I have watched EVERY VIDEO. BINGED WATCHED! I just signed up with Jordan and I am so grateful for a painless and perfect experience! THANK YOU X Infinity for your great educational Media.
Thank you for a very informative video. I have plan N. Plan G was too high of a premium when I first started Medicare. I might check out the price now. I hope people who choose Medicare Advantage really think it over. In my opinion cheaping out isn't always the answer. I now have Osteoporosis and Thank Goodness I have good old fashioned Medicare with a Supplement.
I have plan n. Premium only went up 2 dollars a month for 2023. I was in the hospital for 4 days this year and so far I haven't been billed anything. Had an ambulance ride, all kinds of tests. Cant beat that.
When does the plan n copay start, only once the annual deductible has been met, or always, even before the annual deductible has been met. Even my UHC Plan N can;t give me a straight answer.
I’ve had a Plan G supplement since I first got on Medicare Parts A&B. I’ve had several health issues, including two surgeries and cataract surgery. Aside from my monthly Part G supp premium, I’ve only had to pay the Part B deductible out-of-pocket. That’s it. I live in a metropolitan area, so my premium is lower; that’s why they always ask you for your zip code when searching for a supplemental plan.
I’ve had plan G for the for the first 5 years on Medicare, l could have saved a lot with N because l only see a Dr. 1-2 a year. Apparently one has to make around 20 co-pays a year before one starts coming out ahead with plan G. It seems plan G only makes economic sense if the person has a protracted illness that last for many years and one needs a lot of medical attention.
I just went through a similar analysis and decided on a Plan G. Since my cancer diagnosis 2 years ago I have accumulated about 14 various doctors who all want to "evaluate" me on a regular basis. That translates to 2-4 office visit co-pays per month, every month or $40-80 extra per month. Given that, I couldn't find a Plan N that would be cheaper than a Plan G. Even if more doctors charge an excess fee in the future (as some have predicted), it would be an even better value.
Thank you for this calm, comprehensive explanation. You are easy to listen to and understand. There's not one OMG moment in the whole video. Made me feel I made a very good decision to have chosen plan n.
I keep watching many videos from Brokers regarding Medicare plans and I keep coming back to your videos. I will be eligible for Medicare end of 2023 and I really am convinced that your company will best represent me!!!
Thank you, Matthew. Your explanations illuminate key points in a very clear way. That clarification is so necessary for this vital topic, and so helpful.
FWIW, In MA there is no equivalent of Plan N, so even with excess charges banned, that's not an option! Also, I heard elsewhere that places like Mayo Clinic, Anderson Cancer and similar will charge excess charges, so if you need to go there (out of state), your home state rules don't apply.
@@MedigapSeminarsexcess charges are rare. N has better rate increases, 0 to 3 percent increases vs 10 to 20 with G and you don't have to deal with EOBs like with HDG and you don't have to deal with networks like with disadvantage plans.
Matthew, thank you for the update. My wife and I both became your clients last year and selected Plan N. We are very satisfied. Your explanations are very thorough. Thanks again.👍
I'm 64 and already on social security. I have some money saved. My birthday is January 28th and I live in North Carolina. After watching your super informative videos, I think a supplemental plan N would be a good fit. Shall I contact you by phone or is web site better. Thanks Michael
I have plan N and get charged copays for telehealth sessions. I also have copays for the Dr reading the electronically transmitted pacemaker readings every 4 months.
I am a veteran so I have VA coverage, including meds. Can I decline Part B and supplements? If not, I am leaning toward Plan N, since I go to the doctor about once or twice per year. But I worry about getting something really bad, having to out of state for treatments, or having to see the doctor several times per month because of an illness.
So just to clarify there is a copay in addition to pcp now with urgent care and tele health visits with plan N But physical therapy or chemo visits do not have the co pay. Thank you.
I started on Advantage 5 months ago. $3000 in copays and deductibles later, I have now switched to G. You are permitted one switch in the first 6 months with no physical. And the first agent lied to me about pat G and N premiums.
I recently learned that my 91-year-old father has Plan N and according to my sister who manages his care (medical POA), he has never encountered excess charges. What plan will I sign up for? Plan N!
exactly!! Most people will never encounter a doctor that can charge an excess charge, and fewer are each year. Once people understand why Excess Charges are DEAD! th-cam.com/video/eh_RFjGpVo4/w-d-xo.htmlsi=rZ_Q1Cj-IKmH2Bt_ They will understand why the trend has been to fewer and fewer doctors charging excess charges every year for almost 15-years.
@@MedigapSeminars I watched it before seeing this video. I have also heard that any doctor or clinician that is a non-participating provider has to post signs in their waiting room that they charge Excess Charges.
Hello Mathew, you are the Man. I have CHAMPVA and Original medicare. Do I need a MEDIGAP Supplement Plan? As you know, I do have Dental, Hearing, vision and The VA ‘s version of Plan D. I am disabled, and very low in Riverside, Ca.income and in VASH Housing program for 11 years . I found a Ortho Dr yet the VA insists on me seeing their Dr by saying my hopeful is not contracted with VA.
