Thank you Matthew for presenting these videos. I chose my original Medicare 2 years ago after watching all of your videos--many times over--and taking notes! I have been so happy with my medical policy, and will always remember making the decision to “buy the insurance that I will need when I am sick….” Not for now. I also love how proactive your representatives are with making sure that I am updated when changes are looming! As for video length, yes, I like the 2 video format, and 25 to 30 minutes is good. Lastly, I am in the mental health care field, and also have a nursing background. When ever I go to the doctor, and they ask for my insurance, they always reply, “oh, you have the good plan! Original Medicare with a medigap supplement!”
Thank you Matthew for continuing to give a quality education to seniors who want to know. My wife and I are in our early 70’s and chose advantage plans when we began Medicare for 2 reasons. First because of ignorance and not realizing there are people like you who can educate us. Second, the advantage plan seemed like great insurance because it was so much better than we had while working. But as our knowledge increased, we realized we had made an error in judgement and were fortunate enough to be healthy enough to qualify for Medigap plans with your help and with a very strong company. What you did for our family can’t be measured in just dollars. The peace of mind is priceless. Thanks Matthew and keep up the great work you do. 😊 Also, I think the 2 video concept is probably more realistic since you release them close together. Take care.
Much prefer the two part video.As usual I always watch your videos to keep updated and to reassure myself that you steered me in the right direction with my Medigap policy 5 years ago.I was so lucky to have been able to choose the F HD plan.No regrets whatsoever (so far!) Thank you again Matthew..
This guy spits a lot of truth, thank you so much. Of course I listened and used his company to find me a high deductible g and a part d. Thanks I am still very happy.
Another excellent video series, Matthew! As someone who recently became eligible for Medicare, and who began my due diligence regarding Medicare choices a year in advance (off and on), I can definitely say it pays to do research, as this is one of the most consequential health decisions a person will ever make. I've collected numerous TH-cam video links and PDFs on various Medicare topics to help me mull things over and make an informed decision. And as a new client of MedigapSeminars, I can vouch for the able assistance your agent provided me. Educating yourself is essential, but tapping into the expertise of someone who knows the ins-and-outs of the industry is invaluable. Thanks so much for investing the time to make these informative, no-nonsense videos! I throw my vote in for two separate videos of 20-30 minutes long... just about right for reaching the saturation point for those new to the game.
Thank you for these informative videos. I signed up for Medicare A in 2020. I have "creditable" employer insurance and did not sign up for B. Next year I will step away from 40+ years in the building trades. My biggest take away from the learning curve of Medicare is how complicated it is. This feels akin to putting banana peels on the ground in front of folks in the hope that they will slip. Every slip means more money for insurance companies. It is all so unnecessarily convoluted.
I agree, it is more complicated than it has to be. The good news is we walk our clients step by step through the process. We make it easy for you, protect you from mistakes and all at not cost to you. Whichever insurance company you choose will pay us for you. Reach out us medigapseminars.org/contact-us/ or 800-847-9680
I have used matthew for two yrs now, he is a no BS type guy. I have called the office w/ a ?? and they are on it. Thank you Matthew and team for a job well done. I like the two part vidios
I prefer the two part videos. The videos today were good as to the time lengths of each. The information given to us was valuable and as always I am very appreciative.😊😊
Have had many people tell me over the years that have been on Medicare for years to get all the Medicare coverage you can afford. Because they didn't, and ended up in a bad financial situation due to health problems later in life with themselves or their spouse. So a supplement plan is the way I'll go, when i do retire. Either G or N. Still have awhile to weigh options. Thanks Matt. Appreciate all the info! Excellent videos.
Thanks! Need to decide next year and as a health care provider will look hard at gap policies with part D as an option. Also wonder about dental options.
I really learned a lot from Part 1 and Part 2 of this series. So much so, I subscribed! You did the right thing by splitting the information into two parts. The videos were packed with good information. I have a question after watching several of your videos. Is it possible to switch from Plan G to Plan N without going through underwriting? I have had Plan G for two years, but now believe Plan N might be a better choice for me.
I appreciate the way you deliver this important information. I have, what may be, an odd question…..if you went with the wrong agent when you started out and help is non existent, can you keep the policy and fire the agent? I understand if that’s not a question you feel comfortable answering! Thanks again for your informative videos.
The answer is no. The reason is that insurance companies rightly believe that if they allowed it, there would be category og agent that simply targeted exisiting clients to pressure / influence them to change agents. The result is no new business for the company, but they and their productive agents would be spending time and money trying to keep what they already have. The only way to change agents is to change insurance companies.
