The Best Medicare Supplement Plans in 2024
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- เผยแพร่เมื่อ 10 ต.ค. 2023
- www.abtinsuranceagency.com | (888) 465-9728 | Free, unbiased Medicare insurance help.
Today I've reviewing the top Medicare Supplement (aka Medigap) Plans for 2024. Medicare Supplement Plan G and Plan N will be the most popular, and I also cover Plan G's High Deductible version. If you're approaching Medicare eligibility or currently enrolled and considering your options, this video is a must-watch.
Medicare Supplement Plans (Medigap) can be the missing piece to your healthcare puzzle, providing coverage for the gaps in Original Medicare. In this video, we'll take a close look at two popular Medigap plans: Medicare Supplement Plan G and Plan N. We'll break down their benefits, costs, and help you decide which one might be the right fit for your healthcare needs.
Here's what you can expect:
A comprehensive overview of Medicare Supplement Plan G: We'll delve into its coverage, including Part A and Part B coinsurance, excess charges, and more. Discover why Plan G has been a favorite for many Medicare beneficiaries.
Insight into Medicare Supplement Plan N: Plan N has gained popularity in recent years, thanks to its cost-effective approach to covering your healthcare expenses. We'll explore its coverage and how it differs from Plan G.
Cost comparisons: We'll provide cost breakdowns for both Plan G and Plan N, helping you make an informed decision about your healthcare budget.
Enrollment considerations: Learn about the best time to enroll in these plans, ensuring you get the most out of your Medigap coverage.
Tips for choosing the right plan: We'll share valuable tips and considerations to help you select the plan that aligns with your unique healthcare needs and financial situation.
Don't miss out on this essential information! Making the right choice when it comes to your Medicare Supplement Plan is crucial for your health and financial well-being. We'll provide you with the knowledge you need to make an informed decision.
Make sure to like, share, and subscribe to our channel for more valuable insights into Medicare, health insurance, and senior healthcare options. If you have any questions or want to share your experiences with Medicare Supplement Plans, please leave a comment below. We'd love to hear from you!
#MedicareSupplement #MedicarePlanG #MedicarePlanN #Medigap #Medicare2024 #HealthInsurance #MedicareEnrollment
Plan G vs Plan N: • Medicare Plan G vs Pla...
Medicare Excess Charges: • Medicare Part B Excess...
Medicare Advantage vs Medicare Supplement plans: • Medicare Advantage vs ...
KFF article on Medicare excess charges:www.kff.org/medicare/issue-br...
Do you plan to enroll in Medigap in 2024? Or are you considering Medicare Advantage this year?
You’re ignoring the greatest factor which is someone’s age. Apparently you do not advise clients on SSDI because if so you will know 99% of the time a MAPD is the ONLY option as suppléants not available under age 65 in their state and or the supp is SO expensive under age 65 no one on SSDI can afford it. I write 300 MAPD policies per month twelve months a year licensed in 50 states. This is the reality
@@uutube243 this video is about the most popular Medicare Supplement Plans in 2024. I have other videos specifically about Medicare SSDI for people under 65 and Medicare Advantage plans. But thanks for taking the time to comment on the video and then also announce how many insurance policies you write every month - very classy 🙂
@@AbtInsuranceAgency
First your very pro original medical. I watch all your videos. Secondly my personal production across the entire county allows me to comment on what’s actually being written across the country. The office I’m in writes over 4000 MAPD plans every month of the year. My comments have the credibility of experiencing very high volume and again allows me to see in one month what most agents don’t see in years in volume. Easy commissions writing supps are in many cases not the best option for clients..
@@uutube243 it’s funny, since writing a Medicare Advantage plan application is definitely “easier” for most agents and provides a higher commission. My office helps people with both options, and we do a needs analysis to figure out which coverage will best meet your needs. We work with both Advantage plans and Medicare supplement plans, which I’m sure you know if you watch all my videos. Every day we talk to seniors who deal with large Medicare Advantage call centers (like the one it sounds like you are in) who tell us they didn’t even know that Medicare Supplement plans were an option, they were never told about them. My hope is that my videos can shed light on all the types of options for seniors so that they can make an informed decision.
