Best Medigap Plan 2024 - What Medicare Supplement to Choose 2024
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- เผยแพร่เมื่อ 2 ก.พ. 2024
- Are you looking for the best Medigap plan for 2024? Keith reviews the options for Medicare supplement plans 2024.
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Best Medigap Plan 2024
Medicare supplement plans 2024
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Excellent video, very helpful!!
If your a senior and you live alone, get a trusted friend and start calling (if you need a doctor or specialist) and ask them about their extra charges. You have to ask, it's the only way they will tell you. Not just their office charge, but the access charge of 15 percent. I did, and found a doctor and specialist who's office did not charge EXTRA!
Learned a lot from this video ,thank you Sir.
Thanks
Wow nice video. I’m not 65 for awhile but wanting to learn about it. Very fascinating stuff.Thanks
TY!
Thanks, Keith, for your excellent content; it is greatly appreciated!
Very useful ... please cover the Medicare RX plans ... how to know a good deal there. ✅✅✅
Thank you SO much! Normally learning about insurance is boring to me, but you made it simple, interesting, and informative. I really like that you focused on three plans and care about frugality. You're a great teacher! 😊❤
I have researching a lot and I had a really hard time deciding and yes Plan G makes the most sense but after listening to your video now I’m not sure as I live Florida and I got a quote from a local agent for $211 a month for Plan G but of course I would love a lower premium and i’m in good health and turn 65 this month of May and my other decision that was making it hard because I’m a retired Federal employee and i have FEHB and if I get Plan G i have to cancel my Federal insurance but if Plan G covers better i don’t need the extra expense since I will also be paying Plan B premium as well. Thanks I did fill out the form for a quote.
Outstanding, didn’t have any idea that a Plan G could come in around 100-120 range. I’m with Florida Blue and the number is much higher. Food for thought, thanks Keith!
Very helpful and useful video. I am 63 so I will be getting in touch with you when I am 64 1/2 I’m guessing.❤ please let me know and if possible, give me your input I want to be very punctual with this and speak with you on my very first day of ELIGIBILITY. I am undecided between Plan B and plan GHD.
Hi Keith. Which supplement are you recommending for Florida 33487? Used to be GHD...
Do you assist people to setup the right medicare plan like plan G that need help? Do you charge a separate service fee for your service?
My understanding was that in california you would likely have to deal with a health questionnaire when switching from GHD to plan G, since it is considered moving to a higher status of coverage. If that's true it might be an issue with being on plan GHD, i.e. it might not be easy to move to plan G if you run into health problems?
Do veterans MA only plans have many issues?
Blue Cross/Blue Shield has a chart that shows Plan G rate increases. In 10 years, the annual premium will be equal to the Deductible. In 10 years, the premuim savings will be 4 times the deductible between G & G+
It looks like on chart that the Plan GHD you pay untill 2800$ spent, but at 20min. your saying that is for part A (hospitol) but that Medicare pays 80% and you pay other 20% till 2800$ deductible met?
Info on va care with medicare?
If we have part G. Do we still get OTC benefits still?
In your video you didn't cover the other items that Medicare & Supplement Coverage's that doesn't cover,such as vision, dental or prescription Plan D that would increase your overall medical insurance cost if you want those overages which are typically covered under the Medicare Advantage Plans that are typically covered by the $240 Medicare Cost..
Don't forget the state you live the premiums for Plan G and Plan N, will cost more or less. If you live in East Coast, Southern State from MD to VA., you will be paying more!
What is plan G cost on California?
Great video with good information. Plan G/N in the Orlando area is over $200/$186 per month and of course it goes up with age. You can not change from one supplement plan to another without underwriting.
Yes, we are a little higher in price down here in FL. I usually recommend plan GHD in Florida.
@@MedicareonVideo Unfortunately with United health AARP, this plan is not available for existing medicare holder. It is only available for new medicare recipients.
That includes drug prices mine over 24 a month
I have UHC Plan G medigap plan. But my deductible keeps going up and so does my premium. And my RX plan D, I have the same issue. They are eating into my monthly ssa check l. Next year I will not have the funds to pay for my Health insurance because inflation is growing faster than my ssa check. I also have a bery low ssa check per month. Way below poverty. So I may have to switch to an Advantage plan. Because I still have vehicle insurance to pay for. And I have to have money for toothpaste deodorant shampoo’s, etc. And I may have to do without meds and doctor visits and hospital stays unless necessary.
I been told to stay on advantage plan. Caz there no Drs local.that will take any other.
What's the premium and total (with deductible) for A, B and G in your area or avarage for 67y old, none smoker male.