I am not finding corroboration on the Plan N copay charges for urgent care and telehealth (Aug 2023). Can you point out the code section or whatnot that authorizes docs to do this? Thx
I hope I made the right decision. I went with another company also then I saw your video. I live in MT and the company said plan N would be best for me. They suggested Mutual of Omaha. I do have a pre existing condition but have no experts in Mt. I also do not see the doctor a lot. Maybe at most 5 times a year, but since I am getting older that could change. Should I keep N is change to G?
One of the mantra’s I say over and over is that you get Today the insurance plan you will want to have when you are older, sick or injured. I also say that you know you are in the right plan for you when you just stop thinking about Medicare and move on with your life. If you are concerned, it’s your subconscious telling you you may not be in the right plan. Call us 800-847-9680. Let’s look at all your options.
probably. Especially if it is your doctor from outside the hospital. If the Dr's are residents and employees of the hospital, their visit could be included in Part A.
I've been on Medicare for just over a year. During my research last year, I came to the conclusion that because of underwriting requirements to switch plans, it was likely that the Medigap plan I chose at 65 was to be a lifetime choice. I am relatively healthy now, so could probably switch to G, but in a few years, who knows. Given that, it does not seem right that the plans can be changed by the government. It's some sort of bait and switch. This change is relatively small, but what's to stop more extensive changes in the future?
I agree. It a slippery slope that a government bureaucracy can change a rule by reinterpreting to fit their desire for change. It's done lately with other laws outside of healthcare. Thar is why the recent SCOTUS ruling in WVA vs EPA is so important. www.supremecourt.gov/opinions/21pdf/20-1530_n758.pdf It limits the authority of the bureaucracy. It will keep this type of action in check.
@@WhiteRosez007 nope, the annual $226 deductible was met with my first doctor visit on apr 1 of this year. The doctor charged me $220 for the visit so I paid the whole amount directly to him...
Hi Matthew, can you advise me with regard to Medicare plans and supplement plans if I live in Puerto Rico? I visit my son in Hawaii for 2-3 months a year and would also want you to advise me which supplement plan is more convenient to use in that state. Thank you. Maria.
I’ve heard someone say that projected future costs 10 years in the future between G and N is predicted to be as much as $400 a month in many areas. What is your thoughts about that
LOL No Someone is pulling stats out of their imagination or arse. The largest difference in the country is about $50 / month. The lowest is about $10 / month. That relationship is not likely to change. There are a lot of reasons for this. People that are pushing the expectation that Plan G prices will go through the roof compared to Plan N have no background in economics or analytics .....just hype.
I sell Medicare, and I am putting my father in plan N. Which is more affordable, the G is great but in south Florida, it’s $100 bucks more a month unfortunately
I'm worried about Medicare denying to pay for a treatment my doctor recommends, not so much the insurance company. Good info but the possibility of Medicare not approving should be spoken.
Medicare does not have a department or personnel that look at doctor recommendations. There are no "preauthorization's". required. I mention in this and many other videos that Medicare leans on your doctor to determine medical necessity. Medicare will cover everything that is medically necessary. Your worries are misplaced. With Original Medicare and a supplement, your healthcare decisions are between you and your doctor. NOT you, your doctor and Medicare. Not you, your doctor and an insurance company.
Plan n is a great value. Finding a physician won't be as difficult as you might think. Simply use this tool from Medicare: www.medicare.gov/care-compare/?providerType=Physician
Thanks for the update about changes for 2023. My wife and I are big fans of traditional Medicare and are currently enrolled in the Plan N supplement. I want to a comment on the insurance company not second guessing your doctor's decisions. While it is true Medicare is not as restrictive or intrusive as traditional for profit insurance it does have the notion of medically necessary services. For example I'm in the middle of cataract surgery. While Medicare and our supplement will pay the entire cost of normal cataract surgery I have pretty severe astigmatism and opted to get lens implants that also correct astigmatism. Unfortunately Medicare does not consider that medically necessary, as the condition can be corrected with glasses. So I'm on the hook for the extra cost. I assume any practice dealing with Medicare patients will explain what Medicare covers and does not but it is something to be aware of. As an aside this is the first year I've used your Part D selection tool to pick a prescription plan. Thanks for your video about how to choose the best prescription plan. I thought I know how it works but learned a lot from that video and was able to choose a lower cost plan for myself and wife.
Medical necessity is the underlying "rule". Even with cataracts, your vision has to deteriorate to a specific level before it is considered medically necessary. Please remember, you can always appeal Medicare's decision. All the best.
@@sct4040 I'm on traditional Medicare and have the N supplement so that paid all of the "regular" fees. The Toric lens were $1500 per eye. Plus I opted to go with premixed eye drops so was another $56 per eye. I think if I went with the 3-RX cocktail it would have covered by Part D. Having worn glasses since 8th grade it is amazing to no longer needing glasses for distance vision. I still opted for bifocals but when I'm working outside I use a cheap pair of non-prescription safety glasses or safety sun glasses.
I got cataracts out about a year ago, and they demanded up front payment. Did I hear you say I should be reimbursed by my plan B provider? And is there a time limit on that? Thanks for your videos.
