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When I first signed up for Medicare F was still available, and was very tempting, especially since I knew that I would be grandfathered in. But then I did the math! The premiums would have been higher, over the course of a year, than if I got the G AND paid the Part B deductible! Didn't make sense! I got the G and never looked back!
I have Medicare and Tricare-for-Life because my husband was career military, retiring as a USN Chief. The military pays for this supplemental policy in full. Tricare-for-Life is essentially an F plan, paying for everything. I pay no premiums except that for Medicare A and B, and no copays-for life. Our military pay and retirement may have been low, but our medical care is great.
Hi Marvin, I have watched your videos before, during and after open enrollment for educational purposes. We’re never too old to learn something new! 😊 One thing I wish was covered more in depth in one or more of your videos is the underwriting process when attempting to switch plans. I have always had Plan F and the premium has gone up steadily over the years; currently at almost $300/month. During this last open enrollment I really wanted to switch to Plan G. After doing my own research it quickly became apparent that no insurance company would want me because since I started my Medicare coverage I have had back surgery, a heart attack and have been diagnosed with Chronic Kidney Disease. So, I am thankful to have Plan F with its full coverage. Thank you for all the education you provide and for breaking Medicare down into layman’s terms.
I am 65 so the plan F does not pertain to me, but I love these videos so much I have to watch. I have been plan "G" after numerous watching's. But plan "N" is intriguing as to the difference in premiums. Still working, not on Medicare yet so every video has it's purpose, even if it is just to past the time as this site is over the top awesome! So grateful for them.
I'm 78 so I was on plan F for several years and I loved it. But like anything, the insurance companies rob patients blind so the CEO's can make millions and refuse patients. Remember a CEO who was shot in the back because not only was he greedy but "Delayed and Denied" claims which turned out "Deposed" for Brian Thompson. And of course the insurance agents have to get their share as well. If we had Universal Health Care like almost every other country though we may have to pay extra taxes we wouldn't have to go through this stuff with greedy insurance companies.
Please do a presentation for federal employees. I work for The USPS and I am told next year I have to sign up for the Advantage plan which I don't want.
Perfectly explained and illustrated. Thank you for all the clear complete information you provide about a subject so vivid to everyone over sixty-five.
Marvin, you've said many times if you start with an advantage plan you may be stuck when trying to go to a supplemental plan later. So if people on plan F are wasting money, can they easily switch to another supp plan w/o underwriting expense and med history scrutinization?
In many states, you can't switch to a different Supplement without being subject to underwriting. So you can often be stuck with whatever supplement you initially enrolled in.
I am 72,keeping my F plan. I recalculated and compared both F and G and the savings are small and to me not worth loosing the piece of mind I have now. Even with constantly increasing premiums. Having good coverage is very expensive. I have health issues, not taking any chances in changing. Maybe if you are very healthy, feel comfortable you will remain relatively healthy? It’s a gamble. I thought I was healthy, till I had stage 4 cancer diagnosis. High prescription costs. Chemo infusions in clinic are covered under A or B of Medicare, but pill form targeted therapies are considered prescription, need to have prescription plan D with highest possible coverage, as each month medicine costs over 7k. I fall into tier 5 in the first month of the year! This is my 8th year. If you can afford to keep your plan F, I would recommend you keep it. There is a reason insurance companies want to get people of plan F, making G look as good. I read the coverage and I personally feel there is some verbiage, ever so slightly different, possibly to be something left to being interpreted differently when one finds out they are not covered as they thought they would be. It’s only my opinion, based on what I looked at and understand.
Carriers in Montana closed certain books of business so to move down to Plan G, they have to be underwritten. It's not right, in my opinion. Any thoughts on that?
@@martinmacek4187 Yup, until you need treatment or a referral. Then you'd better have deep pockets for copays and/or an understanding insurance company when you're begging them to get that specialized medical test. And don't forget the THOUSANDS of dollars for MOOP every year!! NO THANKS. I think I'll stay with Medigap.
Problem is to switch out of Plan F in Florida requires new medical underwriting. Thus an opportunity for the carrier to drop older people with a history of claims. I'm 71 with my rate based on 65 with my carrier. It would be great if I could switch to G like allowed in a few States.