I need a headache pill now while listening to this
Hey, thanks for your info but you never mention that if you work while receiving benefits and make more than the maximum allowed.....they recalculate the money you have made until FRA and then slowly add those withheld 'penalties" back into your monthly payment! SO YOU DONT LOSE THOSE WITHHELD FUNDS they are just delayed!
Keith: Love your videos and have already gotten a quote from one of your associates. I am turning 65 in September and live in South Florida. I am in great health and see the doctor twice a year for regular check ups. If I understand your video correctly (starting at about 19:00) my Plan G quote is for $251.43, my Plan N quote is for $208.00 and my Plan G-HD quote is for $70.00. . . Therefore, I should take the Plan G-HD option?
I would choose GHD 100%
THIS IS WHY I HAVE SPENT HOURS WATCHING YOUR VIDEOS AND WILL USE YOU AND YOUR TEAM! Thank you for responding so quickly and assisting the public, even if it may not be in your best financial interest! @@MedicareonVideo
I agree, in Florida, HDG is probably the best way to go.
My cousin lives in Sarasota, 66 yrs old and pays $111 a month for plan G thru Florida Blue - this is regular G not high deductible. Your quote seems really high. 😮
@@stephaniecoulter658 I heard the state of FL as well as NY are the highest when it comes to Medicare Medicap plans. It does goes by zip code, but FL is just high. I know someone he's 65 yr old male, just got a quote for Plan N of $110 in Arizona.
I am hearing that plan N premiums go up less on a yearly basis than plan G. How much difference will there be in plan N to G in 10-20 years
It seems to track that way- typically plans with more out-of-pocket for the enrollees have lower increases.
Advantage vs GHD is a no brainer. Advantage out of pocket can be $8500 vs 3300 GHD.
MY partner has Medicare A and B, and he also has my coverage through BCBS PPO. right now, we're doing well under that setup. does he need to get a supplement while he's on my BCBS?
if your BC is an advantage plan, you cannot have a supplement. But if it is original Medicare, you may.
@@marybouellette9905 my partner is covered on a +1 BCBS through my employer, in addition to Med A and B. i don't think advantage plans would say PPO, HMO, etc
I am stunned how hard it was to have a doctor or hospital accept my AARP UHC G plan in Sacramento County. 4 days last week 10 hours on the phone finally right before going back to Kaiser Advantage on Friday at 4 pm I found a doctor. 😡
It wouldn't have anything to do with them taking UHC Supplement. Only that they take Original Medicare. Medicare bills the supplement company.
@reonVideo Thank you for the response. I was told by 2 Hospitals and a few doctor groups they only accept Medicare Advantage. After many phone calls and a long talk with UHC I called a person back who had denied me earlier and I said if you accept Medicare Advantage you have top accept original and she laughed and said your right. My head was about explode but I stayed cool 😂 And now I am finally in the system.
@@beoz658 WOW, maybe call the hospital speak with a manager, and inform them their staff is giving out misinformation. It's usually the other way, I heard some hospital might be dropping advantage plans, because they often delay payments to hospitals. which can cause financial problems for hospitals. Supplemental plans once they get the bill, they immediately pay for it.
I am undecided between Plan G and plan GHD….❤
I have HDG for $34 in CA.
Consider the incentive to stay healthy.
Plan G has very low incentive because of the monthly expense and low $240 medical cost in the calendar year. You might want to get your money's worth.
HDG has high incentive to stay healthy due to a little less than $3,000 medical cost. That is a good reminder for me to not be stupid with my body.
Keith - female age 73 years zip 37830 - can you tell me lowest price for GHD. Already Have A & B
$38 bucks - Hard to beat that! You can fill in your info on my website and we can set up for you - medicareonvideo.com/
Do any of the supplement plans cover prescription drugs?
No, you need a separate Plan D/drug plan.
I wish Florida would come in at those rates. The quotes I have heard are double.
South Florida supplement plans are high priced. Some areas more than others. Plan N is usually best value for most in south Florida.
what will cost be for g plan in tx
Texas is one of the lowest cost areas. For female age 65 usually close to $100 a month. Plan N may be less than $80
@@MedicareonVideo Is AZ a low state for G and N? I know a couple who wants to move and retire in AZ at age 65
What bout a person try to get a scooter due to health issues?
I can’t do out of pocket for supplement plan.
The thing to think about is, if you can't do out of pocket for a Suppliment, how will you do out of pocket for deductibles and copays?
Is the state of Washington same as ny for ghd ?
No, every state is different for costs. We are in WA and my husband has plan G-HD and pays $48/mon with United American.
$48 in WA state for hd
$34 with UA for HDG in CA.
I won. 😅
Is there NHD?
No. I guess the feeling is that there would be little difference between it and the high deductible G plan.