I’m 75 with Humana F plan paying around 340 a month going up 50 in 24. Wondering if I would go to Plan N would that help me on my monthly premium. I’m a widow any help would be appreciated Thank you
We can help you figure out if you would qualify medically for underwriting, or if your state is one of the few with an annual open enrollment. medigapseminars.org/contact-us/
I have commercial insurance thru my husbands employer? I applied for my Part B , effective 4/1/24. My husband is removing me from his work Oct 22. But it Douglas into effect until Dec 31.2024, I want to get The N plan but since I still have UHC o Am I eligible when can I apply. So underwriting
You need to contact us ASAP. You made a mistake in enrolling in Part B while still getting your husbands employer coverage. 800-847-9680 or medigapseminars.org/contact-us/
Very good description....I never understood this before. How can you evaluate every year for a company if I have to go through underwriting to change? Thanks.
With the exception of a few states, there is no Medicare supplement open enrollment. The annual enrollment (October 15 through Dec 07) is for Medicare Advantage Plans and Part D. It has nothing to do with Medicare supplement plans. This is because Medicare Advantage and Part D benefits change every year. So you need a window to evaluate next year's benefits and possibly make a change. Medicare supplement benefits never change. You can switch Medicare supplement plans any day of the year, as often as you like. However, after your first six months on Part B, you must qualify medically to make a change. There are a few states with exceptions. My opinion is that you should get today the plan you will want when you are sick or injured. If you would our guidance, at no cost, please use this form so we can email you information on our recommendations in your area. medigapseminars.org/request-a-quote/
I was about to enroll in Humana PPO just found out this could be a seriously bad decision.Im on SSDI Medicare Atena PPO since the beginning of being found disabled.
Can a person change from a one supplemental G Plan insurance company to another G Plan once a year if their current insurer raises premiums? I was told by an independent broker that they are allowed to make this change without underwriting, as long as the person stays within the same plan.
There are a few states where that is allowed during a brief window via a birthday rule or anniversary rule and there are four states that allow this at any time. Outside of those few states, you must qualify medically to make any change.
Thank you. In New York can you switch from one Medicare Plan to another at any time based on dissatisfaction with the plan or changes in your health needs? I think I want to start with my union plan initially. Thanks again.
If you have a Medicare Advantage plan, you are limited to the rules of that plan for when you can make a change. If you have Original Medicare you can get and change supplements at any time.
Can you discuss Plan F? please. I qualify, and might like to get it... I am currently enrolled in Plan J and want to switch, if possible to save money. Thank you. Lynn
I live in New York State which does not allow excess charges. If I choose Plan N, am I guaranteed that I will not be charged excess fees for the life of my plan?
MOOP " money out of pocket" where I come from is everything I pay for Medicare and it includes premium. In the last 13 years that amounted to $41,000 for my wife and I. That's a lot of $$$$
Call Florida Claims- they will explain most procedures. Medicare pays for “ basic necessities “ not the best type of cataract surgery. U can go to best Mayo Clinic; but some best eye surgeons private building practices do not accept Medicare- all OOP.
Your Premiums for Plan G depend entirely on the insurance company you chose. The prices for everything are increasing. We offer a free service to help you shops and compare medigapseminars.org/request-a-quote/
Price increases are dependent on the insurance company. The choice of insurance company is more directly related to your life-time cost than the plan you choose. That is what we do, help you with the right insurance company. medigapseminars.org/contact-us/
I’m 64 and just received my Medicare card. My start date is March 2023. Open enrollment season ends Dec 14 which I have to chose what medical plan to enroll in. I’m currently with CareFirst. I want to enroll in the N plan and get a prescription drug plan but can’t afford to pay Medicare and CareFirst. I don’t want to be without medical coverage for two moths either. What do I do?
First, you have plenty of time to research and make a decision. This Open Enrollment is not for you. You have an Initial Enrollment that starts in January and goes through June. Use this to reach out to us and we will help: medigapseminars.org/contact-us/
I am not a fan of UHC because in most states they have high price increases. Sometimes twice per year. If you want a second opinion please call us at 800-847-9680. You can change plans any day of the year.
Thank you for this informative video. I’m going to get Supplement plan N this year. DOB Dec. Can I change to an advantage plan next year during enrollment time if I change my mind?
Yes you can! You can always go to an Advantage Plan, but you can only go to a supplement with medical underwriting after your first six months on Medicare
Hi Mathew, My wife and I started Medicare this past June and chose Supplemental Plan G. I used another company on You Tube but am having difficulties with them based on their location in Washington State. I live in Ohio and am having a heck of a time with IRRMA as well. Not sure if you can help or point me in the right direction but not only have I had an increase based on 2020 gross income but will have the same problem next year-which will be worst. I submitted an IRMMA request based on Work Stoppage and was denied. Could really use some advise and comparisons between the plans. Thanks John
Hi John, I would need more details before suggesting I can help with IRMAA. But I am sure we can help with the supplement. Ohio is one of the states that forbids excess charges. A plan G is not a great value relative to the plan N. Call us at 800-847-9680or use this form and we will contact you: medigapseminars.org/request-a-quote/
I thought the reason for charging $0 co pay for an immediate care facility visit was probably to provide an incentive to not go to an ER. It will be interesting to see if this change means more ER visits. The law of unintended consequences.
