My sister will be turning 65 later this year and I have been suggesting that she watch your videos to learn the lingo of Medicare and her options for enrollment. You do a really great job.
To Red Oscar: Good looking out for your sister and I bid you and her the best. Keep binge-watching these videos to perspectively retain every insurance nuances and parlance possible. ----------¶------- There is also a timeline aspect of life where the "Medicare young" are ready to roll, but need to consider possible -- and inevitable rocky outcomes down the road. She may not want to over-insure now -- when she may need to "premium splurge" later.
She is lieing about some of the things . I have a medicare advantage plan. And love it. No copay for pcp. 20.00 copay for specialist authorizations for surgical plus other procedures is true but not to cut costs. That is a lie. Authorizations are yo determine medically necessity. I previously had a plan that did not require authorizations. And doctors wete do all kinds of weird things that fid nothing for me except take my money. Authorizations prevent that. I have not had any procedure denied znd not authorized. I am also a retired medical insurance claims examiner so i know what I am talking about. Medicare advantage plans are great
Your videos are very useful and provide lots of information. I have received lots of help, please continue to share this kind of information. Thank you.
Most of the HMO plans no longer require referrals to see specialists for 2021. They’ve definitely come a long way with the plans. Of course a Medicare supplement policy is ideal if they can afford it.
They are the next best option if a supplement plan is not possible. Folks who are healthy and don’t have a lot of medical needs benefit more financially than those who use their plan frequently and have to undergo procedures, hospitalizations, and frequent doctors visits. Also, if you get cancer, your treatment options can be limited by the approval of the advantage company and most in house chemotherapy infusions you will pay %20 which can be financially devastating for some.
So it appears that the PPO advantage plan is the way to go if you don’t want to or can’t pay for the G plan. What is the best two companies for a PPO plan?
@@geofgelinaclu7850 it depends on your area and the plans available there. Please give us a call (888-465-9728) or email stephanie@abtinsuranceagency.com and we would be happy to assist!
Good and helpful presentation but some of us are veterans with VA medical benefits. The VA like Medicare has coverage gaps. I happen to need dental and expanded vision coverage. Can you address plans that supplement VA COVERAGE.
The reason why I didn't choose MA plan was because it reminded so much the HMO and PPO plans that were options when I was working. The fact that you need to ask for approval on virtually everything looked annoying. In Oklahoma your limted to the counties you live in. There were no 'National" plan coverages. So if you don't like to travel, in my state, this may work for you. Secondly, when I was working full-time, the 80/20 plan Major Medical deductibles gradually increased over time. That's why I wouldn't take a MA for anything. I am have very happy with my traditional medicare plan. Also traditional medicare saved me alot of money compared to the retiree plan my past employer offered. It was a "community" plan where everyone that joined had the same monthly premium minus vision, dental, and life insurance....double the premium I am curretly paying. It was worth it to ask alot of questions and do research. Like they say, there's no free lunch. Stephanie your the BEST!!
All very interesting but she leaves out the most important fact (at least to me). If you sign up for Medicare advantage for two years (1+1) and at the third year decide you want to go back to Medicare, it’s not that easy. Medicare will almost with certainty have you go through their underwriting process to see if they want to readmit you. They don’t have to readmit you. They will do a deep dive into your medical history and if they don’t like what they see, you can be denied re admittance or have your rate raised to a point where it doesn’t make sense for you to come back in. Just like any other insurance company. Then, if you have major health problems in your future, get denied re-admittance back in to Medicare and have to go back to another “advantage plan” the “no cap” out of pocket costs loom large. Congress is talking about capping OPC in 2025, but who knows how high that cap will be or even if they’ll do it? I have never heard an insurance agent discuss this VERY important point. Should be mandatory disclosure. Shame on you Joe Namath! 😮
You can always go back to Traditional Medicare. Underwriting is involved if you wish to go to a Medigap/Medicare supplement plan with traditional Medicare down the road, and i cover that in much depth in my other videos. th-cam.com/video/6EDXHe2IKXw/w-d-xo.html An excellent point though!
Can you explain more about how the out of pocket expense (6,400) works with MA plans? Do you pay the whole $6409 at once or does each co pay amount go towards that total amount? Thanks
Great question! Each copayment and coinsurance payment counts toward your Out of Pocket max. You’ll also want to be aware that only I network services count toward your in network out of pocket maximum. I hope this helps.