Yes, but there's no harm in trying. As he says, make an application for a Plan G and if it doesn't get approved, then you haven't been harmed. Just don't cancel your Plan F until you've been approved for G. It's the same advice you're given for buying life insurance; never cancel your current policy until the new one's in place
My State (P.A.) doe not allow Excess chargers. Are we the only state that dont charge them cus no one talks about that . Thank you for letting us knew if you can. Thanks for the medicare school on line. we are 17 months away from medcare . Thank you for all the info.
I am 77 years old with HMO, moved to another state, and changed to supplemental G with help from Medicare school. I was struggling at first because I was not familiar with this supplemental G. until your team's helping and guided. G is a money saver for me. Thank you, Medicare School!
You're welcome! Thank you for leaving a review. If you need any additional assistance, please call our client support team at 800-864-8890. We look forward to helping you!
We have Plan N. My wife's monthly cost is $72, and my sister, who is one year younger than my wife, has plan G. She pays over $120 monthly. As long as my wife doesn't go to the doctor 4 times a month N is cheaper. Right now my wife sees her primary care doctor twice a year. Even when she needed open heart surgery she didn't exceed the difference in cost.
thanks again Marvin! I took N due to the "barrier" of copays which should route higher-cost users to plan G. I think N will not have as large of increases?
A Medicare supplemental plan G can cost anywhere from $99-$350 a month ,depending on the state. In most states it will be $100-$200. We would be happy to help you compare plans and help you choose the one that best suits your needs! Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Why he didn't explain HDG Plan? HDG plan has $ 2800.00 yearly deductibles including Plan plan B deductibles. HDG plan has less premium comparing to pan G.
Medicare Supplement Plan N does not include prescription drug coverage. If you're looking for coverage for both Medicare Parts A and B along with prescription drugs, you would need to consider a Medicare Advantage plan or a Medicare Supplement plan with a Part D prescription drug plan. Please see the link for our 1h workshop www.medicareschool.com/get-the-workshop-now?submissionGuid=ffef6dda-32b5-45ca-9145-d4085a6f367d
When you first started this video, I thought you were going to talk about FEHB BCBS Standard Option vs FEHB BCBS Basic. FEHB BCBS Basic rebates some of your Part B costs.
Depends on your age, the state you live in and the rules for the premiums (age based or community based). I pay $155/month for plan N in WA state. Premiums here are community based by law. This means premiums can (and will) increase with inflation, but there is no age component. Plan G is about ~$50 more per month. F plans are $50-$70/month more than G plans, so there is no point in keeping an F plan. There is no health screening/underwriting in WA state if you switch between Medigap plans and/or carriers.
A Medicare supplemental plan G can cost anywhere from $99-$350 a month ,depending on the state. In most states it will be $100-$200. Usually a Supplement plan N will be $25 a month less than a plan G. Depending on the state it can cost anywhere from $75-$150 a month. Give us a call at 800-864-8890, one of our license agents and AHIP certified will be able to help you compare plans and educate you on Medicare.
@@MedicareSchool And that is before the premiums increase year after year. If these insurance companies like United Healthcare can make millions in profits than they can reduce our premiums. A bunch of crooks. UNIVERSAL HEALTHCARE!
I can't change because of my Type 2 diabetes, so I'm staying on Plan F and I'm not worried about the cost. I planned for my retirement medical expenses and my previous employer gave us "retirees" a Health Reimbursement Account" (HRA) that covers about half of the premium. So it's all good! 🤔😎
I am 76, have always had F plan…my family history and the number of health issues and then a divorce made it a top priority…best choice for me and now S a stroke survivor….I will drop my car and homeowners before I will ever move off the plan …with all the inflation that prospect is knocking at the door!! Didn’t qualify for G plan 8 years before any stoke but I am content . I pay $65 more than my friend on a G plan….thanks for the terrific review of the supplemental system once again!!!
Please comment. Is “coinsurance” just a deductible without a limit? Meaning, just crap they won’t pay for? And did it start after the Affordable Care Act just to make more money?
i have plan F high deductible and i don't think my rates are high. so what are the variables. i live in california. who is my plan group? isn't it geographically determined?
