told the a husky as a secondary can help with low copys I would tyiur help with that
We're happy too help, you can call our office at 800-864-8890.
I have burn-out trying to figure out what Supplement and Drug plan is best for me....will you make recommendations for me?
We would be happy to help, you can call our office at 800-864-8890. We can get you set up with someone on our team!
I am federal retiree. Can I have FEHB GEHA plus a Part D since GEHA drug plan is not good for my meds.
Hi there, we've recently did a video about FEHB benefits if you haven't seen it yet. We can better assist you if you want to meet with one of our agents that can review what you options are. You can reach us at 1-800-864-8890. th-cam.com/video/egdmf9IQ-Zg/w-d-xo.html
How do i get my question answer
Maine
Maryland
How much is supplemental plan part N in ca and oregon?
You will have to set up an appointment with someone on our team so they can narrow down that area and give you accurate pricing for those in your area. We are more than happy to help. You can call our office at 1-800-864-8890.
You get all that information on the official Medicare website.
Kansas
Medford Oregon
Independence, MO
San Francisco Ca
What about ChampVA. Is that credible coverage for part D?
That is creditable for Part D!
I called about changing my part d, person who answered said you no longer do part d enrollments or changes???? WTH???
We can not help everyone one on one shop for new Part D plans while we wish we could it's just not possible for us. We are offering this service of simplifying the process. You can check out this tool that we have here medicareschool.com/aep-hq/
Pittsburgh
Atlanta
Alabama
Austin TX
My name is Margarita Fix, 70 yrs old, from Florida, so I have Medicare parts A and b , and I have Try Care for life now my medication covers co pay. So do I need for more plan?
It sounds like you are covered very well. You can always call us and we'd be happy to review the plans you have to ensure they are still the best fit for you. You can reach out office at 1-800-864-8890.
NE Ohio
Me too!
Let’s call them the you tube “minions “. Lol.
Mississippi
When my fathered died the High Mark Advantage Plan, Which My Brother had to pay 25.00 when he died int he hospital. I have heard from a lot of positive comments within the retirement community who have the High Mark Advantage Plans. What is your opinion?
We unfortunately are not licensed with them so we do not offer those plans, so I can't say if I have an opinion on them cause I simply don't know how those plans operate.
pittsburgh pa
Iowa
What about GoodRx and GoodRx gold?
You can still use those outside services. You will want to still have a Part D in place so you aren't accruing any penalties.
@@MedicareSchool What penalties?
@@philip9569the government will put a penalty, hence money , for every month you are not enrolled in a plan D. That penalty will last, the rest of your life
I have been on armour thyroid for 50 years. Before 65 my work insurance paid for it. (United Healthcare) but since on Medicare ( United Healthcare Advantage ) it won’t cover. My dr even sent in a letter they wouldn’t cover it. It was grandfathered in so it’s not fda approved but is fda controlled. I can not take Synthroid meds. I was bad on it. I was on armour thyroid since I was 18. In the 80’s we tried Synthroid and it did not work for me. I’m 69 years old. I’ve paid cash for it since 65. What do I need to do to get it covered? Thanks!
You can look into outside services or companies that provide help with things like this. advocatemymeds.com
I have part a but part b has so many holes in it..i really dont want it
If you have any questions, or need help with this process we are here to help. You can reach us at 1-800-864-8890.
Earl Stoker. From Oklahoma
I on medi cal because my employer insurance ran out. I actually retired august 30th.
No income i on this till march did i do something wrong
Are you Medicare eligible?
I am 63 I have limpadema I have a Advantage plain and I can't get any help . Thay keep sending me to get my legs wrapped and that Is not doing any thing for the reason that thay are swilling what can I do
Ohio
It'd be nice if someone would talk Drug Plans for people not on prescriptions. I know everyone thinks we're all sick and on prescriptions. But if you're on Original Medicare it's advised to get a Drug Plan as preventative, but what is recommended if you aren't on any drugs? WellCare? Or one of the cheaper Cigna Plans?
You don’t have to get a drug plan but if you ever need them down the road then the government goes back and charges you for all the months you weren’t on a drug plan. I am in same situation with no drugs but I am going to pick the cheapest plan so I don’t have to assume the long term risk
@@masspatriot5409 Yes, that makes sense. I will do the same. But it's crazy that they penalize people long term for not having a drug plan. I don't know how they get away with that.
I have medicare advantage with the $2000.00 when I pay my deductible and the $2000.00 they say they will not pay for my copd medicine...which is trelegy ellipta inhalation powder ..it cost almost $2000.00 every 3 months so the drug benefit that they lowered to $2000.00 won,t help me at all........any suggestions????????
Trelegy is a fairly new inhaler and therefore quite expensive. Ask your Dr for an equivalent in inhaler that is not as expensive. Remember, there are many COPD inhalers that work just as well, and have been on the market for longer so they are not as expensive. When new medicines come out the drug companies encourage Drs to prescribe because everyone makes more money. They want patients on the new drug, even though it is not necessarily "better". Before Trelegy came out people were using other inhalers right? It's all about the money. They promote the new drugs because the price is sky high and drug companies make a billion dollars more. Insurance companies fight back because they know there are equivalent medications that work just as well, so it is hard to get them to pay for anything new. The price of Trelegy will come down once it is not a new drug. Drug companies are out of control in pushing Drs to prescribe the most expensive drugs. Ask your Dr what were people using before Trelegy came out? I bet whatever it is works just as well. You can also ask your pharmacist what people used before Trelegy (although I would trust a pharmacist less than my Dr because pharmacies also get a cut of the jacked up prices, but some are honest and will give you other options). Someone in government needs to crack down on the drug companies and the sky high prices they are charging. Unfortunately, you can follow the money. Just my opinion of course.
I would agree with Laurie, you may want to ask your provider for an alternative option for the inhaler. You can possibly look into other services that provide the same inhaler for a cheaper rate like GoodRx or Cost Plus Drugs. We are aware that some are getting their more expensive prescriptions and inhalers from other countries like Canda!
Hank Arizona
human body is not built to process chemicals.......
Depends on the chemical. It certainly needs glucose, oxygen and water.
Wichita Ks
Sara hicks from Hot springs Ark
Eastern Ky
GA
Jersey
CA
Marlboro Ma
Washington
SantaRosaCalifornia!
Tulsa Oklahoma
I am 63 turn 74 in march I have a Advantage plain now and I want to change to suplamental A+b with G and I was told that I have to wait till I am 65 is this true.
That is correct, most states do not offer supplement plans under the age of 65. Here is a video we have about this topic. th-cam.com/video/hTwF6ME9oeM/w-d-xo.html
Well I called medacare and thay set me up suplment A-B with a N and changed my advantage to a prescription plain .so I don't know what you talking abought . Better school up .dude . Giveing people the wrong infois not a good thing to do for your show .you have to be making big big money .
64 sorry
WV
NW corner of Ohio
Texas
Minnesota
Maine
We have BCBS Advantage and Tricare for life (Military Retired). Do we need to move over to Traditional Medicare
Kansas
Florida
Alabama
Columbia, SC
Oregon