I live in Idaho, where there is the special birthday rule allowing switching between supplement plans. In Idaho, doesn't it make sense to choose the cheapest plan each year? If a company raises rates too much, couldn't I just switch to another company (without going through underwriting due to the special rule)?
But doesn't this Plan N copay change contradict what you said before - "No one can change your benefits or cancel your plan. Even if Congress were to change the benefits of the plan type you have, they can’t change your plan. They can only change plans for people in the future. The only feature that will change from year to year is the price." If this change is allowed, what's to prevent them from making other changes like increasing the $20/$50 copays or 15% excess charges? Do you think this plan change could be legally challenged?
Well ya. The question we all face is “what authority does the administrative state have to change rules?” There is a large group of people in this country that believes they do not have to “change” a law in order to change the law. They simply reinterpret the existing law. It is what it is and not a battle I want to fight. Thankfully the SCOTUS ruling in the EPA vs WVA will keep them in check.
Hi Mr Matthew, we got plan N from Cigna for ~84/mo in Michigan. We got a 5% apply-online discount since we applied directly online instead of going through an agent. What do you think about it?
I live in Michigan and I went with plan N with a agent from Cigna and they're charging me $108 a month. I had no idea I can get it cheaper myself. I guess I'm going to have to call my agent. Thanks
@NK, why would anyone go directly and not use an agent that has helped and educated them in the Medicare process is beyond understanding. You pay the same price regardless so why not let the agent participate and make a living? 😅
See My recent Video on why Medicare Excess Charges Are dead! th-cam.com/video/eh_RFjGpVo4/w-d-xo.htmlsi=rZ_Q1Cj-IKmH2Bt_ This one was fun to make.
I have watched EVERY VIDEO. BINGED WATCHED! I just signed up with Jordan and I am so grateful for a painless and perfect experience! THANK YOU X Infinity for your great educational Media.
I recently enrolled in Medicare and I've been VERY satisfied with all of my interactions with Matthew's agency. Do business here with confidence!
Thank you
ABSOLUTELY AGREE!
I discovered him just tonight and got my eyes opened. I’m going to call him tomorrow or Monday. 😊
Thank you for a very informative video. I have plan N. Plan G was too high of a premium when I first started Medicare. I might check out the price now. I hope people who choose Medicare Advantage really think it over. In my opinion cheaping out isn't always the answer. I now have Osteoporosis and Thank Goodness I have good old fashioned Medicare with a Supplement.
Everyone seems to get osteoporosis.
@@sct4040 Typical doctor cop out is - " That's normal for people at your age"
I have plan n. Premium only went up 2 dollars a month for 2023. I was in the hospital for 4 days this year and so far I haven't been billed anything. Had an ambulance ride, all kinds of tests. Cant beat that.
Good 👍🏾
Hope you right…,
Plan N has 100% Part A coverage! I hope you have recovered well.
Great explanation on plan n and excess charges by doctors now I understand excess. Yes plan n would me my pick.
When does the plan n copay start, only once the annual deductible has been met, or always, even before the annual deductible has been met. Even my UHC Plan N can;t give me a straight answer.
I’ve had a Plan G supplement since I first got on Medicare Parts A&B. I’ve had several health issues, including two surgeries and cataract surgery. Aside from my monthly Part G supp premium, I’ve only had to pay the Part B deductible out-of-pocket. That’s it. I live in a metropolitan area, so my premium is lower; that’s why they always ask you for your zip code when searching for a supplemental plan.
I’ve had plan G for the for the first 5 years on Medicare, l could have saved a lot with N because l only see a Dr. 1-2 a year. Apparently one has to make around 20 co-pays a year before one starts coming out ahead with plan G. It seems plan G only makes economic sense if the person has a protracted illness that last for many years and one needs a lot of medical attention.
I just went through a similar analysis and decided on a Plan G. Since my cancer diagnosis 2 years ago I have accumulated about 14 various doctors who all want to "evaluate" me on a regular basis. That translates to 2-4 office visit co-pays per month, every month or $40-80 extra per month. Given that, I couldn't find a Plan N that would be cheaper than a Plan G. Even if more doctors charge an excess fee in the future (as some have predicted), it would be an even better value.
Great video! I am researching for my parents and you’ve explained things very well. I like that you also cover the “excess charges.”
Have you seen my latest on Excess charges? th-cam.com/video/eh_RFjGpVo4/w-d-xo.htmlsi=rZ_Q1Cj-IKmH2Bt_
Thank you for this calm, comprehensive explanation. You are easy to listen to and understand. There's not one OMG moment in the whole video. Made me feel I made a very good decision to have chosen plan n.
You are welcome Norma
Liam Neesan has nothing on you....❤ Thank you for your intelligence and kindness.
I keep watching many videos from Brokers regarding Medicare plans and I keep coming back to your videos. I will be eligible for Medicare end of 2023 and I really am convinced that your company will best represent me!!!
We look forward to hearing from you!
Thank you, Matthew. Your explanations illuminate key points in a very clear way. That clarification is so necessary for this vital topic, and so helpful.