@@uutube243 I am a CPA that just retired after a long career and I greatly appreciate the effort Abt Insurance puts into its videos. I found those videos and my communication with Abt to be very helpful when sorting out my options when moving to Medicare beginning this month. Ultimately, I chose a Plan N through Mutual of Ohama because it best fits my needs at this age and my desire to know, to a large extent, the maximum out of pocket cost for Part B type medical services.
As an aside, I will ask that you reevaluate the tone of your comments. It is so easy to criticize others and to offer up self-serving statistics as you've now done. Selling a lot of policies does not necessarily mean that you've looked out for the best interest of your clients.
Why the hell they make all thatso complicated for seniors citizens like we have to get educated or take classes im so so confused since i took my retirement 😮 im so stressed 🤔🤔
Hopefully watching some of my videos can simplify! They really do make it so confusing.
Sr if you can afford It SUPPLEMT PLANE G IS YOU BEST ONE I WAS ON ADVANTAGE PLANE BEFORE HAD LOT OF TRUBLE WITH THE DOCTORS FOR 5 YEARS IN ADVANGE PLANE IT WAS NO GOOD SOME TIME THEY WANT GIVE ME MEDCINE THEY MAKE IT SOUND GOOD ITS BAD
I agree.
Totally agree!! don’t 65+ people have enough to worry about just with aging? Most have worked hard and payed their dues! SHOULD NOT be this complicated nor expensive in your finale years of a persons life 😞 SERIOUSLY 😒
What else do you expect from the government? It’s like the IRS put it together.
Just reinforces why I signed up with you guys in June, when I turned 65, I got amazing service, an agent who LISTENS to my needs, and I can't recommend this agency enough ❤
Thank you Tela!
The answer is simple. Move to a civilised part of the world where health care is seen as right, not a golden opportunity to be ripped off by lawyers, insurance companies, mega rich doctors etc.
Wish that’s what we had in the US doubt we’ll ever see it. It’s ridiculous how utterly confusing this all can be and it’s isn’t necessary.
Coming from large, politically moderate, unevolved, uncivilised & non-urban Southern US family prolific in doctors, nurses and two lawyers (we did dupe some foreigners into marrying a few of us), I am deeply impressed with that laser sharp insight. We are so stupid! No more of these off hours, unpaid house calls to families in east f’ing Egypt. After all, nobody knows so nobody cares about that 💩. Please do forward the address to Utopia. Our mega rich heartless behinds are loading up the swamp rat truck and heading out! Wait, we might find that everywhere has its undesirable aspects and mayhap should have stayed to try to make it better. Pooh, what a downer. Dammit.
Where might that be? LOL Having done a fair amount of traveling and speaking with folks from countries that have socialized medical care or what we're told is better care than that which is available in the US... the grass isn't always greener when you jump over the fence.
Someone moved to Hungary.
@@imxploring The Union Jack in my avatar might give a clue, and I doubt you have travelled more widely than me - worldwide for 14 years in the Royal Navy, and the last 20 years spending 2 months a year touring all of Europe and Turkey in a campervan, including Bosnia and Albania. However, when it comes to US vs UK healthcare, just ask a fellow American - th-cam.com/video/Cen5fkIwFjU/w-d-xo.html&pp=ygUSYW1lcmljYW4gaW4gdWsgbmhz
Plan G from Aetna !! I pay $181 now, went up from $171, but it pays for everything after Medicare ! In hospital ICU for PE and surgery, almost $100,000 and didn't pay a penny !
Thank you for this crystal clear explanation- the absolute best I've ever heard.
Wow thank you!
Your videos are always helpful. Thanks!
So glad these videos are out there and I find the Abt Insurance ones very easy to understand. When I started my Medicare insurance/supplement insurance journey I’d watch these videos and if I didn’t quite understand something I’d replay until I understood it. Also took lots and lots of notes. All of it helped me in making my decision on which plan and with whom. I went with plan N I felt it fit my needs and for long term.
