Best Medicare Supplement Plans for 2024 and 2023

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  • เผยแพร่เมื่อ 9 มิ.ย. 2024
  • www.abtinsuranceagency.com | (888) 465-9728 | What are the Best Medicare Supplement Plans? Medicare Supplement Plans are standardized, meaning the benefits of Medicare Supplement Plans are always the exact same, by letter. But pricing can vary. Today's video reviews the best Medicare Supplement insurance plans for 2024 and 2023, going over how to find the best plan for your specific needs, how to obtain accurate Medicare Supplement rate quotes, and how to compare Medicare Supplement Plans to $0/month Medicare Advantage Plans.
    Medicare Supplement Rate Quotes (accurate and FREE): www.abtinsuranceagency.com/me...
    Comparing Plan G vs Plan N: • Plan G vs. Plan N Medi...
    Medicare Advantage Plans Explained: • What is Medicare Advan...
    Medicare Advantage Pros and Cons: • Medicare Advantage | P...
    Medicare Excess Charges Explained: • Medicare Part B Excess...
    Medicare Explained: • Medicare Explained (20...
    Call us for FREE no obligation quotes and assistance. Let us help you navigate the best plan (at the best price) for your needs. (888) 465-9728
    0:00 Intro
    0:16 Who is Stephanie?
    0:31 What You Will Learn

ความคิดเห็น • 350

  • @AbtInsuranceAgency
    @AbtInsuranceAgency  ปีที่แล้ว +14

    Do you think your plan is the "Best?" Or maybe the "Worst?!" - Share below! ⬇

    • @James-ol6rw
      @James-ol6rw ปีที่แล้ว +4

      My Medicare plan is plan f. No disappointments at all. Complete coverage every time with AARP co insurance.

    • @Retiredmco
      @Retiredmco ปีที่แล้ว +4

      @@oldgoat50 Medicare DIS ADVANTAGE LoL 🤣😆🙃

    • @tacticaltruth8118
      @tacticaltruth8118 ปีที่แล้ว +1

      @@James-ol6rw What is AARP co insurance?

    • @James-ol6rw
      @James-ol6rw ปีที่แล้ว +4

      @@tacticaltruth8118 I guess I was wrong in my comment. I got supplementary insurance through AARP with Hartford. This covers what my Medicare does not. I have not had to pay for any health care costs, including a night in hospital over heart issues and a number of tests including cat scan and mri. Also, new arthritis care with cat scan, X-rays and physiotherapy, without any out of pocket. Cost, $220.00 month over Medicare. Age, 69, now 70 years old.

    • @tacticaltruth8118
      @tacticaltruth8118 ปีที่แล้ว +2

      @@James-ol6rw Thanks. Your comments are helpful and appreciated.

  • @MrSoccerpues
    @MrSoccerpues 27 วันที่ผ่านมา +1

    I just subscribed and thank you for the video, very useful.

  • @T18skyguy
    @T18skyguy ปีที่แล้ว +13

    Great video Stephanie. I've worked in hospitals all my life. Most people don't know that when you get admitted to a hospital, you sign a big stack of forms. Nobody really reads them, but one of those forms is permission to put a lien on your home. So if you have no insurance, or inadequate insurance, it can force the sale of your home or lead to medical bankruptcy. Choosing the right plan is more important than ever. Those hospitals get their money one way or the other.

  • @lidyanaredeemed9848
    @lidyanaredeemed9848 ปีที่แล้ว +1

    This really great explanation! Thank you!

  • @The73275
    @The73275 ปีที่แล้ว +3

    Bravo Miss, well explained in easy to understand terms

  • @thebossofmykitchen
    @thebossofmykitchen ปีที่แล้ว +6

    My husband wanted to switch from his HD plan F to the regular plan F. He mistakenly enrolled in plan G and called to see if he could switch and was told no. Once he selected plan G it was a done deal. They weren't exactly clear if it would have been even possible to do it. They just said once a selection is made that is it. I was upset but after listening to your video, I am happy he made that mistake because his premium would have probably risen at a substantially higher rate. Thanks!

  • @jhors7777
    @jhors7777 ปีที่แล้ว +2

    Thank-you for posting this helpful video!

  • @teams3345
    @teams3345 ปีที่แล้ว +5

    Great video. I am exactly three years away but trying to get educated. I am under a company provided plan for the next three years as a retiree (early).

