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Thank you for another informative video. But …uggh..all these Medicare costs! We are turning 65 in Jan ..husband still working . We need to still crunch numbers but I can’t imagine why in the world we would not stay on employer insurance. How do retirees do it? Part B premiums, supplemental plan, drug plan, dentist plus vision plans! !! This is crazy!
I did a lot of research before retirement and chose a supplement plan and a prescription plan to maximize coverage for our prescriptions. I'm so glad we did.
Medicare itself is a non-profit healthcare insurance system. But the Republicans have added on parts to Medicare that are for-profit. Those parts are Medicare advantage and Medicare part d, the drug plan. It's not really a Republican versus Democratic issue. It's a lack of campaign finance regulation. Most democracies do not allow foreign money to be given to politicians, but since the Republican engineered citizens United decision, United States not only has foreign money, it has money where it is absolutely impossible to trace the source of that income. So there's really only one political party in the United states. The Money Party.
@@mabelparker6924 I feel sorry for you. $50K dental cost is less than $500.00.the rest is pure profit.The same American made drug is $90.00 in the USA but It is only $6.00 in other countries.Remember that you are living in a corporate Dictatorship/Corporate Socialism.What we are spending for health care in the USA.I can take care very well the Whole world.American health system is not for health solutions,but making companies richer with help of USA Gov.
@MedicareSchool While I have to say THANKS for ALL your informative videos, I have to say our Government could care less about us seniors on Medicare/SS/SSDI/SSI. They SHOULD be doing their job & helping us, instead of milking things for themselves. They should ALL be FIRED. Anyway, just thought I would bring to light MY experience & research to hopefully help others that MAY read this, or again IF you might bring this topic up to help others that do not know. ALL one needs to do is look up their local dental schools, either full blown dental or community colleges. They have a full staff of students that do x-rays, preventative, & cleanings for FREE! There are dentists that go around to each student & patient making sure everything is done correctly. Also, not only that but again the FULL blown dental schools (many) will do fillings, extractions, etc. as well as, there are many VOLUNTEERS IN MEDICINE offices that will provide FULL dental for many (depending on income, and are in between medicaid & Medicare) Not enough income, yet not enough to apply for medicaid. PLEASE pass it on!
@rockinrob2004……I’ve called the dental school that is near us, a couple of different times a few years back. Both times, they said I didn’t ‘qualify’ as a patient…..they always had some stipulation, and sounded rather snotty at that. I have known people who have gone there….and they were the ones who told me about the dental school……but for some reason, they won’t allow me in?!
@@gracebe235 I'm sorry to hear that, I don't know what to say. Depends on what their policy is and how you fit into it. If you can travel try another area or contact your local senior center to see if they have any suggestions. Best of luck 🤞
You can thank the GOP, MAGATS, and Freedom Caucus (formerly = Teabaggers) for this! For 45 years, they’ve been trying to “privatize” SS, Medicare, and other social services for their wealthy insurance company benefactors. Rick Scott is the best example of these greedy people.
@@riceburner4747 If my 68 years has shown me anything it is the Republican Party that keeps trying to kill Social Security and regularly seeks to de fund it. Not All of Congress! Just look at the voting roll calls if you doubt that.Raising the SS cutoff amount or even better a $00.0001 transaction tax would fund All of the USA and eliminate our debt!
I used to work as a nurse in a surgery Department of a hospital and we occasionally have patients who needed to have dental extractions and other treatments prior to open heart surgery as well! Any major surgery can be a risk if you have underlying Dental infections because the anesthesia and the stress of the surgery the steroids and things like that compromise your immune system in that bacteria can get into your bloodstream quite easily
I'm so sorry. I can barely understand everything this guy is talking about. I can't afford dental or most anything they are talking about. I have Severe Osteoarthritis, Diabetes, and an Incurable Lung Disease. I have only a few years to live. I'm better off dying. Won't be a burden to anyone. Have a nice day. God Bless You. .@@flora5398
It's crazy to not cover dental care since it's an important part of your health. So they force old people to pay a high premium for their supplement, plus prescription plan, plus dental. It sounds like elder abuse to me!
Yes, it does feel like it doesn't it? And they add a lot of unnecessary complications to all this Medicare stuff. I took a Medicare Advantage Plan PPO because I just could not afford Original Medicare and the supplements I would have had to add onto it. Dental, Vision, Hearing. By the time you add it all up you're broke. Good thing my Primary Care Doctor and my Dentist and Optometrist were all in the network. So as far as that goes I'm good. When you're retired and on a fixed income you have to watch every penny. Those insurance premiums get more expensive as we age.
