Best Medicare Supplement Plans (2022)
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- เผยแพร่เมื่อ 9 พ.ย. 2021
- www.abtinsuranceagency.com | (888) 465-9728 | What are the best Medicare Supplement or Medigap Plans for 2022? Today's videos discusses the top Medicare Supplement Plans for the new year, and how they work. When choosing a Medicare Supplement Plan, there are several important factors to consider, so we today we break down:
- How Medicare Supplement Plans Work
- How to determine which insurance companies are the best for Medicare Supplement insurance
- How to find and compare Medicare Supplement rates in your area
Plan N Copays: • The Truth About Medica...
Plan N Excess Charges: • Medicare Part B Excess...
How do Medicare Brokers Get Paid: • How Do Medicare Broker...
My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless
I invested and lost my money. maybe i didn't have a goal. Though, I was advise to get the services of a broker. i never listened.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading
what i think you need is a Financial Adviser, who can help you get in and out of any stock you buy at any time and you'd sure be in Profit
*TERESA JENSEN WHITE,* That's whom i work with
I have seen loads of news of *TERESA JENSEN WHITE* on the internet, she must really be that good for she to be talked about in such a way. Is she on TH-cam? please how do I reach her
I remember as a young child my grandparents talking about the golden years. I don't see anything golden about growing old. The thing about our health is we can be healthy in the past and healthy in the present, but as we age that can change. I realize they are looking at past and present history, but we all hear stories about people as they age. Do these plans cover dental, vision, prescription, etc. You really do an awesome job in your videos!
Thank you Stephanie for good information!!
Excellent, concise info. Thanks!
Stehpanie did a fabulous job on this video. She explainied the differences between the various plans and did so in easy to understand layman's English. Thank you for positing this. Five stars (out of 5)!
Wow, thank you!
Thank you for your information. You explain things very well and seem like such a kind person.
Thank you so much Tim - that means a lot!
Please leave all your comments for me below - I love hearing what you have to say!
Thanks Stephanie, appreciate your videos. Kim has helped me here in PA as per your referral. Everyone seems to feel the same about how great your information is for this web of mystery for us going into Medicare. Keep up the great work! Much appreciated!
Hi Stephanie,
I'm going to be calling you tomorrow or the day after. Can you please, please let me know, what happens or do a video on, if you haven't, I'm new lol, how someone moving with SSDI, Full Medicare A and B-premium will definitely be paid by NC, but I'm not there yet. I have rx's and have an RXD plan our of my SSDI check. What happens to someone who needs a medical plan 🤔, very inexpensive, for Dr's, "specialists", gyno, etc, emergency services, urgent care, vision, dental & I'm just so very confused. I Love watching, the videos, I have do far. You seem to simplify this so much. Greatly appreciated 🙏
Thank you a lot for this video. This is very interesting and informative. Keep posting like those amazing videos, this is awesome.
Thank you Stephanie for your update take care love to watch your video
Thank you very much for your update
I'm turning 65 in 3 months and have been nervous about choosing medigap plans. After watching Stehpanie's videos I feel more comfortable.
So happy to hear that! Please call us any time, we would love the opportunity to assist. 888-465-9728
Excellent lecture. Thank you.
Thanks for the informative video. You're an awesome professional in this field!
Thank you!
Thank you for posting this helpful video!
Glad it was helpful!
Thank you stephenie for your update take care stay safe and stay healthy
EXCELLENT
Always great valuable information
Great video, Stephanie.
Thank you!
@@AbtInsuranceAgency My pleasure.
@@AbtInsuranceAgency My pleasure.
Great information, is dental and vision covered on plan G or N. I believe it may be covered on the plan C ? Thank you
Dental and vision is not covered by Medicare in general, so not covered by medigap plans like Plan G or Plan N. Some Part C Medicare Advantage plans do include dental/vision benefits.
Is there any of the plans (original, G, or N), including advantage that we’ll cover one while in Mexico on a long-term stay?
