ฝัง
- เผยแพร่เมื่อ 29 เม.ย. 2015
- Learn about the different ways you can get Medicare coverage.
We accept comments in the spirit of our comment policy: newmedia.hhs.gov/standards/com...
As well, please view the HHS Privacy Policy: www.hhs.gov/Privacy.html
![คุณอาเรียโต๊ะข้างๆ พูดรัสเซียหวานใส่ซะหัวใจจะวาย ตอนที่ 2 [ซับไทย] 【Ani-One Thailand】](http://i.ytimg.com/vi/kbbfYakMY8k/mqdefault.jpg)
This system is insane. Who thought this up?!
The US congress, who else?
The Three Stooges?
@@jenniferstrickland3157 We had one plan--original Medicare. Which we still have, BTW. But then the insurance companies (both for profit and non-profit) wanted in on the goodies and promised they could offer more for less money. And since we have a lot of Americans (see some of the comments here) who believe that private is ALWAYS better than government, they came up with a hybrid system which is insanely complicated and does not serve us well. Especially as we age and have more and more difficulty dealing with complexity. But it's what a certain segment of Americans think will "protect" them from the government and that highly-paid insurance executives know they need to keep in place so their high salaries also stay in place.
@@maryannecrecelius5283 You have very good comments.
Thanks to Richard Nixon this is the most convoluted system in the world.
I agree this totally has made me afraid of what is to come. I agree this is the most confusing demonstration of government. Including social security and the amount of money you can make with social security and your benefits with medicare a/b. How much more can they take away from us.
it's all a racket. We should apply and not have to worry about all the differences in who gets paid what.
💥 💥 boom 💥 just legalized money Laundering
They have let the Roosters into the hen house. The Insurance Companies have been given a seat at the table, and we are the main course. GET INSURANCE OUT OF MEDICARE!! SINGLE PAYER UNIVERSAL HEALTHCARE NOW!!!! GET REPUBLICANS OUT OF GOVERNMENT
I feel so bad for seniors. I am an agent and I will NOT sell this UNTIL I fully understand what I am selling to my clients. I want to understand the plans inside and out! I want to be able to answer every question for my client to get them the best plan for their situation/needs. And also I must understand the drug plans, which are separate from the health plans. Not to mention EVERY year seniors, you should re evaluate your plan, or trusted agent should help you(I hear too many stories of agents not doing that) These health plans and drugs can and do change every year so you need to be informed and sometimes the insurance carriers will drop the plan and you MUST pick a new one. Also, us agents have to know the very specific rules on selling these plans for Medicare Advantage. A good agent needs to be very knowledgeable and really want to help their clients, not just sell a plan and then disappear. I am here learning all I can and maybe by the fall of 2020 I will be ready! Be safe everyone!
Nice. Will you be my agent? The one that set me up for an Advantage Plan did not do what I asked for...I wanted a PPO and she had me signed up for an HMO. I have spent the last year waiting to get referrals for specialists...it has been brutal. To wrap it up, every specialist and doctor I have seen this year have said they never heard of Care Plus.
I am looking for a PPO in Puerto Rico and it’s a nightmare. I do not want to keep any known plan if they push me in anything. I do not want to forcefully get a primary doctor because I will not be faithful to no one. It’s my right to not visiting whom I don’t want to. Not interested and I am not in the disposition to depend on him or her to see a specialist. Forget it. And the complementary of Medicare on the other hand seems to be very expensive. But how much could that be? I want a medical plan, a wide one not one offering gifts and crap to convince me of anything. I just want to know how much could be having Medicare with a complementary that would cover dental and hearing at least. I am sick and tired of regular medical plans.
WHy do we need private "AGENTS"????
Do we not pay for government agents in this system? Or did the GOP strip those offices also?
SINGLE PAYER UNIVERSAL HEALTHCARE NOW!!!! GET REPUBLICANS OUT OF GOVERNMENT
Turned 65 and have had so much more anxiety over health insurance. This should not happen. I was forced to go on Medicare. That is how I feel. I am paying more for the premium now than before I was 65 in the Market Place. I am paying more for doctor visits co-pay. Why? I should not be paying more since I turned 65. This is wrong! I am learning since I am new to Medicare and so far, I am so mad, upset, and to the crying stage because of all of the out of pocket costs. Drain what money I do have so I am poorer. What kind of system is this? I am so frustrated since turning 65 in 2020. Add this frustration to everything else that is happening in the U.S. and this is anxiety and frustration overload. If you have Medicare A and B (Advantage Plan), who or what can help lower the costs or help pay for the monthly premium, extra co-pays, deductibles, increased insane prescription costs? Yes, this is insane. No wonder seniors are not happy unless they are rich! Over my frustration, I have been told: Welcome to Medicare. It is not the least bit funny.
I'm a Medicare Advantage plan specialist..for the last 18 yrs!! If you have questions I can help.
There is lots of help out there. People just don't know how to find it. I help people with this all the time.
I feel your pain, as I am just about to become Medicare eligible. Similar to you, my question is and always has been why am I "forced" to some form of Medicare at this stage of my life? If I'm happy with my current non-Medicare coverage and its associated costs, why on earth should I have to change from this to lesser coverage that is more expensive? Makes no sense to me, but I'm the paying consumer, not the profiting recipient of said payments. Don't get me wrong, I'm all in favor of companies making profits...just not exorbitant and excessive ones!
I would strongly urge you to look into the Medicare Savings Programs which help with the premium and can help with more as well. It depends on income. There are no resource limits (this was recently changed).
@@rhondagale9461 What is your contact information?
What a pleasant tone of voice used to explain the specifics for how we take it in the well, you know where I mean! I remember when Medicare just paid my parents' bills and prescriptions! When will the Congress stop drilling holes in our sense of security and well being for the sole purpose of enriching CEO's of Big Pharma and Insurance companies? When will the public understand that we have the money, and we need to vote out all of the either ignorant or lying scumbags that talk a good game while having blood on their hands!
..and if the "D
team succeeds in stealing the 2020 election it's going to get 10x worse ready for 28-30% taxes "forced" socialism The "Big Guy" aka Big Brother has both hooks in now
when idiot voters quit re electing the same people year after year, vote them all out
@@louferraro6976 You have it EXACTLY backwards. It's people like you who have contributed in a huge way to making such a mess of Medicare and, for that matter, of health insurance in general.
@Merril R hahaha CNN IS THE BEST choice 😭
@@louferraro6976 Biden is called “the big guy”
The best source for assistance is with volunteers from your state Dept of Insurance/Council on Aging, etc. In Indiana, that is SHIP (State Health Insurance Assistance Program); in Florida, "SHINE" and so on. We are in every state. You can determine the program in your state by contacting either SS or Medicare. We are trained volunteers, not aligned with any insurance company or product. Free, neutral advice to help you through the maze of options. Consider there are 20-30 prescription drug plans, the same number of Medicare Advantage Plans and 8 standard Medigap or Medicare supplement plans offered by around forty companies. Think of your odds. This is after you determine what option or options are best for you at retirement...or each year, during Open Enrollment, for that matter. Seek unbiased assistance for your choices.