@@MedigapSeminars Thank you for the reply and confirming my suspicions! I totally understand, it would create a pretty bad environment with accusations of agents stealing away clients I’m sure.
I used to have an Advantage plan with no premiums and only $199 max out of pocket and I had no problems with any approvals but I switched to Supplement Plan G this year and paid a high premium only because I didn’t want to risk the chance of a treatment being denied no matter how low that risk may be. Not sure if that was the right choice because it really is a lot of money to keep Plan G and I hardly need to go to the doctors, as least for now .
Your videos are great, I have a suplimental plan MY I don’t see that plan on your list, please let, me know what it is? MY bought In Massachusetts about 12 years ago!
What is the video length (time) range you prefer? Contact us here: medigapseminars.org/contact-us/ or get a free Medicare supplement quote here: medigapseminars.org/request-a-quote/
I plan to have Marketplace med insurance in 2025 but I will qualify for Medicare in June of 2025. Is there a special procedure to switch from a Marketplace insurance to Medicare?
yes. Becoming eligible for mediocare is a Life Changing event and creates a special enrollment for you. Use this calculator to see when you can enroll in Medicare: medigapseminars.org/medigap-calculator/
I have had both supplement after first year my supplement went up even though my health is very good. My concern I have needed dental for some expensive work I needed done and then I switch to a Advantage for the dental. I have relatives that have medical issue and supplement went up for both $400 just for the supplement that is $800 a month for both plus paying for part A&B and drug prescription. That drop them to low income still cannot get medicate because if they drop the supplement they would be over. Once the supplement went up the agent goes I can't switch you because of your health. People just know when you have health issues your supplement will go up!!!! i have seen this happen to three of my relatives all three $400 each. One is low income but has a 401k that her health insurance will eat up. Juat saying!
Medicare supplement plans cannot and do not adjust prices based on your health. Price changes are for everyone with that plan in whatever area / zip code you live in. In addition, all price changes must be approved by the state. I believe th issue here is likely the insurance company chosesn for the supplement. That is why I say that the insurance company you choose has a greater impact on price than the plan you choose. PS - changing to an advantage plan for dental insurance is like trading in your house for a tent.
@@MedigapSeminars My dental work cost was $6000. and you only get a discount if you have a dental insurance I end up paying around $1200 out of pocket. After my husband"s sister had two surgery's for afib one for top of heart and one for bottom of her heart by two different sergeants. Last year her supplement was $200 and jump to $400. Its hard for me to believe that they don't raise prices due to health. I also watch a video of the reason for them to raise if the group your in aren't making a percentage amount they raise your cost for thier profit. Then your health issue are not good no other plan will take you and then your stuck. Low income SENIORS cannot afford a supplement thats why they go to Advantage plan. Bottom line people who are just above the medicate income level cannot afford the quality care as the ones who can afford a supplement.
Not a major difference, but a difference nonetheless...I have always read that the Medicare Open Enrollment Period for those starting Part B is actually 6 months, not the 180 days in the video. Again, not much of a difference, but could be important.
I thought the 25 minute presentation was great. Not too long but long enough to give thorough coverage of the topic. A question for you - I have the Birthday Rule because I live in CA. Why do you not accept the birthday rule? Do insurers not compensate you for obtaining coverage using this rule?
That is correct. Insurance companies will not compensate agents for Guarantee Issue birthday rule businesss except in a few states where it is mandated by law.
Thank you Matthew for presenting these videos. I chose my original Medicare 2 years ago after watching all of your videos--many times over--and taking notes! I have been so happy with my medical policy, and will always remember making the decision to “buy the insurance that I will need when I am sick….” Not for now. I also love how proactive your representatives are with making sure that I am updated when changes are looming! As for video length, yes, I like the 2 video format, and 25 to 30 minutes is good. Lastly, I am in the mental health care field, and also have a nursing background. When ever I go to the doctor, and they ask for my insurance, they always reply, “oh, you have the good plan! Original Medicare with a medigap supplement!”
Thank you for taking the time to write these kind words. i am very happy that you are pleased with the plan we helped you get!
Thank you Matthew for continuing to give a quality education to seniors who want to know. My wife and I are in our early 70’s and chose advantage plans when we began Medicare for 2 reasons. First because of ignorance and not realizing there are people like you who can educate us. Second, the advantage plan seemed like great insurance because it was so much better than we had while working. But as our knowledge increased, we realized we had made an error in judgement and were fortunate enough to be healthy enough to qualify for Medigap plans with your help and with a very strong company. What you did for our family can’t be measured in just dollars. The peace of mind is priceless. Thanks Matthew and keep up the great work you do. 😊 Also, I think the 2 video concept is probably more realistic since you release them close together. Take care.