Hi stephanie, I'm from india working for US healthcare, the topic which u covered it's really helpful and made to add some more knowledge in work about medicare ,sure I'll share this topic with my colleagues and trainees , thank you so much and keep doing this grt wrk......
I agree with almost everyone here that Stephanie has done such a good job on these Medicare videos. I am so relieved after watching several of the videos that I am calling her office on Monday and sign up for a Supplement. This last year, the Advantage Plan I went with made me crazy with the referrals, the waiting to get approvals, not having doctors near me who took my Insurance, etc. Stephanie talks plainly, slowly, and clearly. She really knows her stuff!
Thank you SO much for that compliment! We look forward to hearing from you.
U the best.
Wow. Lots of surprises on cost after retirement; Part B Prem, Medigap or Advantage PPO, Dental, Rx, Vision. Easy $350-$450/month for a couple. I am in excellent health at 64, but the future costs of health insurance is scary. Looks like $5K- $6K per year is going to go to premiums. My wife is already on Advantage Plan,with zero premium, but the more I study this the less inclined I think that is a good plan for the long run, should one go to at least 85.
I am on a PPO. UNITED HEALTHCARE MEDICARE ASSURANCE PPO
Amazing public service. Thank you for making this so much simpler.
Thanks for the information - Getting ready to get into all of this - still so confusing to me. What is easiest way to track deduct amounts.
Do you mean track deductibles? Or track how much you are paying in plan premiums?
@@AbtInsuranceAgency Hello - I was meaning all the deductibles. Thanks
Please make a video about DSNP and LIS.. thx
Thank you!!!!! You made my stress level lower. I hate dealing with the government!!!!! Thank you for taking the time with us!!!
as part of my retirement package i kept my employer medical insurance and use it now as my medicare supplement.
We have the UMR and Blueshied bluecross arkansas .which one is better?
THANKS FOR THE VERY BEST INFORMATION.
You are amazing thank you Stephanie and also I want to thank Lawrence thank you so much👍🏽👍🏽
Are you licensed in Alabama, Tennessee and Georgia? Great video! Thank you!
Yes!
What is the difference between Plan D and Plan N... they seem very similar except for the $20 and $50 copays in N (visits and ERs)? Yet, I am seeing lower premiums for Plan D.. so what am I missing, and why isn't Plan D the best choice? Does it (like Plan G) have guaranteed enrollment and therefore accumulate the higher-risk cases that can't pass medical rating?
Thanks Stephanie. I'm in disscussions right now with a member of your team. After looking and trying to learn, I decided that I could never know as much as there is, so I have to work with the professionals that know this business, the carriers, plans, and support. etc. Looking forward to finishing up in the next day or two with your agency. The communication has been great. I'm in the N. Tx area so we're already like neighbors.😄
We love our TX neighbors! 😉
Could you please do a video on plan K?
I'm in Pa.
Can you jump from F then G and vice aversa?
I have a NYC retiree health insurance. I just turned 65 and have the Medicare card. Do I have to take the BC D if I’m happy the city coverage
Where can I find the costs for the plans in my area so I can compare?
I have Plan K, United Healthcare, a Medicare advantage, through AARP. I pay about $112 per month.
I have an ostomy...no cancer. I also have been told I have mild COPD, which I don't need medication.
Should I keep plan K? My S.S. is very low.
Home much is the cost difference between plan G vs G High Deductible. If the saving is substantial its worth taking a look at HD G plan.
It depends on your area. We would be happy to give you more specific rate quotes - please call us at 888-475-9728
Check with your state's insurance website. They all have one and most show the supplement inurance monthly premium. That way you will know what company has the best rates.
I am turning 65 in late 2023 and am planning on extensive travel, both domestic and international, as long as I am physically able. I have questions about Part B excess charges as I worry that it could be a factor while traveling. Also, the foreign travel emergency coverage sounds interesting but I am not sure how it works, or does it vary by insurance company. I am based in California, so that's a factor too. Basically I am thing maximum flexibility domestically and maximum coverage when traveling abroad.