Your breakdown proves just how overwhelming this can be. Knowledgeable unbiased help is just what we need. Always feel like private insurance companies are in it for the profit. Will definitely look into this.
Thank you for that information. I wouldn’t believe a thing an insurance agent told me and I’m not sure how unbiased AARP is. I will definitely contact that organization.
Such a daunting process for someone just turning 65 with no knowledge of it.
I agree Jeanette which is why I specialize in helping people in my area understand their options and benefits.
@@MsSweetkate That's great. But the real question is, why do we even need people like you? It should be easy to understand and not complicated to become part of.
Why do we doctors or attorneys
Yes I thought automatic enrollment, I am in. Wrong! They got me again, and started the process 12/5, mistake.
I've worked with computer programs most of my adult life and have NEVER run across something as difficult as this - even the website makes it difficult to get the information you need. Those with any mental decline will NEVER get or find what they actually need this way. Tried to get information for my mother (in her 90's) and almost forgot what we wanted when holding on to the phone for 55 minutes waiting for the call to be handled. She waste a whole day at the office waiting for her number to be called, only to find that she had to do something else or didn't bring the correct information with her. What happened to all those things that were supposed to simplify the procedure?
wow Gayle! It must feel frustrating and stressful to spend all that time trying to help your mother with her Medicare. What were you trying to accomplish for your mother, if you dont mind me asking?
Medicare Help can be simple and a lot less frustrating if you have a licensed and trusted Medicare Advisor helping you and your mother every step of the way. The most "mature" person I've ever helped to she if she qualified for Medicare Savings is 95 years young. Here a video 1-800-Medicare tip to get through to a Live Medicare Agent th-cam.com/video/4D1W8o8KdeI/w-d-xo.html
Vote for the European system
@@scott7008 you obviously do not know the European system . In Europe it is one hundred time worst than this you actually have to have friends in the hospital to advocate for you or family members. doctor don’t talk to patient’s family .it covid all year around !
@@manuelapedranobre9028 actually I live in Europe, have worked in the Healthcare system for 35 years throughout Europe. Your idea that we have to know people to get treatment is insane.
@@scott7008
My daughter married an Austrian, worked as a teacher and had their national coverage and when she had to be treated for appendicitis they did the emergency operation all right but then she was in a room with 5 other women and an open toilet in the middle of the room. It was 3rd world care. Her in-laws told her she had to pay cash or pay for private insurance on top of what they took out of her check for National insurance to get better treatment. At least she lived.
Looks like we need a lawyer every time something hurts. Never mind doctor.
Soooo confusing... As we age, we need simplification, not confusion... sorry for seniors (myself included)
No
It is confusing because scammers are cannibalizing Medicare via their "privatization" scams. That is what these plans are, do NOT let them pretend they are private insurance, they are NOT - privatized companies actually bill the federal government and enrich themselves that way, because they know that the federal government can issue ANY AMOUNT of money for anything that is physically possible, so they can bill for massive exec salaries and insanely high profits. Wall Street firms invest, knowing that profits are guaranteed via federal money.
Meanwhile, most of us have believed that taxes fund the federal government, and believed the lies and fearmongering the corrupt have told us about the national "debt" (it is NOT an actual debt), and deficit, etc. And that somehow this country "can't afford' good things that about 30 other countries have!
Here is an econ expert to explain how EASILY we can have full healthcare coverage all our lives, as other countries have done.
mythfighter.com/2019/01/24/if-you-could-provide-free-comprehensive-healthcare-to-everyone/
However, our corrupt scammers have been going after many other countries and cannibalizing many systems so they can take over with their scam of "privatization" and enrich themselves with government money from those countries, too! That is why you hear of more problems, like with the NHS in the UK which is still far better than what we have, but they are intentionally reducing govt money and privatizing parts of it. That is what the scammers have done here to Medicare, the Post Office, public schools, the VA, etc, which were all fully NATIONALIZED systems that worked well until the 70s when the greedy hijacked government in order to do their scam as well as to bust unions, repress wages and squash people power.
MC is a typical government ran program. Starts out easy and affordable which appeals to the public and gets the program bill passed. Once it's a law our politicians, insiders and bureaucrats go to work on it over time and under cover. Making it more complex, expensive, difficult to use is the typical government approach. You can't possibly find the time or help to fully understand the crap that ends up being the law. Of the people, for the people and by the people has become for the politicians and their buddies. We have some in DC striving to make things better, simple and affordable but they are attacked by the bureaucratic jungle. Look what they try to do to Trump. Our beloved country is being assaulted from the inside and outside and slowly being led towards destruction.
Just follow the Europe system. Easy
@@debbiedogs1 just follow the European system. Easy win
This video needs to be updated. It's 5 years old. I don't believe this is current information.
I've been trying to get my Korean wife enrolled through Medicare. However, since I am a retired service member in Korea and my wife is Korean they said I have to go through the US Embassy in the Philippines. I started in March 2021 and some of the delay was sending certified mail to Manila. I did that through a military postal service. It took a month to get to Manila, the Philippines and sat there for 3 months due to a lock down. Finally around October the Medicare section in Manila said all the correct paper work was done and was sent to the US for processing.
My wife still hasn't received anything and now it has been 11 months and 2 weeks since we have started. I contacted Medicare in the US but they said I have to check with the US Embassy in the Philippines. However, the US Embassy says they have to wait for Medicare to finish in the US.
Talk about lazy, worthless and incompetent people. As a retired US Army service member, I was proud to serve my country. My only regret is that we also serve and protect those who could care less about us.
Ooh Rah Brother......Amen to that.
I had great insurance for myself & my wife through Healthcare.gov UNTIL I applied for my SS retirement funds. They canceled my good insurance, gave me part A, and now want to charge me $170.00 per month for part B. Then more for a Medicare Advantage plan, that may or may not cover what you want or need. Then there is a damn Drug plan you have to add on that costs more....WTF people ??
SO my question is, how in the hell is MY Retirement linked to that BS Part A? If I drop my Retirement and part A, I can get good insurance, but then I lose all of that money I have earned over the years....54 to be exact. Screw em.
How can they cheat hard working American Veterans, who gave so much for this Country, and still look themselves in the mirror every morning?
can you say EX-PAT....thinking about bugging out to Costa Rica, or Spain....Screw this BS....Our government is totally Fargin frigged up, and there is zero fix in sight.
I for one am canceling my Part B at that $170.00 a month.plus part D or was it C, X, P and that damn Advantage plan horse shit, it is so confusing??
@@Celtic-Warrior The price increase went into effect for 2022. They also said that the price will drop after the one medicine for dementia patients was dropped from about $56,000 a year to about $26,000. I haven't heard any more about that. Someone probable told them to keep quite so that they can continue to make more profits for the rich health officials to put in their off-shore accounts.
