✅ Watch the internet's #1 Online Medicare Educational Workshop for FREE: medicareschool.com/master-medicare/? ✅ To get 1 on 1 Help from our Team, Schedule a Call Here: medicareschool.com/talk-to-a-guide/?
For those of us on a fixed income. Taking an additional 11.00 a month away for Medicare premiums is a big deal. Plus we end up buying a supplemental and a drug plan.
Medicare advantage is in my opinion better. I have a florida blue Medicare HMO. You have to make sure you see in network drs and facilities. But it saves you money. Zero copay to see my PCP. Specialist copay is $15. Surgical facility copa $65. Inpatient copay $150 a day for the first 5 days. Then 100%. No deductibles. Most medication is free except teir 3 which is $40 copay Dental services new this year paid 100%. No annual max. This is my Medicare advantage plan
Very sad that many of us worked and paid more than our fair share over 40-50 years into Medicare! This is disgraceful and shameful! I was an Emergency nurse & paramedic for 40+ years, I often worked overtime cuz I was needed to fill gaps in staff.. so when I finally retired, I m punished by having to pay more & more for Medicare👎👎👎👎. This is how our government “thanks us”?👎👎👎
Thank you for always staying on point and not interjecting all kinds of side talk. You always cover every single detail and it's all important but you stick to the agenda.
So many people under sixty think medicare is such a breeze as is social security. They have no idea about all the choices that impact you the rest of your retirement. On top of that, every year brings more changes and more decisions to review. Thank you for providing great information. Well worth warching multiple times to really digest and understand albthe information
So glad that we could be a great help at better understanding how Medicare will work for you. It is our pleasure, if you have any questions you can always give us a call we're happy to help! 800-864-8890.
How can you say “Medicare only going up a little bit”? What planet do you live on? That is about a 0.05896 percent (close to 6%) while SS only went up 2.5%. That is over DOUBLE the SS increase. Add to that my home owners and Auto insurance BOTH went up in the neighborhood of 20%. This is unsustainable.
@@jamesp.7496 Obviously you are not on SS. You don’t go to Starbucks if you’re on SS. You need that ten bucks for the increase in meds, electricity, heat, and food. It’s back to cat food. Dog food went up in price too much.
Your presentation explaining the drawbacks under Medicare Advantage plans if I were to come down with a cancer was so illuminating. There are no free lunches period. Thank you for your honesty. As we grow older the chances of cancer increases.
@@donnax6828I had cancer twice. Chemo did not stop the cancer and it caused other complications. Second battle I refused chemo and I here 16 years later cancer free.
Then, as soon as you reach your full retirement age and you can make as much as you want, they tax you on your Social Security if you make over a certain amount! And then they take out your regular Social Security and Medicare fees out of your wages as well! Tax on a tax! How unfair is that?
I'm 66 and I work part time, have to! So paying into for over 42 years and still get taxed for social security and Medicare. So in a sense I'm paying double! We are so getting screwed!!
Part D went from 7.40 to 47.50. Add the 10. extra premium. I am living on less than $1700. Totally ridiculous. I had to quit going to Doctors and food is out also. What planet are these people from?
@@BostonHollyAndSnoop take a D3/K2 supplement. Use coconut oil pulling and floss after you eat. Don't use mouthwash too much -- the alcohol destroys the good bacteria in your mouth that protects your gums. Non-alcoholic mouthwash is okay but no more than once a day. Brush your teeth once or twice a week with a turmeric/baking soda paste (the rest of the week you can use normal toothpaste). Research this -- plenty of YT vids on this. It's protective of your gums and teeth.
@@mojo3262 I questioned the lady from SSI about that... She said, "no you still have to pay as long as you are working for pay". I couldn't believe her answer.
I wish you talked a little slower. It was hard for me to follow parts of this. But as a retired teacher, I understand😊. My comment is about the COL increase. I was dual eligible for Medicare & Medicaid until last year. The COL increase we got last year, took me $500 over the maximum for Medicaid eligibility. As a result of this, I am no longer eligible for extra help with my prescriptions. I have determined that I am going to haven't find a job b/4 2025 on order to afford the copay on any tier 4 or 5 drugs I have. THAT is information we needed in June, 2024 rather than October. Let people know about this, please.
If you listen to multiple videos and short videos he teaches, you start to learn the lingo and he even breaks down each topic. The more you listen the more it starts to click and make sense.
Question on the deductible I’m in the hospital for 8 days and then 50 days I go back there is no deductible. I get out in eight days. Does my 60 days start over from when I’m released the second time
The 60 day period starts the day you are discharged from the hospital, if you go back to the hospital within that 60 days you do not have to pay the deductible. If you return after the 60 days period then that is when the deductible would come back into the picture.
The biggest problem is the system. There are many health care providers take advantage of the " the government pay and the patient doesn't care." The medicine is very expensive and the middleman makes tons of money.
Seem like debt occurs to medicare and old citizens and wealth go to hospitals/ and all the healthcare providers including medication dealers/ companies
It’s critical for Medicare-eligible individuals to select optimal plans to reduce the likelihood that lack of coverage would prevent smart health care utilization choices, not only for their health outcomes, but also to help keep health care spending in check.
In my opinion, enrolling in medicare isn’t just a way to get health care coverage when you turn 65, it’s also a major part of ensuring financial security during retirement. Individuals can seek counsel from a certified financial advisor, who can provide specialized advice and methods to decrease expenses and maximize income.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $800,000 by investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Kathie Daisy Bosco’’ for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Kathie has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
You need to double check because if you wait to apply for Medicare and are not covered under an employers group coverage there could be some issues. Check into it.
@@wisepati123 you are absolutely correct, I carry workplace health insurance rt now so I won't get penalize after age 65 when I apply for Medicare insurance.🙂
And if you qualify for DTA/EBT, they consider the SS increase as income and cut benifits. I'm expected to survive w/a $50/week allowance. They don't consider Medicare Increases as medical care increases, lol
Is there a way to get the chart as document or PDF I would like to show my parents, aunts and uncles. They only speak Spanish and if I had the document in my hand it would be so much easier
I just signed up for Medicare for 2024 at age 65yo. Every single independent agent I spoke to in Denver strongly discouraged Medigap policies, and when I asked they didn't have any info really. Just hope I don't regret it. People 10 years older than me often have these Medigap policies but they are now around $400 a month.