President Biden would sign that tomorrow if it were on his desk, but good luck trying to get it past Republicans in Congress! Yet, for some inexplicable reason, the majority of seniors insist on voting for Republicans!
He went over the costs. That money has to come from somewhere and that somewhere means more taxes and fees. Then there is the participation issue he mentioned. My dentist does not participate in Medicaid and gives me a substantial discount because I pay cash versus an insurance plan. Less paperwork and hassle when people pay cash.
I had dental insurance. I had to use assembly line dentists. The cleanings were awful. I dropped the insurance and self pay. The cleanings were so bad that parts of teeth became decalsfied. I was able to mostly correct but the spots are having some issues as I age. Never dental insurance again.
I had to laugh when you were talking about what Medicare cost the country . One trillion and medical/medicade cost one trillion. I have worked for 45 plus years and that was 38 years as a RN. So I paid lots into my Medicare. I also paid a lot into medical and have never received any medical in any form. It is sad because I chose a supplemental plan. Plan F and I pay over $550 a month. No vision and no dental. Our system is very messed up.
To be fair, I wonder how many people in their seventies and eighties are having sex change operations (that have been deemed "medically necessary "), compared to how many need dental care?
I will be retiring from UPS in a couple months but since I am 62 I can stay on my employer/union 's health care plan (paying monthly low monthly now though) until medicare age with most of the same benefits as when employed with the company including dental. That's a great bridge to medicare. I'm lucky.
@@FYoung-di9biUPS has a good pension. SS benefits is also good at 62 because of the higher earnings. I started mine at 63 because my health went south at retirement.
I had United Healthcare's Advantage Plan (I just switched to a supplement plan G though) and I had a molar break at the gumline then become abscessed at the root. Terrible pain. Anyway, my dental yearly maximum that my Advantage Plan would pay out was $799.00!! To me, that's a ridiculously low amount and an odd amount, too. Why $799? Why not just round it to $800? Weird. Well, I saw a dentist and they took x-rays then gave me a prescription for a 14 day supply of antibiotics. That's ALL that was done at that visit. I still ended up paying a little over $100 myself after the $799 covered by my insurance. So my point is that even if your Advantage Plan does offer dental coverage, be prepared to pay more out of your own pocket or get a private dental plan to add to your Advantage Plan.
The problem with most dental plans is that they only cover a limited amount of work each year. Say $1,000.00 or $1,500.00, and the premiums are half that, so your real savings are only $500.00 or $750.00, and most years you won't use it for more than a cleaning or two, so you end up paying 500.00 or 750.00 for 150.00-200.00 worth of service! You are almost better off to pay cash for your cleanings and have a dental savings account to cover when you need a crown or something like that. If you need major, major work, these plans will only cover a small portion of it anyway!
When I’m elected in congress I’ll take care of that for you. We can’t have someone critical of the system, right?🙄 If I don’t get to write that into insurance law for your dilemma, you have a right to run for congress yourself, I heard that recently from someone else!🤣 Anytime in fact you have an opinion that affects us as citizens just remember before you share that, someone said you have the right to fix it yourself. I’m not positive what they meant by telling me that but I’m sure they would want you to know it as well because you seem to have a problem with how insurance is written and there are laws that govern such things and you can get involved and change it instead of talking about it I think is what was implied when it was told me! Do you think it was good advice? Which state will you be campaigning from?
I agree Jay! I personally don't have a problem paying for my dental care. I was just explaining how most dental insurance isn't really insurance at all, and therefore not worth the money. As for running, I have the personality of a pomegranate, so don't think it would work out!😂The least we can do as citizens, if we can't run, is vote! Most Republicans want to cut or privitize programs like Medicare. Sure, you get SOME dental and vision coverage with the private Advantage Plans, but at what cost? Networks, preauthorizations, copays, denials of service! No thank you!
@@alansach8437 Well when I vote I don’t want my toothpaste behind lock and key in the store! The larger picture is much worse then privatized healthcare! The side you seem to favor wants to take all your tax money and ensure the rest of the world that didn’t pay a dime and tell them to come on in as long as they’ll vote for blue! There’s even people in denial about $30 million into a presidents pocket for giving our money away and making decisions for foreign countries! It’s the bigger picture that those idiots don’t see! We don’t need any G string parades down our main street with children lined up on the sidewalk! It’s the bigger picture. Everyone has trumped arrangements syndrome even after they find out it was all a conspiracy. The man they used to frame Trump for Russia conspiracy is in prison now for Russia conspiracy himself! But let’s just forget that orange man bad. It doesn’t matter if my own side was caught doing the stuff and trying to point out others for what they did! When it’s discovered the Democrats were the actual ones doing it just change the subject!
we're not getting any younger and yes, we don't use all of what we get what I really do think it should roll over and when we have enough to use what we really need to be done cause how they have it NO GOOD not enough
Thanks... The WEAKEST part of Medicare is Dental. Your information/service is appreciated.! The Vision Add On... Information was excellent. Many Advantage Plans have included them into the Dental PREMIUM...You missed this.