  • @shawshankredemption29
    @shawshankredemption29 ปีที่แล้ว +1

    You are God-sent! I am going to call your number early Monday bc I don't think you are open today, Saturday. I ( like many others here) get very confused when it comes to choosing health care. I thought I had straight Medicare but found out last week that I have a Medicare Advantage plan. I don't recall signing up for Medicare Advantage, in fact I specifically told that to my insurance agent. I need to change to straight Medicare but have been trying to understand some videos and I pick up on some things but it's way too much information for me. Then this morning I found this video and gave myself some slack. Maybe it wasn't my slow brain but the presenter's style of presenting. I was able to follow you so much better.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      I am so happy to hear that and look forward to hearing from you!

  • @skoopqueen
    @skoopqueen 9 หลายเดือนก่อน +13

    • @Alexedmartin.
      @Alexedmartin. 9 หลายเดือนก่อน

      How do you invest skoop?

    • @brendaforster9059
      @brendaforster9059 8 หลายเดือนก่อน +1

      Most people have money for a reason but comments like this completely rub the normal working adult to want to puk at the bragging BS

    • @skoopqueen
      @skoopqueen 7 หลายเดือนก่อน

      okay Martin, so generally speaking, investing calls for more knowledge. For this reason, it's crucial to have a strong support system (financial counselor) to lead you through, particularly while choosing assets. I work with (REGINA LOUISE COLLARO) a registered wealth manager and investment advisor. For the record, it has been the best experience for my finances. You may have heard of her because of how well-known her services are.
      She helped me become financially solid through investment, and now I profit from her passive income strategies on a monthly basis.Therefore, I'll suggest that you choose a reliable investment advisor for yourself.

    • @Alexedmartin.
      @Alexedmartin. 7 หลายเดือนก่อน

      Thank you for your advice. It's challenging to find a reliable investment advisor, and I appreciate your input. Seeing the successes you've achieved through investing, I would love to have access to your investment advisor's information if you wouldn't mind sharing it.

    • @skoopqueen
      @skoopqueen 7 หลายเดือนก่อน

      Regina Louise Collaro is based in the United States and can work with anybody wherever they stay. If you would like more information on reaching her, you can conduct a search online.

  • @gilbd
    @gilbd 10 หลายเดือนก่อน +1

    Very Good presentation - Thank You.

  • @kycheryl
    @kycheryl 10 หลายเดือนก่อน +1

    Very informative. Thank you.

  • @AndyB718
    @AndyB718 ปีที่แล้ว +3

    Plan G in NY $271 but its peace of mind..
    AARP united Healthcare was best for prescription drugs in my case.

  • @randyrucker4346
    @randyrucker4346 9 หลายเดือนก่อน +1

    Very informative and clear. Definitely will subscribe. Thanks again.

  • @billallen3696
    @billallen3696 ปีที่แล้ว

    Hi. Nice job. I would like to know if the doctor's office administered osteoporosis drugs like Evenity and Prolia are covered under Medicare part B. Thanks.

  • @kathylawrence6855
    @kathylawrence6855 ปีที่แล้ว +2

    Very important information!

  • @nicholasgabriel4073
    @nicholasgabriel4073 ปีที่แล้ว +1

    That's exactly what I needed to know. Thanks.

  • @lionelpatterson1436
    @lionelpatterson1436 11 หลายเดือนก่อน +2

    You're good to listen to you don't get no big hurry and understand everything you say

  • @estrellasoriao1655
    @estrellasoriao1655 ปีที่แล้ว +1

    Thnak you for the informatiomn

  • @gadzilla3173
    @gadzilla3173 ปีที่แล้ว +3

    Your videos are not only the best, they're the only ones I trust. I've referred you to several friends who, like me, are turning 65 this year Thank you for your work!

  • @Retiredmco
    @Retiredmco ปีที่แล้ว +1

    Stephanie Great video, HDG deductible is 2700 for 2023.

  • @denzelle1547
    @denzelle1547 ปีที่แล้ว

    Could you explain MSA?

  • @escapeearth2327
    @escapeearth2327 ปีที่แล้ว +3

    You’re awesome, you made this whole thing so simple and understandable! First time watching your video!

  • @RFKPeaceNIK19
    @RFKPeaceNIK19 ปีที่แล้ว +1

    Stephenie is a top notch Health Insurance consultant.

  • @michaelrust7614
    @michaelrust7614 ปีที่แล้ว +1

    Do you have a video comparison of G vs High G?