Give us a call, we would be happy to help you review the plans that will best meet your needs. 888-465-9728.
Thank you Stephanie, I am new to Medicare and live in Florida. I am employed and have insurance through my employer any suggestions or videos you would suggest for the best supplement? Is the information on this video apply to people with health care as well?
If you have employer insurance then generally you wouldn’t need a Medicare supplement plan until you retire or come off of this coverage.
If you have employer insurance then generally you wouldn’t need a Medicare supplement plan until you retire or come off of this coverage.
@@AbtInsuranceAgency Do the supplement plans go up in cost a lot for each year a person delays enrolling in a plan such as plan G? It is my understanding that plan G for someone who is already insured through spouse's employer and is age 68, cost may be hundreds of dollars more per month than for a person who enrolls at age 65.
What are the monthly fees
would i be able to hire you even though i live in CT?...thanks!
Hello, I'm Marlene. I have listened to many of your educational videos. I live in FL. I am interested in an advantage plan effective June 1st.
I applied for Part B recently since I'm loosing my employer coverage at the end of May. I would like to talk to you and provide my personal details.
Thank you so much.
Hi Marlene! Please call us at 888-465-9728, we would be happy to assist!
what about " Wing Attack Plan R "
You need to add a comparison to NO SUPPLEMENTAL plan. How much care do I need to receive to break even? And can I join a supplemental plan later in life?
In our Medicare 101 video we explain the out of pocket costs associated with Medicare if you don't have a Medicare Supplement Plan -- th-cam.com/video/6llXjRRsadk/w-d-xo.html
Medigap Plans can be joined later in life, but in most states your application will be subject to medical underwriting if you are more than 6 months past your Part B effective date, and you could be denied.
Is this for 2023 enrollment? If not where can I get that info?
Dear Stephanie, you're doing a great job explaining all this in your various videos. I'm about to turn 65 in April 2023, and I live and work high up in the Panhandle of TX, in a region where transportation by air evac / med evac may be needed for specialized care. If that happens, how do I choose a coverage that pays for the air evac / med evac? I was alerted to this by the recent ads pushing air evac / med evac coverage. Does Medicare (in its various forms and alphabetical array) ever pay for this?
Medicare Part B does cover emergency air ambulance transportation in an airplane or helicopter if your health condition requires immediate and rapid transportation that ground transportation cannot provide. Medicare Advantage (Part C) plans also cover air ambulance transportation when medically necessary.
www.medicare.gov/coverage/ambulance-services
I need Dental, vision, hearing and I turned 65 last year in September. What plan I take, help.
Call us for assistance- 888-465-9728
How much is plan n and plan g in Texas.what company is cheap and good?
Contact us for more information! 888-465-9728 😊
I have just received by mail, a "second notice" (scare tactic) from Walmart Insurance Services. Normally this would have immediately been trashed, but I am wondering if Walmart with the huge buying power they are sure to have-is it possible that the insurance companies they work with may offer cheaper rates? Walmart Insurance Services have a web site but I do not want constant notices (especially with them) about rate quotes by phone, email, snailmail, greeters and first cousins on my father's side (kidding!). Seriously though, might you be able to investigate Walmart's offering of Medicare Supplement plans to see if there is merit as a real option? Love your videos, informative and to the point. Thank you so much!
Walmart doesn’t offer Medicare Supplement Plans, but they are moving into the Medicare Advantage Plan market.
I turn 65 in mid August. I'm getting social security since February. My question is having part A and part B, plus BCBS Federal from my past government job. Do I need any other plans?
Likely no! Most people with federal benefits keep them along with their Medicare benefits.
Hi Stephanie, Are you licensed in the state of Louisiana?
Yes, we are!