You're very welcome
You are so good at explaining everything. Ty
FWIW, In MA there is no equivalent of Plan N, so even with excess charges banned, that's not an option! Also, I heard elsewhere that places like Mayo Clinic, Anderson Cancer and similar will charge excess charges, so if you need to go there (out of state), your home state rules don't apply.
We tend to recommend G to eliminate most variability, but N is also an amazing option!
what variability? th-cam.com/video/eh_RFjGpVo4/w-d-xo.htmlsi=rZ_Q1Cj-IKmH2Bt_
@@MedigapSeminarsexcess charges are rare. N has better rate increases, 0 to 3 percent increases vs 10 to 20 with G and you don't have to deal with EOBs like with HDG and you don't have to deal with networks like with disadvantage plans.
Matthew, thank you for the update. My wife and I both became your clients last year and selected Plan N. We are very satisfied. Your explanations are very thorough. Thanks again.👍
Great to hear! You are welcome
Excellent video, I learned so much. Thank you.
I extremely like the video, man. Very helpful and informative. Thank you very much. It is presented so well too. Great, positive work.
I'm 64 and already on social security. I have some money saved. My birthday is January 28th and I live in North Carolina. After watching your super informative videos, I think a supplemental plan N would be a good fit. Shall I contact you by phone or is web site better. Thanks Michael
Hi - the most efficient way is to use this contact form: medigapseminars.org/contact-us/ But you can also call us at 800-847-9680
Good information given in a concise manner, I can relax knowing you are keeping us updated.
:-)
Great information and very easy to understand. Thank you!
Glad it was helpful!
This has been so helpful, I will definitely use your service when I need to pick a company. Thank you so much for this. I greatly appreciate it.
I appreciate your special set of skills. You're very knowledgeable and helpful
Thank you Janet
Great video, by far the best explanation I've seen.
Thank you Gary
I have plan N and get charged copays for telehealth sessions. I also have copays for the Dr reading the electronically transmitted pacemaker readings every 4 months.
Yep. Reading a pacemaker is an "evaluation" treatment. Still, It's a good plan and a great value.
Excellent. Thank you. ✔️ 😊
I am a veteran so I have VA coverage, including meds. Can I decline Part B and supplements? If not, I am leaning toward Plan N, since I go to the doctor about once or twice per year. But I worry about getting something really bad, having to out of state for treatments, or having to see the doctor several times per month because of an illness.
Thank you I love your video and explanation,Have learned alot and sent it to my friends and family.I have plan N
Your videos are great!
So just to clarify there is a copay in addition to pcp now with urgent care and tele health visits with plan N But physical therapy or chemo visits do not have the co pay. Thank you.
yes
I started on Advantage 5 months ago. $3000 in copays and deductibles later, I have now switched to G. You are permitted one switch in the first 6 months with no physical. And the first agent lied to me about pat G and N premiums.
I recently learned that my 91-year-old father has Plan N and according to my sister who manages his care (medical POA), he has never encountered excess charges. What plan will I sign up for? Plan N!
exactly!! Most people will never encounter a doctor that can charge an excess charge, and fewer are each year. Once people understand why Excess Charges are DEAD! th-cam.com/video/eh_RFjGpVo4/w-d-xo.htmlsi=rZ_Q1Cj-IKmH2Bt_ They will understand why the trend has been to fewer and fewer doctors charging excess charges every year for almost 15-years.
@@MedigapSeminars I watched it before seeing this video. I have also heard that any doctor or clinician that is a non-participating provider has to post signs in their waiting room that they charge Excess Charges.
Hello Mathew, you are the Man. I have CHAMPVA and Original medicare. Do I need a MEDIGAP Supplement Plan? As you know, I do have Dental, Hearing, vision and The VA ‘s version of Plan D. I am disabled, and very low in Riverside, Ca.income and in VASH Housing program for 11 years . I found a Ortho Dr yet the VA insists on me seeing their Dr by saying my hopeful is not contracted with VA.
Thank you Matthew for clear and honest information.
Glad it was helpful!
I am not finding corroboration on the Plan N copay charges for urgent care and telehealth (Aug 2023). Can you point out the code section or whatnot that authorizes docs to do this? Thx
I hope I made the right decision. I went with another company also then I saw your video. I live in MT and the company said plan N would be best for me. They suggested Mutual of Omaha. I do have a pre existing condition but have no experts in Mt. I also do not see the doctor a lot. Maybe at most 5 times a year, but since I am getting older that could change. Should I keep N is change to G?
One of the mantra’s I say over and over is that you get Today the insurance plan you will want to have when you are older, sick or injured. I also say that you know you are in the right plan for you when you just stop thinking about Medicare and move on with your life. If you are concerned, it’s your subconscious telling you you may not be in the right plan. Call us 800-847-9680. Let’s look at all your options.
Excellent update. All good things to know.
Love your video's!
What if you go into hospital for surgery and during your stay you get visited by 2 drs daily, do you still pay $20 per visit?
probably. Especially if it is your doctor from outside the hospital. If the Dr's are residents and employees of the hospital, their visit could be included in Part A.