  • @janaclark
    @janaclark ปีที่แล้ว

    Thanks for breaking it all down so clearly. I’m curious how you make your living as you must receive money from the supplemental/advantage plan carriers and would you be biased if you got paid more by one or another of them?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      I do cover that here - th-cam.com/video/DBwUb_QfaB0/w-d-xo.html 😬

  • @MJM1309
    @MJM1309 ปีที่แล้ว +2

    Thank you you answered one question I had. Can you switch between Supplemental plans without having to answer these questions 3 for coverage. I'm in IN and not sure if it applies here or not. I have UHC AARP SUPPLEMENTAL PLAN G going into my 3rd year in Jan 2024. Is this the best or is there a better plan without having to answer these questions 3. Thank you Stephanie. Can you expand on what IN offers

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  7 หลายเดือนก่อน

      Please contact me directly for more information! 888-465-9728

  • @user-lk1hv8mt9y
    @user-lk1hv8mt9y 8 หลายเดือนก่อน +1

    Awesome content. Quite interesting and very useful. Thank you for sharing this wealth of information. Thanks for the great watch.

  • @massiemokhtari9034
    @massiemokhtari9034 ปีที่แล้ว +1

    Thank you for all your advice. Can you get a supplemental plan like G in California without the medical underwriting after getting it the first time while new to Medicare?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Yes! And we would be happy to help review state specific considerations as you choose a plan. 888-465-9728

  • @SPORT2932
    @SPORT2932 10 หลายเดือนก่อน +1

    You do a wonderful job!

  • @daveanddianethrowingcautio5707
    @daveanddianethrowingcautio5707 ปีที่แล้ว +1

    Are there any plans that are best for people that travel the USA most of the year and not really in one spot very long?

  • @mylifeexperiencebystephani6989
    @mylifeexperiencebystephani6989 ปีที่แล้ว

    how much monthly premium will i pay for the medicare supplement plan N with vision, hearing and dental. can i used this if i will be in other counties loke Asia or Canada.

  • @judy23downs42
    @judy23downs42 ปีที่แล้ว

    I am needing to pick a plan as I turn 65 next month and although I need eye, dental and prescription I’m not enthused about Medicare advantage

  • @judy23downs42
    @judy23downs42 ปีที่แล้ว +1

    I’d like to know what does c cover and would it be a good choice

  • @nagarajarajan5979
    @nagarajarajan5979 ปีที่แล้ว +1

    Nice work

  • @PamSmith-ih5zk
    @PamSmith-ih5zk ปีที่แล้ว

    Do I need to have a supplement plan. how do I switch from kaiser to a medigap supplement plan

  • @James-ol6rw
    @James-ol6rw ปีที่แล้ว +1

    Excellent video! Thanks. Ps. How do you keep your teeth bright white? Beautiful!

  • @danieldesimonedanny1827
    @danieldesimonedanny1827 ปีที่แล้ว +1

    I'm 67 and a survivor of a covid back in the day and saved by a antiviral med...all antiviral meds where dismissed on covid 19 by our government & medical community. Sorry part A for me only.

  • @godsgrace5777
    @godsgrace5777 ปีที่แล้ว +11

    I am completely lost when it comes to choosing what plan would be best for me.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +3

      That’s where we can help! Call us at 888-465-9728. 🙂

    • @AndyB718
      @AndyB718 ปีที่แล้ว

      Don't be because it boiles down to Good Medium and weak plans.
      Pay up front just in case or pay alot more if something happens

    • @kathycollins2836
      @kathycollins2836 ปีที่แล้ว +1

      Me too 😔

  • @ckstaff
    @ckstaff ปีที่แล้ว +1

    Big question I need answered is I am Diabetic and take 2 different insulins per day. What parts cover insulin costs and is it true that insulin is capped at $35? Insulin is very expensive, my Libra blood monitor is also $140 per month and I average at least 2 doctor exams per year. I am just getting signed up as I turn 65 in December. I am leaning towards supplemental plans over Advantage plans.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +1

      Those are very good questions. Insulin is covered by Part D generally and different plans cover different types of insulins at the $35 cap.
      We would be happy to help you do a complete Part D and Medicare Supplement Plan review to help you find the best coverage at the lowest price - and our service is 100% free. Give us a call at 888-465-9728 🙂

  • @DonnaKatoArt
    @DonnaKatoArt ปีที่แล้ว +3

    I’m on Plan G. Was going to switch to N but didn’t like the idea of having to check out each doc to make sure they accept Medicare assignment (my state allows excess charges and what happens if an emergency comes up and I can’t check?). Plan High G actually makes more sense than Plan N to me, in that regard. At least with High G, I know I’d be out of pocket under 3k and once the deductible is met, I’d have Plan G! Plan N is a ? To me.

  • @otrotland5377
    @otrotland5377 ปีที่แล้ว

    I am 64 turn 65 in June. I currently work at a University using their health plan. I have to work till I am 72 in order to retire and thus keep their health insurance. Due to health problems since getting covid w/ pneumonia. I am not sure if I can make it for another 8 years.