I’m so glad you are finding these helpful!
I did exactly the same thing and it paid off immensely.
Year after year, you are so very helpful! Thanks
You are so welcome!
We both have Plan G and we're staying.
I always seem to learn something from you. Thanks for posting!
Thank you!
Your videos are very useful and provide lots of information. I have received lots of help after watching this post, please continue to share this kind of information. Thank you.
Thank you, I will!
Great information as always. Thank you Stephanie.
You are so welcome!
Thanks for the clear review
Thank you for the video. Blessings to you.
Same to you!
Helpful video. I have plan G and plan on keeping it.
G is fine for most people
Excellent video as always!!
Thank you!
Very informative Thank You. I will be calling I require supplement insurance due to losing my job due to kidney failure and require a supplemental insurance.
I am sharing this video with my family members who are coming up on the Medicare age.
Thank you!!
Very informative. Well versed. Thank you
Thank you!
Thank you. That was easier than I thought 🤣💭🤔
What I find interesting is when I ask people if they have a Advantage plan or Supplement plan they have no idea what I’m talking about. They just take the insurance plan an agency tells them to take without knowing if it’s one or the other. They say I have Medicare that covers dental, vision and hearing. I’ll tell them that’s an Advantage plan and they don’t know what that is. I’m so sick of these commercials because the take “Advantage “ of people. I never see Supplemental plan commercials
You're exactly right.
When I signed up for Blue Cross/Blue Shield of Arkansas (Plan G) I was told that they would not provide the same level of coverage out of state. Is this true and is your company licensed in Arkansas and Tennessee? Thanks. Side note; I use the VA for health services.
@@allen480 We are licensed in both states, and your Plan G should work anywhere...I'm wondering if you were ill advised.
I you can remember this far back...The days of Wild Kingdom Mutual of Omaha are over...LOL.
I agree it’s awfully confusing for some seniors. I started my TH-cam education on Medicare 1 year before I was eligible.
Hello from KS, I just become eligible for Medicare, and will follow your suggestions, Thank you for your dvice.
Thank you, for educating me.
I’m worried about the specific words…Preventive Office Visit/Routine Office Visit and Blood Tests/Blood Services.
When subscribing to Traditional Medicare, its Plan B, and Plan D…do any plans ( G, N, etc) cover the above mentioned specific words?
Good information. Thanks.
You are so welcome! 🙂
I qualify for Plan F by my age and date I first got Medicare. I'm currently in a Medicare Advantage plan with maximum out-of-pocket limit of $5,600 with $31/month premium and lots of copays. I'm going to drop the MA and get high-deductible Plan F because the premium is only $70/month and the overall deductible is $2700 which is less than half of my max-out-of-pocket on the MA plan. I'll have 20% copays after the Medicare deductible, but when/if I satisfy the Plan F high deductible, I won't have to pay any more that year. I'm in good health and only go to the doctor for my annual wellness visit. As long as I stay this healthy, I'll have very low insurance costs, and in a year when something bad happens (hospitalization, for example) I'll max out at much less than the MA plan would. So I encourage people who are old but healthy to switch to high-deductible plan F and keep enough savings to cover the deductible for the unforeseen bad times. That way you'll have all the flexibility of traditional Medicare and none of the problems with Medicare Advantage.
Great video! Thank you!
You are welcome!
Love you Stephanie, thank-you for your posts! I plan to get Medigap G when I turn 65 next June here in Minnesota (A State I don't believe your agency covers). I suppose if I move to Wisconsin, some time in the future, there is no way I can avoid medigap under-writing at that time?
Best in Business, best support.
Thank YOU!
Turned 65 in March. HDG is working well for me so far. Even with a lot of tests this year I still am money ahead over plain G or N.
That's great!