I file insurance for an endodontic office. AARP offers a Delta Dental PPO individual plan. Many good dentists are in-network with Delta Dental. In my experience the dentists who are in-network with most DHMOs and discount plans are sub-par. It can be very costly to pay to have bad dental work re-done later.
Not having heard of that word before today, I had to do a quick search to see what kind of dental office you work at. So now I know the following: Endodontics is the branch of dentistry concerning dental pulp and tissues surrounding the roots of a tooth. Thank you for the suggestion re the AARP plan.
@pamcornelius9122…..Thank you for this information! I have done sooo many internet searches, looking for a good plan and not finding much out there. With the info you gave, I was able to find a more affordable plan for my husband…..and may consider changing from the plan that I’m presently in. I love reading people’s comments on videos…..they are a goldmine! Again, thanks!
If one is eligible for Medicaid also, there is dental coverage, at least in some states. Oregon is working on open access to OHP Medicaid to aide in this type of coverage...we will see. A few years ago a journalist travelled across country to see what dental coverage was available. He presented with the same complaint at each office and requested the cost estimate. They varied by huge amounts for the same treatment...even within the same community. Because there are no pricing standards for denistry.
Very informative - would be an interesting study to see if regular dds care would reduce the Medicare-paid medical treatment by keeping people healthier.
I was told by my dentist and my own research confirms that dental insurance is a waste of money. They have ways of limiting the benefits and maximizing the profits. A total waste to buy dental insurance.
Not necessarily true. Even though they don't cover major issues until about a year out, mine at least paid for an exam and extraction which would have cost me over $300
@@keenedge1099…..I think what he means, is for example, I am paying $56.50 a month for a ‘stand alone’ dental plan that didn’t cover major until a year later. But at $56.50 a month, I had already paid over $300 in just 6 months! In other words, if this was pertaining to what you had covered, you could have just set that money aside and paid for it that way….instead of continuing to pay it, year in and year out, whether you require anymore work or not. In that respect, we are actually paying a fortune for ‘peace of mind’, should we have a crown fall off unexpectedly, or? But, I guess I am a sucker for ‘peace of mind’. Because setting that money aside for the eventual tooth emergency, that WILL happen? Ha! It would get spent on the many other emergencies that ALWAYS crop up…..and then I would still be out of money for the dental emergency! Nope. Best for some fool like me to just pay as I go, to ‘insure’ that my tooth will be covered at 70% for Major work, than trusting that my piggy bank won’t have moths flying out of it WHEN the time comes, not IF.
It depends on what kind of coverage you have currently. If you have an advantage plan there are plans designed for those with diabetes that help with that kind of coverage specifically. But, if you are on a supplement plan you will want to look into adding on a stand-alone vision plan. We can help with both of those options. You can give us a call at 1-800-864-8890.
Just watched another of these videos, and the part G pitch, I don't think it showed the ? over $1500 Part A deductible for a hospital stay. If Medicare Advantage charges $300 a day for two days and a set copay, it sounds cheaper.
Every video lists costs for procedures that are so far off the coverages listed are wrong. A plan may suggest they cover 25% of teeth cleaning at average costs, so you sign up and go to the dentist. Then you discover the actual cost is triple. And they won't cover the overage so you pay again.
Question - I had covid in May 2020 and it appeared if there were no symptoms. Come November my teeth started breaking off. In January, NPR had a dentist and doctor on and they were both doctors to a teenage boy who had had covid. 6 months later his teeth started breaking off and the doctors said it was due to covid settling in the blood rich jaws. When the teeth broke there was no pain except for the sharp points of the break, no blood and they concurred it was due to covid. This was the same pattern for me. Because this was caused by covid, would it be covered by my Medicare?
The most efficient deliverer of medical insurance in the U.S. is (traditional) Medicare. Medicare For All would save about $450 billion a year and save around 68,000 lives a year, but cost about $450 billion less per year.
Insurance companies decided that they were not fleecing the country fast enough with traditional Medicare, so they convinced congress to create the even more outrageous medicare advantage plans. MA management has zero incentive to treat patients. The more claims they reject, the more profit for their investors.