  • @annlynch593
    @annlynch593 ปีที่แล้ว +3

    I live in Massachusetts. Are medigap plans allowed here? All I see is plan 1 and 1 A. We both start Medicare in May and June of 2023.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      The rules are a bit different in your state - this explains more: www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies/medigap-in-massachusetts

  • @noblerare
    @noblerare หลายเดือนก่อน

    Hi there, your videos have been so helpful to us in our search for the right supplemental plans for Medicare. We have one question: if we plan to move within the next five years (to be closer to family), will we need to buy another supplemental plan in the state that we move to (Hawaii to Pennsylvania) or can we keep the same one? We're trying to avoid having to go through medical underwriting if possible. In other words, is the supplemental insurance that we purchase tied to the state that we live in?

  • @pcasciaro
    @pcasciaro ปีที่แล้ว

    I am a disabled survivors benefits person. I have just started to have the plan being and being charged $179.00 or so each month now. Started last month. I have medicaid with this but I know in a few years I won't 62. Plus I know it won't be easy to get a cheap type g supplement plan at that time. My income is not very high at all so I want to keep the prices down.

  • @carrdoug99
    @carrdoug99 ปีที่แล้ว +2

    How about an in depth comparison between HD plan G & plan N.

  • @jeromes58
    @jeromes58 ปีที่แล้ว +1

    Before I call in, who covers your cost to provide this assistance?

  • @jboy1757
    @jboy1757 4 หลายเดือนก่อน +2

    Be nice to see a supplemental g vs high deductible g supplement; pros/cons

  • @HermanLynchJr
    @HermanLynchJr ปีที่แล้ว +3

    Why does no one talk about the actual Medigap (supplement) companies? I’m going to go with original Medicare with a Plan G supplement and trying to choose which company. I know all the supplements plans are the same across all companies (since it’s required by law) but how do the various companies compare for things like rate increases, customer service, etc?

  • @-myal-8691
    @-myal-8691 ปีที่แล้ว +2

    Stephanie,
    If a person age 65 or older with employer coverage is unexpectedly laid off or loses their job, can they immediately enroll into Medicare without a gap in coverage? Wouldn't they have to provide Medicare and/or a supplemental insurer with credible proof of coverage to qualify for coverage without underwriting or lifetime penalties?

    • @palady1486
      @palady1486 10 หลายเดือนก่อน

      Great question...my husband is going thru this right now. I was hoping that they would of answered you. I am researching this myself to understand and its very time consuming. These videos do help and I've called to talk to Medicare (long wait times).

  • @sharonshapiro790
    @sharonshapiro790 ปีที่แล้ว +1

    How does a grandfathered plan J benefits compare to the current plan G?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Plan J covered some Rx benefits before Medicare Part D was signed into law. Right now, the main difference between Plan J and Plan G is coverage for the Part B deductible. Plan G does NOT cover it, and Plan J does. This deductible is $226/year in 2023.

  • @dirtroadsailing6418
    @dirtroadsailing6418 ปีที่แล้ว +3

    I live in Tennessee and the difference between a Plan G and a Plan N is about $10 a month. For $10 I'm not going to bother with a Plan N.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +2

      In some areas where Plan N is $40-$50/month less than Plan G, it becomes a better value.

    • @rosenealon8480
      @rosenealon8480 ปีที่แล้ว

      Plan G premiums will increase more each year than plan N that the healthier people are chosing. It will be an even better value going forward as the sicker "guarantee issue" people take Plan G.

  • @whitneybrown7457
    @whitneybrown7457 ปีที่แล้ว +3

    You are very helpful. Thank you. We are moving from LA to KY and want to get away from Advantage plans. We travel, or intend to travel, a lot. I don't like being limited to only one state. I recently reviewed Medi-Share and do not think that is a good plan either. I will be contacting your agency. Thanks again for the info. Both of us were insured in Medicare prior to 2020.

  • @MrJt3451
    @MrJt3451 ปีที่แล้ว +1

    thank you for your video it helps
    i have become disabled and qulaify for medicare soon and am so confused question 1 i am in nys do can you work with me. question 2 what if i decide to go to florida full time or part of the year what happens then thank you i am going to watch some of your other videos

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      We are licensed in NY and FL and would be happy to help! 888-465-9728

  • @samanthaboodram6849
    @samanthaboodram6849 ปีที่แล้ว

    Does Aetna covers Mounjaro

  • @dbentley2195
    @dbentley2195 ปีที่แล้ว +3

    Yes I am a supplement holder. My question is do they offer any help for us in the way of grocery cards or help?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +1

      The grocery benefit you see advertised on TV etc is often deceptive. This is a rare benefit found only on certain Medicare Advantage plans in specific areas. Not Medicare supplement plans.