@@MedigapSeminars Thanks for your quick reply
Are there copays for labwork/blood tests if done at a different time from a visit to the doctor?
Always enjoy you content. Thanks for the info
Thank you Lois
When your talking about price increases of different insurance companies at the end of this video, are you talking about yearly premiums?
I've been on Medicare for just over a year. During my research last year, I came to the conclusion that because of underwriting requirements to switch plans, it was likely that the Medigap plan I chose at 65 was to be a lifetime choice. I am relatively healthy now, so could probably switch to G, but in a few years, who knows. Given that, it does not seem right that the plans can be changed by the government. It's some sort of bait and switch. This change is relatively small, but what's to stop more extensive changes in the future?
I agree. It a slippery slope that a government bureaucracy can change a rule by reinterpreting to fit their desire for change. It's done lately with other laws outside of healthcare. Thar is why the recent SCOTUS ruling in WVA vs EPA is so important. www.supremecourt.gov/opinions/21pdf/20-1530_n758.pdf It limits the authority of the bureaucracy. It will keep this type of action in check.
I have hight blooded pressure & diabetic condition , can I apply for plan G or N?
Such a thorough and informative video. Great 👍
Thanks so much!
Thank you Matthew for a thorough presentation on original Med Care - MC Advantage. My
Questionis
Do you have any videos on what low income seniors best options are? Thanks
I started plan N at age 65 in April. Only my eye doc has charged me a $20 copay. My primary and all my specialists are not charging me the copay!
@@WhiteRosez007 nope, the annual $226 deductible was met with my first doctor visit on apr 1 of this year. The doctor charged me $220 for the visit so I paid the whole amount directly to him...
I have run into a doctor who charges an extra charge. I am currently looking for another doctor who do not charge an extra charge.
Great information, thanks!
Why can't medicare offer all coverage in one plan, like dental and vision? They pay the insurance co. big bucks.
Hi Matthew, can you advise me with regard to Medicare plans and supplement plans if I live in Puerto Rico? I visit my son in Hawaii for 2-3 months a year and would also want you to advise me which supplement plan is more convenient to use in that state. Thank you. Maria.
I’ve heard someone say that projected future costs 10 years in the future between G and N is predicted to be as much as $400 a month in many areas. What is your thoughts about that
LOL No Someone is pulling stats out of their imagination or arse. The largest difference in the country is about $50 / month. The lowest is about $10 / month. That relationship is not likely to change. There are a lot of reasons for this. People that are pushing the expectation that Plan G prices will go through the roof compared to Plan N have no background in economics or analytics .....just hype.
We have plan N plus my wife has CHAMPVA to cover what Medicare doesn't, so we don't have much out-of-pocket expense.
Excellent video
Thank you very much!
I'm trying to decide between HDG and N. Which is better if you don't go to the doctor more than 6 or 8 times a year?
I sell Medicare, and I am putting my father in plan N. Which is more affordable, the G is great but in south Florida, it’s $100 bucks more a month unfortunately
I am in South Florida and will T65 in a couple years. My choice is a Plan N too!
I am in Illinois and have plan N premium is 119 at 67 yrs old
I'm worried about Medicare denying to pay for a treatment my doctor recommends, not so much the insurance company. Good info but the possibility of Medicare not approving should be spoken.
Medicare does not have a department or personnel that look at doctor recommendations. There are no "preauthorization's". required. I mention in this and many other videos that Medicare leans on your doctor to determine medical necessity. Medicare will cover everything that is medically necessary. Your worries are misplaced. With Original Medicare and a supplement, your healthcare decisions are between you and your doctor. NOT you, your doctor and Medicare. Not you, your doctor and an insurance company.
Rather than Plan G, I'm thinking Plan N.
Been with Kaiser's integrated system for over forty years so finding new doctors will be a challenge.
Plan n is a great value. Finding a physician won't be as difficult as you might think. Simply use this tool from Medicare: www.medicare.gov/care-compare/?providerType=Physician
@@MedigapSeminars Thank you
Thanks for the update about changes for 2023. My wife and I are big fans of traditional Medicare and are currently enrolled in the Plan N supplement.
I want to a comment on the insurance company not second guessing your doctor's decisions. While it is true Medicare is not as restrictive or intrusive as traditional for profit insurance it does have the notion of medically necessary services. For example I'm in the middle of cataract surgery. While Medicare and our supplement will pay the entire cost of normal cataract surgery I have pretty severe astigmatism and opted to get lens implants that also correct astigmatism. Unfortunately Medicare does not consider that medically necessary, as the condition can be corrected with glasses. So I'm on the hook for the extra cost. I assume any practice dealing with Medicare patients will explain what Medicare covers and does not but it is something to be aware of.
As an aside this is the first year I've used your Part D selection tool to pick a prescription plan. Thanks for your video about how to choose the best prescription plan. I thought I know how it works but learned a lot from that video and was able to choose a lower cost plan for myself and wife.
Medical necessity is the underlying "rule". Even with cataracts, your vision has to deteriorate to a specific level before it is considered medically necessary. Please remember, you can always appeal Medicare's decision. All the best.