Medicare Advantage does cover dental, although regular Medicare does not. I personally, have Physicians Mutual, which has been great for me, because I don't have Medicare Advantage. I previously had Aetna, and they were awful. At $38.80 per month, PM has paid for everything that i have had done, I know if I need a root canal and crown, it may not cover everything, but it will at least cover 75% of it, which is way more than Aetna ever would. with a 'rider' on my plan, they added vision coverage for an additional $6.00 more, which is also another thing that Medicare does not cover.
If I buy Original Medicare A and B, Plan N plus D, dental and vision in addition to that, - it will be about $400 a month. Four Thousand Dollars a year. That's how much you pay for peace of mind. It's all about money. Keep working and pay till you die. Forget about retirement.
It's pretty sad that 😅 of the modernized countries in the world have Free nationwide healthcare Except the so called biggest best country in the world !!
What is a Medicare wasting a lot of money especially when it comes to the Medicare agents a lot of that is wasteful and they can put toward the dental programs that are in place instead of wasting that money
Every time you mention advantage plans you lose me. These advantage plans are awful. Insurance brokers push them because they get more money for every person they sign up into these horrible plans. Hospitals as well as doctors are dropping advantage plans left and right because of how horrible these plans are. Advantage plans lure you with all these extra so-called benefits. This sounds really good until you require real medical care and advantage plans deny your treatments deeming them medically unnecessary. Constantly putting a patient's well-being in jeopardy. These plans are nothing more than Insurance companies putting profit over people
How is anybody supposed to understand this? I am confused. But, I know that I will have to pay an extreme amount of money that I don't have. I listen to your videos, but it is all a blur to me. I don't understand anything. It's unbelievably complicated and I can't keep up with your rate of speech. So I only conclude that I will end up having to pay way more for my health care than I can possibly afford. I am totally and completely frustrated and overwhelmed. The government has made it unbelievably complicated and impossible to understand. The system is broken. Obamacare has created an impossible situation that is designed to fail. And, we are experiencing that failure, which will lead to medical care rationing and further devastating circumstances. This is an impossible situation that cannot be fixed by conventional means. Your explanations are appreciated, but still, not helpful. I cannot follow the information that you are providing so rapidly and with such extraordinary complication. But, I suppose, that is the nature of the subject. What an impossible mess for those of us who are struggling with all of this government caused chaos.
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This is very well done! Dental is a constant question and there aren't always great solutions...this is well outlined! Thank you!
Medicare needs to pay for dental, hearing and vision!!!
No they do not.
@@BrittMFHDEFINITELY NOT FOR YOU.
Vote blue!
and pay for your headstone and casket, plus mourners to weep
illegals and Ukraine need to pay for themselves
Thank you for another informative video. But …uggh..all these Medicare costs! We are turning 65 in Jan ..husband still working . We need to still crunch numbers but I can’t imagine why in the world we would not stay on employer insurance. How do retirees do it? Part B premiums, supplemental plan, drug plan, dentist plus vision plans! !! This is crazy!
I did a lot of research before retirement and chose a supplement plan and a prescription plan to maximize coverage for our prescriptions. I'm so glad we did.
Great choice!
Medicare is not a health provider for citizens,but for making health-related companies richer.We spend more but we get less .
Medicare itself is a non-profit healthcare insurance system.
But the Republicans have added on parts to Medicare that are for-profit. Those parts are Medicare advantage and Medicare part d, the drug plan.
It's not really a Republican versus Democratic issue. It's a lack of campaign finance regulation.
Most democracies do not allow foreign money to be given to politicians, but since the Republican engineered citizens United decision, United States not only has foreign money, it has money where it is absolutely impossible to trace the source of that income.
So there's really only one political party in the United states.
The Money Party.
@@mabelparker6924 I feel sorry for you. $50K dental cost is less than $500.00.the rest is pure profit.The same American made drug is $90.00 in the USA but It is only $6.00 in other countries.Remember that you are living in a corporate Dictatorship/Corporate Socialism.What we are spending for health care in the USA.I can take care very well the Whole world.American health system is not for health solutions,but making companies richer with help of USA Gov.
I've always thought it best to self-insure for dental.