I have a question. When you're on Medicare Original you get billed 170.00 per month. If you get medigap G do you have to pay another 100 something dollars in addition to the 170.00 for medicare original. Does this also apply to medicare advantage. I'm confused. Also I'm turning 65 and I am a retired teacher here in Texas. My regular insurance is changing to Texas TRS Medicare advantage. It has a 500.00 deductible with 3500 out of pocket which is not bad comparted to other plans. Is this something I should keep or drop. But once I drop I cant go back to them. I'm scared to drop them and I don't know what to do . Any suggestions would help.
Yes the premium for Plan G or Medicare Advantage will be on top of the $170.10/month Part B premium. Many retired teachers decide to stick with TRS in retirement, because if you drop it you typically cannot get it back. But if you have questions, please give us a call!
We are moving from Missouri to Florida once I retire next year.
Would/Could I work with your Broker Company for this activity?
I would if I were you move to New Hampshire I would not live in the Midwest Medicare is so high here live and die free is what I heard about New Hampshire Missouri is in a mess Florida has well depends upon where you live guardianship abuse problems as does Missouri and Illinois although Florida is free the guardians can still be a problem New Hampshire has total freedom so you do not have SSA taxes and there are other kinds of taxes you may or may not have so look into New Hampshire it is cold with the weather but it is cheap on a lot of stuff I heard truth
We would be happy to help - call us at 888-465-9728 🙂
@@heatherhopfinger3942 When you read what you wrote, does it make sense to you? There's no punctuation and you are bouncing all over the place, from one subject to another in the same "sentence". No idea what you are trying to covey here.
One more question my wife and I both turned 65 within weeks. She will officially retire on Jun 13rd, and her birthday is in on July 14. She just signed a few days ago with an insurance broker with Aetna Medicare advantage that has a 7200 out of pocket. We just received her TRS Medicare advantage plan booklet that has a 3500.00 out of pocket and 500.00 deductible and she is now having buyer's remorse and regrets. She still has not contacted Texas TRS Medicare Advantage to drop their coverage. Although she signed with Aetna a few days ago, can she still drop them and continue on with TRS Medicare Advantage? Or is she now stuck with Aetna Medicare advantage?
Please call us, we would be happy to help! 888-465-9728
So, if I understand this correctly.
I'll be 65 in 6 months.
So you pay 170.00 a month for standard part b Medicare. Plus, a monthly premium for a supplement plan? How much will that be? What's the average range.
Plus, you have your annual deductible to meet.
Plus, a prescription premium?
All, coming out your social security check?
Geez....😕
Do I understand this right.
I may be calling you, in a week or so, to help me get set-up.
I'll be 65 in October, 2022
Really like your video's.
I've watched about 10, so far🤔
P.s.
By the way, I live in Chandler, Arizona...
Do you work out of this state?
We do work in AZ and would be more than happy to assist! Looking forward to hearing from you (888-465-9728)
@@AbtInsuranceAgency
Okay
10/4
👍
Good information, thanks. Would you please consider adding some info for people in states like NY who have a year long open enrollment option to change plans without medical underwriting? Not many are aware of this great benefit. Thanks.
Read all replies to these comments left below as that's were u find out the true info to get help on what u need to be doing to get set up right with Medicare & Medicaid. U learn alot from what people really are experiencing with their different plans they chose & no one tells u about in the insurance business. I left some great info in one of the replies. Read it cause it will really help u out if ur confused on what to do when setting up Medicaid & Medicare for yourself so u will have good coverage & help paying for it too possibly
Any tips on how to select among different companies after deciding on Plan N? For example how do you find company historic rate increases?
A lot of that information isn’t publicly shared by insurance companies, but a knowledgeable broker can help. Give us a call, we’d be happy to assist! 888-465-9728
I'm in Indiana. Which companies do you recommend? I'm brand new to Medicare this month and haven't bought supplemental plan yet. Plan G sounds good.
Call us for more information! 888-465-9728
I’ll be 65 soon and will enroll in Medicare but my spouse is still a few years away from 65. My spouse is not working; will she also be covered with Medicare when I enroll?
No, she will have to wait until age 65 to be eligible.