@@AbtInsuranceAgency, thank you! What if you have a major surgery that cost thousands of dollars that is over the out of pocket amount? Do you just pay percentage that goes toward that amount?
Hi - is CA a popular state for medicare advantage? Also I am wondering what the main selling point is for a Medicare advantage plan vs a regular Medicare plan. Why would someone want to switch? The minute I heard these are managed by private health ins companies was a sucker punch. I'm a 42 old who recently has had some health issues and getting United health care to approve much needed services has been a nightmare. Also my girlfriend has had issues too. Both of us have corporate plans and we gave had to pay out of pocket for services that should be covered under our plan, like CT scans and other type tests that out drs have issued as well as appealed, and still no approvals and we had to pay out of pocket. It was an eye opening and costly experience. The reason I would like to know what the main value is to getting an advantage plan is due to me looking at getting into the business. Would hate for a senior to get an advantage plan and get need services denied by the private ins company managing the plan, same thing that happens to me. Thanks in advance. For your reply.
For some people and Advantage Plan can be a hood fit. It depends on your needs and your budget. In any case, it’s important to understand the ins and outs of all of your Medicare plan options. A good independent broker will generally represent multiple plan types and options. Let me know if you have any other questions!
I moved to Las Vegas last year 2020 . My insurance in California which is Kaiser does not cover Nevada so I enrolled in HUMANA . I have two retirements CALPERS which is CA state retirement and SSS. My question according to CALPERS they are contributing an amount to medicare so also SSS both are deducting those amounts from my pension . I don’t understand why . Please help me to understand until now I’m still confused how my insurance works now that I’m retired from my job since last year . Thank you for your great informations I read from previous topics.
Vicky, it sounds like you have a pretty specific situation. Please call or email us directly and I would be happy to try and assist! stephanie@abtinsuranceagency.com or 888-465-9728
Kygent508. Nor whom to trust. This is akin to day- and investment stock trading TH-cam sites where these amount to gambling and the possibilities. No one knows for sure where the stock is headed from one minute to the next -- nor when unforeseen circumstances rear their heads.
Why all the discussion about in or out of network? I have a supplemental G plan and there are no networks. Why would I want some bureaucrat to limit my healthcare options???
Does the Medicare advantage plan pay for dental work? Like crowns plus all dental work? I’d just changed my plan to the advantage plan. Hope this was a good choice to make. I’m 70 years old now also have MS immune disease . Live on my social security just apply for Medicare for extra help I’d really need that.
My understanding you have to see doctors in their networks my Dr informed me she would be out of network id have to pay for each visit and I see her often.
There is an initial enrollment period beginning 3 months before the month in which you turn 65, the month of your 65th birthday, and three months after. If you miss this enrollment period there is an open enrollment period January 1 - March 31. You could also see if you qualify for a Special Enrollment Period based on certain qualifying life events
I hope everyone knows if you have any other supplemental insurance you lose it and can’t sign up for it again till the next year of sign up for your type insurance if they have one! It’s very risky!
Generally Medicare pays first and Medicaid pays second. This document explains more : www.medicare.gov/Pubs/pdf/02179-Medicare-Coordination-Benefits-Payer.pdf
Does the Out-of-Pocket expense also include your drug coverage? With a pre-existing condition or a major surgery, a person might hit the Out-of-Pocket expense before reaching the gap.
I know this is late. Generally the MOOP is what ever is left over after copays. Many stand alone Part D plans have a deductible for certain tiers. Essentially, whatever is left after the deductibles gets added to the MOOP. Once you reach that, services are 100 percent covered for the remaining year
My husband is turning 65 at the end of the year! He had a stroke earlier in the year. What plan would be better for him because of the “ pre-existing” medical issue🙏
The ACA prohibits plans from refusing to cover or charging you more for pre-existing health conditions. Just make sure the plan you are using is ACA-compliant.
Am at full retirement age but am still working. Will be collecting social security. I do have health and dental coverage from my place of employment. Would you advise me to ADD part C or is that not advisable at this point?
My husband and I are over 65 and military retired. We have Tricare and Medicare. We also have dental and vision which is provided at cost by the military to retirees. Would it be to our advantage to look into Medicare Advantage?
