@@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.
I used to work with a County agency then a regional state aging agency in my younger years in the late 1990s. Stephanie this is the most clear and concise teaching I've ever heard on explaining the different supplemental options with medicare supplemental plans. Thank you for making this video to educate seniors in a non-biased way! I'm going to check out your additional videos and wish you success in the future. Thanks for taking the time to do this because in a few years I'm going to need this myself.
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.
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.
personally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does..
I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me
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.
I read it ALL and do not sign if questionable ! Actually got up and left after going to the trouble to take my mom to a dermatologist who wanted her social so he could bill her is she missed an appointment !! Had bad reviews for him publicly which over 30,0000 have seen !!!
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.
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!
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.
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).
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?
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!
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.
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?
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
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
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.
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.
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.
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
NOTE: With High Ded G, after you meet the $233 Part B Ded, Original Medicare starts paying 80%. The Ded applies to the supplement, not Original Medicare.
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.
Great stuff Stephanie I subscribed to your, I just turned 65 in March I been on Medicare part A & B since 2012 I'm in Westchester county NY I'm alone this is just for me any suggestions can I still go with plan F❓I appreciate your help ciao Vic from NY,
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?
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.
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.
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?
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).
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.
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?
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.
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 🙂
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.
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!
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.
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.
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.
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.
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
Why, why, why’s …. Thanks for your work dear. Getting older is a headache and all the abcdCF BS is really awful! I’m just getting started. People take care of your health nobody’s going to save you but yourself.
ETs will!!! Med Beds coming soon! Military already using them. This is entire reason why it’s been hidden from us as they can make an organ from our own DNA instantly so need for black market organ harvesting etc. Or people dying or suffering. See Dr. Michael Salla of ExoPolitics with weekly interviews or Insiders from Special Forces to Ret. Intelligence Naval Officers…credible man and listed their enlistment papers blocking out Pii. Disclosure is imminent ! Get ready !!! @MichaelSalla
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.
Ask around for those locally who have gotten assistance from your County’s local Department on Aging who ccan by rafts and networks with Department of Social Services. They have free services to assist with breaking down and explaining which one would benefit you with no motive for selling you a higher one to make more money as they’re paid to do this a flat hourly/salary as services to the public! Call you DSS to find or if you are able to search online it Shouid come up with phone number . Can also use google maps to look up local agencies with all contact info except emails but search official site in the wording along with county name and city and state!
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.
What is your advise: I reach full retirement Jan 2024, but will be moving to France about 8 months after that. We are 90% sure we will stay there for the rest of our lives, but you never know. Would the Advantage plan be best, then cancel. What rights would i loss if I ever return? thanks again for your help
Many people in this situation would choose an Advantage Plan, as long as they are comfortable with how it works. You must have A and B to be enrolled in an Advantage Plan. Moving back to the US would allow you a special enrollment period as well --www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods
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?
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.
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 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!
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?
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!
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
A very clear, concise and well explained video on Medicare supplemental plans. You are a great precentor and if the rest of your insurance company is as good as you, your golden 👍💯🏆
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?
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?
I will be 65 this October. I retired from a company that will reimburse me for a supplement plan of $100 per month. I am a diabetic and wonder if plan G or plan N would be the best.
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
How do you change your plan? Is there a company you call? I have been on Social Security/disability for quite a few years now, but I think I'm on planned D, but I would like to change to plan F and I think you said, as long as you were on it before 2020 and I was,.. then I could get plan F. I don't know who to call to change it
If you have been on Medicare Part B for more than 6 months and you are not newly turned 65 then you would likely have to pass through medical underwriting to qualify for a new Medigap plan. What state are you located in?
@@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
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.
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.
I'm happy with my current plan right now and I live in Georgia but I'm moving to Delaware in February, I can't find a good plan in that state and area, can you help me find one?
@@shaddjohnson1064 That is a Medicare Advantage Plan, so you will definitely need to make a plan change. We can absolutely help. Call us at 888-465-9728 🙂
@@AbtInsuranceAgency hello, I am moving at the end of this month, we talked a month or two ago when i get to my destination I will contact you for help. Please text me contact info my ex wife will be contacting you two.
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
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
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?
![PASULOL รามเกียรติ์ ตอนที่ 4 นนทกพบรัก [Ramakien Ep.4: Nonthok in love]](http://i.ytimg.com/vi/tMUQgmZzf_A/mqdefault.jpg)
Do you think your plan is the "Best?" Or maybe the "Worst?!" - Share below! ⬇
My Medicare plan is plan f. No disappointments at all. Complete coverage every time with AARP co insurance.
@@oldgoat50 Medicare DIS ADVANTAGE LoL 🤣😆🙃
@@James-ol6rw What is AARP co insurance?
@@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.
@@James-ol6rw Thanks. Your comments are helpful and appreciated.