Hello, if i pick N plan when i sign up and in a year or two can i switch to a G plan
Yes, but in most states that change will be subject to medical underwriting. So you may or may not be able to make the change, depending upon your health.
I think you are giving out perfect advise and explanations on the plans, I have a curious question, I love the sweater you are wearing and the gold colored button one in another video, where did you get them, thank you so much
Do you really think she's gonna answer that question, not in a million years 😂
very good info. I turn 65 in August 2022. I have multiple myeloma (9th year), and take Revlimid. This chemo medication is very very expensive. My retired company insurance allows me to pay $20 copay every month with blue cross. How do I chose a medicare plan that will allow me to live a another 20 years without giving up the Revlimid. Also, that medication may change. What to do.?
Please contact us, we would be happy to help. 888-465-9728 🙂
Thank you for watching!
Awesome videos Steph!
I currently live in Tx and have the G plan.
If a person would happen to move from
one state to another,what exactly would
they have to do to continue with the plan G
in that particular state. Wasn’t sure what
protocol would be in that case.
Your Plan G travels with you! You do not need to change your plan when you move.
I probably misled you a bit and apologize if I did.
Do any states require an underwriting for the
plan G if the person was already established
with that plan in another state. Thanks much!
@@forrestgoodlette2779 No - if you have a Medigap Plan and you move to a new state, you can ALWAYS keep your plan. No underwriting. It is guaranteed renewable, no matter where you live.
Are you licensed in Illinois. You are terrific.
Thank you, and yes we are! 888-465-9728
@@AbtInsuranceAgency ok. I am not ready yet I will b 65 in December I will call you.
@@chicagomike Sounds great!
Does Medigap pay for cataract premium lenses? I know Original Medicare only covers basic lenses not advanced technology ones. So I assume Medigap would not cover that too. Please advise. Thanks.
Medigap plans pay only on what Medicare covers. If Medicare doesn't cover anything but the basic lenses, a Medigap plan would not pay for premium lenses either.
Since Medicare Part B and supplemental Plans G & N have fixed prices by the government, does it make any difference which brokerage firm we use to enroll in the Medicare plans?
Plan G and Plan N (and all Medigap plans) do NOT have fixed pricing, so using an independent broker to help you shop and enroll is advised 🙂
@@AbtInsuranceAgency So, if prices of supplemental plans varies just like Advantage plans but benefits of supplemental plans are fixed, then how do we choose and compare to pick the right independent broker,? Should we simply compare who has the best prices?
@@mikefa5891 this video explains just that. Benefits are the same but pricing can vary. You want to compare pricing , look at the insurance companies financial strength as well as rate increase histories. This is what an independent broker can help with.
@@AbtInsuranceAgency Thank you for the clarification!
How will MedBeds going to be figured here? I am 92,in very good health ,have plan F.
CC translation is in Dutch Please change if you can. Thanks
So strange! Working on getting that fixed, thanks for letting me know ☺️
Thanks for your videos ! My question is I have been on Medicare for a while and have decided to get a plan. Will I have medical underwriting since its my first time buying if I buy during the enrollment period ? Thanks
In most states you will have to pass through medical underwriting to get a Medicare Supplement plan if you have been on Medicare Part B for more than 6 months. The Annual Election Period does not apply to Medicare Supplement Plans, only to Medicare Advantage Plans and Part D drug plans. I hope this helps!
F+, G+, and/or N
How does it work for a charge? Does the patient have multiple cards, have to submit bills themself?
The beneficiary will have both a Medicare card and a Medigap card. You don’t need to file any claims. Your doctor bills Medicare, and Medicare sends the claim to your Medigap carrier. The Medigap insurance carrier must pay on any claim Medicare has approved.
@@AbtInsuranceAgency Thanks.
There's been talk lately about medicare/ss being insolvent. How much truth is there in that. thanks
I have GHI is that the same as plan G ?
No, the are different
Are Plans C and D good supplement plans?
For some people in certain areas, yes although they are generally not very popular.