Most people with Tricare for Life don't option for alternative/additional coverage based on my experience, but I'd be happy to chat about your options - give us a call at (888) 465-9728.
Medicare advantage is not Medicare...it's private insurance and does not cover hospital bills...these private insurance companies get you to enroll but make it difficult to switch back to medicare
I’m 65 and have Kaiser HMO Medicare advantage plan. I have part A and B. We plan to travel out of the US about 10 to 11 months out the year. Am I covered?
I turn 65 around the 1st week of June, now I will have Medicare little health problems, what plan would you suggest living in IL ?? I'm only on SS income. Thank you..
Is medicare advantage plan the same as medicare part "C" If so then a newly 65 year old (since Jan 1 2020) cannot by a plan C (medicare advantage) or a plan F correct?
Great question. Part C and Plan C are two different things. Part C = Medicare Advantage, and it available to all Medicare beneficiaries. PLAN C is a Medigap Plan, not available to newly eligible beneficiaries. They make it about as confusing as can be! 🙃
I currently have parts A and B. This is the first time I've heard that you can only get part C if you also have parts A and B. I have a friend who's on medicaid so I guess that's different for him. He only pays for c. I would like to be able to seamlessly carry health insurance while living abroad part time. Is there a good way to do this?
Yes Advantage plans have a maximum out of pocket. I wouldn't want a plan that didn't have a cap. This means you could go bankrupt paying your share of cost. Kind of like Original Medicare which has no limit on out of pocket costs. So that 20% could be 20% of 500.00 or 20% of 50,000.00.
Hai mam i am from india i working for medicare Part c we providing lower co pay enhanced dental vision hearing Aid free transportation it's totally free of cost. And they recive cash back $170 every month
As a physician, I have Medicare number and I am being told I can’t charge patients for covered services unless I opt out of Medicare. Is this the case for Medicare advantage plans as well?
Sorry! I found the answer myself! I am just trying to escape from the insurance trap and found out I have to opt out of medicare if I want to charge them cash for my services. I also found out that the managed care plans are like private insurance and need to opt in. Thank you! Video is great!
The co-pays are not always “very limited” , they can be quite large for certain services. Additionally on most Advantage plans you’ll be responsible for 20% of the cost of durable medical equipment and cancer medications etc.
Stop. Once you go to a medicare advantage plan you can't go back to original medicare without an extensive physical examination. Once in medicare advantage plan you can't just go back to original medicare.
Hello Stephanie, when helping Seniors, are Seniors notified a) that the Original Medicare is NO LONGER in effect if the Senior opts into that PART C / Medicare Advantage Plan? b) that the Max Out of pocket seems safe YET that providers are significantly limited? c) the HMO requires in-Network & Referrals to Specialists? ✨✨✨I know a current Senior who is desiring cancer treatment & chemo. She’s not yet “approved for service” a full 120 days after diagnosis. This is an ETHICAL issue.✨✨✨ All for a $0.00 / month Premium #MedicareAdvantagePlans
Oh, yes. We warn our clients about ALL of the potential risks and downsides of Medicare Advantage, and we always present them with both options (Medicare Advantage versus Original Medicare + Medigap).
You are not telling the full truth. $6,000 is a very high out of pocket. I have medicare advantage and my out of pocket max is no were near $6,000. Pcp with no copay. Specialist $20 copay. Authorizations are to make sure certain procedures are medically necessary. It is not to cut benefits. That is a lie. No procedure that i have had done has been denied. Doctor sometimes do things that make no sense and it’s not medically necessary which I have noticed before I went to an HMO. These doctors did a bunch of weird stuff that wasn’t needed to me so don’t tell people that it’s to cut expenses because that’s not true they’re gonna do a bunch of weird stuff. Just get more money out of you.
@@AbtInsuranceAgency Understandable. After a year of broadcasting from home due to covid, I still see network journalists that have terrible acoustics! That's unforgivable in 2021! You look great in any case! 😊
![จบจนได้ ! | Black Myth: Wukong #007 [ตอนจบ?]](http://i.ytimg.com/vi/DSqvWndF0sw/mqdefault.jpg)
My sister will be turning 65 later this year and I have been suggesting that she watch your videos to learn the lingo of Medicare and her options for enrollment. You do a really great job.
Thank you so much!
Totally agree with you. I have watched a lot of different videos and Stephanie’s simple/logical approach is second to none.