@@AliceR27 I pay $100/month with Humana for supplemental. I paid $430/month supplemental prior with United Healthcare (preexisting conditions) but was waiting until my birthday month rolled around to make the switch with no medical underwriting because of my state’s law for making supplemental to supplemental change. I was lucky. I will hold on to a supplemental plan for the foreseeable future and LOVE the ease of choosing doctors and treatment approvals.
The commission on Medicare Advantage plans is double (2x) the commission for Medicare Supplement (Medigap) plans, so many independent agents are looking out for themselves, not you.
It depends on where you live. If you can afford it, it is always better than advantage plans because the out of pocket charges can add up and the delays or denials of authorizations. Even needing home health, rehab or physical therapy is almost impossible to get a prior authorization sometimes.If you absolutely cannot afford a supplement be sure and call this group they will check every plan to fit your circumstances and guide you in your decision WITH NO pressure at all. But call before December 7. That's when open enrollment ends. I chose plan N which does have a tiny bit of risk but it was almost $40 cheaper.
$419 per day? We live in a society that does not value peoples healthcare. It values youth and people who make money. Even more primitive societies took better care of their elders.
What about married filing separately for 20 years? I get the IRMAA penalty and I still work with continued deductions for social security and Medicare. I think I need to make an in-person visit to social security.
I appreciate your kind Effort! Thank You! I would appreciate when showing the Writing Board… if YOU would get completely out of the Video & Enlarge the WhiteBoard. Thanks! 🙏🏻
And remember, the contracts they have with doctors are abysmal. They pay a 325 doctor bill about 75. It's disgusting and why we have so few family practitioners and no independents.
I am going to be 65 in 2026 and will apply for Medicare then. Please clarify this for me: so if I understood you correctly, every year after I turned 65 and received my medicare, the premium will automatically change because it will look back to my previous 2 years' adjust income? TIA
Can you please clarify something since you seem to mention two different look back periods. Sometimes you say they look back to your MAGI in 2022 and later you say they look back to your MAGI in 2023. Which is it? Please tell me which of these two scenarios your are saying applies, assuming MFJ examples: Scenario 1) The IRMAA bracket of $212,000 was part of the new 2024 tax year IRMAA brackets, so I think it will be used when filing our 2024 income taxes. Since it is for the tax year 2024, it looks back to 2022 MAGI to determine what your 2025 Medicare premiums would be. However, since taxes filings for 2024 are not due until April 2025, that means any IRMAA penalties for 2025 wont’t start until after the tax filings. If this is true, will the penalty be applied retroactively in the later months of 2025? Scenario 2) since the new tax bracket is used to determine your IRMAA penalty for 2025, maybe the IRS will look at your 2023 taxes and if our 2023 MAGI was over $212K, then we will start paying the IRMAA penalty immediately in Jan 2025. As I write this I realize now that while I always thought Scenario 1 was true, I am starting to think that it is really Scenario 2 that is correct. Which is correct?
@ I understand that the look back is two years, but note that BOTH of the scenarios I mention have a 2-year look back. What I am confused with is the the title refers to 2025 IRMAA Brackets, and we still haven’t got the final stuff for Tax Year 2024 yet. When the term Brackets is used by the IRS , it is usually referring to the Tax Year in question. So the $212K MFJ bracket would be for Tax Year 2025, and it would look back to 2023 to see what the IRMAA penalty to pay during year 2025. If that interpretation is correct, then that is what I am trying to describe in my Scenario 2, not Scenario 1.
I took my mom to the DR. and they handed her an ABN. She said what does MC cover. She said only do what MC covers. They weighed her, checked her BP and sent her home and all the test they said she needed she didn't get because MC did not cover it. Well she could have check her BP at home and weighed at home.
This doesn’t seem right. What did your mother go in for? She should be able to be treated for that. But if you only had Medicare and not a supplement, you might have to do a co-pay. I’m surprised Medicare would pay for that because Medicare would consider that an annual physical checkup and they don’t pay for that.
This must be a misunderstanding. Many clerks are not very helpful. Medicare generally pays 80% and you are expected to pay a 20% co-pay if you don't have additional insurance, but many doctors will accept the 80% amount for full payment. Sign up on their website (medicare) so you can understand how it works and find doctors that will help you. You should get a giant catalog showing what Medicare pays for each year. The 2025 one is out already.
When you start collecting Social Security and you then are automatically enrolled in Medicare do they start taking the $174 our for Part B and enroll you in that? Or do you have to ask for that? Thank You!
My Medicare premium (supplemental) makes it impossible to save for the deductibles. I refuse to go on an Advantage plan. I make just a few $$ over the limit for the extra help. I don't expect things to improve under the incoming administration. This is when people will see how their votes truly affect them personally.
Well, if you refuse to take an advantage plan!! Then you are stuck between a hard place. I didn't wanti to take an advantage plan either but I can't afford the $184 part b premium! Plus I am relatively healthy. So I just have to stay on top of advantage plan! It is what is....
I hope that you are in charge for the Social Security Administration....Especially since Martin O ' Malley had to leqve... amen. We all need a Good Guy like you. amen.
You can start receiving social security at 62. You can not get Medicare until 65. Before 65 you have to enroll for marketplace healthcare, or qualify for Medicaid.
No. But when you begin receiving SS if you have accrued 40 work units. You will automatically receive M'care part A. You will pay the $185 a month for part B or you can opt out of part B. But if you do that you won't have insurance for anything other than hospital stays. Once you get part B it will pay 80% of your medical bills. To have the other 20% covered you will need either a M'care supplement plan or an advantage plan. You can opt out of part D but if you choose to do so you will be charged a penalty if you ever decide to enroll in a D plan. This may be more information than you need and you may be aware of all this. If so please forgive me.
You do not HAVE to be in Medicare especially if you are still working or covered by a spouses employer plan as well. Other wise we would advise taking Medicare to avoid any penalties.