  • @geomaganix5711
    @geomaganix5711 ปีที่แล้ว +3

    Hello Stephanie, Quick question. When verifying my earnings record should I look at just the last 35 years or all the way back to my first earnings in the 1970's? My last 35 were my best and make up my highest earnings, so I do I really need to look at those lower early years? Thanks I follow your channel and will be retiring early next year. Ed

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  7 หลายเดือนก่อน

      Medicare looks at your income from 2 years ago for IRMAA purposes!

  • @sndygskylr
    @sndygskylr ปีที่แล้ว +1

    Ahh, listening to a 2022 for 2023 plan. I am so excited to listen today 11/2022! Thank you soo much for your videos. I AM CALLING YOU TOMORROW!😊

  • @FollowScripture
    @FollowScripture ปีที่แล้ว +1

    Thank you very good information ...Where are you located?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Austin TX. But we are licensed in and service 46 states!

  • @kathynguyen7938
    @kathynguyen7938 ปีที่แล้ว +1

    Please explain about part D, it more important too. Thanks

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      I have many videos about this on my channel, with more to come!

  • @johnt5845
    @johnt5845 ปีที่แล้ว +1

    I was rejected for my IRRMA request based on work stoppage. They stated my 2020 was over the limit but I’m retired and my wife just retired this past June. What are my options going forward? Carter was helping but I feel overwhelmed at this time and could sure use some directions. Thanks Stephanie.

  • @maryflanagan7424
    @maryflanagan7424 ปีที่แล้ว +1

    Thanks so much. I plan on giving you a call in the next month or two about my needs. Thanks for your relaxed, easy to understand discussion of the merits of the different plans.
    Mary Jane Flanagan

  • @kathycollins2836
    @kathycollins2836 ปีที่แล้ว

    Hi Stephanie , am so confuse & frustrated it looks like I may have run out of time on my enrollment today is the 7th and I was turned 65 in October and was enrolled in my medicare part A Part B but do I have any extra time to size the deadline today to pick something I mean they say in December 7th is the deadline so does that include me cuz I am new to this and I'm not in no plan yet ,i meant to say do I have EXTRA Time to Decide on a plan ,SS started taken $170 out from my check in Oct -$ 803 -leaving me with $633. So am not going to be able to afford much , SSA pick a Part D -drug coverage for me ,cause I didn't pick my own, it was Aetna drug plan. But when I do chose a plan & I want to have the drug plan that is offer from the choice I choose from a company beside Aetna ,what do I do about the Aetna card that was sent to me ? Looking for anwesers 😢--- Please please help 😏😞

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      If you are new to Medicare then the Dec 7th deadline doesn’t apply to you.

  • @ggjr61
    @ggjr61 ปีที่แล้ว

    Not so standardized in MN. At least when comparing to other states with the possible exception of WI.

  • @judithroberts6136
    @judithroberts6136 ปีที่แล้ว +1

    When should a person talk to a specialist to prepare for signing up for Medicare before turning 65? 6 months? 3 months before? Thank You for the information.

  • @rossbenavides72
    @rossbenavides72 ปีที่แล้ว +2

    Clear, concise, relevant discussion. Thank you very much!! I am in HD Plan F, but may explore Plan G and N after I watch your G vs N video.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Thank you! Please call my office anytime for free assistance 😊

    • @myeyeondetroit2670
      @myeyeondetroit2670 ปีที่แล้ว

      Can't get that F plan back once you leave it, think about that before you do it, the only reason you have it now is because you're grandfathered in, it is not available to anyone who doesn't have it now.

    • @myeyeondetroit2670
      @myeyeondetroit2670 ปีที่แล้ว

      @@AbtInsuranceAgency On the graph you used in this video Plan C shows equivalent to plan F except it doesn't pay Part B excess charges, I think it's a mistake on the graph, I'm pretty sure that we don't have any Medigap plans that pay the part B Deductible since plan F is not available to new people anymore. I'm also a Licensed Benefit Advisor and I love your videos I just don't think you noticed that because if that were the case I would be signing up for a plan C when I age in in Feb. Have a great day, I was watching because I was trying to decide between a Medigap and a MAPD. Have a great day!!

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      @@myeyeondetroit2670 plan C and Plan F are not available to Medicare beneficiaries who became eligible for a Medicare on or after jan 1st 2020. They are still available for those who were eligible to Medicare prior.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      @@myeyeondetroit2670 it is still very much available for anyone who was eligible for Medicare prior to 2020.