@@youngtimer964 Thank you!!
To Red Oscar: Good looking out for your sister and I bid you and her the best.
Keep binge-watching these videos to perspectively retain every insurance nuances and parlance possible. ----------¶------- There is also a timeline aspect of life where the "Medicare young" are ready to roll, but need to consider possible -- and inevitable rocky outcomes down the road. She may not want to over-insure now -- when she may need to "premium splurge" later.
She is lieing about some of the things . I have a medicare advantage plan. And love it. No copay for pcp. 20.00 copay for specialist authorizations for surgical plus other procedures is true but not to cut costs. That is a lie. Authorizations are yo determine medically necessity. I previously had a plan that did not require authorizations. And doctors wete do all kinds of weird things that fid nothing for me except take my money. Authorizations prevent that. I have not had any procedure denied znd not authorized. I am also a retired medical insurance claims examiner so i know what I am talking about. Medicare advantage plans are great
I have 30 years in the biz and must say that you are Really Good!!!!!
Why thank you!
Very pretty also
Great explainer video. Thank you.
Glad it was helpful!
Great content Stephanie I live in New York City and they are using this program without explaining it. Thank you again
Thank you for watching! ☺️
Your videos are very useful and provide lots of information. I have received lots of help, please continue to share this kind of information. Thank you.
So glad to hear that!
Excellent presentation, Stephanie. Thank you.
What is your opinion on Medicare Advantage? I'd love to know!
Most of the HMO plans no longer require referrals to see specialists for 2021. They’ve definitely come a long way with the plans. Of course a Medicare supplement policy is ideal if they can afford it.
An Advantage plan would be more attractive if the MOOP was less. Say around 1/2 of what it is presently at.
They are the next best option if a supplement plan is not possible. Folks who are healthy and don’t have a lot of medical needs benefit more financially than those who use their plan frequently and have to undergo procedures, hospitalizations, and frequent doctors visits. Also, if you get cancer, your treatment options can be limited by the approval of the advantage company and most in house chemotherapy infusions you will pay %20 which can be financially devastating for some.
@@9929kingfish maybe worst of all, you can get “stuck” in an advantage plan and not be able to move to a supplement.
Great option for the sub-65 disabled, low income with chronic condition, duals and those that get QMB and LIS. PPOs are the best way to go.
Thanks for this presentation, helped my understanding a great deal.
My RX plan is awful.I save so much money by using Good RX gold.
Stephanie, always such great and easily presented information!!!
Thank you Emily!
Thank you Stephanie! Excellent teaching.
So it appears that the PPO advantage plan is the way to go if you don’t want to or can’t pay for the G plan. What is the best two companies for a PPO plan?
@@geofgelinaclu7850 it depends on your area and the plans available there. Please give us a call (888-465-9728) or email stephanie@abtinsuranceagency.com and we would be happy to assist!
Again thank you for your help!!! Excellent work!
Good and helpful presentation but some of us are veterans with VA medical benefits. The VA like Medicare has coverage gaps. I happen to need dental and expanded vision coverage. Can you address plans that supplement VA COVERAGE.
The reason why I didn't choose MA plan was because it reminded so much the HMO and PPO plans that were options when I was working. The fact that you need to ask for approval on virtually everything looked annoying. In Oklahoma your limted to the counties you live in. There were no 'National" plan coverages. So if you don't like to travel, in my state, this may work for you. Secondly, when I was working full-time, the 80/20 plan Major Medical deductibles gradually increased over time. That's why I wouldn't take a MA for anything. I am have very happy with my traditional medicare plan. Also traditional medicare saved me alot of money compared to the retiree plan my past employer offered. It was a "community" plan where everyone that joined had the same monthly premium minus vision, dental, and life insurance....double the premium I am curretly paying. It was worth it to ask alot of questions and do research. Like they say, there's no free lunch. Stephanie your the BEST!!
Thank you!!
Great presentation Stephanie! I've Subscribed to your channel😃
Thank you!
Well presented and easy to follow. Thanks!
☺️
Thank You , very good presentation.