Omg. Traditional Medicare is the worst insurance I have ever encountered. The out of pocket is over the top. These people are retired. They don’t have that kind of money. Everyone needs to go to a Medicare advantage. I could not survive financially with traditional Medicare.
I'm sorry I'm confused. I'am 65 and still working at a full time job making 51k . I turn 66 in April and planning on retiring in Feb 2026. With your example above Before the year of FRA (22,300) Does this mean I' am making to much right now? and I'm over what I should be making (22,300) and I'm going to have to pay whatever penalty?
That would not apply until you are actually collecting SS benefits. So you are fine as of now. Since you don't plan to start collecting until your FRA, then there's no limit on what you can make in a year. That only would apply if you collect before your FRA.
You talk about a SS44. If I had 2 Major Roth conversions in the last 2 years that would show I should pay IRMAA and now my income does not suggest I should pay IRMAA when I start claiming Medicare. Can I claim an exception and what category would I select?
That counts as income so it can not be appealed. You may want to meet with a tax specialist also so they can assess. This depends on how the conversion was.
The IRS allows all taxpayers to deduct their qualified unreimbursed medical care expenses that exceed 7.5% of their adjusted gross income. You must itemize your deductions on IRS Schedule A to deduct your medical expenses instead of taking the Standard Deduction.
Currently the standard deduction is very high, but it will end at the end of 2025 when Trump‘s tax changes expire. Who knows what it will be after that.
As long as you are in a special enrollment period, we may need more information to properly answer your questions completely. You can call us at 800-864-8890, our team can determine when your enrollment period will be begin.
If you retired you can appeal that IRMAA to go back to a standard premium. That would qualify as a life changing event. You can watch this video here that elaborates on that! th-cam.com/video/sanJtgQxqjY/w-d-xo.html
Good luck with the appeal I worked one month into the year and they hit me with Irma the ss44 ask how much you are going to make and it’s like next to impossible to fill out
So when you file taxes jointly it can mess up the spouse that takes their SS earlier than FRA because it takes into consideration both incomes when it comes to the $$ ($22,300 this year). Am I understanding that correctly? So will the spouse that took their SS early get penalized even after the other spouse starts collecting at his FRA? I hope I'm making sense.
No for the earnings test those are calculated for each individual. So if you are both collecting before FRA, both would go through earning tests and each can make the $23,400(2025) amount.
If someone didn't work for 10 years, is disabled, would getting a medicap plan be suitable? If some one has a chronic disease, is 52 years old,, applies for SsI, and has worked over 10 years, is receiving public service medical not from work; what is recommended to do? Will Obama care exist next year? Can u get extra money for eye care, orthodontist deductions working part-time only?
Give us a call so we can better understand your situation and we can guide you based on what information we have. You can call our office at 800-864-8890. We would be happy to help!
I'm 67 and 8 months (full retirement age) and still working full time and have applied and confirmed my SSI payments. I stopped my health benefit at work because I understand that Medicare part B comes out of my monthly payment automatically. Can anyone here that knows, confirm to me if I did this right with my Medicare? I already have a Govt. issued Part A card.
There are some rules that need to be met in your circumstance. Having to do with the number of employees at your workplace and when and if you do decide to get part B you will have to have your employer fill out a form saying you've had credible insurance. Be sure and call Medicare School, to have everything explained to you they are REALLY nice and willing to help you
We do not offer high deductible plan G with our company. We do have a video that briefly discusses this option. th-cam.com/video/5Gz0bfbtQgc/w-d-xo.html
Couldn't find Your Medicare Monday Event tonight (11/11/24). Did it not air or did I just push the wrong button. Are those events playable later? Thanks...
We absolutely do, you can check that out here: th-cam.com/video/JJYauUj8MWU/w-d-xo.html If you have any other questions you can give us a call at 800-864-8890.
The 174 is for 2024. It should already be deducted from you SS.. It increases to 185 in 2025. And you will be responsible for whatever your premium is for G
@@8aNda1d I will be getting SS but still working full-time. In April, I'll be 67. I want to work part-time and change over to the G plan, but the cost of B monthly and G plan monthly is a lot.
That is one that can not be appealed, depending on what the amount was, would likely out you in a higher bracket. If you have any questions you can call our office at 800-864-8890.
Thank you for putting a great video. Do you know Cigna supplemental plan holders move forward next year in 2025 after the deal with Service Heath Care Corporation ? What is the outcome of policy benefit holders ?
Great video, but you made a mistake with the dates at the very end of your presentation for "Before the Year of FRA". It should be 11-1-2021 to 12-31-2025 (not 11-1-2021 to 12-31-2026).
All would remain the same, if anything were to change they would notify you that they will no longer help paying your Part B. But overall that system will remain as is.
So you work a person like a dog until they are 65 or if you are born in the 70's and started working at 15, you have to work even longer to be able to get your SS benefit and you have a really good chance now of dying before you ever see a single check. Yeah and the government gets to keep all you paid in, Except that two hundred and some dollars benefit for dying. (but you are dead so that doesn't matter.)That benefit is an insult and you should just keep it. So based off of this, less and less people will ever see a SS check as time goes on. Want to know what breaks my heart? Seeing someone at Walmart in so much pain form working their whole life and can't make ends meet so here they are in their 80's having to work to be able to buy food. So in my case I will have worked 52 years of my life before I can even reap the benefit full retirement because it is based on AGE the year you were born and not nec. how many years you worked, so the 70's children /probably the last of a dying breed, worked like dogs while trying to graduate to find that the American dream got pushed out a little further even though you will have worked more than the generations ahead of you and we know that at least 20% of those will never see age 67, but they might get close.. and that is what the government is counting on. If you make it, then look at the cost of just food and all that comes out of that check for Medicare, gap ins. lol you are in trouble because you are getting taxed on everything, you got a Mortgage and work your but off to have the house paid off by 67, but guess what, now the cost of homeowners insurance and property taxes keep going up and up by the time you reach 67, how do you think you are going to be able to keep the house you "think" you own? You are just going to turn around and give the government back a huge chunk of your SS to cover the "taxes" on the house that you supposedly bought and paid taxes on already and each year you are going to have to pay more and more property taxes to keep that house and the taxes and insurance will end up being more than what your mortgage was originally a month. Am I to believe that we pay into Medicare our whole lives so that when we are old and tired and weak we can get by?