I used to work with a County agency then a regional state aging agency in my younger years in the late 1990s. Stephanie this is the most clear and concise teaching I've ever heard on explaining the different supplemental options with medicare supplemental plans. Thank you for making this video to educate seniors in a non-biased way! I'm going to check out your additional videos and wish you success in the future. Thanks for taking the time to do this because in a few years I'm going to need this myself.
wow, thank you for this compliment!
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
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.
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.
personally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does..
I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me
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.
So important to know!
I read it ALL and do not sign if questionable ! Actually got up and left after going to the trouble to take my mom to a dermatologist who wanted her social so he could bill her is she missed an appointment !! Had bad reviews for him publicly which over 30,0000 have seen !!!
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.
Thank you so much! We are delighted to be working with you.
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!
Another ⭐️⭐️⭐️⭐️⭐️ video! 💯 Value added and excellent scope and depth of knowledge!
Much appreciated!
Plan G in NY $271 but its peace of mind..
AARP united Healthcare was best for prescription drugs in my case.
Stephenie is a top notch Health Insurance consultant.
Thank you!
You're good to listen to you don't get no big hurry and understand everything you say
Thank you for that compliment!
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.
I am so happy to hear that and look forward to hearing from you!
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).
Never too soon to start learning!
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?
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!
Wow, thank you!
Very Good presentation - Thank You.
Thank-you for posting this helpful video!
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.
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?
This is what I am trying to figure out as well.
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
I’m so happy to hear that!
Bravo Miss, well explained in easy to understand terms
Thank you for watching!
Stephanie Great video, HDG deductible is 2700 for 2023.
Awesome content. Quite interesting and very useful. Thank you for sharing this wealth of information. Thanks for the great watch.
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
Please contact me directly for more information! 888-465-9728
Be nice to see a supplemental g vs high deductible g supplement; pros/cons
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.
Very informative. Thank you.
Yes I am a supplement holder. My question is do they offer any help for us in the way of grocery cards or help?
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.
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.
Very informative and clear. Definitely will subscribe. Thanks again.
Thank you!
Before I call in, who covers your cost to provide this assistance?
I just subscribed and thank you for the video, very useful.
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.
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
This really great explanation! Thank you!
NOTE: With High Ded G, after you meet the $233 Part B Ded, Original Medicare starts paying 80%. The Ded applies to the supplement, not Original Medicare.
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.
In some areas where Plan N is $40-$50/month less than Plan G, it becomes a better value.
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.
I’d like to know what does c cover and would it be a good choice
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?
Great stuff Stephanie I subscribed to your, I just turned 65 in March I been on Medicare part A & B since 2012 I'm in Westchester county NY I'm alone this is just for me any suggestions can I still go with plan F❓I appreciate your help ciao Vic from NY,
Call or email us for more information on your specific situation! 888-465-9728
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?
Do u have a video on Part D plans, they all seem very different?
Yes! And an updated 2025 video coming soon.
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
Do you have a video comparison of G vs High G?
Love the Videos. i have tricare prime and starting medicare i dont think i need anything but A and B am i right
Correct!
Very important information!
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.
You can apply typically up to 6 months prior to the effective date you want. Call us anytime for free help - 888-465-9728
How does a grandfathered plan J benefits compare to the current plan G?
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.
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?
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).
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.
Yes, I am! We would love to help.
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?
Yes! And we would be happy to help review state specific considerations as you choose a plan. 888-465-9728
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.
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 🙂
How do I sign up for supplemental plan
Give me a call! 888-465-9728. That’s what we help with.
Thank you👍
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.
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.
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!
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.
@@AbtInsuranceAgency I only enrolled in part A and delayed part B so I can get plan N!
@@kathyd7374 great! Please call us anytime, we would be happy to help!
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.
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.
Yes, that’s exactly the kind of thing we advise our clients on! Call us anytime. 888-465-9728.
Thnak you for the informatiomn
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.
Please explain about part D, it more important too. Thanks
I have many videos about this on my channel, with more to come!
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
We are licensed in NY and FL and would be happy to help! 888-465-9728
Thank you very good information ...Where are you located?
Austin TX. But we are licensed in and service 46 states!
Why, why, why’s …. Thanks for your work dear. Getting older is a headache and all the abcdCF BS is really awful! I’m just getting started. People take care of your health nobody’s going to save you but yourself.
ETs will!!! Med Beds coming soon! Military already using them. This is entire reason why it’s been hidden from us as they can make an organ from our own DNA instantly so need for black market organ harvesting etc. Or people dying or suffering. See Dr. Michael Salla of ExoPolitics with weekly interviews or Insiders from Special Forces to Ret. Intelligence Naval Officers…credible man and listed their enlistment papers blocking out Pii.
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@MichaelSalla
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.
We look forward to hearing from you!
I am completely lost when it comes to choosing what plan would be best for me.