All very interesting but she leaves out the most important fact (at least to me). If you sign up for Medicare advantage for two years (1+1) and at the third year decide you want to go back to Medicare, it’s not that easy. Medicare will almost with certainty have you go through their underwriting process to see if they want to readmit you. They don’t have to readmit you. They will do a deep dive into your medical history and if they don’t like what they see, you can be denied re admittance or have your rate raised to a point where it doesn’t make sense for you to come back in. Just like any other insurance company. Then, if you have major health problems in your future, get denied re-admittance back in to Medicare and have to go back to another “advantage plan” the “no cap” out of pocket costs loom large. Congress is talking about capping OPC in 2025, but who knows how high that cap will be or even if they’ll do it? I have never heard an insurance agent discuss this VERY important point. Should be mandatory disclosure. Shame on you Joe Namath! 😮
You can always go back to Traditional Medicare. Underwriting is involved if you wish to go to a Medigap/Medicare supplement plan with traditional Medicare down the road, and i cover that in much depth in my other videos. th-cam.com/video/6EDXHe2IKXw/w-d-xo.html
An excellent point though!
Such a great information Stephanie
Enjoyed this presentation.
Thank you very much for information
Can you explain more about how the out of pocket expense (6,400) works with MA plans? Do you pay the whole $6409 at once or does each co pay amount go towards that total amount? Thanks
Great question! Each copayment and coinsurance payment counts toward your Out of Pocket max. You’ll also want to be aware that only I network services count toward your in network out of pocket maximum.
I hope this helps.
@@AbtInsuranceAgency, thank you! What if you have a major surgery that cost thousands of dollars that is over the out of pocket amount? Do you just pay percentage that goes toward that amount?
Great presentation, Thank you
I will ask some questions
Hi - is CA a popular state for medicare advantage? Also I am wondering what the main selling point is for a Medicare advantage plan vs a regular Medicare plan. Why would someone want to switch? The minute I heard these are managed by private health ins companies was a sucker punch. I'm a 42 old who recently has had some health issues and getting United health care to approve much needed services has been a nightmare. Also my girlfriend has had issues too. Both of us have corporate plans and we gave had to pay out of pocket for services that should be covered under our plan, like CT scans and other type tests that out drs have issued as well as appealed, and still no approvals and we had to pay out of pocket. It was an eye opening and costly experience. The reason I would like to know what the main value is to getting an advantage plan is due to me looking at getting into the business. Would hate for a senior to get an advantage plan and get need services denied by the private ins company managing the plan, same thing that happens to me. Thanks in advance. For your reply.
For some people and Advantage Plan can be a hood fit. It depends on your needs and your budget. In any case, it’s important to understand the ins and outs of all of your Medicare plan options. A good independent broker will generally represent multiple plan types and options.
Let me know if you have any other questions!
I moved to Las Vegas last year 2020 . My insurance in California which is Kaiser does not cover Nevada so I enrolled in HUMANA . I have two retirements CALPERS which is CA state retirement and SSS. My question according to CALPERS they are contributing an amount to medicare so also SSS both are deducting those amounts from my pension . I don’t understand why . Please help me to understand until now I’m still confused how my insurance works now that I’m retired from my job since last year . Thank you for your great informations I read from previous topics.
Vicky, it sounds like you have a pretty specific situation. Please call or email us directly and I would be happy to try and assist! stephanie@abtinsuranceagency.com or 888-465-9728
I have a question for you I'm with. Affordable Medicare value plus plan is that good one
There are so many sites like this on YT I have no idea who to call.
We would love to help you - feel free to call us at (888) 465-9728. Unlike many others, we provide truly no obligation quotes and information.
Kygent508. Nor whom to trust. This is akin to day- and investment stock trading TH-cam sites
where these amount to gambling and the possibilities. No one knows for sure where the stock is headed from one minute to the next -- nor when unforeseen circumstances rear their heads.
@@eddyvideostar Generally known as “Life.”
Nice presentation 👍😀👍
Why all the discussion about in or out of network? I have a supplemental G plan and there are no networks. Why would I want some bureaucrat to limit my healthcare options???
What’s the best Medicare Advantage Plan in n Florida?
Stephanie, this is where it begins to get muddyed. I think I will need to call your company.
Does the Medicare advantage plan pay for dental work? Like crowns plus all dental work? I’d just changed my plan to the advantage plan. Hope this was a good choice to make. I’m 70 years old now also have MS immune disease . Live on my social security just apply for Medicare for extra help I’d really need that.