BS recently sent me a rate sheet comparison C,D,F, hi F, K. those were the only comparisons. G and hi G were not on there. i tried to find other comparison tables online, but I only found these. my region was one of the least expensive ones. @@gindie1
@@JohnSmith-ug5ci If you are asking if those on Advantage can switch to original Medicare with a Supplement, yes, but will be subject to medical underwriting for the Supplement, in most states. As for being a better value, it depends. If you use a lot of medical services, probably a better value to pay the higher premiums for a Supplement, and have lower out-of-pocket exposure. But Supplement premiums vary according to geographic location, letter plan, and age. The premiums can increase significantly annually, so you would need to budget for that.
Those on Medicare Advantage plans could switch to a supplemental plan during specific enrollment periods. However, switching may involve medical underwriting. Consider differences in coverage, costs, and provider flexibility before deciding. Give us a call to 800-864-8890, one of our license agents in your state can give you detailed information and help compare different plans in your area.
I turn 65 in September this year. Am i required to sign up for medicare even though i plan to retire at age 66 and 10 mth when i will receive full SS benefits? My employer currently provides Credible medical coverage.
If you have credible medical coverage through your employer when you turn 65, you can delay enrolling in Medicare without facing penalties. When you decide to retire, you'll have a Special Enrollment Period to sign up for Medicare without late penalties. Check with your employer to confirm coverage credibility and plan to enroll in Medicare when you retire, if you contribute to an HSA account you will need to stop contributing 6 months before signing up for Medicare. 1h workshop link www.medicareschool.com/get-the-workshop-now?submissionGuid=ffef6dda-32b5-45ca-9145-d4085a6f367d
Also compare the benefits. When my wife turned 65 she dumped her employer plan (even though still working) for Medicare and a G Supplement because the coverage was so much better. No more $3,200.00 deductible for one thing. That alone was huge!
I agree with the advice to watch his other videos. The quick answer is No, IF your company has 20 or more employees total (not necessarily on the plan). That's because in the case of 20 or more employees, your company plan pays first, then Medicare. In a 19 employee or fewer company, then you should enroll in A and B because Medicare pays first
is not necessary unless you are on a employer coverage group of 19 or less. You might be able to save more money if you go on Medicare. One of our license agents will be able to compare your current employee plan and the Medicare plans available in your area. Give us a call at 800-864-8890
Great but how do you save if you get a base rate because when you got the F plan you got it because of your medical situation when you signed up. This is bad news for many people on an F plan.
JUST FOUND YOUR CHANNEL AND WOULD LIKE TO KNOW ABOUT --PLAN ''J''---I AM ON THIS PLAN (AARP)????? I HAVE BEEN ON THIS PLAN UNITED HEALTHCARE FROM AGE 65---I AM NOW 81--.
Yes, these plans are available in all 50 states and can vary in premiums and enrollment eligibility. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
HDG is better than Advantage and has the best incentive to stay healthy to avoid the deductible and the medical industry. G and N have much less incentive.
PROBLEM: If you have been on Plan F for many years and now have diagnosis like diabetes, rheumatoid arthritis or take certain medicaions there is no way you are passing underwriting to get a G or N plan.
I really feel it should be noted whenever you do these comparisons that the copays for Plan N can be paid with an HSA if you have one. This alone could make a big difference when deciding whether G or N is right for you.
You are highly prejudiced for plan g and n. Plan f is no longer an option if you are already enrolled, as you pointed out. Some people want lower payments per month and are willing to accept the risk. Also some are pretty healthy and don't want to use traditional medical interventions. I prefer alternative medicine, for myself. Insurance doesn't pay for that.
Alternative medicine won't help if you need surgery to fix an ailment. That would require decent healthcare coverage. Preventing cancer mostly can be done by not smoking, excessive alcohol consumption, and eating fruits and vegetables. Traditional Medicare with a supplement is the way to go. medigap plan F which is no longer available to new enrollees, and the current most comprehensive plan G are not a good value for most people. If you want a comprehensive plan medigap N is the way to go. If you want a catastrophic plan and self insure or live in Florida and NY were the rates are high HDG is your best option. Stay AWAY from (dis) advantage plans!
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I've been on Medicare for 20 years (I'm disabled). How does that change your response (about needing to be born before 1955).