IM NEW TO THIS AND QUITE CONFUSED ON THIS... my husband will be retiring next year 2025 or 2026 and We have now Aetna, which i like alot but i am not sure if i can afford to keep Aetna as the supplement under the PPO plan. for what you just said about Part A nd B would that be cost effective for me? that they will charge me money of $185 plus what Aetna charges as the supplemental plan? or should i go to Optiumn plan as a supplemental plan that all my doctors are on, except for my primary dr. please reply to me thanks
You will want to meet with someone on our team that can guide you and better assist you. We can not give our recommendations without first fully understanding the scenario. You can give us a call at 800-864-8890.
Does Medicare (Or Social Security) monitor my IRS Tax Return Filing Status? I'm 73, was single for a decade, then married in August 18, 2023. I'm paying a high IRMMA. I filed a married joint tax return for my 2023 Taxes. Will Social Security or Medicare pickup on that and automatically adjust my IRMMA for the January 2025 Calendar year regarding IRMMA reductions from my Social Security?
They automatically review IRMAA every year dating 2 years back. So for 2025 it will asses your 2023 income and will adjust accordingly. Here is a video on how that all works! th-cam.com/video/sanJtgQxqjY/w-d-xo.html
Is the earning test for taking social security early just on the person taking SS or joint income. Example spouse is 62 and below the earnings limit. I am 63 and still working so above the limit. I know her SS amount will be reduced since she is not at FRA but curious if she will also be penalized by my income.
If a person turns 62 in February 2025 and wants to start drawing there SS when should they go and apply on the SS web site? I would think it would be now? 11/2024
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For those of us on a fixed income. Taking an additional 11.00 a month away for Medicare premiums is a big deal. Plus we end up buying a supplemental and a drug plan.
I love the way we have to pay for it even when we don't use it all year.
I've had to read through many health plans while working to make a decision. By far, nothing is anywhere near as complicated as they made Medicare.
Medicare advantage is in my opinion better. I have a florida blue Medicare HMO. You have to make sure you see in network drs and facilities. But it saves you money. Zero copay to see my PCP. Specialist copay is $15. Surgical facility copa $65. Inpatient copay $150 a day for the first 5 days. Then 100%. No deductibles. Most medication is free except teir 3 which is $40 copay Dental services new this year paid 100%. No annual max. This is my Medicare advantage plan
Very sad that many of us worked and paid more than our fair share over 40-50 years into Medicare! This is disgraceful and shameful! I was an Emergency nurse & paramedic for 40+ years, I often worked overtime cuz I was needed to fill gaps in staff.. so when I finally retired, I m punished by having to pay more & more for Medicare👎👎👎👎. This is how our government “thanks us”?👎👎👎
@janetharris9291 Yeah I ha have what they call an open HMO with only $2900 max out of pocket.
Thank you for always staying on point and not interjecting all kinds of side talk. You always cover every single detail and it's all important but you stick to the agenda.
It is our pleasure, so glad that we can be of great help!
So many people under sixty think medicare is such a breeze as is social security.
They have no idea about all the choices that impact you the rest of your retirement.
On top of that, every year brings more changes and more decisions to review.
Thank you for providing great information. Well worth warching multiple times to really digest and understand albthe information
So glad that we could be a great help at better understanding how Medicare will work for you. It is our pleasure, if you have any questions you can always give us a call we're happy to help! 800-864-8890.
Agree I always watch the videos at least 2x once just to listen the second time to take notes.
I don't understand why we are FORCED to be on medicare...
We the people
Control
One of the best videos, if not the best, explaining these medicare stuff. Thank you!
Glad it was helpful!
How can you say “Medicare only going up a little bit”? What planet do you live on? That is about a 0.05896 percent (close to 6%) while SS only went up 2.5%. That is over DOUBLE the SS increase. Add to that my home owners and Auto insurance BOTH went up in the neighborhood of 20%. This is unsustainable.
It’s $10.00 a month. It’s like 2 cappuccinos at Starbucks a month. Happens every year. ❤️🌵
Thank your politicians!
@@jamesp.7496
Obviously you are not on SS. You don’t go to Starbucks if you’re on SS. You need that ten bucks for the increase in meds, electricity, heat, and food.
It’s back to cat food. Dog food went up in price too much.
AND the power bill! And food!
That’s the plan.
THIS GUY IS THE BEST AT WHAT HE DOES
Praying 🙏 people
You are a great teacher in explaining some of the complications of the fees and benefits. Thank you!
Glad that we could be of great help!
Your presentation explaining the drawbacks under Medicare Advantage plans if I were to come down with a cancer was so illuminating. There are no free lunches period. Thank you for your honesty. As we grow older the chances of cancer increases.
We are glad this information has been helpful! If you have any questions you can always give us a call at 800-864-8890!
If I get cancer, I’m checking out. Chemo is not worth it.
@@donnax6828I had cancer twice. Chemo did not stop the cancer and it caused other complications. Second battle I refused chemo and I here 16 years later cancer free.
Then, as soon as you reach your full retirement age and you can make as much as you want, they tax you on your Social Security if you make over a certain amount! And then they take out your regular Social Security and Medicare fees out of your wages as well! Tax on a tax! How unfair is that?
40 QUARTERS CUMULATIVE?
I'm 66 and I work part time, have to! So paying into for over 42 years and still get taxed for social security and Medicare. So in a sense I'm paying double! We are so getting screwed!!
@ So true! Makes me mad!😡
Wow, crazy premiums
Part D went from 7.40 to 47.50. Add the 10. extra premium. I am living on less than $1700. Totally ridiculous. I had to quit going to Doctors and food is out also. What planet are these people from?
Ditto. The dentist hit the road, too.
Planet Greed
@@BostonHollyAndSnoop I quit that years ago.