Stephanie I’m enjoying your videos and finding them very informative. I’ll turn 65 in July of 2022. I’m trying to decide between supplement Plan G and N. I live in Texas. Is it true that Texas does not allow Doctors to charge the Part B excess charges? Thanks
Excess charges are legal in Texas. What part of Texas are you in? We are here in Austin 🙂 Feel free to call anytime with questions, 888-465-9728
I have a question. When a person turns 65, why do they have to get Medicare? This is what SSA told me. In my eyes this is not fair. I was also told that they are going to charge a premium of $170 per month. This would take me down to less than $800 per month for Social Security. I am very upset by this.
Do you already have medical insurance? Otherwise, why wouldn't you want medical insurance? In America, when you don't have money, the hospitals won't take care of you. However, if your SSA is only $900+ per month, it's really expensive for you. I hope you can go to food pantries, also see if there are programs for seniors for electric and gas.
To be clear: Medicare Part A is free and is for hospitalizations, Part B is for outpatient visits, Part D is for medications.
If you are on Medicaid, then you should still sign up for Medicare Plan A. Plan A is for hospitalization only, and it is free. You don't have to sign up for Plan B or D, Medicaid will take care of that.
Hope this helps.
@@sct4040 Hospitals cannot turn people away if they do not have money.
If you are on Medicare, you still need to sign up for Medicare BUT …your Medicaid will pay your monthly Medicare monthly premium. So you will not be out of pocket for that charge.
They can not refuse life saving treatment because you're poor. They CAN refuse treatments that are not deemed 'necessary'.
What plan covers the most for expensive meds like Nurtec, in the doughnut hole it will be $400 + a month!!
There isn’t one part D drug plan that’s the “best”, it depends on your specific medications. FindingPartD.com has more information on how to find the best plans for your needs!
I’m in Plan F. Why would I want to change to Plan G or N?
You wouldn't! They stopped the plan F for any new people because it was too good of a deal. STAY!
@ Mark Flolid The reason you want to switch as soon as possible is because your monthly premiums will skyrocket. This is because Plan F is now no longer able to accept people new to Medicare, the younger, healthier people. This means that Plan F will tend to have older, sicker people and the insurance companies are already compensating for this by increasing premiums at much higher percentages than for Plan G or N.
Is there a supplement plan that is valid out of state?
For example, we are in Alaska for 8 months, Virginia for 4 months each year. Thanks.
Yes, all Medicare Supplement Plans work nationwide!
Can a rate increase on plan G be more for one person than another based on health issues? Or is it a set percentage across the board for all?
The rate increases are a set percentage based on plan and area. They are not based on an individual’s health or medical usage.
@@AbtInsuranceAgency I am so glad that you informed us of that.
If I switch from Plan N to Plan G (or from High deductible Plan G to Plan G), would I undergo underwriting?
In most states, yes you would have to undergo medical underwriting. In a few states, you can switch without medical underwriting. You can also switch without undergoing medical underwriting if you are within the first 6 months of joining Medicare.
In Florida, you can shift from one plan to another during the insurance year with no underwriting
Can you change medigap plans at any time in the year, or only during the open enrollment period? thanks
You can change Medigap plans at any time of the year. There is no annual open enrollment period. However when you are more than 6 months past your Medicare Part B effective date then you will have to pass through medical underwriting to make a change (in most states).
@@AbtInsuranceAgency thank you
What? I’m in CA and turning 65 in November. I’ve had SSDI for 20 years with Medicaid but am worried about coverage with guaranteed issue needed due to health problems. I was approved by Uhc plan f at $162 which I delayed until Jan 1. They tell me I have guaranteed issue until May of 2023 if needed… six months after I turned 65. Is this not true? Now I am really confused. Can you do a video that explains changing from disability Medicare Medicaid to retirement Lori’s and cons? Also, is there a reduction in plan b premiums for lower income. I think I need to call you. Still confused as to how much time I have to decide without medical underwriting.