When I first signed up for Medicare F was still available, and was very tempting, especially since I knew that I would be grandfathered in. But then I did the math! The premiums would have been higher, over the course of a year, than if I got the G AND paid the Part B deductible! Didn't make sense! I got the G and never looked back!
Are you scared of N ? Because of excess charges..?
The insurance companies are criminal, I did the same for the mom
Chose plan g
We the people want to thank u for ur time for this very special info u have saved a lot of us thank u thank u please share this 😊😊
I have Medicare and Tricare-for-Life because my husband was career military, retiring as a USN Chief. The military pays for this supplemental policy in full. Tricare-for-Life is essentially an F plan, paying for everything. I pay no premiums except that for Medicare A and B, and no copays-for life. Our military pay and retirement may have been low, but our medical care is great.
Hi Marvin, I have watched your videos before, during and after open enrollment for educational purposes. We’re never too old to learn something new! 😊
One thing I wish was covered more in depth in one or more of your videos is the underwriting process when attempting to switch plans.
I have always had Plan F and the premium has gone up steadily over the years; currently at almost $300/month.
During this last open enrollment I really wanted to switch to Plan G. After doing my own research it quickly became apparent that no insurance company would want me because since I started my Medicare coverage I have had back surgery, a heart attack and have been diagnosed with Chronic Kidney Disease. So, I am thankful to have Plan F with its full coverage.
Thank you for all the education you provide and for breaking Medicare down into layman’s terms.
I am 65 so the plan F does not pertain to me, but I love these videos so much I have to watch. I have been plan "G" after numerous watching's. But plan "N" is intriguing as to the difference in premiums. Still working, not on Medicare yet so every video has it's purpose, even if it is just to past the time as this site is over the top awesome! So grateful for them.
I have plan G and just had a $292,000 hospital bill. I am glad to pay a monthly premium.
I'm 78 so I was on plan F for several years and I loved it. But like anything, the insurance companies rob patients blind so the CEO's can make millions and refuse patients. Remember a CEO who was shot in the back because not only was he greedy but "Delayed and Denied" claims which turned out "Deposed" for Brian Thompson. And of course the insurance agents have to get their share as well. If we had Universal Health Care like almost every other country though we may have to pay extra taxes we wouldn't have to go through this stuff with greedy insurance companies.
How nice of them to decide that people shouldn't be able to pay for a plan that covers everything! It's like sacrilege to them
Please do a presentation for federal employees. I work for The USPS and I am told next year I have to sign up for the Advantage plan which I don't want.
Just find a good Advantage plan. The one I have is terrific.
Perfectly explained and illustrated. Thank you for all the clear complete information you provide about a subject so vivid to everyone over sixty-five.
Marvin, you've said many times if you start with an advantage plan you may be stuck when trying to go to a supplemental plan later. So if people on plan F are wasting money, can they easily switch to another supp plan w/o underwriting expense and med history scrutinization?
In many states, you can't switch to a different Supplement without being subject to underwriting. So you can often be stuck with whatever supplement you initially enrolled in.
Very true all states require underwriting except three states
I've had cancer twice now and can't get approved for any G plan that's cheaper than my current payment.
I need help please. I’m on Plan F, I’m 75 . I just watched the “school” about Plan F being too expensive. How can I change two Plan G? 10:59
I am 72,keeping my F plan. I recalculated and compared both F and G and the savings are small and to me not worth loosing the piece of mind I have now. Even with constantly increasing premiums. Having good coverage is very expensive. I have health issues, not taking any chances in changing. Maybe if you are very healthy, feel comfortable you will remain relatively healthy? It’s a gamble. I thought I was healthy, till I had stage 4 cancer diagnosis. High prescription costs. Chemo infusions in clinic are covered under A or B of Medicare, but pill form targeted therapies are considered prescription, need to have prescription plan D with highest possible coverage, as each month medicine costs over 7k. I fall into tier 5 in the first month of the year! This is my 8th year.
If you can afford to keep your plan F, I would recommend you keep it. There is a reason insurance companies want to get people of plan F, making G look as good. I read the coverage and I personally feel there is some verbiage, ever so slightly different, possibly to be something left to being interpreted differently when one finds out they are not covered as they thought they would be. It’s only my opinion, based on what I looked at and understand.