Thank you so much for this video. My daughter and friends who are in the healthcare business have advised me and my spouse to change from AARP Walgreens United Healthcare Medicare Advantage to Basic Medicare with a supplemental. The idea of switching seems complicated considering that I am receiving Social Security and the medicare advantage fees are deducted though my SSN monthly benefits. Bothmy husband and I also have health issues so the switch is most likely not a worthwhile choice for us.
There are definitely pros and cons to making this switch. Call with questions! 888-465-9728
Hi Stephanie. I enjoy watching your channel. I have learned a tremendous amount in such a short time. Question. Are you licensed in South Carolina?
Yes! 🎉
This video was so helpful. I have a Plan G with Blue Cross/Blue Shield and it’s pricey…but has excellent coverage. I was thinking of changing to another less expensive Plan and/or In’s. company; but, I have a LOT of pre-existing health issues. What I think I heard you say is that, for someone like me (age 74), I could be denied coverage if I change coverage. Don’t know how it applies where I live here in WA state. Thanks so much for this informative video. I think it may be the first time I have some concept as to how supplemental insurance works with Medicare. I’m thinking I best stay put with what I’ve got!
The rules are different in WA state! You could potentially save money. Call us anytime! 888-465-9728.
In Washington you can change Medigap plans any time of the year without medical underwriting. Right now, Medico and Premera Blue Cross Plan G have the lowest rates at just under $200 a month.
@@heynow4286 Thanks for this info. I guess I’m doing okay with a Blue Coss @ $140/mo. and a drug plan through Humana at $30/mo th.
I also live in Washington State. I went with a high deductible Plan G for $44 a month. I would rather pay $528 a year in premiums, and worse case scenario I pay $2700 than pay nearly that much every year in premiums for a regular Plan G, but I understand for some people the $2400 or so a year in premiums for a regular plan G might actually be cheaper if they require a lot of medical care.
@@dh2392 the thing that concerns me, if I understood correctly, is that if I try to change my coverage, I can now be denied because of pre-existing health issues. I think what you’re saying makes a lot of sense.
Thank you.
You're welcome!
Thank you Stephanie, great overview. It is a shame on the United States that we work our whole life and contribute to all social taxes and medical plans only to retire and have to pay for ongoing medical with limited income. And future have the potential to be declined; getting older means declining health, it is the process of aging. Other countries take care of their people through national health care and it is portable. Hey U.S. government, instead of spending money and sending money out of the country; why not invest in the social systems; including homelessness: take care of home first! Stephanie, it would be helpful to see some high level estimated cost for each plan, particularly Plan G. Thank you.
Good input, thank you!
Thsnks
I learned a lot from your videos; very helpful.
You have an agent in CA right (so I can call once time comes)?
Yes we do!
@@AbtInsuranceAgency awesome!
I'm a brand new agent and I had a question regarding clients on Medicaid. How does the supplemental/advantage plan work with these options?What do we as agents have to do in order to put them on D-SNP?
Im going on the plan that the state job i retired from offers. Ill have a advantage plan thru UnitedHealth care. Will cost me 94 and month and includes rx, dental, vision and hearing aids. Cant afford to pay seperate for all those extras. Ive got friend's that i worked with that are on it and they are satisified with them so far
I will have the same when I retire. I have no choice but Aetna. I’m supposed to pay $84 per month! I’m not doing it. It’s a scam! I can get an advantage plan for $0 premium outside my state retirement pension. Plus I’m going to travel and snowbird in Florida. I can’t do that with advantage. The way I see it, I either pay now via premium or later via other expenses.
Very good information here. One question for you. If a person is turning 65 and has VA benefits and happy with that coverage, do they have to sign up for Medicare A,B and D plans? and if not is there a penalty for this if they decide to at a later date? Thank You.
I live in Wisconsin, what do I need to do to help people with choosing a medical plan or an advantage plan, I feel there's a need to talk to people about these plans, many are choosing advantage plans not knowing there's more to choose from.
Which is better, an Issue Age medigap policy, or a community based medigap policy?