I find it interesting that when discussing whether a person should take Plan G or Plan N that most consultants talk about your past and present health and maybe other family members. But the bottom line is that no matter how good our current and past health has been, all will die at some point while on Medicare. If you choose N because you have historically had good health and then come down with some form of cancer that you wish to go to a Center of Excellence for treatment and don't care about the price - then you will likely incur Excess Charges and many office visits-- so your history doesn't always tell you what your future will look like. In the end, I imagine that all the Plans probably end up costing the "average" person about the same out-of-pocket expenses (unless you suffer an untimely death -- like an accident or massive stroke or heart attack, in which case Plan N would have been the cheapest plan). You have said before that if you start with Plan N and then get a serious or chronic illness, it is unlikely you will be allowed to change to Plan G. Thus, once you make your choice, you may have to live (and die) with it. So the real difference in the Plans comes down to how much risks you are willing to take with your health and money. If your health is not that important and you rarely go to doctors even when you are sick or for preventative reasons, then Plan N should save you money. If you have enough saved so that you can afford premiums that will likely double, triple, quadruple (I have no idea how fast premium rates, part-b costs, and part-b deductibles will go up), then Plan-G will give you the best peace-of-mind regarding your future health. Is this pretty much correct?
Part B Excess Charges are actually pretty rare and most often seen in areas with high cost of living. About 96% of doctors accept assignment. Recent Aetna report said less than 1% of submitted claims involved excess charges and on average they were less than $20. For those concerned about them, I suggest High Deductible G (which often can be $100+ a month less than G) instead of N. Remember, the higher the premium the higher the commission. Agents love G and often use fear tactics to scare people into that plan.
One thing that gives Plan N an advantage over Plan G is that the yearly rate increases are typically a lot less on Plan N than on Plan G. Stephanie did not mention that Plan G is the guarantee Issue plan. Because of that, there is a much larger pool of sicker people in Plan G than in Plan N. In order to compensate and cover their costs, insurance companies will have higher rate increases for Plan G. Just something to consider when evaluating which plan to choose.
Medicare Part B deductible for 2022 is $233.00.
United HealthCare Assurance PPO. It covers Dental. Eyeglasses.
Connecticut?
Hi Stephanie,
I’m considering Medicare supplement plan G from AARP (united healthcare). Where do I look to find out the information you suggested we know before choosing an insurance company for our plan-financial strength, Customer Service etc)? I feel like I “know” united healthcare because it’s who I’ve been with at work for 20 years, but I understand under Medicare it could be different.
Thanks in advance and your videos are so helpful!
Colleen, we would be happy to help of course, and you can reach us at 888-465-9728, or you can look for the insurance company ratings with AM Best or S&P to gage financial strength.
Hello Stephanie, I have found your videos are very informative. Thank you very much. I shared your videos with a lots of my friends. I have been trying to search for information on how much a Medicare Advantage Plan would pay for Part A medical deductions (for hospital). Could you please recommend a video for me, or explain about this issue in a new video. Thank you.
They would pay zero for part A alone. You must be enrolled in both part A and B to have an advantage plan, and not all kick back any money. In 2023 Mine happens to kick back $125 each month for both my wife and I. ($250 total)
Which one of these supplement plan has dental/vision plan?
NONE of the Medicare supplement plans INCLUDE vision and dental, but some of the plans can sell you separate vision/dental plans in addition to the supplement insurance. There is an additional fee for that, of course, if you want vision/dental insurance.
@@idoc-2 this is correct!
I just found out my mom switched her Medicare to Medicare advantage care because her doctor recommended it and her friends changed to that plan. Is it still possible for her to consider the original Medicare and supplemental plan? Is supplemental plan costly?
It depends on some specifics of her situation, like what type of coverage she had prior to enrolling in the Advantage Plan, how long she’s been on the new Advantage plan, or it could depend on her health … call us and we can help! 888-465-9728
March 31 was the cut off date so you can’t change now until next sign up dates you can only have Medicare Advantage if you take that plan you can’t have an insurance supplemental plan with it. So don’t pay for a second insurance because it would not pay!