God it is all so confusing to me! I have 3.5 yrs left before I qualify for part A and part B, how do people even afford plan B,C or D, especially when you are not getting that much from SS?
If you can afford $200. a month get a Medigap supplement if not get a zero premium Medicare Advantage Plan, and there is lots of help out there. SS Office for one and Hospitals have help for lower income.
Me too....I have researched Medicare and options for 2 yrs and it is absolutely ridiculous....the Alphabet Soup I call it...Crazy!! How far of a reach is it to include the drug part into part B??? When you do decide and have to pay for every individual letter( Abcdefg) how do you even know you got all you need??
@@rhondagale9461 I wish mine was 200
I signed up for Medicare part A when I was 65 but not part B because I was still working. Now I need to sign up for part B. The local office told me that I could do that online. Wrong! It is not possible. it just takes you around in circles and there is nowhere to sign up for it. Back to the office!
I have ben very careful with my diet, I try to eat more vegetables and fruts and I keep checking my blood pressure. Long time ago, my doctor recommended me a prescription for the blood pressure, it was high. I started doing Taichi and in a year my pressure was normal and thepresription was not necessary since then. I am 88 years old and the only prescription I take is a diuretic, I highly recommend the practice of the Taichi
It's Tai Chi, not one word.
I figure skate (now reduced to walking) and that has helped measurably.
@@richardm.9821 Wow, why be rude? You really missed the point...
Crazy..the services you need when you age aren't covered, such as hearing aids, eye exams, glasses, and dental, false teeth. This is crazy!! Now on a fixed income who can pay for a part A B,C D or a medi gap plan!! This needs to be simplified, I am so confused!!! Why not put all coverage into a Z plan and cover what we need at a reasonable fee!!!!!!??? I am Angry and Frustrated by this Craziness.
Ditto.
@@rebeccahernandez3460 and
.
Iuhhuuiu
Medicare advantage plans cover all that and more, some or most plans are zero premium.
I've been on Original Medicare for 13 years. I have a PPO as I wanted to choose my own doctors and not have to wait for a referral. This option covers Hospital (A) and Medical (B) expenses 80%. In addition, I have a supplemental insurance, Blue Shield of CA which is my husband's Union. The supplemental insurance pays the remaining 20%. It was necessary or me to add Part D for prescriptions as the Union's prescription coverage is non-credible. At this point in my life, I have been healthy and doctor's visits are mainly for follow up and lab work. I pray my health stays that way. The supplemental offers Dental/Vision at a discount premium. This combination works great for me. Yes, it is confusing but list what your needs and priorities are, then you can decide which is best for you.
Original Medicare means you DO NOT have a supplemental plan. So where does the PPO come in? I don't get it.
Why do I pay three times as much for insulin with Advantage Plan than I pay at pharmacy for insulin OTC price without a prescription?? Insurance Rip Off!!
Vote for you know who.
it shouldn't be this complicated .
Medicare confusion is very real! I spoke with a doctorate professor who was completely confused and frustrated as well. Did you find the right plan?
Way too compliczted need someone as a guide
@Marktuyet Which part do you find complicated? The misconceptions surrounding Medicare comes from where Medicare Beneficiaries get educated on the 2 Medicare options. And, who they Trust with their Medicare Insurance. Agents/brokers/Companies are competing for your business to a fault because marketing a brand or plan adds to the confusion and can down right feel overwhelming to most Medicare Beneficiaries.
The best way millions of Medicare Beneficiaries have found peace of mind is having a licensed and trusted Medicare advisor not only educate with the "Medicare and You handbook" that is written by the government but also have the advisor become your advocate each and every year. Meaning, they will help to update you on the changes that happen with Medicare and also review your #MedicareSavings and Options each and every year after. Its all about trust. There are many very good Medicare Insurance brokerages and firms out there who are able to shop the market for you. I hope this helps
1-800-Medicare Tip Video: th-cam.com/video/4D1W8o8KdeI/w-d-xo.html
@@MichaelFischbach Thanks to Michael and Miriam for your responses.
@@MichaelFischbach Sorry, but why in heaven's name should we even need to have a "licensed and trusted Medicare advisor"? Having people like that just adds to the confusion (where do I find such a person, how do I know I can trust him/her, how do I deal with this when I hit the stage that I no longer really grasp details) and to the costs of providing health care--those advisor have to get paid from somewhere. Either they're paid by the insurance companies who then build that cost into what they charge or are paid out of pocket. Why? And review every year? I've taken care of these things for my elderly parents and parents-in-law and with every year it got harder because their conditions changed (of course) and their ability to understand declined. Now I'm doing it for my husband and me, and it's a royal PITA. We don't have children, so I'm not sure who will be around to help us make decisions in the future. Transparency and ease of use should be the goals.
I don’t understand paying choice insurance and still getting bills of hundreds or thousands?
why charge penalty for people can not afford to buy medicare? Also, and specially for people who collect SS under the poverty limit who can not really afford to pay the penalty because what they collect from SS is to low that we can hardly pay the rent and food to live a healthy life. Respond
There are several programs in place to help low income seniors pay for premiums for part B and D. If they have previously been assessed a penalty and they qualify for this help the penalty goes away. Help with part B premiums comes through their state and they must apply for the help through DHS (at least in Oklahoma). Some seniors apply for SNAP or for Medicaid health coverage but don’t make sure to apply for the premium help. I’m a licensed health agent in Oklahoma that only works with medicare recipients and I can tell you from personal experience that many seniors do not know they can apply for this help. I start every appointment with asking about income levels for this very reason. They can also get help through social security, called “extra help”, with their part D premiums. Information on this, including income amounts for qualification, can be found on the medicare site. Unfortunately, many seniors that I work with don’t use computers so it’s vitally important that any health insurance agent they work with understand these programs are out there and help them apply for them. It can be life changing!
Its so confusing! And the system is backward! While I worked I paid $11 a month for state health insurance. Now with a disability and nearing retirement my health problems will beggar me! My sister who has great retirement also has VA benefits in addition to her Medicare and can afford the extra expense. I am on a very fixed income and can't afford it. Why do we penalize our seniors for growing old?
Ms. Katherine. I can feel your frustration. Make sure to find a plan that fits your budget and hopefully you have some money set aside for times when you have to pay out of pocket. That is only if you pick a Medicare Advantage over a Medigap Plan. Let me know if you have other concerns. Michael C. Fischbach
Mr. Fischbach:
Will you please, explain the difference between Medicare Advantage and Medigap Plan. I need to prepare much better when my retirement time comes.
What about those seniors that are already retired and confused especially, those who lives alone. Not all of them are in good shape physically or mentally. I know a case that has no children and her related doesn't care about her. I'm doing the best I can for her but, the law limit my efforts to her because I'm not related. Thanks to the Lord she's mentally healthy and brite and very positive about life. She's a very nice lady. I'm worried about her lower back (pinch nerve and sciatic nerve, both). She never give up and move on.