Since I cian't change my Medicare Supplement as I get older, can you tell me which plans have the best chance of being good in 30 years?
I need something that helps with dental costs, any suggestions?
In MY state in your birthday month you can make any changes you want with no type of penalty.
In some states you have a “birthday” or “anniversary” rule which allows this!
The 3 major clinics in SW WA state have all opted out of Medicare. Providers can choose to opt out of Medicare for a minimum of 2 years at a time. Our clinics will only accept certain Advantage plans.
Wow.
What are the steps a senior should take if they've had Medicare Advantage past the trial period and wish to switch to Original Medicare are not in one of the four states that allows Advantage customers to switch back to Original without "medical underwriting?" Thank you.
Give us a call! 888-465-9728. This is what we help hundreds of people do during this time of year. We walk you through what medical underwriting will entail, help you find the best company at the best price with your medical history, then only once you pass through underwriting and get approved will you want to then enroll in a stand alone Part D drug plan -- th-cam.com/users/shorts6z8YVOX6YiY?si=AOPsKhacyy6hSh1M
Which supplement plan pays for yearly bloodwork?
Do you have video compare supplements plan G between supplier insurance companies? Thank
This video discusses that, but the best way to get a thorough review for the carriers in your area is to contact use directly at 888-465-9728! th-cam.com/video/Pk0pVNkoIak/w-d-xo.htmlsi=_t25ckJI-FE6UCzE
I see there is a Plan G+ in Illinois that includes dental, vision, and other perks included in Advantage Plans. Is this available in other States? I searched for it in Washington State, but I didn't find anything.
Some carriers offer a Plan G+ (or called "innovated", "extra"), but not in all states. Usualy it includes limited vision and hearing benefits.
All i can say is due to underwriting in California if you have had a serious disease like cancer but currently cancer free for 5 years your out of luck with switching off the advantage care plan which by the way has gotten horrible if you needs specialized medical attention. They will deny a 100 day stay in rehabilitation. The whole has changed in the last 2 year. I think 2024 is going to get even worse.
Thanks for the video. I have been retired for 2 years, starting Medicare this December, I received a letter from social security stating I have to pay the higher income premium of $239. The reason is I withdrew money from my 401k which put in a higher bracket. I think that’s wrong, I worked for a company for 32 years and I contributed to a 401k for retirement. Now that I’m retired I get penalized for withdrawing my money.
You may be able to appeal these IRMAA charges if your income has changed - th-cam.com/video/dcxR8QgVGNw/w-d-xo.htmlsi=qpvn4gExx4gZ4Cb9
I appealed and got the IRMAA reduced. Get the form from social security. I think it’s form SSA 440
Yes you can get that reduced.
This time of years is considered ‘open season on seniors’.
I chose the high deductible Plan G because my premium is $44 a month. Every regular Plan G I looked at was over $200 a month. So I figured I would rather pay $528 a year in premiums, and worse case scenario I pay $2700. But the premiums for the regular Plan G are nearly that every year. Am I not seeing something here?
You are correct …I do the same
@@bluesky5587 and as you still pay 20% of your medical expenses, you would need $14,000 in medical expenses before you paid out the $2800 deductible. I would need over $9000 in medical expenses before I would come out ahead with a regular Plan G, and I currently go to the doctor once or twice a year. Also as I'm in Washington State, I can switch to a regular Plan G at any time, so if a regular Plan G would ever work out better for me financially, I can switch.
I plan to switch from an Advantage to a Supplement plan. Now, I need present only one card to the provider. With a Supplement, do I need to show two cards (Medicare and Supplement)?
Do the providers take care of sending both bills to be paid?
Thanks.
Yes, and yes!
Hi beautiful ❤thanks for the update have a wonderful evening
Looking for a medicare supplemental plan that covers the Northern Mariana Islands (a U.S. Commonwealth).
Question for you: Is Plan F still available to someone born in 1950 and first filed for Medicare (Advantage Plan) in 2015? Can I switch during the 2023 open enrollment?