My understanding you have to see doctors in their networks my Dr informed me she would be out of network id have to pay for each visit and I see her often.
On a Medicare Advantage HMO yes that would be how it works.
So, after a person applies for Part B , assuming you want to join a Medicare Advantage Plan , when do you sign up for Medicare Advantage ??
There is an initial enrollment period beginning 3 months before the month in which you turn 65, the month of your 65th birthday, and three months after. If you miss this enrollment period there is an open enrollment period January 1 - March 31. You could also see if you qualify for a Special Enrollment Period based on certain qualifying life events
@@jamesmoose2215 Thanks
I hope everyone knows if you have any other supplemental insurance you lose it and can’t sign up for it again till the next year of sign up for your type insurance if they have one! It’s very risky!
If a patient can have Medicare and Medicaid at the same time who pays first? Does Medicare pay first and Medicaid pay second?
Generally Medicare pays first and Medicaid pays second. This document explains more : www.medicare.gov/Pubs/pdf/02179-Medicare-Coordination-Benefits-Payer.pdf
Does the Out-of-Pocket expense also include your drug coverage? With a pre-existing condition or a major surgery, a person might hit the Out-of-Pocket expense before reaching the gap.
I know this is late. Generally the MOOP is what ever is left over after copays. Many stand alone Part D plans have a deductible for certain tiers. Essentially, whatever is left after the deductibles gets added to the MOOP. Once you reach that, services are 100 percent covered for the remaining year
Under low income my husband lost his job. Income is only 881.60 from social security .
My husband is turning 65 at the end of the year! He had a stroke earlier in the year. What plan would be better for him because of the “ pre-existing” medical issue🙏
The ACA prohibits plans from refusing to cover or charging you more for pre-existing health conditions. Just make sure the plan you are using is ACA-compliant.
Am at full retirement age but am still working. Will be collecting social security. I do have health and dental coverage from my place of employment. Would you advise me to ADD part C or is that not advisable at this point?
My husband and I are over 65 and military retired. We have Tricare and Medicare. We also have dental and vision which is provided at cost by the military to retirees. Would it be to our advantage to look into Medicare Advantage?
Most people with Tricare for Life don't option for alternative/additional coverage based on my experience, but I'd be happy to chat about your options - give us a call at (888) 465-9728.
Medicare advantage is not Medicare...it's private insurance and does not cover hospital bills...these private insurance companies get you to enroll but make it difficult to switch back to medicare
@@nmn361 Thanks for your response. I got the same answer from Medicare so I didn’t bother with the Advantage.
So does Medicare Advantage have a deductible too like the Medigap plans?
yep
I’m 65 and have Kaiser HMO Medicare advantage plan. I have part A and B. We plan to travel out of the US about 10 to 11 months out the year. Am I covered?
Only for emergency services
I turn 65 around the 1st week of June, now I will have Medicare little health problems, what plan would you suggest living in IL ??
I'm only on SS income.
Thank you..
Email or call us directly! 888-465-9728 or stephanie@abtinsuranceagency.com
Hello,
my brother has only 8 working years, he is older then 65 years,
my question is: can he join medicare?
thanks,
Yes, but he may need to pay a premium for Part A.
@@AbtInsuranceAgency Thank you
@@AbtInsuranceAgency can you please tell me how much does premium part A cost?
Is medicare advantage plan the same as medicare part "C" If so then a newly 65 year old (since Jan 1 2020) cannot by a plan C (medicare advantage) or a plan F correct?
Great question. Part C and Plan C are two different things. Part C = Medicare Advantage, and it available to all Medicare beneficiaries. PLAN C is a Medigap Plan, not available to newly eligible beneficiaries. They make it about as confusing as can be! 🙃
I currently have parts A and B. This is the first time I've heard that you can only get part C if you also have parts A and B. I have a friend who's on medicaid so I guess that's different for him. He only pays for c.
I would like to be able to seamlessly carry health insurance while living abroad part time. Is there a good way to do this?
Is Medicare advantage maximum out of pocket capped and is there a reason to look for other plans that don’t cap these?
Yes Advantage plans have a maximum out of pocket. I wouldn't want a plan that didn't have a cap. This means you could go bankrupt paying your share of cost. Kind of like Original Medicare which has no limit on out of pocket costs. So that 20% could be 20% of 500.00 or 20% of 50,000.00.