Did you ask your insurance agent? I'm 78 and I didn't even have to ask. He recommended plan G for me.
Carriers in Montana closed certain books of business so to move down to Plan G, they have to be underwritten. It's not right, in my opinion. Any thoughts on that?
The better plans that save you money are the Advantage Plans!
@@martinmacek4187 Yup, until you need treatment or a referral. Then you'd better have deep pockets for copays and/or an understanding insurance company when you're begging them to get that specialized medical test. And don't forget the THOUSANDS of dollars for MOOP every year!! NO THANKS. I think I'll stay with Medigap.
Problem is to switch out of Plan F in Florida requires new medical underwriting. Thus an opportunity for the carrier to drop older people with a history of claims. I'm 71 with my rate based on 65 with my carrier. It would be great if I could switch to G like allowed in a few States.
Yes, but there's no harm in trying. As he says, make an application for a Plan G and if it doesn't get approved, then you haven't been harmed. Just don't cancel your Plan F until you've been approved for G. It's the same advice you're given for buying life insurance; never cancel your current policy until the new one's in place
@@gindie1How does Florida dictate a federal program?
My State (P.A.) doe not allow Excess chargers. Are we the only state that dont charge them cus no one talks about that . Thank you for letting us knew if you can. Thanks for the medicare school on line. we are 17 months away from medcare . Thank you for all the info.
Massachusetts does not allow excess charges either.
I heard the chance of getting charged an excess fee is highly unlikely?……
@@wayneguy6043 Yes, very unlikely. Some shrinks may charge them.
In Minnesota the excess charges are not allowed.
Who here has ever paid excess charges??….???
About 2-3% of doctors will charge them, mostly shrinks.
Me !when I had back surgery.
I have but they usually aren't much so I'm OK with it. I have to pay a deductible every year though even though I'm on plan G.
I am 77 years old with HMO, moved to another state, and changed to supplemental G
with help from Medicare school. I was struggling at first because I was not familiar with this supplemental G. until your team's helping and guided. G is a money saver for me. Thank you, Medicare School!
You're welcome! Thank you for leaving a review. If you need any additional assistance, please call our client support team at 800-864-8890. We look forward to helping you!
I opted for N it was over $50 less than G.
How about the 15% excess billing ? Not scared?
@@wayneguy6043 It's extremely rare and the true cost is less than 10%. Only certain doctors charge this, hospitals can't.
We have Plan N. My wife's monthly cost is $72, and my sister, who is one year younger than my wife, has plan G. She pays over $120 monthly. As long as my wife doesn't go to the doctor 4 times a month N is cheaper. Right now my wife sees her primary care doctor twice a year. Even when she needed open heart surgery she didn't exceed the difference in cost.
Thank you
Happy we can help, if you have any questions you can contact our office at 1-800-864-8890!
thanks again Marvin! I took N due to the "barrier" of copays which should route higher-cost users to plan G. I think N will not have as large of increases?
Of course, we're pleased that we can help. Thank you for sharing!
If you purchase an N plan and later want to go to G plan would you need to medically qualify or would there be a special process to do this?
You will have to medically qualify depending on what state you live in.
I’m in Massachusetts so I would need information on 1A plans.
Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
So, how much are the premiums for plan G? Not switching, but will be starting in the next year or so.
A Medicare supplemental plan G can cost anywhere from $99-$350 a month ,depending on the state. In most states it will be $100-$200. We would be happy to help you compare plans and help you choose the one that best suits your needs! Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Why he didn't explain HDG Plan? HDG plan has $ 2800.00 yearly deductibles including Plan plan B deductibles. HDG plan has less premium comparing to pan G.
Thank you this was very helpful
Does the N plan cover prescription medications? If not, is their a plan that covers parts A & B plus prescriptions?
Medicare Supplement Plan N does not include prescription drug coverage. If you're looking for coverage for both Medicare Parts A and B along with prescription drugs, you would need to consider a Medicare Advantage plan or a Medicare Supplement plan with a Part D prescription drug plan. Please see the link for our 1h workshop www.medicareschool.com/get-the-workshop-now?submissionGuid=ffef6dda-32b5-45ca-9145-d4085a6f367d
When you first started this video, I thought you were going to talk about FEHB BCBS Standard Option vs FEHB BCBS Basic. FEHB BCBS Basic rebates some of your Part B costs.