Yes, Plan F is still available to you! You can drop your Medicare Advantage Plan and apply for Plan F during the fall open enrollment period, but depending upon where you live, you will have to medically qualify for the Plan F. Where are you located?
I am located in CT.
You may want to see if plan G comes out cheaper per year than plan F overall. The plan F premium may be more expensive than plan G + the deductible, I believe it is in NJ. Just something to consider.
@@CT_Yankee your state has guaranteed issue rules and you should not need to worry about medical underwriting!
Plan F is available for anyone born BEFORE 1955. WHETHER or NOT you were on it already.
Good morning Stephanie is,I'm a Federal retiree with Blue Cross retirees plan,(supplement),I have parts A and B ,Medicare, I'm 66, would it be wise to switch to a medigap plan,I have good coverage and part D prescriptions ,thru blue Cross, I take an anti seizure med. Rather inexpensive through a mail order ,thus if on a plan G or N may be less expensive ,would have to add a plan D . More cost and not sure if a tier 2 or3 , can you give me advice as to stay with my current ,Part A and B ,with the retirees plan ,or lookmto a change with a Part C advantage plan ??????
Typically federal retirees with retiree benefits do NOT need a Medigap plan.
Thanks
I know I will need to call your office eventually
My questions
I am 69, my wife 68 we have kaiser ( managed care , California) I am happy with kaiser but I want to go to medigap supplement for the future, we are in a good health
1- in California is it allowed to change to plan N or G without underwriting ? ( from advantage plan)
2- if I choose plan N in for now can I switch to plan G to the next year in the open enrollment time? Or vice versa, if I am in plan G now can I switch to plan N next year
1. California does have some state specific rules that make it easier to go from an Advantage Plan to a Medicare Supplement plan when compared to other states.
2. Generally to go from Plan N to Plan G is California, medical underwriting is required.
I hope this helps!
Plan G covers the 20% after Medicare but only on “covered” services or procedures. It’s difficult to know sometimes if a certain test is covered until it is submitted. And the diagnosis must fit the procedure or it may not be covered. It can be frustrating.
Correct - but if Medicare covers it, then Plan G will also.
I'm in Nevada and have Plan F and will try to keep it as long as I can afford it. I have it through AARP, United Healthcare. I've got health issues and I am SO glad I never got conned into an Advantage Plan. The ONLY ADVANTAGE is to the insurer. I'd have to look long and hard to leave Plan F, its not available anymore, nor is Plan C. My part D insurance premium went down a dollar for next year...LOL. I'm kind of dreading what the Supplement premium will be. Haven't gotten that number yet.
Plan F will ALWAYS be available to YOU. I.e. anyone born before 1955. EVEN if you switch AWAY from it for a year, or several!!
My experience is all private insurance is to the advantage of the insurer. If it wasn't they would go out of business.
@@drwisdom1Yes, they would but I would like to see some of that profit go to the insured and not to the CEO's yacht but that's just me...well actually it's not. Also, withholding Medicare authorized treatment to people and making them fight for it is not a good look. Over billing Medicare is not a good look but I realize my perspective is different than yours.
@@pamelawing5747 I work with the medical business. By focusing on populist issues like CEO pay you are understating the problems with medical insurance. At its root the insurance companies cause enormous amounts of waste and raise the cost of health care significantly, in addition to playing games with patients and providers. Since the insurance companies peel a % off the medical system, they want costs to be high. They are dishonest parasites on the medical business.
Love supplement plans, but wondering if they (or Medicare A/B) pays for medical transportation (ambulance, helicopter)?
Yes, if medically necessary.
There is a 7 month window during IEP 3 months before Bday and 3 months after. Bday don’t count. RIGHT??? Or you could say it is the 7 month.
Your birth month is included in the 7 month window.
Do you have an opinion on Medicare Advantage PPO plan?