Thank you
No NHD, only FHD or GHD
I turn 65 next month hot some help with the ship program in w va a d plan with United health plan but is cost me like 220 a yr some drugs st. 11dollars some at 5 ssi sent me a message saying i qualify for help so me questions is they are taking out the 175 starting this month advance payment i live on low income i get help for aloti wsnt to stsy on original medcare im lost do i pay the 20 part
Yeah Medicare is great! But I can’t afford 284.00 a month
Not looking forward to medicare next year. I retired at 62. Now i will be enrolled into medicare next year. I will have to have A & B, will need a supplement either G or N, need a drug supplement D, will need a dental supplement? So i get to look forward to having anywhere from $350 to $650 taken out of my SS check. Wow, what a deal! How do they expect me to live on a lower fixed income of that amount? I do fine right now but taking another $350 or more out of my SS a month will be a disaster! What a joke. Only ones making money are the brokers signing all the old people up for these policies? There must be a solution to this?
In Central Maryland 67 male none smoker
G $165/m
N $115/m I choose!!
Part D $.40 that's right 40 cents a month
What company is your $.40 drug plan?
Hi Keith and thanks for the great explainer here. First, I want to give a shout out to your agent Julia Jones for helping me out with signing up for Plan B coverage. She’s really great.
Now my question - and I have to admit that maybe I didn’t go over any of these things with Julia when she was helping me out - but: Do any of these plans cover vaccinations (like flu and Covid), vision and dental? If not, what plans do, or should I reach out to Julia for more details? Thanks again and keep up the good work. 🙂
You pay nothing for vaccines covered by Part B - flu, covid, pneumonia and Hepatitis B - as long as your provider accepts Medicare
@@MedicareonVideo Thanks. 🙂
You will need to purchase stand alone plans for dental, vision, hearing unless you are on an Advantage plan. Advantage plans only cover basic services for dental, vision, hearing. Beware!
Today 2024.
No kudos, didn't watch your video.
I have only 1 question I have UHC Plan N in California for both my wife and I for $294 per month.
I'm moving to Phoenix AZ within 6 months. Where the same Plan N from UHC costs $226 per month.
There are no state restrictions.
Why doesn't anybody talk about the gorilla in the room.
I can save $720 per year on the same plan, same company.
Why and how can I get my cost reduced from the same company, same plan ?
Am I just screwed ?
Why isn't this topic ever discussed on your channel ?
How about poor people? I am 63 and on Obamacare. If A is covered, B costs $174, D is maybe $50 (medicine for glaucoma, and N is maybe $100, that represents a weeks take home pay/month.
Depending on the state you live in, there are programs to help you pay for your Medicare and Drugs. Social Security has Extra help to help you with part D and Medicaid has a program that will pay your part B premiums, co pays and deductibles. But it is all depending on your income.
Once you're Medicare eligible (age 65), you will not be allowed to remain on ACA ("Obamacare"). If you absolutely can't afford to stay with Original Medicare and pay for a supplement plan, then you go go to a Medicare Advantage plan. These plans are limited with what doctors are in-network. The are also notorious for refusing to pay for high cost cancer treatments. No one knows their future health problems, but if you can't afford these premiums, then MA plans are for you. And like another person replied - depending on your income, there are programs you can sign up for that help pay for Medicare and drugs. Those are run by your state.
Plan n or g up to u
Keith’s videos are generally very helpful, but I need to call out the book “Medicare Made Clear”. I get that it’s a marketing tool, but overall I would advise people NOT to waste their time reading it. First off, the book contains numerous non-factual errors, like omitted words, glitchy writing, excessive repetition, some ambiguous sentences, and generally too wordy - making it a painful read. The cynical side of me says that it is intended to get readers to give up on reading it and call Keith’s company to get a quote started. If the book wasn’t so glitchy I could forgive the marketing aspects of it. Even the table of contents has errors - some section titles there inexplicably don’t match the actual content and/or are grammatically incorrect. I think the whole thing could be condensed to ten pages of clear writing, bullet points and/or flow chart to help people navigate Medicare. Get an intern to clean it up and it could be a very worthwhile reference. In contrast, the CMS book “Medicare & You 2024” is very clean and clear. Again, Keith’s videos are better investment of one’s time and are very much appreciated.
Yes Medicare supplement plan is the way to go however in NY Plan N is $242 and. Plans G is $316 monthly, Outrageous and then you need Part D Drug plan, and more then likely a dental plan and vision care. Middle America suffers with inflation sky high. Its no wonder many retire folks go with an Advantage plan..
FHD / GHD is the only way to go in NY. You can upgrade at any time if a health issue arrises. Take a look: th-cam.com/video/IG7GTPQYHWY/w-d-xo.htmlsi=-204d4tYkozr24bO
It's that expensive THANKS to NY politicians.
When people fail to take care of their health, e.g. obesity, it costs us all.