I don't think I heard this yet, approximately, how much the monthly premium of G and N?
Depends on your age, the state you live in and the rules for the premiums (age based or community based). I pay $155/month for plan N in WA state. Premiums here are community based by law. This means premiums can (and will) increase with inflation, but there is no age component. Plan G is about ~$50 more per month. F plans are $50-$70/month more than G plans, so there is no point in keeping an F plan. There is no health screening/underwriting in WA state if you switch between Medigap plans and/or carriers.
A Medicare supplemental plan G can cost anywhere from $99-$350 a month ,depending on the state. In most states it will be $100-$200. Usually a Supplement plan N will be $25 a month less than a plan G. Depending on the state it can cost anywhere from $75-$150 a month. Give us a call at 800-864-8890, one of our license agents and AHIP certified will be able to help you compare plans and educate you on Medicare.
@@MedicareSchool And that is before the premiums increase year after year. If these insurance companies like United Healthcare can make millions in profits than they can reduce our premiums. A bunch of crooks. UNIVERSAL HEALTHCARE!
Which states don’t have underwriting for plan G?
Connecticut, Maine, Massachusetts, and New York
New York is one there are two other states but can't remember sure you can find it online
None if you get it on day one
@@wayneguy6043 I think you mean ALL states don't have underwriting if you get it on day one (or within 6 months).
I can't change because of my Type 2 diabetes, so I'm staying on Plan F and I'm not worried about the cost. I planned for my retirement medical expenses and my previous employer gave us "retirees" a Health Reimbursement Account" (HRA) that covers about half of the premium. So it's all good! 🤔😎
I am 76, have always had F plan…my family history and the number of health issues and then a divorce made it a top priority…best choice for me and now S a stroke survivor….I will drop my car and homeowners before I will ever move off the plan …with all the inflation that prospect is knocking at the door!! Didn’t qualify for G plan 8 years before any stoke but I am content . I pay $65 more than my friend on a G plan….thanks for the terrific review of the supplemental system once again!!!
Does Medicare cover co-insurance?
Please comment. Is “coinsurance” just a deductible without a limit? Meaning, just crap they won’t pay for? And did it start after the Affordable Care Act just to make more money?
Co insurance has been around 20-30 years.
i have plan F high deductible and i don't think my rates are high. so what are the variables. i live in california. who is my plan group? isn't it geographically determined?
Rates are by zip code. And the determination whether your rates are high is basically a comparison with the other options: G, High G, or N
BS recently sent me a rate sheet comparison C,D,F, hi F, K. those were the only comparisons. G and hi G were not on there. i tried to find other comparison tables online, but I only found these. my region was one of the least expensive ones. @@gindie1
Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
What about those on an Advantage plan? Can they switch and is it a better value to switch?
Those on Advantage plans can switch to a different Advantage plan during annual and open enrollment periods, without underwriting.
@@g0989 thank you but that is not what I asked.
@@JohnSmith-ug5ci If you are asking if those on Advantage can switch to original Medicare with a Supplement, yes, but will be subject to medical underwriting for the Supplement, in most states. As for being a better value, it depends. If you use a lot of medical services, probably a better value to pay the higher premiums for a Supplement, and have lower out-of-pocket exposure. But Supplement premiums vary according to geographic location, letter plan, and age. The premiums can increase significantly annually, so you would need to budget for that.
Those on Medicare Advantage plans could switch to a supplemental plan during specific enrollment periods. However, switching may involve medical underwriting. Consider differences in coverage, costs, and provider flexibility before deciding. Give us a call to 800-864-8890, one of our license agents in your state can give you detailed information and help compare different plans in your area.
I turn 65 in September this year. Am i required to sign up for medicare even though i plan to retire at age 66 and 10 mth when i will receive full SS benefits? My employer currently provides Credible medical coverage.
