✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool.com/master-medicare/? ✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?
I am new to Medcare- I can not believe the amount of daily phone calls. I spent alot of time of time researching all the options, made by decision -go away already.
@@Peace-2024smm You are the golden prize. Every Advantage plan wants new 65 year old's, because mainly they are more healthy than 70-80 year old's. So they will be using less money for your medical, thus giving them a higher profit. They will promise you the world, then they can change everything the very next year, hoping you will not check the changes. Advantage plans also give the highest commissions, and there is lifetime commissions as well, as long as you stay on the same advantage plan. Practically all of those calls, all they sell is Advantage plans.
@@Peace-2024smm Don't go on Advantage -- you'll end up regretting it. Go with original Medicare with a Medigap supplement. It's worth the premiums you will pay with Medigap.
Informed consent is an essential medical tenet. It is much the same with insurance. The more you know, the better off you are, and Marvin makes that his mission for his customers and non-customers alike by providing high-quality knowledge to make better decisions. Thanks, Marvin.
Unfortunately, you need a college degree in insurance scams to figure out which scam will screw you the least. 99% of the population has no idea of what is covered, who you can go to, and what you can't. All almost designed to bankrupt you. The hospital? Oh, yes, that's in the network. The surgeon? Sure. Oh, the anesthesiologist you have ten seconds to sign with before youwind up in surgery? OH, no he's not in your network. Welcome to your $20,000 bill. Only in America.
The largest health system in my area of metro Atlanta, GA, may not take Humana Advantage beginning April 2025 unless they can successfully negotiate an agreement with Humana.
This medical system has given me a headache I have taken a break from health care stopped seeing my cardiologist stopped the Rheumatologist stopped seeing the pulmonologist stopped seeing my gastroenterologist stopped seeing my dermatologist 🙄 eventually I may have to stop by a dr someday .
I am 3 years away and starting to educate myself. Your TH-cam’s are excellent source of information. Something I am still not clear about is what decisions do I need to make when I 1st turn 65, vs what can I make later. I am generally in good health so am I able to only choose regular part a/b but initially and then later add additional options/plans in later years?
It's great that you are getting a head start on this. You should check out our free workshop that goes through the basics. This will answer a lot of questions you have about turning 65: medicareschool.com/master-medicare/
If you are continuing to work and receive health insurance thru work I believe you just sign up for the free A hospital coverage- which you can start 3-6 mos prior to age 65. You usually receive notifications by email and mail warning you. If not working w/coverage from self or spouse, your Medicare B begins when you turn 65. You begin this process 3-6 mos before. You ll make all the needed decisions when you sign up. There are penalties if you don’t sign up for A when 65 and none for B if under another coverage, I believe. It’s a lot I know. You have to take the time to do the deep dive into all the specifics so you are aware. But this Medicare school has lots of videos on.
I just signed up for Medicare A and B today online. They didn't ask anything about what B or D plans I was thinking of. How long does it take for them to ask for this kind of info?
They don't. Supplements, Part D drug plans, or Advantage plan alternatives to those are all provided by private companies, and the Medicare enrollee has to take the initiative to choose what path they want to take and what (if any) other plan they want to enroll in. You will have contact an agent or broker representing those insurance companies in your state to enroll in those plans.
Did you just sign up because you are now age 65? If you did that is called your initial enrollment period. This gives you 7 months--3 months before your birthday, your birthday month and 3 months after your birthday to pick any plan you want You either pick an Advantage plan, that has a Part A, B and D or Keep your original/traditional Medicare Part A and B, and pick a supplemental(medigap) plan The Part D is separate plan, you need to sign up for as well, even if you are not on meds. Part D can have lifetime penalties if you don't sign up when you are eligible to sign up..
@@threeftr3349 I will be 65 next year. Want to have BCBS Basic as secondary. However the online sign-up did not mention anything about choosing a secondary/medigap plan. Other than asking if I wanted A and B. I imagine at some point I will receive a Medicare card and then call BCBS (which I am already being covered by) and let them know. My question really is how the two entities communicate and what is my responsibility in getting the two to function together. And although I am retired I am currently covered, it was confusing to me as to how to answer the question as to whether I am covered by a group plan. It specifically mentions that you would only answer yes if currently employed, which I am not.
You do not have to wait for the card to sign up for those additional plans, you can start the process of getting signed up for those other plans right away. If you need any assistance we'd be happy to help you can reach us at 800-864-8890.
I'm just disgusted with the whole medical field trained and controlled by Pharma! Why I quit med school and studied alternatives to complement my Nutrition degree. Many of my classmates have either retired or no longer participate in the insurance game.