Once she said to me " While my heart and brain are happy, I am too". She's a true warrior. May be because she's part of the armed forces family because of her father and husband. Both passed away.
Thanks for your orientation to senior people. Today is for them and tomorrow will be for us. Many blessings to you and yours...
The problem is that Medicare has been corrupted since the 70s by "privatizers", who devised scams to access federal money when the US went off the gold standard. They understood that doing so meant that the federal government could issue ANY AMOUNT OF MONEY for anything that is physically possible. They of course fo not want the public to know this! But that is why they began to privatize prisons, public schools, infrastructure, etc. First they used excuses (lies) to reduce federal funding to these and other things they wanted to control, then when people complain, they push their scam solution.
Most people know ZERO about federal money, because the elites wanted us 'peasants' clueless. But these additional/supplemental plans are NOT private, they are privatIZED, too very different entities! People running any privatized company get to bill the federal government any amount, providing massive exec salaries and insanely high profits. Wall Street firms invest, knowing that profits are guaranteed via federal money. It is a massive racket, and the scammers took it global in the 70s, corrupting other countries so they could embezzle government money to enrich themselves from those countries, too! The UK, Australia, NZ and Canada were their first targets - the CIA actually helped oust a decent Prime Minister in Australia in 1975 who obviously said NO to the corruption.
So when these people say "private" insurance, it is actually NOT true - these companies do not run like car insurance companies, solely on premiums that people pay, they have access to federal money to bill the government whatever they want.
Because this is all part of the corruption scam, you can typically find the supplemental insurance companies on the stock market, or ask who owns them - like I found out that Optimum has now been bought by Anthem. When you check the CEO pay and profits, it is astounding - I know for our current major healthcare companies of our ACA ("Obamacare", which was a sellout to the corruption scam and is a totally privatized system), those multimillion dollar CEO salaries and billions in profits - even quarterly! - do NOT come from premiums people pay!
Our war companies are privatized, by the way - have been since WW2 at least, which is why we have always heard about crazy overcharges in the military, like $800 hammers, etc. Until I learned more about a country's economics from professors of economics for the past 3 years, I always wondered how and why this happened. Now I know that it is how the scam was devised, no real oversight. Anyone that gets singled out is just to pretend that there IS some oversight - I suppose when they throw someone under the bus it may be personal revenge, or someone wants to take over the company. But knowing the scam shows us why BOTH PARTIES lie us into wars and vote for massive war money, equal to the total of the next 13 countries budgets for military combined! The 'extra amounts' are money in bank accounts, just like the "extra cost" of healthcare in the US is money in the bank accounts of the FEW, which is why the corrupt lue and fearmonger us NOT to go for real healthcare for all.
And by the way, taxes NEVER funded the federal government, that was also always a lie we were told since the powerful figured we "peasants" might demand too much if we knew the truth.
Here is an econ expert - not a professor, but he knows his stuff and has links to the info he references - explaining how EASILY we can have healthcare for all, and NOT a complicated mess of a system broken up by these scammers.
mythfighter.com/2019/01/24/if-you-could-provide-free-comprehensive-healthcare-to-everyone/
@@MichaelFischbach are you advertising on this site ? You are offering help to every one .how odd !
debbiedogs1 was
Am I supposed to be spending 2 hours a day working on this? I have never gotten so much crap in my mailbox as I do now that I am 65!
I can so relate! It was for me when my wife was terminally in the hospital.
Call EasyMedicare at 877.862.9283 for a simplified explanation of your Medicare.
You can thank AARP for most of that crap. I phoned AARP and asked them to remove my name from their mailing list and requested they contact all of the companies they sold my information to. Six weeks later, NO MORE CRAP in my mailbox. Yippee!
I've had medical insurance from my company for over 20 years. When they laid me off I received COBRA coverage for 18 months which continued my full health insurance as before. Now I find that Medicare does not count COBRA as insurance and I get to pay a penalty for this. This is not only confusing, it's ridiculous. I've had full coverage ever since my employment ended yet Medicare does not recognize this. It's even more crazy that the online process requires truthful responses, yet won't accept my response unless I state that my coverage ended when my employment did, which is simply not true. I have to lie to get the application in, and then get a penalty for it as well simply because they don't "count COBRA as insurance". This is nuts.
Sounds like the government.
I, too, took COBRA when I retired. I love that everything has been covered. And it will run out at the end of that 18 months. And then what? How much of my bills will I pay, and will that exceed what I have been paying for COBRA? And then we have those politicians who want to term it an "entitlement" and get rid of it while all the years we have worked and paid into it and they have had their hands in it and robbing us blind. We get something like 80% payment of that benefit instead of 100%, and they want to reduce it more or eliminate it all together.
"The true measure of any society can be found in how it treats its most vulnerable members." They want to leave us on the streets and look the other way.
While we have paid all those years for their salary and insurance that far exceeds any of ours.
That is absolutely incorrect. Your COBRA coverage by law had to be the exact same coverage u had at your job. If that was credible coverage then you absolutely do not have to pay a penalty. You should have received a form at tax time yearly documenting that your health insurance was credible. And your work coverage by law had to be credible so you need to get the documents and demand action from a supervisor.
Just write us a check for everything you own, and we will take care of the rest. Your Welcome................
Even many insured people can go bankrupt because the system has been cannibalized by "privatized" since the 70s, and privatization is pure CORRUPTION. I wrote the following to explain how the corruot have duped us, and will continue to do so until more of us see the reality and what they have done:
The problem is that Medicare has been corrupted since the 70s by "privatizers", who devised scams to access federal money when the US went off the gold standard. They understood that doing so meant that the federal government could issue ANY AMOUNT OF MONEY for anything that is physically possible. They of course fo not want the public to know this! But that is why they began to privatize prisons, public schools, infrastructure, etc. First they used excuses (lies) to reduce federal funding to these and other things they wanted to control, then when people complain, they push their scam solution.
Most people know ZERO about federal money, because the elites wanted us 'peasants' clueless. But these additional/supplemental plans are NOT private, they are privatIZED, too very different entities! People running any privatized company get to bill the federal government any amount, providing massive exec salaries and insanely high profits. Wall Street firms invest, knowing that profits are guaranteed via federal money. It is a massive racket, and the scammers took it global in the 70s, corrupting other countries so they could embezzle government money to enrich themselves from those countries, too! The UK, Australia, NZ and Canada were their first targets - the CIA actually helped oust a decent Prime Minister in Australia in 1975 who obviously said NO to the corruption.
So when these people say "private" insurance, it is actually NOT true - these companies do not run like car insurance companies, solely on premiums that people pay, they have access to federal money to bill the government whatever they want.