If you have credible medical coverage through your employer when you turn 65, you can delay enrolling in Medicare without facing penalties. When you decide to retire, you'll have a Special Enrollment Period to sign up for Medicare without late penalties. Check with your employer to confirm coverage credibility and plan to enroll in Medicare when you retire, if you contribute to an HSA account you will need to stop contributing 6 months before signing up for Medicare. 1h workshop link www.medicareschool.com/get-the-workshop-now?submissionGuid=ffef6dda-32b5-45ca-9145-d4085a6f367d
Your employer has to have at least 20 employees as well.
I’m 65 plus(7) not in Medicare yet, Covered by employer’s plan. Is it necessary to enroll in Medicare ?
Check his medicare school site, has many covering the very question. It will be very clear to you after you view the videos.
Also compare the benefits. When my wife turned 65 she dumped her employer plan (even though still working) for Medicare and a G Supplement because the coverage was so much better. No more $3,200.00 deductible for one thing. That alone was huge!
I agree with the advice to watch his other videos. The quick answer is No, IF your company has 20 or more employees total (not necessarily on the plan). That's because in the case of 20 or more employees, your company plan pays first, then Medicare. In a 19 employee or fewer company, then you should enroll in A and B because Medicare pays first
is not necessary unless you are on a employer coverage group of 19 or less. You might be able to save more money if you go on Medicare. One of our license agents will be able to compare your current employee plan and the Medicare plans available in your area. Give us a call at 800-864-8890
Great but how do you save if you get a base rate because when you got the F plan you got it because of your medical situation when you signed up. This is bad news for many people on an F plan.
did anyone notice that "CUSTOMER SERVICE" has been transferred to an "OVERSEAS CALL CENTER" with one of the biggest insurance carriers⁉
JUST FOUND YOUR CHANNEL AND WOULD LIKE TO KNOW ABOUT --PLAN ''J''---I AM ON THIS PLAN (AARP)????? I HAVE BEEN ON THIS PLAN UNITED HEALTHCARE FROM AGE 65---I AM NOW 81--.
Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Is the G and N plan offered in every state and area?
Yes, these plans are available in all 50 states and can vary in premiums and enrollment eligibility. Give us a call at 800-864-8890 or schedule an appointment at www.medicareschool.com
Is C Plus with Blue Cross not a good option?
Yikes!
C is also an Advantage Plan, not a medical plan.
@@dcl8175 mine is a PMD. Not an advantage plan.
Doug_____ : EXPLAIN! 😮
HDG is better than Advantage and has the best incentive to stay healthy to avoid the deductible and the medical industry.
G and N have much less incentive.
PROBLEM: If you have been on Plan F for many years and now have diagnosis like diabetes, rheumatoid arthritis or take certain medicaions there is no way you are passing underwriting to get a G or N plan.
Unfortunately, this is correct. You would have to go through underwriting and most likely be denied. Unless you are in NY or MA.
I really feel it should be noted whenever you do these comparisons that the copays for Plan N can be paid with an HSA if you have one. This alone could make a big difference when deciding whether G or N is right for you.
So STOP DIVIDING The SHEEPLE and HELP US UNITE , to GET SAME “QUALITY HEALTHCARE” . Presidents/Congress people HAVE !
I see you use the "THIS" click bait in your title too.
You are highly prejudiced for plan g and n. Plan f is no longer an option if you are already enrolled, as you pointed out. Some people want lower payments per month and are willing to accept the risk. Also some are pretty healthy and don't want to use traditional medical interventions. I prefer alternative medicine, for myself. Insurance doesn't pay for that.
Alternative medicine won't help if you need surgery to fix an ailment. That would require decent healthcare coverage. Preventing cancer mostly can be done by not smoking, excessive alcohol consumption, and eating fruits and vegetables. Traditional Medicare with a supplement is the way to go. medigap plan F which is no longer available to new enrollees, and the current most comprehensive plan G are not a good value for most people. If you want a comprehensive plan medigap N is the way to go. If you want a catastrophic plan and self insure or live in Florida and NY were the rates are high HDG is your best option. Stay AWAY from (dis) advantage plans!
Just realize if you ever change your mind and later enroll in Medicare you could face hefty lifetime surcharges for not enrolling earlier.
@@gindie1 not choosing Medicare is just stupid. You paid for it your whole life. For part A anyway.
@@gindie1 I didn't say anything about not enrolling.