The impact of using a non-participating provider seems to be glossed over. From what I gather, non-participating providers can charge up to an additional 15% over the Medicare price. The patient would be liable for the additional charge unless their Medigap covers it.
My sister in law was convinced by a fast talking advantage Plan C to go with them. This year she is trying to covert over to Medicare plans but has to be vetted first which maybe a problem. Plan C may look good now, but since you can't see the future, it is best to get Medicare plans.
@@lauratopliffe8179 In most states that's true. It is in mine. I purposefully chose traditional Medicare with a plan G supplement, knowing I can always switch to a cheaper plan later, but that the reverse would not be true.
And there are some doctors who are Medicare participants but who limit the number of Medicare patients they accept. Seems to be only a few, but I wonder if that number is going to increase over time since Medicare pays so little.
Many practices limit patients, or don't take new patients, because they simply can only see so may patients in one day. They either take your insurance or they don't. Many take original Medicare, but Advantage plans are not original Medicare A and B, Yes, there can be those that decline Advantage plans, because it's different insurance. We have an orthopedic doctor/surgeon, that turned private pay, he doesn't accept any insurance.
There are concierge Dr's who charge their patients a fee once a year for a few thousand dollars. The patients come and go as needed and the Dr pays for labs, most imaging. They are usually in wealthy areas.
Wait - what is the difference between types #1 and #2 precisely? They take Medicare but not assignment? How does that work? Non-participating in what? I thought I kew how this works but now you've got me confused. Oh wait, googled and got answer. It means they don't take Medicare as payment in full. Now I have to watch again to see how the percentages apply.
I think the Non-Participating Provider explanation is not clear. You said this provider signs some other contract. I did not hear what kind of contract? Those that bill the other 20%? Why would any doctor agreed to be an assignment doctor if they don't bill the 20%?
I always watch these videos from the beginning to the end. They are like a series you continually watch because you just cant get enough of it. They are that good. And I have watched enough of them to know I am 1000% getting a "G" Plan when I stop working. 66 at a job I love watching these videos at work. Just like the "G" plan work is Great. But at some point I must come to the realization it's time to retire. Debt free and don't need to work, just thinking about it as the final chapter of a good book is a work in progress in itself. Just me I guess. Great Video as usual!
No, that will never happen, your Part A and Part B is part of your Advantage plan. It's just NOT original Medicare Part A and Part B. When you sign up for an Advantage plan, you choose to leave original Medicare Part A and Part B. The reason Hospitals, and healthcare groups in some areas are dropping Advantage plans, is the contract is up. Private insurance companies with Advantage plans have in the past has delayed repayments, or don't pay the whole payment, or just end up denying the payment. They simply just refuse to change the payment reimbursement level for the new contract.
I work in a hospital serving outpatients. Medicare advantage patients always have co pays. Traditional Medicare with a supplement never have co pays. You have to decide which costs more - the co pays for the visits, or the monthly premiums with the supplemental insurance.
I copied your question and here is the answer I got: The main difference between family medicine and internal medicine is the age range of patients they treat.
Family medicine practitioners care for patients across the entire age spectrum, from infants to seniors. This makes family medicine more diverse in terms of patient demographics. Family doctors provide care for entire families, from prenatal to geriatric care, offering continuity in health care that spans generations. They may see a child one day, an adolescent the next and then care for an elderly patient - all in the same practice. In contrast, general internal medicine physicians treat only adult patients. Their focus is more narrowly defined, allowing them to develop a deep expertise in adult diseases and chronic illnesses. While family doctors are generalists across all age groups, internists specialize in managing health concerns unique to adults, particularly in middle age and later life
I’m in a supplemental plan and have heard you say I don’t need to enroll every year please let me know. Also I been looking for dental coverage but they’re are expensive do you have some feedback on what should be the best for me thinking that getting old there’s always need for dental needs. Want comment that someone with your picture and same as you use for medical school profile is texting me for investments is that you or they’re are impersonating you? Thanks for all the guidance
@josebotello8566 Yes, you do not need to enroll every every year. Supplemental plans don't change. So your plan you picked will be the same plan you signed up for every year.
That is someone impersonating us, it has recently come to our attention. For a supplement plan those do not have to be shopped every year, you can can however just shop around to ensure you are still in the best priced plan if you find that yours is becoming costly. We would be happy to review dental options with you as well, you can reach our office at 800-864-8890.
That is someone impresonating us, if you could possibly reach out to us on Facebook to provide us with more information on this profile so we can work on getting this removed. Correct, you do not have do enroll into a plan every year but you can shop around to ensure it's still the most reasonable plan for you! We can help with a dental plan as well if you have questions, just give us a call at 800-864-8890.