Because this is all part of the corruption scam, you can typically find the supplemental insurance companies on the stock market, or ask who owns them - like I found out that Optimum has now been bought by Anthem. When you check the CEO pay and profits, it is astounding - I know for our current major healthcare companies of our ACA ("Obamacare", which was a sellout to the corruption scam and is a totally privatized system), those multimillion dollar CEO salaries and billions in profits - even quarterly! - do NOT come from premiums people pay!
Our war companies are privatized, by the way - have been since WW2 at least, which is why we have always heard about crazy overcharges in the military, like $800 hammers, etc. Until I learned more about a country's economics from professors of economics for the past 3 years, I always wondered how and why this happened. Now I know that it is how the scam was devised, no real oversight. Anyone that gets singled out is just to pretend that there IS some oversight - I suppose when they throw someone under the bus it may be personal revenge, or someone wants to take over the company. But knowing the scam shows us why BOTH PARTIES lie us into wars and vote for massive war money, equal to the total of the next 13 countries budgets for military combined! The 'extra amounts' are money in bank accounts, just like the "extra cost" of healthcare in the US is money in the bank accounts of the FEW, which is why the corrupt lue and fearmonger us NOT to go for real healthcare for all.
And by the way, taxes NEVER funded the federal government, that was also always a lie we were told since the powerful figured we "peasants" might demand too much if we knew the truth.
Here is an econ expert - not a professor, but he knows his stuff and has links to the info he references - explaining how EASILY we can have healthcare for all, and NOT a complicated mess of a system broken up by these scammers.
mythfighter.com/2019/01/24/if-you-could-provide-free-comprehensive-healthcare-to-everyone/
Exactly.
@@debbiedogs1 Yet the sheep still think we vote for our overlords. What about you?
Great information - let's see what my 94 year old Mother can do with it ?
Mi8222efeko
Who owns the largest building in your city? It is probably an insurance company! Many Americans support Medicare For All or Universal Health Coverage! I know many people that live in other first world countries, they think we are nuts not to support a universal plan. The insurance industry has us hood winked into thinking that a Gov run health care plan is "bad" or "Socialism". Bad for us, great for their bottom line! Families having to choose between feeding their families and healthcare! Crazy! Yet, this is why we ended up with this convoluted Medicare with only 80% coverage and having to buy a supplemental and drug coverage! Next time you are faced with voting about our Healthcare system, think about this!
SINGLE PAYER UNIVERSAL HEALTHCARE NOW!!!! GET REPUBLICANS OUT OF GOVERNMENT
The insurance companies are more corrupt than the government. All big business is corrupt. It’s unethical that we don’t have Universal Healthcare but I also believe people have to take responsibility for their own health and we shouldn’t pay for peoples poor habits. That’s a challenge to figure out the how’s but I don’t want to pay for the great majority of people with type 2 diabetes because they can’t control their eating.
Honestly, I think the whole thing is so confusing intentionally so we elders won't know what we're doing and the Medicare system will get away with not having to pay out. The answer is always $$$$.
It can feel overwhelming @Cynthia. Find a licensed and trusted Medicare Advisor for your long term Medicare Planning so you can get peace of mind and the coverage that best fits you. Have you found an advisor yet?
Ilene,,,you give a very insightful and honest answer,,,,$$$ is everything and it's so unfortunate. We could go on and on with our similar mindsets because I wholly agree with you. Tony-----synergy0513@gmail.com
Michael C. Fischbach All the advisors seem to have a vested interest in their own insurance companies. Is their such a thing as an impartial advisor?
Who in the world came up with this mess ? Mr. Magoo ? Do you have part A? How about part B? Don't forget part D! Oh, wait a minute. You thought you had part A with part D , so sorry , are you confused yet? Good, now I have the green light to penalize you. That's right ! Close to 70 years old and in good health ? Not for long sister. We will break you yet. Mr. Magoo, come on you had some help did'nt you. The three stooges , am I right ?
@@phillipvangarrick936 Yes, every county offers free unbiased advice. Check with your county
Health care should be free for everyone, like it is in civilized countries.
David, there is no such thing as free. Someone, somewhere, pays for it.
Yes, we are called TAXPAYERS, and in all civilized countries we pay for everyone's basic care.
The average Canadian household spends $2000 on health care costs, plus $4000 on private insurance premiums. 65% of Canadians have some form of private health insurance to cover the things that the Canadian health plan does not cover. The Canadian health system does not cover medications or health care services received outside a hospital or physician's office. So, no home health care is covered. However, the government does control how much pharmacies and drug companies can charge for medications.
We can do better than Canada. We could have a system as good as Norway!
Or maybe, if we try teal hard, we could have one as good as Denmark.
i agree it is definitely too complicated, if they supposedly automatically enroll you, why then does it become a "maze" when attempting to be fully covered.
So many folks find Medicare confusing. A licensed Medicare Advocate can assess and ask you questions to fit your needs. Its true a lot of folks are automatically enrolled into Part A & B of Medicare. Social Security Administration can guide you and they help to enroll folks into medicare. Did you get information about Medigap policies vs Medicare Advantage?
It’s a government scam.
Just like taxes. The IRS totally knows what each of us owe or have overpaid and could just send a bill. Instead we have this mukti-page, complex maze of forms and instructions to swim through each year.
@@joannemcardle1848 The IRS does not know "what each of us owe or have overpaid". Some of us are not W-2 employees and have varied income from independent contracts not reported anywhere other than on our individual income tax returns. Some of us have deductions that are not reported anywhere other than our personal tax returns. There are plenty of "traps for the unwary", in which you may end up paying penalties and interest for failure to file or pay something on time.
They need to provide interactive flow charts.
They tried to, but the lines kept getting tied in knots and the arrows kept bouncing into each other.
THIS SYSTEM IS BUGGED, NEEDING DEBUGGING🤢🤮🤢🤮
Even with all these explanations regarding additional medical care and future needs on TH-cam, I'm still very confused. I'm 68 and feel so much pressure to hurry up and make a decision, any decision. I feel paralyzed because my future self is unsure of what I may need. Hopefully my lawyer can help me out. It's way to complicated, and with trump in charge, who knows what may happen. I'm glad to find other like minded folks as confused as me. I fell less of an idiot.
Trump was your BEST shot at decent healthcare.
Your lawyer is not a professional in Medicare! they hold events in the area for medicare at libraries and all kinds of places, seek a professional in the right area. Medicare specialist and I am not saying senior centers,, they are not qualified either. Find a event to go to they are free.
The area I am living in has a serious Hep A Problem going on now. I am not finding that Medicare covers the vaccination. I hope I am missing something. Help anyone?
Thanks for all the detailed information you have provided in this video. I like your way of explaining every point. Keep sharing such great videos in the future also.
😂😂😂😂😂😂😂😂😂😂😂
There was no explanation. It was all BAFFLEGAB.