What is the link to the video on how to choose the right prescription drug plan, if I may ask, please? Thank you.
Would you share how much it cost for the astigmatic lens?
@@sct4040 I'm on traditional Medicare and have the N supplement so that paid all of the "regular" fees. The Toric lens were $1500 per eye. Plus I opted to go with premixed eye drops so was another $56 per eye. I think if I went with the 3-RX cocktail it would have covered by Part D.
Having worn glasses since 8th grade it is amazing to no longer needing glasses for distance vision. I still opted for bifocals but when I'm working outside I use a cheap pair of non-prescription safety glasses or safety sun glasses.
I got cataracts out about a year ago, and they demanded up front payment. Did I hear you say I should be reimbursed by my plan B provider? And is there a time limit on that? Thanks for your videos.
You should talk to your insurance company.
I’m 75 with Humana F plan paying around 340 a month going up 50 in 24. Wondering if I would go to Plan N would that help me on my monthly premium. I’m a widow any help would be appreciated Thank you
We can help you figure out if you would qualify medically for underwriting, or if your state is one of the few with an annual open enrollment. medigapseminars.org/contact-us/
I have commercial insurance thru my husbands employer? I applied for my Part B , effective 4/1/24. My husband is removing me from his work Oct 22. But it Douglas into effect until Dec 31.2024, I want to get The N plan but since I still have UHC o
Am I eligible when can I apply. So underwriting
You need to contact us ASAP. You made a mistake in enrolling in Part B while still getting your husbands employer coverage. 800-847-9680 or medigapseminars.org/contact-us/
Very good description....I never understood this before. How can you evaluate every year for a company if I have to go through underwriting to change? Thanks.
A supplement is a long term decision. Not an annual decision.
If I start off with plan N, can I switch to plan G during an open enrollment.
With the exception of a few states, there is no Medicare supplement open enrollment. The annual enrollment (October 15 through Dec 07) is for Medicare Advantage Plans and Part D. It has nothing to do with Medicare supplement plans. This is because Medicare Advantage and Part D benefits change every year. So you need a window to evaluate next year's benefits and possibly make a change. Medicare supplement benefits never change. You can switch Medicare supplement plans any day of the year, as often as you like. However, after your first six months on Part B, you must qualify medically to make a change. There are a few states with exceptions. My opinion is that you should get today the plan you will want when you are sick or injured. If you would our guidance, at no cost, please use this form so we can email you information on our recommendations in your area. medigapseminars.org/request-a-quote/
"Preventive care", would that include annual physicals?
I was about to enroll in Humana PPO just found out this could be a seriously bad decision.Im on SSDI
Medicare Atena PPO since the beginning of being found disabled.
I am in the IEP and considering a Plan N. Are MRI, CT , radiation treatment (50 visits) subject to $20 copay?
No, office visits only are up to $20 copays.
Can a person change from a one supplemental G Plan insurance company to another G Plan once a year if their current insurer raises premiums? I was told by an independent broker that they are allowed to make this change without underwriting, as long as the person stays within the same plan.
There are a few states where that is allowed during a brief window via a birthday rule or anniversary rule and there are four states that allow this at any time. Outside of those few states, you must qualify medically to make any change.
Is Michigan one of the 4 states?
Thank you for this. Would changing plans with the same insurance company require underwriting?
No copays for urgent care on plan N?
Thank you. In New York can you switch from one Medicare Plan to another at any time based on dissatisfaction with the plan or changes in your health needs?
I think I want to start with my union plan initially.
Thanks again.
If you have a Medicare Advantage plan, you are limited to the rules of that plan for when you can make a change. If you have Original Medicare you can get and change supplements at any time.
Never use an AdvantageCare plan. My opinion. 😮
Well I'm leaning towards PLAN N in 68506. 65 male non smoker. What company is right for me?
Can you discuss Plan F? please. I qualify, and might like to get it... I am currently enrolled in Plan J and want to switch, if possible to save money. Thank you. Lynn
Listening to various insurance agents, they are no longer offering plan F. Plan G is the replacement to that plan.
What happens when you move to another state? Do you end up having to switch companies? Do you need underwriting?
No, your chosen plan follows you wherever you go.
I live in New York State which does not allow excess charges. If I choose Plan N, am I guaranteed that I will not be charged excess fees for the life of my plan?
🤷🏻♀️ never say never, save that money for a rainy day.
MOOP " money out of pocket" where I come from is everything I pay for Medicare and it includes premium. In the last 13 years that amounted to $41,000 for my wife and I. That's a lot of $$$$
I have medical care and medi care I'm in NV Should I have another plan , I'm 69 and relatively good health
Excellent info, thank you!
Our pleasure!
Is the $50 emergency room charge still waived if you are admitted to the hospital? I don't see that you mention it is waived in this video.
You have to be careful about being “admitted “ they claim “observation” so you still must pay the $50 copay when they do that.
What medigap covers cataract surgery?
Thank you
Medicare covers that. I had it done.
Call Florida Claims- they will explain most procedures. Medicare pays for “ basic necessities “ not the best type of cataract surgery. U can go to best Mayo Clinic; but some best eye surgeons private building practices do not accept Medicare- all OOP.