  • @kathyd7374
    @kathyd7374 ปีที่แล้ว +1

    My husband is on my health plan at work. He is 3 years younger than me and we will both be going on medicare next May when he turns 65 and I will have turned 68.. I enrolled in Medicare when I turned 65 and they have me listed as having health care through my job. Will I have a problem getting the medigap plan I want and will I have to go through medical underwriting? (I'm thinking plan N as I don't go to the dr and no medications - yet) Thank you for your informative video!

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Did you enroll in Medicare both Parts A and B?
      If so, and you plan to retire next year at age 68 you would be able to get Plan G “guaranteed issue” if you turned 65 in 2020 or later, and in most states Plan N would be medically underwritten. So, your eligibility for Plan N will depend on your health.
      If you have delayed Part B then you can get any Medicare Supplement Plan, since you will be new to Part B upon retirement.

    • @kathyd7374
      @kathyd7374 ปีที่แล้ว +1

      @@AbtInsuranceAgency I only enrolled in part A and delayed part B so I can get plan N!

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      @@kathyd7374 great! Please call us anytime, we would be happy to help!

  • @diannej4070
    @diannej4070 ปีที่แล้ว +1

    I like these videos, but wish you were more clear that choosing a medigap plan at age 65 is not just for now, but the rest of your life. What percentage of applications are rejected or have increased premiums when attempting to change plans. When selecting a plan at age 65, one should think about health needs at age 85.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      08:49 I do discuss that and try to emphasize how important it is to choose wisely when you first enroll. You are exactly right.

  • @user-kd6rs1fy6v
    @user-kd6rs1fy6v 11 หลายเดือนก่อน +2

    Excellent Videos. I've watched several so far and would like to know if you are Licensed in South Carolina? If so I would like to call and discuss you Help with choosing a Plan.

  • @silver6054
    @silver6054 ปีที่แล้ว

    Even if F is available to you, does it now ever make sense? I got the impression that the rate difference between it and G is going to be more than the Part B deductible (which you might never need to pay)

  • @arelidelong1188
    @arelidelong1188 ปีที่แล้ว

    Hi Stephanie, I have a question. Do I have to have the Medicare card with plan A and B before getting a supplement plan? 🌹🌸🏵

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +1

      No, you do not! Please give us a call, we would be more than happy to help. 888-465-9728 🙂

    • @arelidelong1188
      @arelidelong1188 ปีที่แล้ว

      @@AbtInsuranceAgency Thank you, I'll!!! 🌹🌸🏵

    • @-myal-8691
      @-myal-8691 ปีที่แล้ว

      @@AbtInsuranceAgency Now I am confused. I thought A & B were requirements before enrolling in a supplement such as Plan G. If you are not required to have both Plan A & B to get a supplemental plan, why would anyone bother paying for Plan B? Will the supplemental Plan G cover everything Plan B would otherwise cover?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      @@-myal-8691 good question. You do need to have both parts A and B active in order to get a Medicare Supplement plan. However you do not need to have your Medicare card FIRST in order to apply for a Medicare Supplement plan. Many people will enroll in A and B, and then have to wait up to 6 weeks to receive their Medicare card in the mail. You can apply for a Medigap plan prior to receiving the card in most cases. I hope that helps to clarify!

  • @brookstorm9789
    @brookstorm9789 ปีที่แล้ว

    Can you switch back from Med advantage (Humana Gold) to Medicare with supplemental without much paper work?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Yes, but in most states you will need to answer health questions to medically qualify. Please call our office for more information! 888-465-9728

  • @dantemele1894
    @dantemele1894 ปีที่แล้ว +30

    If you want to truly understand Medicare to make good choices then this is the channel. Not only is Stephanie a true subject matter expert, but she also explains complex topics in language you can understand. I worked with her agency to obtain a great supplement plan and drug plan. Thanks Stephanie for these valuable videos.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +1

      Thank you so much! We are delighted to be working with you.

  • @davidelcess6559
    @davidelcess6559 ปีที่แล้ว

    Hello love your pod cast.. ok I just got approved for my disability SSD a week ago so I’m trying to figure out what plan? I just received my Medicare card.. I listened to your pod cast on which plan is best but I still have questions.. is there a number to call???
    Thank you

  • @judy23downs42
    @judy23downs42 ปีที่แล้ว +1

    What about plan c it looks very similar to plan f

  • @bettymenchaca7646
    @bettymenchaca7646 ปีที่แล้ว +1

    I’m under plan N with your company, am I able to change to another company under plan N if it offers a lower rate than what I’m paying now?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Yes, you can change Medigap plans at ANY time of the year, pending medical underwriting. I'll have the team reach out to you Betty!