Your right it shouldn't be that hard I have coverage through employer and I don't want medicare right now Can't they just tell me what I HAVE to sign for right now
Don't know about your employer, but often employer-provided insurance will pay the difference between what Medicare pays and what the company policy would pay. In that case, it doesn't really make any difference to the employee.
Can someone just tell us in simple terms what is the best plans to have?
Clear as mud🤪
Karen. No they can’t.
lol only when the dust settles. Trusted Medicare Advisors should be accountable to their clients each and every year and its 100% FREE service to the Medicare Beneficiary.
#MedicareMadeClear
If you enrolled into a Plan great! If you feel your Medicare Premiums are higher then your friends premiums, Call a licensed and trusted Medicare Advisor for a second opinion.
Yes. Go to an insurance broker and they can look at your specific circumstances and advise you.
I'm the same person are medical advantage plan charge us money later on for our services we get from them,? Beside Medicare pay them from the monthly payment we do ?
But can I switch from original Medicare to Medicare Advantage if I am also on my spouses employer insurance? I know it is allowed to have secondary insurance when on original Medicare.
It's actually very simple and easy to understand, but it seems the people at Medicare just want it to be more confusing. If you have Medicare A and B and your former employer's health plan, you have all of the coverage you need. A Medicare Advantage plan (Part C) is usually offered by a health company (such as Blue Cross/Blue Shield) and rarely covers you as well as when you carry your former insurance company. Although they may tell you they cover dental and vision benefits, they usually only cover one cleaning per year and half price for frames and lenses. You're better off without it in just about all cases. Part D, the prescription coverage, will be picked up by your former employer's plan in addition to what Medicare doesn't pay. All of my doctors accept Medicare as full payment for their services. Check with your physicians. Another negative thing about a Medicare Advantage Plan is that you usually have no choice of providers and it works similar to an HMO. Not a good choice, IMO. It's often a rip-off from some companies in terms of not getting what you thought you had paid for.
Do a customized search at medicare.gov. You can enter all your medications and the search engine will find and rank all available plans in your zip, by annual out of pocket cost, including the premium. The advantage of the Advantage plans is that there is no addtional premuim beyond your Part B premium. Of course your former employer's plan will be better coverage. But it's very rare that an employer will grant extended group coverage at no cost. For most folks, the Advantage plans are the best deal.
I receive all of my healthcare through the VA. I DO NOT WANT PART B. I can't afford the Part B premium. How do I decline Part B?
Part B is optional however if you decide later after turning 65 you may be penalized
Look into extra help for part b with the state medicaid office.
Penalized forever if you apply for part B later.
I have a hmo,did'nt know i had a choice.some doctors tell you they no longer take hmo's,they pay to slow so what do you do?i'm surfing to web to compare info,i hope that will help me ,turning 65 so confuseing
+Cynthia Strahan I just saw this post you made several months ago about your frustrations with Medicare and turning 65. Obviously, I don't know your current situation, but if you still want to see what choices might be available for you and if you qualify to save money then click here >>> medicaresupplements4you.com/ for a free quote.
Hope you found the right fit for your Medicare situation. Did you find a place that meet your needs?
Remember you can shop your Medicare Plans during Open Enrollment Period (Oct 15th - Dec 7th)
Cynthia Strahan I am in an HMO as a result of my employer benefit. On Medicare.gov it says it is illegal to obtain a medigap insurance if you are in an HMO. I live in California. WOW!
It is thought up by our beaurocrats in government service and elected officials who are mostly attorneys. There ought to be an intelligence and common sense test before becoming either, or when things are passed into law.
There also needs to be term limits in Congress. Age limit of 70 & cognitive testing for presidents so we won’t get another Joe Biden.
@@cberry6751 AMEN to that!!
Wbat happens in europe is it similar?
How do I now sign up for Part B if I did not originally sign up for it because of my spouse's insurance?
If you have a my socialsecurity.gov account you can do it online. Otherwise you will go down to social security.
facebook.com/medicarespecialistpro
I just got off the phone with Optima Medicare Advantage who told me I still have to pay part B separately. In this video you say Advantage plans cover part B. Which is it?
+John Dozier Medicare Advantage plans also cover part B services or benefits, but you still have to pay the Part B premium due whether you go the original Medicare route or the Med Advantage route. The only exception to that would be if a person were on their state's Medicaid program because of low income, then the Medicaid program might pay a portion or all of the Medicare Part B premium. Hope that helps clear it up John.
Yes, Thanks.
Good Catch John! Medicare Part B Premium is taken out of your social security. Part A is usually "FREE" to most Medicare Recipients. However it states in your Medicare & You guidebook that it is required to be enrolled in both Part A & B to enroll into a Medigap Plan(Option 1) or Medicare Advantage Plans(Option 2) Replying to this so folks can learn from your question years after. Michael C. Fischbach
I had to prove I had other insurance to get my $ back for B. They take it out 1 month before you turn 65 yrs old. I had to figure out why my ss went down that month. Not right, without asking us first!
Is it true that in medical advantage plan never we will pay them. My question is. If medicamentos advantage plan . Pay 100% who will pay for everything we have with them? I think on this world nothing is for free. Is it going to charge us money later on? Beside Medicare is paying them with the monthly payment we do toedigare?
Medicare Supplement companies (Medigap) capitalize on this confusion.
That is precisely why these 'helpful insurance agents do not charge' because they get paid when you buy GAP or ADVANTAGE thru them. Every one of them want you to get a GAP plan, costs more so they get more.
Gary - Medigap insurance is tightly regulated and limited to a small number of coverage plans. The more popular Medicare Part C (Medicare Advantage Plans) are the ones who are confusing, and require that your doctor(s) be "in-network", and have a lot of fine print that one must read before signing up. Reading the fine print is necessary once a year during the annual open-enrollment period mid-October thru early December. That said, if one is relatively healthy, one can save a lot of money with low or even zero insurance premiums for a good Medicare Advantage plan (Part C)
If we are listening to original, supplemental, part B, Part A, with plans in the network oor not, with coinsurance and monthly extra coverage and plans for D, etc etc, Medigap, and part premiums etc etc. Then it is a system which is too complicated. In Europe we pay once into a state system, no messing around. And NOTE the USA system is rated 42 nd in the world.......wow, what a mess.
As Winston Churchill once said about Americans, “You can depend upon the Americans to do the right thing. But only after they have exhausted every other possibility.”
No shock there.
Thanks
All I wanted to do was find a
Medicare/Medicaid doctor near me. It seams that that is one of the hardest things to do. Lord help me please
Are you under a specific plan? If so their customer service has a department to help you find a doctor by using your zip code.
Just call up a doctor you may want and ask them if they accept Medicare. If you use the internet, you can look up doctors and most of them tell you if they accept Medicare or not online.