What about plan F? It covers more than N
Plan F is no longer available to any newly eligible Medicare Beneficiaries as of 2020. That is why, while shown here, Plan F is not discussed as one of the “most popular” plans in 2022.
$233.00 in Illinois.
I have Humana PPO Plan, I pay nothing per month. $10.00 COPAY FOR DR. VISIT .And $35.00 for Specialist. Is this a good plan?
Yup sounds like it. As long as it is accepted everywhere you need it to be. Some plan networks are very very limited.
What is the maximum annual out of pocket? If you get sick, surgery, etc, your co pays reach a maximum before insurance pays at 100%. You need to understand that. Also if you want to travel the advantage will only pay out of network in an emergency. Also, networks require pre-authorization s for some surgeries and tests you doctor may want for you but insurance decides you can't have. So the answer to your question is can you live within the parameters of your network, afford the max out of pocket if your sick and you won't be doing a lot of traveling. Also understand your doctor will not have the final say on certain needs
Advantage programs come up short if u need chemo or get cancer & need expensive drugs & in other healthcare situations. U could get stuck paying the out of pocket again if still in treatment from 1 year to the next as they reset the beginning of each yr. U better do ur research on Advantage plans. I call them disadvantage plans cause they sound good till u go to use them then u find out how little they actually pay & they control what care they will approve & what doctors u can see. U get what u pay for & can't switch to a MEDIGAP supplement plan with guaranteed acceptance at a later time after the initial 6 month enrollment period without medical underwriting which can he impossible to pass if u are not healthy anymore or have or have had certain conditions even if they occurred yrs ago. That 6th month initial enrollment period when just coming into Medicare is extremely important to act on so u don't have to pass medical underwriting. U buy for coverage of what may happen in the future which can change on a dime. Any savings u have can disappear with 1 major illness or having to get on expensive drugs possibly for life. These are important time sensitive decisions that must be addressed preferably before u turn 65. Watch videos by Christopher Westfall on u-tube. He explains in great detail all about costs & premium increases & info on Advantage plans compared to MEDIGAP supplement plans, drug plans ect. There are deadlines to meet to avoid continuos penalties for life !! Best videos I've seen & I've watched them all many times over & over for over 2 yrs now as I'm turning 65 in August in 2022. Go with a good trustworthy insurance broker cause they have info on all plans that u will never have access to & make sure that they will be able to help u if have questions about anything even after they sell u a policy. That's critical. U must take notes & ask questions for ur particular situation as everyone has different needs & situations & that must be discussed in detail before u decide what's best for u & get the best policies that u can afford even as future cost increases will happen with Medicare & any policies u get. It can be alot for people who don't have much coming in each month or have much in savings. Sign up for "Extra Help" at Soc Sec office if have a lower income & can meet there requirements. That's what I'm doing right now as I'm on Medicaid & work part time & will continue to do so & into the future as long as able until my full retirement age comes around at 66 & a half so my soc sec benefits don't get cut to nothing from taking them early. Till then I'm applying for every helping program like food stamps etc I can qualify for. I don't have a husband anymore so I am on my own & not in the best of health either. I've paid into the system all my life & now when I need help I feel no guilt asking for it as that's what it's there for, right !!!! It's been hard for sure trying to afford what I need to stay alive-just the needs not the wants. Be frugal not wasteful in life. Best to all
I live in CT and have plan F. Is there any reason I shouldn’t switch to plan G? The deductible is much less than the difference in premiums. I am 70 years old, would I need a health assessment?
Just an FYI - Plan F is no longer offered, so you are grandfathered in. Take that in to consideration when deciding whether to change plans. You can never go back to F. Good luck.
F is a waste of money. Pay the deductible yourself.
I signed up for a 2022 Advantage Medicare health care plan. Would I be able to also add with a Medicare Supplement Plan?
No, you cannot have both a Medicare Advantage Plan and a Medicare Supplement Plan at the same time.