One topic I have never heard discussed from anyone is CHAMPVA. I just got increased to too% P&T from the VA,, my wife and I are,on Medicare A&B with a Plan F Medigap. My wife is now eligible for CHAMPVA at no cost and it includes survivor benefits if something should happen to me. I’m told by the VA that CHAMPVA works with Medicare and covers 100% of the 20% acting as a secondary insurance and also covers 100% of medication and once on this she could cancel the Plan F and Rx insurance and the coverage would be identical to what she has now but with $0.00 out of pocket costs. Can you confirm this?
With our aging population, we need a requirement that forces ALL medical providers to take Medicare and Medicaid!!!!!!! It must be a prerequisite to attaining a medical license and to practice in America!!!!!
It's so sad that so many are going with Advantage, even if the have monies to not do such. And to hear that the new administration is moving to the sign up as to getting into Advantage care, with folks not knowing that when it will really break the bank... Advantage plans won't approve so many things
We can't figure it all out, even with all these ridiculous videos. It's like listening to an auctioneer. All designed to get as much of our money as possible.
✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool.com/master-medicare/?
✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?
I'm fed up with the number of telephone calls I get trying to get me to switch from Medicare to Medicare Advantage.
I am new to Medcare- I can not believe the amount of daily phone calls. I spent alot of time of time researching all the options, made by decision -go away already.
Amen. 8 to 12 a day.
@@Peace-2024smm You are the golden prize. Every Advantage plan wants new 65 year old's, because mainly they are more healthy than 70-80 year old's. So they will be using less money for your medical, thus giving them a higher profit.
They will promise you the world, then they can change everything the very next year, hoping you will not check the changes.
Advantage plans also give the highest commissions, and there is lifetime commissions as well, as long as you stay on the same advantage plan.
Practically all of those calls, all they sell is Advantage plans.
Don't switch!!!
@@Peace-2024smm Don't go on Advantage -- you'll end up regretting it. Go with original Medicare with a Medigap supplement. It's worth the premiums you will pay with Medigap.
Marvin....appreciate all the knowledge and guidance you give !! .......
My pleasure
Marvin is the best!!
So glad that we can be a great help along the way!
Informed consent is an essential medical tenet. It is much the same with insurance. The more you know, the better off you are, and Marvin makes that his mission for his customers and non-customers alike by providing high-quality knowledge to make better decisions. Thanks, Marvin.
Tenet.
@@theanswerismu1688 Thanks.
@@theanswerismu1688 Thanks, I corrected it.
Unfortunately, you need a college degree in insurance scams to figure out which scam will screw you the least. 99% of the population has no idea of what is covered, who you can go to, and what you can't. All almost designed to bankrupt you. The hospital? Oh, yes, that's in the network. The surgeon? Sure. Oh, the anesthesiologist you have ten seconds to sign with before youwind up in surgery? OH, no he's not in your network. Welcome to your $20,000 bill.
Only in America.
The largest health system in my area of metro Atlanta, GA, may not take Humana Advantage beginning April 2025 unless they can successfully negotiate an agreement with Humana.
This medical system has given me a headache I have taken a break from health care stopped seeing my cardiologist stopped the Rheumatologist stopped seeing the pulmonologist stopped seeing my gastroenterologist stopped seeing my dermatologist 🙄 eventually I may have to stop by a dr someday .
I am 3 years away and starting to educate myself. Your TH-cam’s are excellent source of information. Something I am still not clear about is what decisions do I need to make when I 1st turn 65, vs what can I make later. I am generally in good health so am I able to only choose regular part a/b but initially and then later add additional options/plans in later years?
It's great that you are getting a head start on this. You should check out our free workshop that goes through the basics. This will answer a lot of questions you have about turning 65: medicareschool.com/master-medicare/
If you are continuing to work and receive health insurance thru work I believe you just sign up for the free A hospital coverage- which you can start 3-6 mos prior to age 65. You usually receive notifications by email and mail warning you. If not working w/coverage from self or spouse, your Medicare B begins when you turn 65. You begin this process 3-6 mos before. You ll make all the needed decisions when you sign up. There are penalties if you don’t sign up for A when 65 and none for B if under another coverage, I believe. It’s a lot I know. You have to take the time to do the deep dive into all the specifics so you are aware. But this Medicare school has lots of videos on.
great presentation thanks Marvin!
Glad you liked it!
Why does the government make everything so complicated
I just signed up for Medicare A and B today online. They didn't ask anything about what B or D plans I was thinking of. How long does it take for them to ask for this kind of info?