You speaks very smoothly understandable thanks
How do you get Medicaid to cover medicare? A friend just got medicare but cannot afford it. Please help me so I can help her. Thanks in advance
I’ve been on disability for 19 years from Rsd I had magnacare through my spouse as primary but now I’m divorced how do I get drug coverage and a secondary. I’m a single mom disabled I livre in New York on Long Island
I never new anyone that has red like I do like to here your comments on it how it's change your life sincerely, Cindy halfaker
I think you have to be 66-66 to get medigap. I am really happy with part g. Thrilled. But I can't find a decent part D. I prefer original Medicare to advantage.
True it is complicated, but you should find a trustworthy advisor to help you sort through the clutter! There is a cost to having truly comprehensive Medicare coverage, but it's worth it in the long run. An advisor who has YOUR best interest in mind, will ask you some important health and financial questions to narrow down your choices and add clarity to this issue.
They should all be trustworthy!
@@eileenlarson1461 good luck with that !
Great thought, an advisor, maybe somebody who has navigated this bureaucratic (g-rarted) crap
I am 66 and working and covered by employer, Planning to retire in 1 month when do I apply for part b?
you can apply for Part B now for it to become effective when you lose your credible coverage (employer insurance) you will need to fill out form CMS-L564 which can be found at www.ssa.gov, just search the form number and it will come up. Once completed turn it in to Social Security.
When a person presents their insurance card, how am I to know if it's a medigap plan or an advantage plan? To be clear, is the Medigap "in addition to" Medicare A/B and are the advantage plans a replacement to Medicare A/B?
Usually a Medigap plan will have a letter A through N. Most common Medigap plans are plan F, G or N. An advantage plan will often times display deductible, copayment and coinsurance amounts on the card or it will say HMO. If in doubt, you can always call the insurance carrier's phone number on the back of the card. Medigap is "in addition" to Medicare A/B. It picks up the "gaps" left by A/B. If you get an advantage plan, even though you still pay for the monthly Part B premium you technically are replacing Original Medicare Part A & B. Once you are covered by an advantage plan, you will receive coverage within a network whereas with Medicare Part A&B plus a Medigap you can receive coverage anywhere in the US, any doctor who takes Medicare including specialists and you do not need a referral. Some Medigap policies will cover foreign travel at 80% in case of emergencies. Hope this is helpful. If you have questions, please visit www.medicareline.org and contact me directly.
Thanks John!
You are welcome!
Wow thanks for breaking that down John. That's exactly what I needed to know for my mom. I'm going to read your website now.
The insurance card must clearly state the letter plan if they have a Medigap Policie. Examples, Humana Medicare Supplement Plan F, Cigna Medicare Supplement Plan G, Aetna Medigap Plan N.
Medicare Advantage(MA) will typically have info stating the network (HMO or PPO) and Prescription Drug coverage is included in Medicare Advantage Prescription Drug(MAPD) plan cards
And Yes! The Medigap letter Plan has benefits that can cover 20% gap for both Part A(80% Hospital Insurance) and Part B(80% Medicare Insurance) depending on the Plan that you choose.
how does medicare and medicare advantage plan work with V.A. health care.
Hey @Fred Burtch look at @@Jeff Donohue 's comment. He's on VA & Original Medicare(A&B) coverage.
I've been on part D for 10 years, and I have secondary insurance I pay myself thru my union. I'm retired. Should I also look at a Medicare Advantage plan ? Thanks
john g You will have to pick one or the other. I’ve always seen some unions switch from Medigap-like policies to Medicare Advantage-like policies. It’s very important to sit down with a trusted advisor and read through the details so that you can make the best decision for your family!
I’m don’t think Medicare advantage is a good option. My understanding is that they are HMO’s with limited doctor choices. They have to cut something to provide those extra benefits so what are they cutting?
I don' t know about what the difference is with all the medicare plus plans
Medicare Parts and Plans are sometimes mixed together. Did you figure out if the plan was a Medigap or Medicare Advantage plan?
Can a person who has been on an HMO change back to original Medicare and get a supplemental policy or a medigap policy?
The answer is yes, but can vary depending on Medical Conditions. It's best to have a trusted advisor.
Yes
@Inovaare Corporation Making compliance easier!
I retired at 63 and get MassHealth. How does this affect me?
Michael is there a way to get in touch with you?
I have a ? What does Q.M.B. stand for my Shba person told me I have it in my plan
That was clear as mud.
i dont understand what i should do do you us your husband your on first as the primary and medicare as secondary or the other way around i've been told to many different ways
Try writing that in English people can understand.
EXCELLENT.
i received , Medicare Summary Notice , for part B (Medical Insurance) and I am trying to understand how to read this. can each section be explained to me? Is there any sites or Apps that could make this eaiser
Sally, you can get a better look at your Part B claims through your online Medicare account at www.mymedicare.gov.
Best and Fastest way to break it down is to have your Medicare and You book & Choosing a Medigap Policy booklet(both Government Publications) and get in touch with an experienced licensed Medicare Advocate in person or over-the-phone. The way I help america's best generations is over-the-phone or online because I'm able to help more folks across the country. Some people like to take a pen and note pad to help understand their rights and options. Their are in-person options as well like your State Health Insurance Program offices. Michael C. Fischbach
I feel like senior citizens are paying more than ever for the privilege of having Heath Care. My husband & I each have THREE separate payments to make
1.. Our Medicare premium deducted from our Social Security allotment,
2. Our premium for our supplemental policy
3. Our premium for our part D drug plan!
The payments increase ever year except for 2023 after we were bilked in 2022.
Then there are the deductibles which also increase ever year.
Also our supplemental insurance increases premiums by age! I’m not sure based on our fixed income that we can afford to get much older.
Much more difficult than previous years
This is no bargain.
I am about to turn 65 and I currently have TriCare Prime. As I understand it I will be getting Parts A & B, and I am OK with that. I also understand that I will have to switch from TriCare Prime to TriCare for Life. My confusion comes where I don't understand if there anything else that I am suppose to sign up for? Additionally where do you get help to get the questions answered?
The answer to your question is yes and no. I'm a licensed Medicare Insurance Agent in Oklahoma, do you live in Oklahoma? If so I can help you understand how this is going to work.
As a licensed insurance agent, I can tell you have the best health coverage available to any human being..so there is no need to look else where...any person affiliated with the armed services and their dependants/spouses is eligible for this government health plan. Tricare (styled TRICARE), formerly known as the Civilian Health and Medical Program of the Uniformed Services (CHAMPUS), is a health care program of the United States Department of Defense Military Health System. So if you have this type of coverage, you need to stick with it, it doesn't compare.
@@IDgal1966 you are correct. With Tric4life you have your part D and health coverage
@@IDgal1966 I have ChampVa currently and was told by them I can keep it after I turn 65 next year and get Medicare A/B. I would basically be using it as the supplement/prescription plan. Anyone know if that's any good?