@@BostonHollyAndSnoop take a D3/K2 supplement. Use coconut oil pulling and floss after you eat. Don't use mouthwash too much -- the alcohol destroys the good bacteria in your mouth that protects your gums. Non-alcoholic mouthwash is okay but no more than once a day. Brush your teeth once or twice a week with a turmeric/baking soda paste (the rest of the week you can use normal toothpaste). Research this -- plenty of YT vids on this. It's protective of your gums and teeth.
Thank you for the video....clarifies a lot of questions I had about Medicare.
Glad that it could be so helpful!
Excellent and thorough presentation. Thanks
Glad it was helpful! If you have any questions you can contact us at 800-864-8890.
I can’t afford Medicare.
I can't either! I had to pay 3 mos up front! I didn't want to apply for SS, but figured I better do it!
@@rinar5771do it and. Look for the ,lower (GAPS) part C OR D payment...and wait untill next C H A N G E S❤
I paid into it for 45 years. still working paying into it. I did not retire I decided to work a few more years while I collect.
I'm doing the same as long as I can.
Same here but I hate paying IRMMA and continuing to pay social security and Medicare out of my paycheck.
@@mojo3262 Yes... I was shell shocked when I found out about that. Good call.
@@mojo3262 I questioned the lady from SSI about that... She said, "no you still have to pay as long as you are working for pay". I couldn't believe her answer.
@mojo3262 You dont get health care where you work? And you make above IRMMA?
I wish you talked a little slower. It was hard for me to follow parts of this. But as a retired teacher, I understand😊. My comment is about the COL increase. I was dual eligible for Medicare & Medicaid until last year. The COL increase we got last year, took me $500 over the maximum for Medicaid eligibility. As a result of this, I am no longer eligible for extra help with my prescriptions. I have determined that I am going to haven't find a job b/4 2025 on order to afford the copay on any tier 4 or 5 drugs I have. THAT is information we needed in June, 2024 rather than October. Let people know about this, please.
Let people know about what? It is unclear from what you have written.
You can adjust the playback speed under the gear (setup) at the top (for me) of the screen. All the way down to 1/4 the original speed.
If you listen to multiple videos and short videos he teaches, you start to learn the lingo and he even breaks down each topic. The more you listen the more it starts to click and make sense.
adjust the speed on the gear icon.
Turn down the play speed, rewind-relisten as needed.
Thanks for the information. Very well presented. JQ
ugggggg. I'm gonna be broke forever
@@AndyBlake-tf9xc That's what they want.
Very insightful and easy to understand such a complex system. Thank you!
We are here to help you navigate these changes!
At FRA Social Security is taxed at a percentage if you earn over a certain amount. Could you do a video on that for 2025 ?
The more you make the more they take 🚩🎯💯
Question on the deductible I’m in the hospital for 8 days and then 50 days I go back there is no deductible. I get out in eight days. Does my 60 days start over from when I’m released the second time
Good question!
The 60 day period starts the day you are discharged from the hospital, if you go back to the hospital within that 60 days you do not have to pay the deductible. If you return after the 60 days period then that is when the deductible would come back into the picture.
Why does it cost the same for part B for me receiving less than $15,000 a year as someone receiving $100,000?
That is the standard rate for all Medicare recipients
Thank you for sharing Professor.
We are always here to help, glad you found it helpful!
The biggest problem is the system. There are many health care providers take advantage of the " the government pay and the patient doesn't care."
The medicine is very expensive and the middleman makes tons of money.
Seem like debt occurs to medicare and old citizens and wealth go to hospitals/ and all the healthcare providers including medication dealers/ companies
It would be good to clarify that earned wages of your spouse do not count for earnings test on your own benefits, even if filing jointly.
Thank you. Very informative.
It’s critical for Medicare-eligible individuals to select optimal plans to reduce the likelihood that lack of coverage would prevent smart health care utilization choices, not only for their health outcomes, but also to help keep health care spending in check.
In my opinion, enrolling in medicare isn’t just a way to get health care coverage when you turn 65, it’s also a major part of ensuring financial security during retirement. Individuals can seek counsel from a certified financial advisor, who can provide specialized advice and methods to decrease expenses and maximize income.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $800,000 by investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Kathie Daisy Bosco’’ for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Kathie has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
Thanks for the information I will be 65 this year. I believe I will work until 67 and 10 months
🙋🏾 me to
Of course, if you have any questions you can call our office at 800-864-8890.
I meant 67, have 2 yrs left to work.
You need to double check because if you wait to apply for Medicare and are not covered under an employers group coverage there could be some issues. Check into it.
@@wisepati123 you are absolutely correct, I carry workplace health insurance rt now so I won't get penalize after age 65 when I apply for Medicare insurance.🙂
So, Medicare goes another $10 a month, and Social Security goes up by basically nothing.
And if you qualify for DTA/EBT, they consider the SS increase as income and cut benifits. I'm expected to survive w/a $50/week allowance. They don't consider Medicare Increases as medical care increases, lol
Trump said he will get rid of social security and Medicare, if elected.
Is there a way to get the chart as document or PDF I would like to show my parents, aunts and uncles. They only speak Spanish and if I had the document in my hand it would be so much easier
You can see if they have them on SSA.gov
I just signed up for Medicare for 2024 at age 65yo. Every single independent agent I spoke to in Denver strongly discouraged Medigap policies, and when I asked they didn't have any info really. Just hope I don't regret it. People 10 years older than me often have these Medigap policies but they are now around $400 a month.
@@AliceR27 I pay $100/month with Humana for supplemental. I paid $430/month supplemental prior with United Healthcare (preexisting conditions) but was waiting until my birthday month rolled around to make the switch with no medical underwriting because of my state’s law for making supplemental to supplemental change. I was lucky. I will hold on to a supplemental plan for the foreseeable future and LOVE the ease of choosing doctors and treatment approvals.
@@mojo3262 Supplemental medical insurance is a HUGE scam!
The commission on Medicare Advantage plans is double (2x) the commission for Medicare Supplement (Medigap) plans, so many independent agents are looking out for themselves, not you.
We are happy to review those options with you. You can call our office at800-864-8890.