Dental and vision. I can drive to Mexico and get basic dental care - the common procedures
@MedicareSchool While I have to say THANKS for ALL your informative videos, I have to say our Government could care less about us seniors on Medicare/SS/SSDI/SSI. They SHOULD be doing their job & helping us, instead of milking things for themselves. They should ALL be FIRED. Anyway, just thought I would bring to light MY experience & research to hopefully help others that MAY read this, or again IF you might bring this topic up to help others that do not know. ALL one needs to do is look up their local dental schools, either full blown dental or community colleges. They have a full staff of students that do x-rays, preventative, & cleanings for FREE! There are dentists that go around to each student & patient making sure everything is done correctly. Also, not only that but again the FULL blown dental schools (many) will do fillings, extractions, etc. as well as, there are many VOLUNTEERS IN MEDICINE offices that will provide FULL dental for many (depending on income, and are in between medicaid & Medicare) Not enough income, yet not enough to apply for medicaid. PLEASE pass it on!
@rockinrob2004……I’ve called the dental school that is near us, a couple of different times a few years back. Both times, they said I didn’t ‘qualify’ as a patient…..they always had some stipulation, and sounded rather snotty at that. I have known people who have gone there….and they were the ones who told me about the dental school……but for some reason, they won’t allow me in?!
@@gracebe235 I'm sorry to hear that, I don't know what to say. Depends on what their policy is and how you fit into it. If you can travel try another area or contact your local senior center to see if they have any suggestions. Best of luck 🤞
And the government has done nothing to address the shortcomings of Medicare and Social Security. Pretty sad.
Hell, Congress wants to eliminate SS.🙄 And don't start me on dental.😉
You can thank the GOP, MAGATS, and Freedom Caucus (formerly = Teabaggers) for this! For 45 years, they’ve been trying to “privatize” SS, Medicare, and other social services for their wealthy insurance company benefactors. Rick Scott is the best example of these greedy people.
I think Medicare and SS do fine by us. We need to take some responsibility for our own retirement savings.
@@BrittMFH Some of us may not be able to for various reasons.
@@riceburner4747 If my 68 years has shown me anything it is the Republican Party that keeps trying to kill Social Security and regularly seeks to de fund it. Not All of Congress! Just look at the voting roll calls if you doubt that.Raising the SS cutoff amount or even better a $00.0001 transaction tax would fund All of the USA and eliminate our debt!
I used to work as a nurse in a surgery Department of a hospital and we occasionally have patients who needed to have dental extractions and other treatments prior to open heart surgery as well! Any major surgery can be a risk if you have underlying Dental infections because the anesthesia and the stress of the surgery the steroids and things like that compromise your immune system in that bacteria can get into your bloodstream quite easily
I know for a fact. I almost died because of a dental infection.
I'm so sorry. I can barely understand everything this guy is talking about. I can't afford dental or most anything they are talking about. I have Severe Osteoarthritis, Diabetes, and an Incurable Lung Disease. I have only a few years to live. I'm better off dying. Won't be a burden to anyone. Have a nice day. God Bless You. .@@flora5398
It's crazy to not cover dental care since it's an important part of your health. So they force old people to pay a high premium for their supplement, plus prescription plan, plus dental. It sounds like elder abuse to me!
Just signed up for Medicare,we need dental ,hearing and vision.young people don’t need this that badly.
Yes, it does feel like it doesn't it? And they add a lot of unnecessary complications to all this Medicare stuff. I took a Medicare Advantage Plan PPO because I just could not afford Original Medicare and the supplements I would have had to add onto it. Dental, Vision, Hearing. By the time you add it all up you're broke. Good thing my Primary Care Doctor and my Dentist and Optometrist were all in the network. So as far as that goes I'm good. When you're retired and on a fixed income you have to watch every penny. Those insurance premiums get more expensive as we age.
That’s why it’s separate coverage. They know seniors need it more & don’t want to pay. Dental care is related to medical care.
President Biden would sign that tomorrow if it were on his desk, but good luck trying to get it past Republicans in Congress! Yet, for some inexplicable reason, the majority of seniors insist on voting for Republicans!
He went over the costs. That money has to come from somewhere and that somewhere means more taxes and fees.
Then there is the participation issue he mentioned. My dentist does not participate in Medicaid and gives me a substantial discount because I pay cash versus an insurance plan. Less paperwork and hassle when people pay cash.
I had dental insurance. I had to use assembly line dentists. The cleanings were awful. I dropped the insurance and self pay. The cleanings were so bad that parts of teeth became decalsfied. I was able to mostly correct but the spots are having some issues as I age. Never dental insurance again.
I had to laugh when you were talking about what Medicare cost the country . One trillion and medical/medicade cost one trillion. I have worked for 45 plus years and that was 38 years as a RN. So I paid lots into my Medicare. I also paid a lot into medical and have never received any medical in any form. It is sad because I chose a supplemental plan. Plan F and I pay over $550 a month. No vision and no dental. Our system is very messed up.
It’s crazy that under current political views s e x change treatment is considered a necessity, but not teeth!