Shingles is not covered under medicare, in my area the shingles shot is $350.00
The vaccination IS covered. call medicare or your dr. It's not cheap, but it is definitely covered
@@genelda.sfromtexas5278 The shingles shot will be covered by the part D plan of your medicare plan. A private physician office will usually make the mistake of billing medicare Part A or B, and the claim will be REJECTED! To make sure that the billing is handled properly, and not rejected by being incorrectly to Medicare Part A or B....get your shingles vaccination at a PHARMACY because they are more likely to correctly bill your Medicare Part D plan, and avoid this common billing error. Does this make sense?
@@SuaveBolo I agree. Go to a pharmacy.
Watching this for GERO class lol
I have Medicare Part B only and i cannot get Part A at all even if i try to buy it i was told because i got disabled at 20 years old with 23 credit hours and i was cheated out of 13 credits. I know people right now that a few has worked around 3 years and they are a little over 65 with Parts A and B. Their parents worked but was paid under the table as they say so how can they get both parts when some people that has really bad health problems and I'm one. Women are treated different than men i found out by an agent that works for an insurance company that helps you get on Medicare if needed. They really do not care about your Disability at all and why is it you have to be 65 to get your card? Because they know you are old and may not live that long so then they do not have to pay anymore out on you.
Does this grant only cover peop;e addicted to pills and opioum herione usuage
Allright
This was very helpful....very concise and informative. Thanks
Cool! What option was best for you?
Left me feeling more confused! I'll have to re-watch!
Cuanto se paga por medicare
Likes the service
HATE VIDEOS with no transcription. Truly unfair for those with hearing impairment. Please give me the text.
click on the 'CC' button for help.
Text or direct message me with your Medicare Questions. I will reply . Michael C. Fischbach
I am totally confused by all the TV ads from United Health Care stating you don't have to pay a monthly premium. Is this some kind of trap? Who pays for the monthly premiums? y say you get money back every year. Are these ads trying to rip us off or piss us off? I don't understand how it works. Is this for real? I would appreciate an answer. Thank you.
Joan McCullum, Here’s a military tune that answers your question. “They give you a hundred dollars and take back ninety nine.” They= government
new card i hope this stop id theft.
Medicare makes me 😵💫 so freaking confused…. Why why 😭
I am a 71 year old Vietnam Veterans. During this current year the Veterans' Administration has me listed at 100% Disabled/Service-Connected.
I started getting Medicare Part A on 03/01/2012 and Medicare Part B on 06/01/2015. My VA Doctor appointments and VA Prescriptions are free for me, so my question is: Do I still need to maintain Medicare Part B or can I drop it because I have free lifetime medical care and prescriptions for the rest of my life? Thanks for your prompt response.
Mr. Donahue, it is best to ask VA. You do not want to be in a situation in which VA sent you a bill because you did not have Medicare part B. Medicare is primary at at age 65 and thereafter. If you withdraw part B of medicare, you could be in for nasty bill for medical procedures that are suposed to be covered by Medicare which is best to have and not needed than the other way around.
Thanks, @@neglidsanro4347. It appears that I'm better off keeping both Medicare A and Medicare B while still obtaining medical, dental and optical care and prescriptions from the VA at no charge because of my 100% Service-Connected Disability Rating.
Do not drop it! You must continue to pay Part B even with VA Benefits.
Thanks Beverly Coleman. I appreciate getting your advice also.
@@SilverTongue047 in addition there is a 10% penalty for every 12 months you should have had but didn't have part b
It’s disgusting! Awful to try to navigate and make informed decisions! So convoluted!
Absolutely @Linda Cullen . th-cam.com/video/c2Nszbzn0AQ/w-d-xo.html
Hi
Ok, so I just looked through the entire website to try and figure out exactly what "Original Medicare" covers. I found this video and thought it would answer my question. So far, all I can decipher is that "Original Medicare" covers "in most cases 80% of costs". So can I assume any bill I get I will have to pay 20% of? I am retired after 30+ years in IS and this website may be the worst I have ever seen for getting information in a concise and intuitive manner.
Yes if you only have Original Medicare you will have to pick up the 20% that is why many people look into Medicare Supplement plans or Medicare Advantage plans.
Go to Medicare.gov
It is sad. When you most need assistance…
Old age is not celebrated or supported.
I just LOVE how the Government thinks that this is actually a clear explanation of Medicare. I have never been so confused by an explanation in my life. I have an MBA and have worked in industry for 35 years, very successfully - this completely confuses me. My private insurance plan has done a much better job and helping understand what I need to do, why I should, and what may affect me decisions. Ron Reagan used to make a joke of saying, with great sarcasm, "We're from the Government, and we're here to help." It's funny, except it's not.
I need my medicare card
Call Social Security @ 1(800)772-1213 for a replacement. Plus the NEW Medicare Cards will be mailed out April 2018 to April 2019
call local Social Security office.
Buena idea pero lo va guitar donald
Debe está esa información también en español
Why ? Learn English
Its not illegal to sell someone a medigap policy if they have a medicare advantage plan, they just have to tell the customer that they will need to CANCEL said medicare advantage plan.
Dangerous question / statement @CGJ7755.
The answer depends on the time period on when the Medicare Beneficiary enrolled.
Are you asking if its in their initial enrollment period(Turning 65)? Then no because they have a window of time to decide which one to keep.
However if it's out of their open enrollment, not a special election(Moving out of area/state) or NOT during the dis-enrollment Period, then is it illegal to solicit and enroll a medicare recipient on to a Medigap letter plan who is currently on a Medicare Advantage Plan.
In plain english Medicare Advantage plans are 1 year contracts. They are a replacement of Original Medicare(Part A & B). When you enroll into a Medicare Advantage(Part C), you are essentially disenrolling from Original Medicare because Medicare Advantage is a replacement option.
You are able to switch off of Medicare Advantage and enroll back into Original Medicare(Part A & B ) during certain times of the year. However you may have to health qualify(underwriting) for a Medigap Plan if the Medicare Beneficiary is outside of the guarantee issued open enrollment period surrounding their birth month or special election period(Switching off of Employer or Group health coverage).
Michael C. Fischbach
This is so confusing. They expect people to understand this mess. It is truly a mess!
It’s easier to screw us if we can’t understand it
Agreed @Danni B th-cam.com/video/c2Nszbzn0AQ/w-d-xo.html
Luis Gómez
It is great to have options, work with a licensed insurance agent who represents multiple carriers (a broker). The Broker like myself should not charge a fee as we get paid by the insurance carrier. If you are in WI look us up to assist!
Insurance is nothing more than legalized money Laundering in my MORF Opinion...
How can I trust someone who is getting paid by the insurance company to sell their insurance?
@@barbnelson9386 Look for licensed and reputable agents, understand policies before signing, and work with someone transparent, communicative, and committed to your needs. Remember that agents have a legal and ethical obligation to act in their clients' best interests. Do not work with a agent if they charge you a fee.
National embarrassment that even with an information video I still don't have a clue for what I'm covered.
Yep. And I’ve watched SEVERAL informational videos
a