It depends on where you live. If you can afford it, it is always better than advantage plans because the out of pocket charges can add up and the delays or denials of authorizations. Even needing home health, rehab or physical therapy is almost impossible to get a prior authorization sometimes.If you absolutely cannot afford a supplement be sure and call this group they will check every plan to fit your circumstances and guide you in your decision WITH NO pressure at all. But call before December 7. That's when open enrollment ends. I chose plan N which does have a tiny bit of risk but it was almost $40 cheaper.
$419 per day? We live in a society that does not value peoples healthcare. It values youth and people who make money. Even more primitive societies took better care of their elders.
I cant even get a doctors appt. bc the younger, more valuable people get the appts. If someone can fit me in , it's a nurse.
What about married filing separately for 20 years? I get the IRMAA penalty and I still work with continued deductions for social security and Medicare. I think I need to make an in-person visit to social security.
IRMAA is accessed based on how to file your taxes, so if you file separately that is how they will asses your IRMAA
I’ve been using your info since 2012 when you first helped me.
So glad to hear that!
Thanks Marvin❤
Glad that we could be of great help!
I appreciate your kind Effort! Thank You!
I would appreciate when showing the Writing Board… if YOU would get completely out of the Video & Enlarge the WhiteBoard. Thanks! 🙏🏻
And remember, the contracts they have with doctors are abysmal. They pay a 325 doctor bill about 75. It's disgusting and why we have so few family practitioners and no independents.
Now I understand where my 2.5% pension increase due to the cost of living allowance will go.
I am going to be 65 in 2026 and will apply for Medicare then. Please clarify this for me: so if I understood you correctly, every year after I turned 65 and received my medicare, the premium will automatically change because it will look back to my previous 2 years' adjust income? TIA
That is correct, they review your income every year looking two years back.
@@MedicareSchool Thank you for your response. Truly appreciated
Pray trust God He said he will never leave us nor forsake us. He said in his words never seen the richous forsaken nor begging BREAD
Well prepared presentation, thank you.
Glad it was helpful!
Can you please clarify something since you seem to mention two different look back periods. Sometimes you say they look back to your MAGI in 2022 and later you say they look back to your MAGI in 2023. Which is it?
Please tell me which of these two scenarios your are saying applies, assuming MFJ examples:
Scenario 1) The IRMAA bracket of $212,000 was part of the new 2024 tax year IRMAA brackets, so I think it will be used when filing our 2024 income taxes. Since it is for the tax year 2024, it looks back to 2022 MAGI to determine what your 2025 Medicare premiums would be. However, since taxes filings for 2024 are not due until April 2025, that means any IRMAA penalties for 2025 wont’t start until after the tax filings. If this is true, will the penalty be applied retroactively in the later months of 2025?
Scenario 2) since the new tax bracket is used to determine your IRMAA penalty for 2025, maybe the IRS will look at your 2023 taxes and if our 2023 MAGI was over $212K, then we will start paying the IRMAA penalty immediately in Jan 2025.
As I write this I realize now that while I always thought Scenario 1 was true, I am starting to think that it is really Scenario 2 that is correct.
Which is correct?
Scenario one is correct, they are always going to look back two years no matter what. If it's 2024 lookback is 2022, if it's 2027 lookback is 2025.
@ I understand that the look back is two years, but note that BOTH of the scenarios I mention have a 2-year look back. What I am confused with is the the title refers to 2025 IRMAA Brackets, and we still haven’t got the final stuff for Tax Year 2024 yet. When the term Brackets is used by the IRS , it is usually referring to the Tax Year in question. So the $212K MFJ bracket would be for Tax Year 2025, and it would look back to 2023 to see what the IRMAA penalty to pay during year 2025. If that interpretation is correct, then that is what I am trying to describe in my Scenario 2, not Scenario 1.
I took my mom to the DR. and they handed her an ABN. She said what does MC cover. She said only do what MC covers. They weighed her, checked her BP and sent her home and all the test they said she needed she didn't get because MC did not cover it. Well she could have check her BP at home and weighed at home.
This doesn’t seem right. What did your mother go in for? She should be able to be treated for that. But if you only had Medicare and not a supplement, you might have to do a co-pay. I’m surprised Medicare would pay for that because Medicare would consider that an annual physical checkup and they don’t pay for that.
Advantage or supplement plan?
I laughed reading this but it’s really NOT funny!
Always, always ask the doctor to make sure the visit is coded for Medicare to cover the visit. Always!
This must be a misunderstanding. Many clerks are not very helpful. Medicare generally pays 80% and you are expected to pay a 20% co-pay if you don't have additional insurance, but many doctors will accept the 80% amount for full payment. Sign up on their website (medicare) so you can understand how it works and find doctors that will help you. You should get a giant catalog showing what Medicare pays for each year. The 2025 one is out already.
Great show.
Thank you for all the information
Of course, we're glad that we could be of great help. If you have any questions you can give us a call at 800-864-8890.
When you start collecting Social Security and you then are automatically enrolled in Medicare do they start taking the $174 our for Part B and enroll you in that? Or do you have to ask for that? Thank You!
That is automatic!
My Medicare premium (supplemental) makes it impossible to save for the deductibles. I refuse to go on an Advantage plan. I make just a few $$ over the limit for the extra help. I don't expect things to improve under the incoming administration. This is when people will see how their votes truly affect them personally.
Well, if you refuse to take an advantage plan!! Then you are stuck between a hard place. I didn't wanti to take an advantage plan either but I can't afford the $184 part b premium! Plus I am relatively healthy. So I just have to stay on top of advantage plan!
It is what is....
I hope that you are in charge for the Social Security Administration....Especially since Martin O ' Malley had to leqve... amen. We all need a Good Guy like you. amen.
I am told that in order for me to recieve social security benefits I must be enrolled in Medicare. Is this true?
You can start receiving social security at 62. You can not get Medicare until 65. Before 65 you have to enroll for marketplace healthcare, or qualify for Medicaid.
If you don't enroll in Medicare by age 65 you likely will be penalized for failing to do so. Before that age, you don't have to enroll in Medicare.
No. But when you begin receiving SS if you have accrued 40 work units. You will automatically receive M'care part A. You will pay the $185 a month for part B or you can opt out of part B. But if you do that you won't have insurance for anything other than hospital stays. Once you get part B it will pay 80% of your medical bills. To have the other 20% covered you will need either a M'care supplement plan or an advantage plan. You can opt out of part D but if you choose to do so you will be charged a penalty if you ever decide to enroll in a D plan. This may be more information than you need and you may be aware of all this. If so please forgive me.