    • @bettymenchaca7646
      @bettymenchaca7646 ปีที่แล้ว

      Thanks

  • @Ke-qv3md
    @Ke-qv3md ปีที่แล้ว

    What is the difference between Plan D from plan N. What is D all about? Also if I started in Nov 1 2022. So do I have until April 30 2023? To change my mind

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Yes, you have 6 months in your Medigap open enrollment period. Plan D is like Plan N, without the co-pays. Pricing and availability varies by area. Call us for more information! 888-465-9728

  • @kathypalermo1186
    @kathypalermo1186 หลายเดือนก่อน

    Once you pick a letter like plan G, (I know that if you want to change you'd have to go thru medical underwriting, but can you ) each year can you switch the company that you get the insurance from for lower rates?

  • @adisuwanichkul7541
    @adisuwanichkul7541 ปีที่แล้ว

    You mentioned that you could only change plan within 6 months that you became eligible. For me, I went with Medicare Advantage plan this year and an agent told me in 2020 that I could change back to traditional medicare within the first year on Medicare Advantage plan. Is it 6 months or is it 1 year in my case? Thank you.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Up to 6 months from your Part B effective date is your Medicare Supplement "Open enrollment period". Some people may also qualify for a "Trial Right" to leave their Medicare Advantage Plan and get a Medicare Supplement Plan within 12 months of joining one, if they meet specific criteria -www.medicare.gov/supplements-other-insurance/when-can-i-buy-medigap/guaranteed-issue-rights

    • @adisuwanichkul7541
      @adisuwanichkul7541 ปีที่แล้ว +1

      @@AbtInsuranceAgency Thank you. I also sent you the email and will wait for further help there. Thank you!

  • @joyfulliving5157
    @joyfulliving5157 ปีที่แล้ว

    Hi Stephanie, I’m asking for a friend who signed up for Medicare B and turned paperwork into Social Security office. Well she hasn’t gotten her Red & Blue card. They told her their was a glitch and it’s held up in payment control. What happens if they don’t process in time? Thank you so much for your comment!!

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +1

      Even if the processing is delayed they will typically grant you the effective date you wanted, retroactively. Keep calling to check on it!

    • @joyfulliving5157
      @joyfulliving5157 ปีที่แล้ว +1

      @@AbtInsuranceAgency Stephanie thank you so much for your response!

  • @JohnsonWhat28
    @JohnsonWhat28 ปีที่แล้ว +1

    I am already enrolled in a plan f but the premium is getting very high! Would I speak to you about switching to a plan G or N??

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Yes, that is exactly what we help people with! 888-465-9728

    • @m.b.g.2235
      @m.b.g.2235 ปีที่แล้ว +1

      @@AbtInsuranceAgency ... That's my issue. I've been on Plan F and the premium is getting higher. Also for Plan D. I did look into an Advantage plan but I'm unsure about that

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      @@m.b.g.2235 give us a call, we would be happy to assist!

  • @jaye8872
    @jaye8872 ปีที่แล้ว +1

    Can you tell me which Plan G is the best to buy in NJ? All of them on the SSI site have the same warning that the rates are low for younger ages but go up as you age. Please advise.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      Please give us a call at 888-465-9728. We would be happy to review this with you in more depth!

    • @jaye8872
      @jaye8872 ปีที่แล้ว +1

      @@AbtInsuranceAgency Thanks I will be calling when I get my Medicare B card . I just applied online , it will start in September. Your videos are awesome!

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      @@jaye8872 looking forward to it! 🙂

  • @ip4265
    @ip4265 ปีที่แล้ว +1

    Stephanie, thank you for the great presentation! Question: do all carriers of Medigap plans have nationwide presence? What if you later move to another state where the carrier is not available, do you have to go through underwriting to chose another carrier? What if you fail for health reasons?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +5

      Your Medigap Plan is guaranteed renewable for life. This means that as long as you continue to pay your premiums, you can keep your plan forever, no matter where you live/move.

    • @gloriaescano2417
      @gloriaescano2417 ปีที่แล้ว +1

      @@AbtInsuranceAgency wherever you live anywhere in the world? Thanks

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +2

      @@gloriaescano2417 yes as long as you pay your premiums your plan will always renew.

    • @gloriaescano2417
      @gloriaescano2417 ปีที่แล้ว

      @@AbtInsuranceAgency Thank you for the info.

  • @escapeearth2327
    @escapeearth2327 ปีที่แล้ว +1

    Also I just subscribed

  • @Boatman-fe2tb
    @Boatman-fe2tb ปีที่แล้ว

    Do I have to close out my supplement that I have now to enroll in a new one?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      We can help with that! We recommend applying and moving through underwriting FIRST. Call us at 888-465-9728.