That’s where we can help! Call us at 888-465-9728. 🙂
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
Me too 😔
Ask around for those locally who have gotten assistance from your County’s local Department on Aging who ccan by rafts and networks with Department of Social Services. They have free services to assist with breaking down and explaining which one would benefit you with no motive for selling you a higher one to make more money as they’re paid to do this a flat hourly/salary as services to the public! Call you DSS to find or if you are able to search online it Shouid come up with phone number . Can also use google maps to look up local agencies with all contact info except emails but search official site in the wording along with county name and city and state!
How about an in depth comparison between HD plan G & plan N.
Good idea for a future video!
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.
What is your advise: I reach full retirement Jan 2024, but will be moving to France about 8 months after that. We are 90% sure we will stay there for the rest of our lives, but you never know. Would the Advantage plan be best, then cancel. What rights would i loss if I ever return? thanks again for your help
Many people in this situation would choose an Advantage Plan, as long as they are comfortable with how it works. You must have A and B to be enrolled in an Advantage Plan. Moving back to the US would allow you a special enrollment period as well --www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods
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?
YES!
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.
You do a wonderful job!
Thank you!
I also have Tricare for life, do I need a Medicare Advantage plan???
No, you don't. But some veterans do like to enroll in certain Advantage plans to get extra benefits.
Thank you so much for your honest and easy-to-understand information.
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.
Please give us a call at 888-465-9728. We would be happy to review this with you in more depth!
@@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!
@@jaye8872 looking forward to it! 🙂
That's exactly what I needed to know. Thanks.
Glad it was helpful!
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?
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!
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
888-465-9728!
Do you have a prescription plan for my Supplemental insurance?
Yes, we also help with Part D!
Do I need to have a supplement plan. how do I switch from kaiser to a medigap supplement plan
You’re awesome, you made this whole thing so simple and understandable! First time watching your video!
Yay! 🙂
A very clear, concise and well explained video on Medicare supplemental plans. You are a great precentor and if the rest of your insurance company is as good as you, your golden 👍💯🏆
Wow, thank you for that compliment!
@@AbtInsuranceAgency Anytime, the compliment is well deserved.
Keep up the good work 👍
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?
I do cover that here - th-cam.com/video/DBwUb_QfaB0/w-d-xo.html 😬
Excellent video! Thanks. Ps. How do you keep your teeth bright white? Beautiful!
Thank you! 😊
Do you sell Aetna plan N in Florida?
Yes!
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?
We can likely help! 888-465-9728
I will be 65 this October. I retired from a company that will reimburse me for a supplement plan of $100 per month. I am a diabetic and wonder if plan G or plan N would be the best.
Where are you located? We would be happy to help! 888-465-9728
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?
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!
Thanks
Can you provide a range of premium costs among companies and regions for plan N?
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
How do you change your plan? Is there a company you call? I have been on Social Security/disability for quite a few years now, but I think I'm on planned D, but I would like to change to plan F and I think you said, as long as you were on it before 2020 and I was,.. then I could get plan F. I don't know who to call to change it
If you have been on Medicare Part B for more than 6 months and you are not newly turned 65 then you would likely have to pass through medical underwriting to qualify for a new Medigap plan. What state are you located in?
@@AbtInsuranceAgency I am in Idaho
Which is the best medicare plan eye and dental?
This depends on a few factors - please call us for more information!
What about plan c it looks very similar to plan f
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??
Yes, that is exactly what we help people with! 888-465-9728
@@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
@@m.b.g.2235 give us a call, we would be happy to assist!
Stephanie Abt,,,what Medicare plan will help me pay for implants ? I am lost in all the menagerie of plans. I am 63 and on disability
Email us at stephanie@abtinsuranceagency.com
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.
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.
I'm happy with my current plan right now and I live in Georgia but I'm moving to Delaware in February, I can't find a good plan in that state and area, can you help me find one?
Do you currently have a Medicare Supplement Plan or a Medicare Advantage Plan?
@@AbtInsuranceAgency to be honest I really don't know , it's clover health ppo of Georgia
@@shaddjohnson1064 That is a Medicare Advantage Plan, so you will definitely need to make a plan change. We can absolutely help. Call us at 888-465-9728 🙂
@@AbtInsuranceAgency ok, I will right before I move, thank you.
@@AbtInsuranceAgency hello, I am moving at the end of this month, we talked a month or two ago when i get to my destination I will contact you for help. Please text me contact info my ex wife will be contacting you two.
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
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
Can my 96 year old mother change from plan N to G?
It depends on her area, and/or her health. Where is she located?
Hi, I am on plan G226 deductible plus $20 office visit is that right? I am in Georgia.
Plan G has no office visit copays after you’ve met your $226 annual Part B deductible!
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?
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?
No! Medicare Advantage plans are not medically underwritten.
Can you switch back from Med advantage (Humana Gold) to Medicare with supplemental without much paper work?
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