Thanks!
Thanks Stephanie, have you ever heard of 'Oscar' medicare advantage provider? This is such a jungle.
Yes, I am familiar with them. Feel free to call our office if you would like to speak to an agent who can give you more information! 888-465-9728
Hai mam i am from india i working for medicare Part c we providing lower co pay enhanced dental vision hearing Aid free transportation it's totally free of cost. And they recive cash back $170 every month
I hope you are fully aware of the pros and cons of the plan you are selling so that you can best inform your consumers.
As a physician, I have Medicare number and I am being told I can’t charge patients for covered services unless I opt out of Medicare.
Is this the case for Medicare advantage plans as well?
I am confused by the question?
Sorry! I found the answer myself!
I am just trying to escape from the insurance trap and found out I have to opt out of medicare if I want to charge them cash for my services.
I also found out that the managed care plans are like private insurance and need to opt in.
Thank you! Video is great!
Hello! What is qualifications in order to enrolled into MA plan that 0$premium?
As long as you have Medicare parts A and B and live in the plans service area, you are eligible.
I am on a Medicare advantage plan since January 21 l want too go back on medicare can lgo back on Medicare
Yes, you can. Call our office at 888-465-9728. We can help.
That's not mind
nice- good job with the video- I am a newer Licensed agent- can I contact you about opportunities with your group ? are you a Captured agent?
We are an independent brokerage. Feel free to contact us at any time.
If you have very limited copays for visits and hospital with an advantage plan how do you ever spend $7,550???
The co-pays are not always “very limited” , they can be quite large for certain services. Additionally on most Advantage plans you’ll be responsible for 20% of the cost of durable medical equipment and cancer medications etc.
@@AbtInsuranceAgency Ouch!
Stop.
Once you go to a medicare advantage plan you can't go back to original medicare without an extensive physical examination.
Once in medicare advantage plan you can't just go back to original medicare.
Yes, you can - Original Medicare doesn't require medical underwriting, but Medicare Supplement insurance (which Supplements original Medicare) does.
Above
I’d mean I’d just apply for medicaid not Medicare I’d already have medicare.
Someone has put a different Gmail account that's not my Gmail account
Hello Stephanie, when helping Seniors, are Seniors notified a) that the Original Medicare is NO LONGER in effect if the Senior opts into that PART C / Medicare Advantage Plan? b) that the Max Out of pocket seems safe YET that providers are significantly limited? c) the HMO requires in-Network & Referrals to Specialists? ✨✨✨I know a current Senior who is desiring cancer treatment & chemo. She’s not yet “approved for service” a full 120 days after diagnosis. This is an ETHICAL issue.✨✨✨ All for a $0.00 / month Premium #MedicareAdvantagePlans
Oh, yes. We warn our clients about ALL of the potential risks and downsides of Medicare Advantage, and we always present them with both options (Medicare Advantage versus Original Medicare + Medigap).
Medicaid not Medicare already have Medicare
How do we reach you?
888-465-9728! Or stephanie@abtinsuranceagency.com
Why would anybody in their right mind get this plan?????
You are not telling the full truth. $6,000 is a very high out of pocket. I have medicare advantage and my out of pocket max is no were near $6,000. Pcp with no copay. Specialist $20 copay. Authorizations are to make sure certain procedures are medically necessary. It is not to cut benefits. That is a lie. No procedure that i have had done has been denied. Doctor sometimes do things that make no sense and it’s not medically necessary which I have noticed before I went to an HMO. These doctors did a bunch of weird stuff that wasn’t needed to me so don’t tell people that it’s to cut expenses because that’s not true they’re gonna do a bunch of weird stuff. Just get more money out of you.
SHE EXPLAINED NOTHING ABOUT COSTS..............
Don’t buy one
Here's a pro tip Stephanie... Choose your surroundings when recording a video. The acoustics are terrible. Sounds like you're in a bathroom!
Thanks for the feedback! I’m definitely still learning 😊
@@AbtInsuranceAgency Understandable. After a year of broadcasting from home due to covid, I still see network journalists that have terrible acoustics! That's unforgivable in 2021! You look great in any case! 😊
Can hear clearly no issue
@@carlwilliams6977 I can hear her just fine
@@billman6364 I didn't say I couldn't hear her. I said it sounds like she's recording in a bathroom!
SCAM