These plans can be a great fit for certain people. Give us a call for more information! 888-465-9728 or email stephanie@abtinsuranceagency.com
My husband is disabled and was dropped from my insurance due to cost. He is back on medicare part a and part b but after that I'm lost. I feel like we only need A, B and N but I have no idea how to get him signed up. Are you licensed in Texas?
South ridge academy
Can you tell me the range of cost for these plans? My husband and I are 63 and want get as much info to be prepared.....thanks
It depends on where you live - in some states Plan G for a 65 year old starts at around $90/month, in other states it can be $150+/month...
I live in Louisiana....I watch all of your TH-cam videos so will definitely contact you when we get closer...thanks@@AbtInsuranceAgency
Question. Can I pick let's say Plan A this year and next year pick plan C?
In most states medical underwriting is required in to to switch Medigap plans.
Do you offer supplement plans for Michigan?
Yes! Call us at 888-465-9728
I wonder, would a Medicare for all help making this less complicated? You know, everybody is covered, the pool of insured individuals is huge, and it includes healthy young people.
I currently have Medicare A and B plus tri care for life. Is this sufficient?
Yes, most people with Tri Care for life will never need any other supplemental coverage.
Thank you for the very clear explanation. Meanwhile, I’d like to clarify couple areas not covered in your video as: 1. The 20% coinsurance is for all health activities from Part A and B that I would have to pay 20% until 2700 is met. 2. Can G high deductible, plan be changed to the G plan without underwriting physical approval? and 3. Since all benefits are offered by Medicare, how to pick the less expensive G plan from the various companies? Thanks.
1. You pay the Medicare Part A and B cost share until you've met the high deductible ($2,800 for 2024). This includes hospital deductibles and coinsurance as well as the 20% Part B coinsurance. In most states you have to pass through underwriting to switch from Plan G-HD to regular Plan G.
I am about to retire. I plan to choose a Medigap supplement. I do qualify for Plan F. I do not know if I should choose Plan F or Plan G. My question is, if one does qualify for Plan F, should they choose it?
Probably not, but it’s important to look at a few different factors. Are you already on Medicare Parts A and B?
Hi may I ask you a question how much premium for plan G thanks
That depends! On where you live, your age and some other factors.
My heads spinning lmao ,yes real simple 😳😳😳😳😳😳😳easy for you,you're educated in it .
Can you apply plan N coPayment towards your annual deductible?
No, the copays are separate
I am 76 and still working I plan to retire beginning of 2024 I do have health insurance from work and plan A from SSA will I be able to get plan B from SSA as soon as I retire or I have to wait untill certain period to enroll with SSA to recive plan B
You can apply for Part B as long as you are actively working and you have up to 8 months from your retirement to add Part B without penalty!
I love my plan because i had to go on ssdi at51 years of age i went with aarp plan f so i pay one time a month to aarp and pay no more now that i have turn 65 in went down to 246 a month medicare is 174 i think it may to some high but i dont need to think about any med. like i have had 3 MRI in 1 year and paid 0 2 Hosp. stays in 2 years paid 0
Does anyone know what happens if you have to change your supplement plan's insurance company, through no fault of your own? Let's say after you've had their N plan for a couple of years, they go out of business. Would you have to go through underwriting then with the new insurance company, even if you were still planning on staying with an N plan?
In this rare instance, you would have a Guaranteed Issue right to buy a Medigap plan with a different insurance company.
@@AbtInsuranceAgency Thanks! I was hoping that would be the case..
Hello I was told I can't get part d if I have medicaid and medicare is this true. Thanks
You can get part D as long as you have Part A and/or B!
All insurances to me is a legalized form of gambling. They are betting the odds on you. The best way you can be ahead is to have taken good care of yourself most all of your life so that hopefully you won’t need to be on medications OR VERY FEW medications. That is why it so important to take your health seriously. Stay away from bad habits, ie smoking-vaping, excessive drinking. Otherwise you will become a frequent flyer to the doctor or hospital. All up to you how you want to spend your advancing years.