You do not HAVE to be in Medicare especially if you are still working or covered by a spouses employer plan as well. Other wise we would advise taking Medicare to avoid any penalties.
Thank you for information
How good Medicare could be if government would help the people instead of helping themselves?
Omg. Traditional Medicare is the worst insurance I have ever encountered. The out of pocket is over the top. These people are retired. They don’t have that kind of money. Everyone needs to go to a Medicare advantage. I could not survive financially with traditional Medicare.
Thank you
It is our pleasure if you have any questions you can contact us at 800-864-8890.
I'm sorry I'm confused. I'am 65 and still working at a full time job making 51k . I turn 66 in April and planning on retiring in Feb 2026. With your example above Before the year of FRA (22,300) Does this mean I' am making to much right now? and I'm over what I should be making (22,300) and I'm going to have to pay whatever penalty?
That would not apply until you are actually collecting SS benefits. So you are fine as of now. Since you don't plan to start collecting until your FRA, then there's no limit on what you can make in a year. That only would apply if you collect before your FRA.
@MedicareSchool Thank you
You talk about a SS44. If I had 2 Major Roth conversions in the last 2 years that would show I should pay IRMAA and now my income does not suggest I should pay IRMAA when I start claiming Medicare. Can I claim an exception and what category would I select?
That counts as income so it can not be appealed. You may want to meet with a tax specialist also so they can assess. This depends on how the conversion was.
Sorry, I am talking about claiming Medicare the following year after conversions, knowing IRMAA looks back 2 years
The IRS allows all taxpayers to deduct their qualified unreimbursed medical care expenses that exceed 7.5% of their adjusted gross income. You must itemize your deductions on IRS Schedule A to deduct your medical expenses instead of taking the Standard Deduction.
Currently the standard deduction is very high, but it will end at the end of 2025 when Trump‘s tax changes expire. Who knows what it will be after that.
Marvin If I retire in May 2025 will I be able to enroll in Medicare G in May? What about the period of enrollment?
As long as you are in a special enrollment period, we may need more information to properly answer your questions completely. You can call us at 800-864-8890, our team can determine when your enrollment period will be begin.
Call them.
So if my MAGI went down significantly in 2024 due to retiring, will it take two years before that is reflected in reduced or eliminated IRMAA ???
If you retired you can appeal that IRMAA to go back to a standard premium. That would qualify as a life changing event. You can watch this video here that elaborates on that! th-cam.com/video/sanJtgQxqjY/w-d-xo.html
I would also like to know medical plan. Do you have video?
What are you looking for exactly?
If you're 58 years old and recently on disability due to cancer can I apply for Medicare coverage?
You'll be eligible for Medicare after being on SSDI for 24 months!
@ I see. Thank you, how about on Medi-Cal?
Good luck with the appeal I worked one month into the year and they hit me with Irma the ss44 ask how much you are going to make and it’s like next to impossible to fill out
Why am I paying Medicare Medical Insurance knowing that I worked more than 36 years ????
So when you file taxes jointly it can mess up the spouse that takes their SS earlier than FRA because it takes into consideration both incomes when it comes to the $$ ($22,300 this year). Am I understanding that correctly? So will the spouse that took their SS early get penalized even after the other spouse starts collecting at his FRA? I hope I'm making sense.
No for the earnings test those are calculated for each individual. So if you are both collecting before FRA, both would go through earning tests and each can make the $23,400(2025) amount.
I could save a lot of money for that program.
You talk so fast I got lost.😞
Under the gear (setup) upper right of screen for me - you can adjust the speed of speech.
@@catpaladin1and also rewind whenever necessary to hear a point again.
Closed caption is my lifesaver.
I will wait till all this info is in print and make copies. I will have to refer to it when needed. I have a terrible memory!😅😊
This feature is a such a stress saver especially on videos where someone speaks way to slow or drones on & on......@@catpaladin1
Excellent video.. Thank you for the information. I have learned a lot from you.
Glad it was helpful! If you have any questions you can always contact us at 800-864-8890.
If someone didn't work for 10 years, is disabled, would getting a medicap plan be suitable?
If some one has a chronic disease, is 52 years old,, applies for SsI, and has worked over 10 years, is receiving public service medical not from work; what is recommended to do?
Will Obama care exist next year? Can u get extra money for eye care, orthodontist deductions working part-time only?
Give us a call so we can better understand your situation and we can guide you based on what information we have. You can call our office at 800-864-8890. We would be happy to help!
I'm 67 and 8 months (full retirement age) and still working full time and have applied and confirmed my SSI payments. I stopped my health benefit at work because I understand that Medicare part B comes out of my monthly payment automatically. Can anyone here that knows, confirm to me if I did this right with my Medicare? I already have a Govt. issued Part A card.
There are some rules that need to be met in your circumstance. Having to do with the number of employees at your workplace and when and if you do decide to get part B you will have to have your employer fill out a form saying you've had credible insurance. Be sure and call Medicare School, to have everything explained to you they are REALLY nice and willing to help you
@@8aNda1d Understood. I will make the call.
We'd be happy to answer any questions you have. You can call our office at 800-864-8890, we're here to help!
Thank you, sir, VERY good info.
Glad it was helpful!
Do you have information on the G-High Deductible plan and Long-Term Health Care Plans?
We do not offer high deductible plan G with our company. We do have a video that briefly discusses this option. th-cam.com/video/5Gz0bfbtQgc/w-d-xo.html
Couldn't find Your Medicare Monday Event tonight (11/11/24). Did it not air or did I just push the wrong button. Are those events playable later? Thanks...
Yes, you can always replay those. You can find it on our Facebook page here: fb.watch/vP8M2sIUeI/
Good information
What about Dental with medicare
Do you have a Video that includes TriCare For Life, Medicare and VA Benefits???
We absolutely do, you can check that out here: th-cam.com/video/JJYauUj8MWU/w-d-xo.html If you have any other questions you can give us a call at 800-864-8890.