I bet Ukraine workers we pay have a good dental plan.
To be fair, I wonder how many people in their seventies and eighties are having sex change operations (that have been deemed "medically necessary "), compared to how many need dental care?
@@arthurvandermark5397 good point! I’ve also heard Israel’s healthcare for its citizens is top, compared to US!
Maybe if you get them filed down like shark teeth they will cover it.
@@flora5398always wanted to go to Israel
I will be retiring from UPS in a couple months but since I am 62 I can stay on my employer/union 's health care plan (paying monthly low monthly now though) until medicare age with most of the same benefits as when employed with the company including dental. That's a great bridge to medicare. I'm lucky.
Why would u you retire at 62?
Why not at your FRA? Best you speak to SSA.
Once you retire at 62, it's a permanent life time reduction..
@@FYoung-di9biUPS has a good pension. SS benefits is also good at 62 because of the higher earnings. I started mine at 63 because my health went south at retirement.
Did your dental benefits go down? Mine only covers $1500. So glad they increased medical to $350k though.
Thanks for another great video. The vision bit at the end was like the icing on cake.
Glad you enjoyed it
I had United Healthcare's Advantage Plan (I just switched to a supplement plan G though) and I had a molar break at the gumline then become abscessed at the root. Terrible pain. Anyway, my dental yearly maximum that my Advantage Plan would pay out was $799.00!! To me, that's a ridiculously low amount and an odd amount, too. Why $799? Why not just round it to $800? Weird.
Well, I saw a dentist and they took x-rays then gave me a prescription for a 14 day supply of antibiotics. That's ALL that was done at that visit. I still ended up paying a little over $100 myself after the $799 covered by my insurance.
So my point is that even if your Advantage Plan does offer dental coverage, be prepared to pay more out of your own pocket or get a private dental plan to add to your Advantage Plan.
The problem with most dental plans is that they only cover a limited amount of work each year. Say $1,000.00 or $1,500.00, and the premiums are half that, so your real savings are only $500.00 or $750.00, and most years you won't use it for more than a cleaning or two, so you end up paying 500.00 or 750.00 for 150.00-200.00 worth of service! You are almost better off to pay cash for your cleanings and have a dental savings account to cover when you need a crown or something like that. If you need major, major work, these plans will only cover a small portion of it anyway!
When I’m elected in congress I’ll take care of that for you. We can’t have someone critical of the system, right?🙄
If I don’t get to write that into insurance law for your dilemma, you have a right to run for congress yourself, I heard that recently from someone else!🤣
Anytime in fact you have an opinion that affects us as citizens just remember before you share that, someone said you have the right to fix it yourself.
I’m not positive what they meant by telling me that but I’m sure they would want you to know it as well because you seem to have a problem with how insurance is written and there are laws that govern such things and you can get involved and change it instead of talking about it I think is what was implied when it was told me!
Do you think it was good advice? Which state will you be campaigning from?
I agree Jay! I personally don't have a problem paying for my dental care. I was just explaining how most dental insurance isn't really insurance at all, and therefore not worth the money. As for running, I have the personality of a pomegranate, so don't think it would work out!😂The least we can do as citizens, if we can't run, is vote! Most Republicans want to cut or privitize programs like Medicare. Sure, you get SOME dental and vision coverage with the private Advantage Plans, but at what cost? Networks, preauthorizations, copays, denials of service! No thank you!
@@alansach8437 Well when I vote I don’t want my toothpaste behind lock and key in the store! The larger picture is much worse then privatized healthcare! The side you seem to favor wants to take all your tax money and ensure the rest of the world that didn’t pay a dime and tell them to come on in as long as they’ll vote for blue!
There’s even people in denial about $30 million into a presidents pocket for giving our money away and making decisions for foreign countries! It’s the bigger picture that those idiots don’t see!
We don’t need any G string parades down our main street with children lined up on the sidewalk!
It’s the bigger picture. Everyone has trumped arrangements syndrome even after they find out it was all a conspiracy. The man they used to frame Trump for Russia conspiracy is in prison now for Russia conspiracy himself!
But let’s just forget that orange man bad. It doesn’t matter if my own side was caught doing the stuff and trying to point out others for what they did!
When it’s discovered the Democrats were the actual ones doing it just change the subject!
we're not getting any younger and yes, we don't use all of what we get what I really do think it should roll over and when we have enough to use what we really need to be done cause how they have it NO GOOD not enough
Thanks... The WEAKEST part of Medicare is Dental. Your information/service is appreciated.! The Vision Add On... Information was excellent. Many Advantage Plans have included them into the Dental PREMIUM...You missed this.