Did you know for example that 20% or more of people with lung cancer have never smoked? Insurance is to cover you and save you from catastrophic costs if you just draw the short straw. People get hit by cars, breath asbestos and tons of other things. Ive known strict vegetarians who were active who died of a heart atttack. You just dont know.
@@Ed_Gein for sure. I am a nurse of over 40yrs I have seen a lot people that have done the right thing, taking good care of themselves and hit that card of misfortune. You just never know.
Then why are they denying states for rehab. Surgery in certain hospitals that are closer to go to.
Why does a dental supplement plan or dental discount plan have to be "for life"? Why can't I change dental plan insurance company if they start raising rates too frequently or too much?
This is great but your chart shows Plan D covering the Part B deductible. I believe that's not correct.
Thanks for catching that! Plan C *does* cover the Part B deductible, but Plan D does not. Good eye! And frustrating that I missed that before posting this.
You weren't talking about Plan D so I doubt it misled anyone much. Keep up the great work! @@AbtInsuranceAgency
So the claims for a surgery center and the surgeon and anasthesiologist and some office visits post op? Should they be covered under plan G? These were covered under Medicare part B for the majority of the claim, but Medicare did not pay the full amount. They paid an approved amount and I am being billed for around $800. I am in California and I have a supplemental plan G, but it is a high deductible. I am confused because it appears these services fall under part B. I am in a window where I can change to a different plan G at this time without the high deductible. But it will double the cost of my premium. It might be worth it, but will it pick up these amounts that I am being billed for? So confusing...
Any service covered by Medicare Parts A and/or B will always be covered by your Medigap Plan G as well.
fully covered? are the charges that I got excess charges? I have plan G, but like I said it's high deductible.
Which insurance agency should I select for medicare supplement plans?
We can help! And our service is free. 888-465-9728
That's why I clicked on here, to see the diff. Providers 😮but you don't say . I'll ask other Srs. What's worked best for them,& what they've learned so far.
I have a headache
That isnt covered....
I want to enroll to be illegal immigrant. Govt will give me all Supplement letter plans for FREE !!
Can I just get my medicare part A & B and stop there ? and then just use my VA medical like I have been doing for the past 10 years ??? I never hear anyone talk about this.
Yes, you can.
GHD seems like a no-brainer
For many it will be a good fit!
Does plan g cover vision, dental and hearing?
No, it most situations it does not. It only covers what Medicare Parts A and B covers.
@@AbtInsuranceAgency Thanks
I will be turning 65 in March 2024. How far in advance should I contact your agency to serve as my agent?
Now is great! 😊
@@AbtInsuranceAgency what if you are NOT turning 65 in March of 2024? :) How far in advance of 65 should you be contacted?
@@Ed_Gein about 6 months prior is great timing!
Good morning Stephanie, my question t
Good morning!
@@AbtInsuranceAgency thanks for all professional advice on Medicare
So i there a charge for the Medicare itself? Or only the supplement plans?
Yes, most people will have to pay a premium to be enrolled in Medicare Part B. Currently it is $164.90/month, expected to go up for 2024.
@@AbtInsuranceAgency so there is a charge for the base Medicare as well any supplements. I live in Illinois are you licensed here? Thank you
@@johnstanfa1581 yes, we are licensed in IL and yes the premium is for Original Medicare (Medicare Supplements have an additional premium too).
So ballpark....around 300 month
Why is it that the government makes us seniors who are struggling pay for a plan D prescription plan when we are not any medications. Mine doubles for 2024. 60.90 a month so I can fatten the insurance companies pocket to the tune $730.80 a year. I think it’s BS.
If your getting shots for osteoporosis will be a red flag for underwriting?
Typically no, but it depends.
@@AbtInsuranceAgency Thank you.
is the cost the same for both married couples?
Not usually. The cost for females is generally less than male and age also plays a factor.
do you work with West Virginia??
Yes!
Stephanie love your videos but my son sees all-ins as a rip off So sad we have to pay so much for nothing
And non of this was explained to us at all and many of us can't change now with these advantage plans. Your stuck? Thank you.