Thank you. I appreciate youyr kind words.
Much prefer the two part video.As usual I always watch your videos to keep updated and to reassure myself that you steered me in the right direction with my Medigap policy 5 years ago.I was so lucky to have been able to choose the F HD plan.No regrets whatsoever (so far!) Thank you again Matthew..
you are welcome
This seminar is outstanding! It's the 1st time I've understood anything Medicare fully. Thank you!!!
You are welcome
This guy spits a lot of truth, thank you so much. Of course I listened and used his company to find me a high deductible g and a part d. Thanks I am still very happy.
Thanks....although I try not to spit when I talk. 😂
Another excellent video series, Matthew! As someone who recently became eligible for Medicare, and who began my due diligence regarding Medicare choices a year in advance (off and on), I can definitely say it pays to do research, as this is one of the most consequential health decisions a person will ever make. I've collected numerous TH-cam video links and PDFs on various Medicare topics to help me mull things over and make an informed decision. And as a new client of MedigapSeminars, I can vouch for the able assistance your agent provided me. Educating yourself is essential, but tapping into the expertise of someone who knows the ins-and-outs of the industry is invaluable.
Thanks so much for investing the time to make these informative, no-nonsense videos!
I throw my vote in for two separate videos of 20-30 minutes long... just about right for reaching the saturation point for those new to the game.
Thank you for these informative videos. I signed up for Medicare A in 2020. I have "creditable" employer insurance and did not sign up for B. Next year I will step away from 40+ years in the building trades. My biggest take away from the learning curve of Medicare is how complicated it is. This feels akin to putting banana peels on the ground in front of folks in the hope that they will slip. Every slip means more money for insurance companies. It is all so unnecessarily convoluted.
I agree, it is more complicated than it has to be. The good news is we walk our clients step by step through the process. We make it easy for you, protect you from mistakes and all at not cost to you. Whichever insurance company you choose will pay us for you. Reach out us medigapseminars.org/contact-us/ or 800-847-9680
Two part video is better than one long video. Thank you.
I have used matthew for two yrs now, he is a no BS type guy. I have called the office w/ a ?? and they are on it. Thank you Matthew and team for a job well done. I like the two part vidios
I appreciate the kind words, and I'm glad to hear my team is helpful.
I prefer the two part videos. The videos today were good as to the time lengths of each. The information given to us was valuable and as always I am very appreciative.😊😊
Awesome, thank you!
Thank you so much! I prefer the two segment video and look forward to listening to more videos.
I appreciate your input. I am going to try for shorter content in the next videos.
Thank you . I have been a client since retiring and your team has been great.
You are welcome!
Thank you. The two-part videos are helpful.
you are welcome
2 part for sure ! Thank you for your very organized presentation !
Thank you,your information has been wonderful.
You are welcome!
Have had many people tell me over the years that have been on Medicare for years to get all the Medicare coverage you can afford. Because they didn't, and ended up in a bad financial situation due to health problems later in life with themselves or their spouse. So a supplement plan is the way I'll go, when i do retire. Either G or N. Still have awhile to weigh options. Thanks Matt. Appreciate all the info! Excellent videos.
You're welcome
Thanks for the update!
You bet!
Thanks for posting Part Two. I have my answer now.
You're welcome
Thanks Matthew. Great info as usual.
My pleasure!
EXCELLENT INFORMATION
Thank you!🙂
Breaking the videos into parts is helpful to information overload/ decreased attention span/ missing covered information due to lack of attention.
Thank you
Waiting for the commercials with Martha with the big glasses to tell me what to do...operators are standing by now....🤣🤣
😅
Thanks! Need to decide next year and as a health care provider will look hard at gap policies with part D as an option. Also wonder about dental options.
I really learned a lot from Part 1 and Part 2 of this series. So much so, I subscribed! You did the right thing by splitting the information into two parts. The videos were packed with good information. I have a question after watching several of your videos. Is it possible to switch from Plan G to Plan N without going through underwriting? I have had Plan G for two years, but now believe Plan N might be a better choice for me.
@@bonniemeadows4732 in most states and with most companies you cannot switch from a Medigap plan G to a Medigap plan in without underwriting.