They don't. Supplements, Part D drug plans, or Advantage plan alternatives to those are all provided by private companies, and the Medicare enrollee has to take the initiative to choose what path they want to take and what (if any) other plan they want to enroll in. You will have contact an agent or broker representing those insurance companies in your state to enroll in those plans.
@@g0989 Thank you. I guess I need to wait to receive my Medicare number and then contact the supplemental plan I choose.
Did you just sign up because you are now age 65? If you did that is called your initial enrollment period. This gives you 7 months--3 months before your birthday, your birthday month and 3 months after your birthday to pick any plan you want
You either pick an Advantage plan, that has a Part A, B and D
or
Keep your original/traditional Medicare Part A and B, and pick a supplemental(medigap) plan The Part D is separate plan, you need to sign up for as well, even if you are not on meds.
Part D can have lifetime penalties if you don't sign up when you are eligible to sign up..
@@threeftr3349 I will be 65 next year. Want to have BCBS Basic as secondary. However the online sign-up did not mention anything about choosing a secondary/medigap plan. Other than asking if I wanted A and B. I imagine at some point I will receive a Medicare card and then call BCBS (which I am already being covered by) and let them know. My question really is how the two entities communicate and what is my responsibility in getting the two to function together. And although I am retired I am currently covered, it was confusing to me as to how to answer the question as to whether I am covered by a group plan. It specifically mentions that you would only answer yes if currently employed, which I am not.
You do not have to wait for the card to sign up for those additional plans, you can start the process of getting signed up for those other plans right away. If you need any assistance we'd be happy to help you can reach us at 800-864-8890.
I'm just disgusted with the whole medical field trained and controlled by Pharma! Why I quit med school and studied alternatives to complement my Nutrition degree. Many of my classmates have either retired or no longer participate in the insurance game.
The impact of using a non-participating provider seems to be glossed over. From what I gather, non-participating providers can charge up to an additional 15% over the Medicare price. The patient would be liable for the additional charge unless their Medigap covers it.
My sister in law was convinced by a fast talking advantage Plan C to go with them. This year she is trying to covert over to Medicare plans but has to be vetted first which maybe a problem. Plan C may look good now, but since you can't see the future, it is best to get Medicare plans.
@Keith80027 she has to be medically underwritten to qualify.
@@lauratopliffe8179 In most states that's true. It is in mine. I purposefully chose traditional Medicare with a plan G supplement, knowing I can always switch to a cheaper plan later, but that the reverse would not be true.
Please make a video for low income folk. Under $15K year.
And there are some doctors who are Medicare participants but who limit the number of Medicare patients they accept. Seems to be only a few, but I wonder if that number is going to increase over time since Medicare pays so little.
Many practices limit patients, or don't take new patients, because they simply can only see so may patients in one day. They either take your insurance or they don't.
Many take original Medicare, but Advantage plans are not original Medicare A and B,
Yes, there can be those that decline Advantage plans, because it's different insurance.
We have an orthopedic doctor/surgeon, that turned private pay, he doesn't accept any insurance.
There are concierge Dr's who charge their patients a fee once a year for a few thousand dollars. The patients come and go as needed and the Dr pays for labs, most imaging. They are usually in wealthy areas.
Love your content thank you for sharing all the great information. It has been so helpful.
You are so welcome!
Wait - what is the difference between types #1 and #2 precisely? They take Medicare but not assignment? How does that work? Non-participating in what? I thought I kew how this works but now you've got me confused.
Oh wait, googled and got answer. It means they don't take Medicare as payment in full. Now I have to watch again to see how the percentages apply.
I think the Non-Participating Provider explanation is not clear. You said this provider signs some other contract. I did not hear what kind of contract? Those that bill the other 20%? Why would any doctor agreed to be an assignment doctor if they don't bill the 20%?
Non participating will bill Medicare but don't take just what Medicare offers in payment. They can bill you an additional 15% in excess charges.
I always watch these videos from the beginning to the end. They are like a series you continually watch because you just cant get enough of it. They are that good. And I have watched enough of them to know I am 1000% getting a "G" Plan when I stop working. 66 at a job I love watching these videos at work. Just like the "G" plan work is Great. But at some point I must come to the realization it's time to retire. Debt free and don't need to work, just thinking about it as the final chapter of a good book is a work in progress in itself. Just me I guess. Great Video as usual!
That is what we are here for. If you ever have any questions just give us a call at 800-864-8890.
G is great...and I have G....but at least look at N and see how "close" it is to G..... very close, but will cost a lot less.....
This makes it so clear that original medicare is the only choice for me
Is it possible for a physician to take a Medicare Advantage plan, but *not* accept regular Medicare?