  • @scottcarlson5424
    @scottcarlson5424 ปีที่แล้ว

    I start Medicare in December when I turn 65. Our 2021 tax return was a one-time high blip that appears to put us in the irmaa increased rates. My question. In February of 2024 my 2023 taxes will be finished and both our 2022 and 2023 will be under the limits. Does irmaa get re-evaluated at this time or do I have to wait an entire year and pay the higher premiums all year?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      It SHOULD get re-evaluated every calendar year, but if you are starting in December, then you should file your IRMAA appeals form as soon as you get notification of your Part B premium amount. I hope this helps!

  • @evay838
    @evay838 ปีที่แล้ว +1

    Do you license in Texas?

  • @user-uv4ry2bm7x
    @user-uv4ry2bm7x ปีที่แล้ว +14

    Great video Stephanie. I am Medicare eligible this year, and I will watch all your vids, as your info breaks down many issues and questions making them crystal clear to make an intelligent decision. Much appreciated...thanks so much...Steve

  • @bonniekent4721
    @bonniekent4721 11 หลายเดือนก่อน

    I know that going from Medicare Advantage to Medicare Supplement would involve going through underwriting after your window is up but would a person have to go through underwriting going from Medicare Supplement TO Medicare Advantage after the window is up?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  11 หลายเดือนก่อน

      No! Medicare Advantage plans are not medically underwritten.

  • @jaye8872
    @jaye8872 ปีที่แล้ว +1

    How soon can you apply for a Medicare supplement plan ? I am going to apply for Medicare tomorrow. It will be exactly three months before I turn 70. I am working still and wanted to make sure that I apply within the right amount of time.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      You can apply typically up to 6 months prior to the effective date you want. Call us anytime for free help - 888-465-9728

  • @prov31x
    @prov31x ปีที่แล้ว

    Is the premium for the supplemental plan? In addition to the already Medicare premium?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว +1

      Yes, Medicare supplement premiums are on top of your Medicare Part B premium.

    • @prov31x
      @prov31x ปีที่แล้ว

      @@AbtInsuranceAgency thank you for the quick reply

  • @ericduke9372
    @ericduke9372 ปีที่แล้ว +1

    Love the Videos. i have tricare prime and starting medicare i dont think i need anything but A and B am i right

  • @deborahcaudill7306
    @deborahcaudill7306 ปีที่แล้ว

    Work stoppage? Uh oh. Had to quit work for cancer treatments from Oct '20 till July '21. Started drawing Soc Sec at 62 in late fall of '20. I guess it's ok cause it was required by Dr to not work?

  • @weirdshibainu
    @weirdshibainu 10 หลายเดือนก่อน +1

    I'll be on Medicare in 2 months. I may relocate out of state in 6 months. Would a broker be able to determine the current costs of a supplement plan in the area I'm currently in as well as the area I may relocate to? I understand the costs will likely change in the 6 months, but I'm looking for a rough comparison for current costs.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  10 หลายเดือนก่อน

      Yes, that’s exactly the kind of thing we advise our clients on! Call us anytime. 888-465-9728.

  • @rabbitankle
    @rabbitankle ปีที่แล้ว

    Why are different coverages available, and not available in different areas when this is a national medical system? Why do private companies get to choose where they can offer more or less coverage because of where you live? We live in Clatsop County, Oregon and three miles East in Columbia County they can have an Advantage plan and we can't.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      The federal government runs the Traditional Medicare program which is a national program. Medicare Advantage is privatized and can vary by insurance company, and region.

  • @PBG345
    @PBG345 ปีที่แล้ว

    I retired before age 65, and I have a RMSA (retiree medical spending account) with my former employer waiting for me, they are a health insurance company. But I moved away from their service area. Do you have experience working with these situations?

  • @rooster3019
    @rooster3019 7 หลายเดือนก่อน

    Can you provide a range of premium costs among companies and regions for plan N?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  7 หลายเดือนก่อน

      It varies GREATLY depending on where you live and age. Please reach out to me directly for information about your situation! 888-465-9728 or stephanie@abtinsuranceagency.com

  • @TakeTheRide
    @TakeTheRide ปีที่แล้ว

    So no supplement plan takes care of your long-term needs if you need a nursing home or hospice Care at the end of life?

  • @ummafif
    @ummafif ปีที่แล้ว +1

    Can my 96 year old mother change from plan N to G?

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  ปีที่แล้ว

      It depends on her area, and/or her health. Where is she located?

  • @yvonnehartline9849
    @yvonnehartline9849 10 หลายเดือนก่อน

    Hi, I am on plan G226 deductible plus $20 office visit is that right? I am in Georgia.

    • @AbtInsuranceAgency
      @AbtInsuranceAgency  10 หลายเดือนก่อน

      Plan G has no office visit copays after you’ve met your $226 annual Part B deductible!