Why don’t you talk about plan G High deductible? Do you not make money on that plan?
What about the premiums going crazy for plan G??!!
Your Premiums for Plan G depend entirely on the insurance company you chose. The prices for everything are increasing. We offer a free service to help you shops and compare medigapseminars.org/request-a-quote/
can an ex-pat cancel original medicare and supplement while outside of the US, and join with no pron
blem when he comes back to the US?
You should call Medicare with that question
So living in Florida they can charge? I seriously have to call you
Not sure of your question, but please reach out. 800-847-9680
If is a big word....comparing % increase of both to one another
Price increases are dependent on the insurance company. The choice of insurance company is more directly related to your life-time cost than the plan you choose. That is what we do, help you with the right insurance company. medigapseminars.org/contact-us/
I’m 64 and just received my Medicare card. My start date is March 2023. Open enrollment season ends Dec 14 which I have to chose what medical plan to enroll in. I’m currently with CareFirst. I want to enroll in the N plan and get a prescription drug plan but can’t afford to pay Medicare and CareFirst. I don’t want to be without medical coverage for two moths either. What do I do?
First, you have plenty of time to research and make a decision. This Open Enrollment is not for you. You have an Initial Enrollment that starts in January and goes through June. Use this to reach out to us and we will help: medigapseminars.org/contact-us/
I got my plan N through boomer benefits. IT’s United healthcare. Is this company a reputable one.
I am not a fan of UHC because in most states they have high price increases. Sometimes twice per year. If you want a second opinion please call us at 800-847-9680. You can change plans any day of the year.
Thank you for this informative video. I’m going to get Supplement plan N this year. DOB Dec.
Can I change to an advantage plan next year during enrollment time if I change my mind?
Yes you can! You can always go to an Advantage Plan, but you can only go to a supplement with medical underwriting after your first six months on Medicare
When will they get to plan X, plan Y, plan Z, plan Xa, plan Xb, Xc, XYZ ad nauseam? And THEN what: plan ZX, ZB, plan ABCEDEYSE# ad nauseam!
Hi Mathew,
My wife and I started Medicare this past June and chose Supplemental Plan G. I used another company on You Tube but am having difficulties with them based on their location in Washington State. I live in Ohio and am having a heck of a time with IRRMA as well. Not sure if you can help or point me in the right direction but not only have I had an increase based on 2020 gross income but will have the same problem next year-which will be worst. I submitted an IRMMA request based on Work Stoppage and was denied. Could really use some advise and comparisons between the plans. Thanks John
Hi John, I would need more details before suggesting I can help with IRMAA. But I am sure we can help with the supplement. Ohio is one of the states that forbids excess charges. A plan G is not a great value relative to the plan N. Call us at 800-847-9680or use this form and we will contact you: medigapseminars.org/request-a-quote/
To qualify for G or N, can I have a pre existing condition?
That’s too general a question to answer here. Call us and we can provide an answer specific to your situation. 800-847-9680
The Advantage plans include dental and eyes... How are these covered if u do not go with Advantage, please?
VERY limited coverage for the frills
I thought the reason for charging $0 co pay for an immediate care facility visit was probably to provide an incentive to not go to an ER. It will be interesting to see if this change means more ER visits. The law of unintended consequences.
The ER Copay is $50 :-(
you don’t qualify how much lower are the premiums on average
They are different in every state of the country as well as within a state. Sometimes a Plan N is $60+ a month less than G. Sometimes $10.
I live in Idaho, where there is the special birthday rule allowing switching between supplement plans.
In Idaho, doesn't it make sense to choose the cheapest plan each year? If a company raises rates too much, couldn't I just switch to another company (without going through underwriting due to the special rule)?
But doesn't this Plan N copay change contradict what you said before -
"No one can change your benefits or cancel your plan. Even if Congress were to change the benefits of the plan type you have, they can’t change your plan. They can only change plans for people in the future. The only feature that will change from year to year is the price."
If this change is allowed, what's to prevent them from making other changes like increasing the $20/$50 copays or 15% excess charges? Do you think this plan change could be legally challenged?
Well ya. The question we all face is “what authority does the administrative state have to change rules?” There is a large group of people in this country that believes they do not have to “change” a law in order to change the law. They simply reinterpret the existing law. It is what it is and not a battle I want to fight. Thankfully the SCOTUS ruling in the EPA vs WVA will keep them in check.
😊👍
Hi Mr Matthew, we got plan N from Cigna for ~84/mo in Michigan. We got a 5% apply-online discount since we applied directly online instead of going through an agent. What do you think about it?
Wow that’s great I am in Michigan too I’ll try and see if I can do that online too.
I live in Michigan and I went with plan N with a agent from Cigna and they're charging me $108 a month. I had no idea I can get it cheaper myself. I guess I'm going to have to call my agent. Thanks
@@GospelOfTimothy yeah agents charge their own commissions in these premiums
@@NKKK19Agents get paid ONLY by insurance company!! Nothing out monthly premiums!
@NK, why would anyone go directly and not use an agent that has helped and educated them in the Medicare process is beyond understanding. You pay the same price regardless so why not let the agent participate and make a living? 😅