No, that will never happen, your Part A and Part B is part of your Advantage plan.
It's just NOT original Medicare Part A and Part B.
When you sign up for an Advantage plan, you choose to leave original Medicare Part A and Part B.
The reason Hospitals, and healthcare groups in some areas are dropping Advantage plans, is the contract is up. Private insurance companies with Advantage plans have in the past has delayed repayments, or don't pay the whole payment, or just end up denying the payment. They simply just refuse to change the payment reimbursement level for the new contract.
That wouldn't be a case, They will have to accept original Medicare if they are going to accept advantage plans.
@@MedicareSchool Thank you!
Kaiser Permanente has its own MA plan, and does not accept Original Medicare.
Don’t understand this cause here in New Jersey they ask for copayment at time of visit
It also depends on your provider
Thanks for quick response I have another question I will be 65 on march 1st next year should I be applying for Medicare now
I work in a hospital serving outpatients. Medicare advantage patients always have co pays. Traditional Medicare with a supplement never have co pays. You have to decide which costs more - the co pays for the visits, or the monthly premiums with the supplemental insurance.
I live in NJ with a "N" supplement plan and my Dr. bills me for the $20.00 copay - i.e. They don't make me pay at time of visit.
@@ossiebyer5968 apply now or January - usually 90 days prior.
This might be a stupid question, but i'm gonna ask it anyway. What's the difference between family medicine and internal medicine?
I copied your question and here is the answer I got: The main difference between family medicine and internal medicine is the age range of patients they treat.
@bikeny great, thank you so much for the answer!!
Family medicine practitioners care for patients across the entire age spectrum, from infants to seniors. This makes family medicine more diverse in terms of patient demographics. Family doctors provide care for entire families, from prenatal to geriatric care, offering continuity in health care that spans generations. They may see a child one day, an adolescent the next and then care for an elderly patient - all in the same practice.
In contrast, general internal medicine physicians treat only adult patients. Their focus is more narrowly defined, allowing them to develop a deep expertise in adult diseases and chronic illnesses.
While family doctors are generalists across all age groups,
internists specialize in managing health concerns unique to adults, particularly in middle age and later life
@@threeftr3349 That is a great explanation thank you so much for detailing that out for me😃😃
Medicare.gov is wonderful when looking for a Dr and gives you good details.
I’m in a supplemental plan and have heard you say I don’t need to enroll every year please let me know. Also I been looking for dental coverage but they’re are expensive do you have some feedback on what should be the best for me thinking that getting old there’s always need for dental needs. Want comment that someone with your picture and same as you use for medical school profile is texting me for investments is that you or they’re are impersonating you? Thanks for all the guidance
@josebotello8566 Yes, you do not need to enroll every every year. Supplemental plans don't change. So your plan you picked will be the same plan you signed up for every year.
That is someone impersonating us, it has recently come to our attention. For a supplement plan those do not have to be shopped every year, you can can however just shop around to ensure you are still in the best priced plan if you find that yours is becoming costly. We would be happy to review dental options with you as well, you can reach our office at 800-864-8890.
That is someone impresonating us, if you could possibly reach out to us on Facebook to provide us with more information on this profile so we can work on getting this removed. Correct, you do not have do enroll into a plan every year but you can shop around to ensure it's still the most reasonable plan for you! We can help with a dental plan as well if you have questions, just give us a call at 800-864-8890.
Watch out for Georgia Humana SNP INSURANCE refuses to repair or replace wheelchair until August 2025😢😮 which leaves senior crawling around on belly 😢😮
One topic I have never heard discussed from anyone is CHAMPVA. I just got increased to too% P&T from the VA,, my wife and I are,on Medicare A&B with a Plan F Medigap. My wife is now eligible for CHAMPVA at no cost and it includes survivor benefits if something should happen to me. I’m told by the VA that CHAMPVA works with Medicare and covers 100% of the 20% acting as a secondary insurance and also covers 100% of medication and once on this she could cancel the Plan F and Rx insurance and the coverage would be identical to what she has now but with $0.00 out of pocket costs. Can you confirm this?
Thanks for the like, but it doesn’t answer my question! Can you confirm this information??
With our aging population, we need a requirement that forces ALL medical providers to take Medicare and Medicaid!!!!!!! It must be a prerequisite to attaining a medical license and to practice in America!!!!!
It's so sad that so many are going with Advantage, even if the have monies to not do such. And to hear that the new administration is moving to the sign up as to getting into Advantage care, with folks not knowing that when it will really break the bank... Advantage plans won't approve so many things
We can't figure it all out, even with all these ridiculous videos. It's like listening to an auctioneer. All designed to get as much of our money as possible.