And the labels say sugar and corn syrup
We should not pay $185. We are being robbed. Betty
So every month I would pay 174.20 for B plus 150.00 for G?
The 174 is for 2024. It should already be deducted from you SS.. It increases to 185 in 2025. And you will be responsible for whatever your premium is for G
@@8aNda1d haven't started yet This Dec will be 66 and 8 months so guess I start Jan 2025
@@carolynowens2788so you are retiring in December?
@@8aNda1d I will be getting SS but still working full-time. In April, I'll be 67. I want to work part-time and change over to the G plan, but the cost of B monthly and G plan monthly is a lot.
@@8aNda1d to get SS only and keep working full time
How does a one time inheritance affect the ERMA?
That is one that can not be appealed, depending on what the amount was, would likely out you in a higher bracket. If you have any questions you can call our office at 800-864-8890.
Thank you for putting a great video. Do you know Cigna supplemental plan holders move forward next year in 2025 after the deal with Service Heath Care Corporation ? What is the outcome of policy benefit holders ?
All will remain the same, the only thing that would change is just the name of plans. All coverage will remain the same.
Great video, but you made a mistake with the dates at the very end of your presentation for "Before the Year of FRA". It should be 11-1-2021 to 12-31-2025 (not 11-1-2021 to 12-31-2026).
What about those that have not had to pay for part B for Medicare?
All would remain the same, if anything were to change they would notify you that they will no longer help paying your Part B. But overall that system will remain as is.
Ohio is not allowed to charge excess payments.
So you work a person like a dog until they are 65 or if you are born in the 70's and started working at 15, you have to work even longer to be able to get your SS benefit and you have a really good chance now of dying before you ever see a single check. Yeah and the government gets to keep all you paid in, Except that two hundred and some dollars benefit for dying. (but you are dead so that doesn't matter.)That benefit is an insult and you should just keep it. So based off of this, less and less people will ever see a SS check as time goes on. Want to know what breaks my heart? Seeing someone at Walmart in so much pain form working their whole life and can't make ends meet so here they are in their 80's having to work to be able to buy food. So in my case I will have worked 52 years of my life before I can even reap the benefit full retirement because it is based on AGE the year you were born and not nec. how many years you worked, so the 70's children /probably the last of a dying breed, worked like dogs while trying to graduate to find that the American dream got pushed out a little further even though you will have worked more than the generations ahead of you and we know that at least 20% of those will never see age 67, but they might get close.. and that is what the government is counting on. If you make it, then look at the cost of just food and all that comes out of that check for Medicare, gap ins. lol you are in trouble because you are getting taxed on everything, you got a Mortgage and work your but off to have the house paid off by 67, but guess what, now the cost of homeowners insurance and property taxes keep going up and up by the time you reach 67, how do you think you are going to be able to keep the house you "think" you own? You are just going to turn around and give the government back a huge chunk of your SS to cover the "taxes" on the house that you supposedly bought and paid taxes on already and each year you are going to have to pay more and more property taxes to keep that house and the taxes and insurance will end up being more than what your mortgage was originally a month. Am I to believe that we pay into Medicare our whole lives so that when we are old and tired and weak we can get by?
We get screwed every way.
IM NEW TO THIS AND QUITE CONFUSED ON THIS... my husband will be retiring next year 2025 or 2026 and We have now Aetna, which i like alot but i am not sure if i can afford to keep Aetna as the supplement under the PPO plan. for what you just said about Part A nd B would that be cost effective for me? that they will charge me money of $185 plus what Aetna charges as the supplemental plan? or should i go to Optiumn plan as a supplemental plan that all my doctors are on, except for my primary dr. please reply to me thanks
You will want to meet with someone on our team that can guide you and better assist you. We can not give our recommendations without first fully understanding the scenario. You can give us a call at 800-864-8890.
Does Medicare (Or Social Security) monitor my IRS Tax Return Filing Status? I'm 73, was single for a decade, then married in August 18, 2023. I'm paying a high IRMMA. I filed a married joint tax return for my 2023 Taxes. Will Social Security or Medicare pickup on that and automatically adjust my IRMMA for the January 2025 Calendar year regarding IRMMA reductions from my Social Security?
They automatically review IRMAA every year dating 2 years back. So for 2025 it will asses your 2023 income and will adjust accordingly. Here is a video on how that all works! th-cam.com/video/sanJtgQxqjY/w-d-xo.html
@@MedicareSchool Thank you very much!
Why did it go up to 185?
Costs rise every year. The actual amount that the government will pay out on our behalf next year will far exceed $11 per month.
Help i don't have understand
We are here to help! Feel free to call in and speak with a Medicare guide about your situation and ask them any questions you may have!
You didn't mention that if you are in Medicare Advantage program they pay like $174 and you don't have to pay the premium of. Part B program months
That 174 you pay is the Part B premium. If you’re on advantage plans you still pay the Part B premium. In 2025 it will go to $185.
Yes they pay $ 174 is going to 185 so I pay $11 a month better than pay 174 I'm going to pay $11 a different
@@nelsonperez8619LoL... What color is the sky in your world?? 🤣 YOU pay the part B premium, no matter what.
@@bigd3104 Not if they are qualified for assistance, then the government pays the difference.
@@stevenmitchell1so the government pays for part B NOT the advantage plan, in that case?
Is the earning test for taking social security early just on the person taking SS or joint income.
Example spouse is 62 and below the earnings limit. I am 63 and still working so above the limit. I know her SS amount will be reduced since she is not at FRA but curious if she will also be penalized by my income.
Just on the person taking SS.
If a person turns 62 in February 2025 and wants to start drawing there SS when should they go and apply on the SS web site? I would think it would be now? 11/2024
You can apply as early as 4 months before you wish to start collecting.
@@MedicareSchool thanks
Thank you, Marvin
Glad that we could be of great help!
If deferred Income ends, and my income drops substantially, is that a life changing event?
Yes, that is you will want to appeal that!
Can you say it only goes up a little
This " ( You- Tube) Video!! was, Watched, on November (18th,) 2024. Worth, listening To. 😮
We are glad you found it helpful!