I appreciate the way you deliver this important information. I have, what may be, an odd question…..if you went with the wrong agent when you started out and help is non existent, can you keep the policy and fire the agent? I understand if that’s not a question you feel comfortable answering! Thanks again for your informative videos.
The answer is no. The reason is that insurance companies rightly believe that if they allowed it, there would be category og agent that simply targeted exisiting clients to pressure / influence them to change agents. The result is no new business for the company, but they and their productive agents would be spending time and money trying to keep what they already have. The only way to change agents is to change insurance companies.
@@MedigapSeminars Thank you for the reply and confirming my suspicions! I totally understand, it would create a pretty bad environment with accusations of agents stealing away clients I’m sure.
I used to have an Advantage plan with no premiums and only $199 max out of pocket and I had no problems with any approvals but I switched to Supplement Plan G this year and paid a high premium only because I didn’t want to risk the chance of a treatment being denied no matter how low that risk may be. Not sure if that was the right choice because it really is a lot of money to keep Plan G and I hardly need to go to the doctors, as least for now .
it was the right choice...keep plan g forever.
Any supplement plan will eliminate the risk of denial so prevelant in Advantage plans.
Your videos are great, I have a suplimental plan MY I don’t see that plan on your list, please let, me know what it is? MY bought In Massachusetts about 12 years ago!
What is the video length (time) range you prefer?
Contact us here: medigapseminars.org/contact-us/ or get a free Medicare supplement quote here: medigapseminars.org/request-a-quote/
10-15 min
@@MedigapSeminars No more than 15 min.
Two part is fine with me. And I have patience so 25-30 min works for me. Definitely make the time to watch your videos. Thank you!
Two Part video
thank you for commenting
What is plan MY
There are only ten standardized supplement plans: medigapseminars.org/wp-content/uploads/2022/10/2025-Medigap-Benefits-table.pdf
I plan to have Marketplace med insurance in 2025 but I will qualify for Medicare in June of 2025. Is there a special procedure to switch from a Marketplace insurance to Medicare?
yes. Becoming eligible for mediocare is a Life Changing event and creates a special enrollment for you. Use this calculator to see when you can enroll in Medicare: medigapseminars.org/medigap-calculator/
2 part
thank you
I have had both supplement after first year my supplement went up even though my health is very good. My concern I have needed dental for some expensive work I needed done and then I switch to a Advantage for the dental. I have relatives that have medical issue and supplement went up for both $400 just for the supplement that is $800 a month for both plus paying for part A&B and drug prescription. That drop them to low income still cannot get medicate because if they drop the supplement they would be over. Once the supplement went up the agent goes I can't switch you because of your health. People just know when you have health issues your supplement will go up!!!! i have seen this happen to three of my relatives all three $400 each. One is low income but has a 401k that her health insurance will eat up. Juat saying!
Medicare supplement plans cannot and do not adjust prices based on your health. Price changes are for everyone with that plan in whatever area / zip code you live in. In addition, all price changes must be approved by the state. I believe th issue here is likely the insurance company chosesn for the supplement. That is why I say that the insurance company you choose has a greater impact on price than the plan you choose. PS - changing to an advantage plan for dental insurance is like trading in your house for a tent.
@@MedigapSeminars My dental work cost was $6000. and you only get a discount if you have a dental insurance I end up paying around $1200 out of pocket. After my husband"s sister had two surgery's for afib one for top of heart and one for bottom of her heart by two different sergeants. Last year her supplement was $200 and jump to $400. Its hard for me to believe that they don't raise prices due to health. I also watch a video of the reason for them to raise if the group your in aren't making a percentage amount they raise your cost for thier profit. Then your health issue are not good no other plan will take you and then your stuck. Low income SENIORS cannot afford a supplement thats why they go to Advantage plan. Bottom line people who are just above the medicate income level cannot afford the quality care as the ones who can afford a supplement.
Not a major difference, but a difference nonetheless...I have always read that the Medicare Open Enrollment Period for those starting Part B is actually 6 months, not the 180 days in the video. Again, not much of a difference, but could be important.
Yes, it is especially important to procrastinators. Most insurance companies use 180-days, not six calendar months.
I thought the 25 minute presentation was great. Not too long but long enough to give thorough coverage of the topic.
A question for you - I have the Birthday Rule because I live in CA. Why do you not accept the birthday rule? Do insurers not compensate you for obtaining coverage using this rule?
That is correct. Insurance companies will not compensate agents for Guarantee Issue birthday rule businesss except in a few states where it is mandated by law.