Yes, but Plan G would be the cost effective option
Humana advantage ppo will now only pay for a cleaning and x-rays if the dentists accepts your insurance.
So much information. Thankyou.
Wish dental cost that little - haven't had a crown done for less than $3k in years in NJ, SC and Florida
Very helpful information!Thank you😊
You are so welcome!
I’m a diabetic and need a retinopathy test every year. Does Medicare pay for the test?
Yes
I file insurance for an endodontic office. AARP offers a Delta Dental PPO individual plan. Many good dentists are in-network with Delta Dental. In my experience the dentists who are in-network with most DHMOs and discount plans are sub-par. It can be very costly to pay to have bad dental work re-done later.
HMO dental plans account for only 10 percent of the market. 90 percent are PPOs.
Not having heard of that word before today, I had to do a quick search to see what kind of dental office you work at. So now I know the following:
Endodontics is the branch of dentistry concerning dental pulp and tissues surrounding the roots of a tooth.
Thank you for the suggestion re the AARP plan.
@pamcornelius9122…..Thank you for this information! I have done sooo many internet searches, looking for a good plan and not finding much out there. With the info you gave, I was able to find a more affordable plan for my husband…..and may consider changing from the plan that I’m presently in. I love reading people’s comments on videos…..they are a goldmine! Again, thanks!
@@gracebe235 You’re welcome! I always go straight to the comments on videos too. 😊
Excellent explanation!!
Glad it was helpful!
If one is eligible for Medicaid also, there is dental coverage, at least in some states. Oregon is working on open access to OHP Medicaid to aide in this type of coverage...we will see. A few years ago a journalist travelled across country to see what dental coverage was available. He presented with the same complaint at each office and requested the cost estimate. They varied by huge amounts for the same treatment...even within the same community. Because there are no pricing standards for denistry.
Very informative - would be an interesting study to see if regular dds care would reduce the Medicare-paid medical treatment by keeping people healthier.
Great and very informative content.
Glad it was helpful!
Nothing for prevention, a fortune for treatment.
I was told by my dentist and my own research confirms that dental insurance is a waste of money. They have ways of limiting the benefits and maximizing the profits. A total waste to buy dental insurance.
Not necessarily true. Even though they don't cover major issues until about a year out, mine at least paid for an exam and extraction which would have cost me over $300
Totally depends on the type of plan you have. Ask your preferred dental office for advice on what companies they like.
But how much did you pay for premiums? @@keenedge1099
They didn't like any. @@dq7143
@@keenedge1099…..I think what he means, is for example, I am paying $56.50 a month for a ‘stand alone’ dental plan that didn’t cover major until a year later. But at $56.50 a month, I had already paid over $300 in just 6 months! In other words, if this was pertaining to what you had covered, you could have just set that money aside and paid for it that way….instead of continuing to pay it, year in and year out, whether you require anymore work or not. In that respect, we are actually paying a fortune for ‘peace of mind’, should we have a crown fall off unexpectedly, or?
But, I guess I am a sucker for ‘peace of mind’. Because setting that money aside for the eventual tooth emergency, that WILL happen? Ha! It would get spent on the many other emergencies that ALWAYS crop up…..and then I would still be out of money for the dental emergency!
Nope. Best for some fool like me to just pay as I go, to ‘insure’ that my tooth will be covered at 70% for Major work, than trusting that my piggy bank won’t have moths flying out of it WHEN the time comes, not IF.
What about diabetics? Is there any additional coverage for exams and eyewear for people who are diabetic?
It depends on what kind of coverage you have currently. If you have an advantage plan there are plans designed for those with diabetes that help with that kind of coverage specifically. But, if you are on a supplement plan you will want to look into adding on a stand-alone vision plan. We can help with both of those options. You can give us a call at 1-800-864-8890.
How can I qualify for extra help with my premiums? How do I apply?
My team would be happy to assist you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Just watched another of these videos, and the part G pitch, I don't think it showed the ? over $1500 Part A deductible for a hospital stay. If Medicare Advantage charges $300 a day for two days and a set copay, it sounds cheaper.
Every video lists costs for procedures that are so far off the coverages listed are wrong. A plan may suggest they cover 25% of teeth cleaning at average costs, so you sign up and go to the dentist. Then you discover the actual cost is triple. And they won't cover the overage so you pay again.
Pay 3000.00 over 3 years for insurance, get a 2000.00 $ root canal and pay 50% of it. What a good deal.
Take better care of your teeth, and cut out sugar
You are lucky. You essentially paid $4000 for the overpriced root canal. In Mexico, a USA trained dentist would probably have charged $300 - $400.
@@buggsy5 many people die going to other countries to save money on doctors
I am afan of yours , Marvin.
Question - I had covid in May 2020 and it appeared if there were no symptoms. Come November my teeth started breaking off. In January, NPR had a dentist and doctor on and they were both doctors to a teenage boy who had had covid. 6 months later his teeth started breaking off and the doctors said it was due to covid settling in the blood rich jaws. When the teeth broke there was no pain except for the sharp points of the break, no blood and they concurred it was due to covid. This was the same pattern for me. Because this was caused by covid, would it be covered by my Medicare?
OMG sorry to hear that, I would contact Medicare.
I would call Medicare to get a precise answer
Do you help find dental, vision plans when helping get the medical coverage?
Yes we can! We would be happy to, you can contact our office at 800-864-8890.
How stingy and miserable is medicare not covering any of tbese essential things like dental and vision !!
It isn't Medicare's fault - it is due to the lobbyists that perpetually convince congress to keep it that way.
Aetna PPO gives me $2,000 a year
The most efficient deliverer of medical insurance in the U.S. is (traditional) Medicare. Medicare For All would save about $450 billion a year and save around 68,000 lives a year, but cost about $450 billion less per year.
Not a snowballs chance in hell it would turn out that way.
@@TaddDavis open yours to reality
Insurance companies decided that they were not fleecing the country fast enough with traditional Medicare, so they convinced congress to create the even more outrageous medicare advantage plans.
MA management has zero incentive to treat patients. The more claims they reject, the more profit for their investors.
Medicare Advantage does cover dental, although regular Medicare does not. I personally, have Physicians Mutual, which has been great for me, because I don't have Medicare Advantage. I previously had Aetna, and they were awful. At $38.80 per month, PM has paid for everything that i have had done, I know if I need a root canal and crown, it may not cover everything, but it will at least cover 75% of it, which is way more than Aetna ever would. with a 'rider' on my plan, they added vision coverage for an additional $6.00 more, which is also another thing that Medicare does not cover.
Do what some people do if you can afford foreign travel have it done out of country.
If I buy Original Medicare A and B, Plan N plus D, dental and vision in addition to that, - it will be about $400 a month. Four Thousand Dollars a year. That's how much you pay for peace of mind. It's all about money. Keep working and pay till you die. Forget about retirement.
It's pretty sad that 😅 of the modernized countries in the world have Free nationwide healthcare Except the so called biggest best country in the world !!
Nothing is free 😂
Yep. At the same time, medical care in the US is second rate - at best.
Our vets don't even get dental
We can help with that. My team would be happy to assist you. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
So sad,so true WHY is this happening? We fought for this country, we need dental and vision. How could dentist be soooo selfish ?😢
What is a Medicare wasting a lot of money especially when it comes to the Medicare agents a lot of that is wasteful and they can put toward the dental programs that are in place instead of wasting that money
Ok, if dental was not relevant on the 60s, stop sending money to other countries and cut the extra bonuses they receive it's 2024
Every time you mention advantage plans you lose me. These advantage plans are awful. Insurance brokers push them because they get more money for every person they sign up into these horrible plans.
Hospitals as well as doctors are dropping advantage plans left and right because of how horrible these plans are.
Advantage plans lure you with all these extra so-called benefits. This sounds really good until you require real medical care and advantage plans deny your treatments deeming them medically unnecessary. Constantly putting a patient's well-being in jeopardy. These plans are nothing more than Insurance companies putting profit over people
Getting old really stinks this whole Medicare thing
How is anybody supposed to understand this? I am confused. But, I know that I will have to pay an extreme amount of money that I don't have. I listen to your videos, but it is all a blur to me. I don't understand anything. It's unbelievably complicated and I can't keep up with your rate of speech. So I only conclude that I will end up having to pay way more for my health care than I can possibly afford. I am totally and completely frustrated and overwhelmed. The government has made it unbelievably complicated and impossible to understand. The system is broken. Obamacare has created an impossible situation that is designed to fail. And, we are experiencing that failure, which will lead to medical care rationing and further devastating circumstances. This is an impossible situation that cannot be fixed by conventional means. Your explanations are appreciated, but still, not helpful. I cannot follow the information that you are providing so rapidly and with such extraordinary complication. But, I suppose, that is the nature of the subject. What an impossible mess for those of us who are struggling with all of this government caused chaos.
Tip ! Floss twice a day n you never have to see a dentist.
Not true.
Take a second more time to write stuff that does not look like a 6 grader wrote it and can be read!!!!!