Had N since the beginning and had stage 4 cancer surgery and follow up radiation, total shoulder replacement with 6 months PT and colonoscopy and never paid anything more than the $20 office visit co-pay. This was in Arkansas, Mississippi and Montana.
David Kieffer was my angel. Kudos to you for hiring such a wonderful person who knows what he's doing and how to make people feel satisfied with the information he saved me. I was given the wrong information and I was really hysterical but he called me down and listen to everything I had to say. And help me believe me do not hesitate ask for this man he is wonderful. Old lady in Anaheim lol
I'm 74 and have the N supplemental plan since beginning. Luckily I have never had any major medical issues so far. But budget is getting tighter and not sure if I should change.
Plan G vs Plan N - there is no difference between the plans for inpatient services, (Part A) of Medicare. All inpatient paid at 100%. And by the way, inpatient services will be the most costly services incurred during one's lifetime. The difference between G and N is the outpatient services. Plan N has a little more cost sharing such as "up to only" $20 office visit copay and $50 ER visit, but is waived if you are admitted to the hospital. Another difference is G covers excess charges and N does not. However, 97% of providers across the country accept Medicare reimbursement so excess charge coverage is not really necessary. And both G and N do not cover the medicare deductible. Finally, because G covers a a drop more, the premium will increase on a faster track, and as we age, we need to be able to absorb those premium increases if we want more "inclusive" plans.
@@sheryllegg845 yes..the medicare deductible for 2024 is $240. And it will change each calendar year. Also, the annual deductible is in addition to the Medicare Part B premium.
Very informative explanation of the benefits from switching to plan N from plan G. My husband is going to be 75 soon and unfortunately has numerous health issues.He is in the plan F pool. We are getting a 10% family discount and for right now my health is good and my premium is very low. But if his premium gets too much higher and my health holds out I could switch to a plan N “pool.” Thank you for your informative Q & A 7:10
18:20. Maryland passed the birthday rule in June 2023. I was with AARP UHC supplemental effective 3/1/24 (only one who would take me) for $430/month. This birthday month, I switched to Humana supplemental for $100/month.🎉🎉 with no medical underwriting. I got my UHC policy with Medicare School but, unfortunately, they do not do supplemental guarantee issue policy so I had to go with one of Medicare School's competitors. But I will be back with them in October with my west coast 88 year old aunt who's changing from Kaiser to another Medicare advantage.
Transamerica has increased our rates twice every year since we signed up with you in 2017 Marvin. I have called Transamerica twice and they indicate that the state of Kansas allows it to be increased again after the notification date with no notification.
It happened to me. I went on Medicare and N supplement. Found out prostate cancer returned. Had PET scan and may have to take injections to lower T and starve the cancer. It was all covered.
I agree. Although I didn't have cancer, I have other issues and just wasn't getting thorough preventive answers. My supplemental plan has allowed me to go to the Mayo Clinic which has been a phenomenal health education and administrative experience. FYI, Mayo Clinic has three locations.
Watching from Florida. My question involves an observation hospital stay and home medications. My husband was in the hospital for two nights and was statused as observation. He was billed for the his home maintenance medications. And billed at the inflated hospital rate. How do we avoid this in the future?
Good question - I thinka Medigap G or N plan is supposed to cover all Part A, but does it cover the dreaded "obervation status" - I think it does, but wondering. As far as home medications goes, I have always made the hospital call in to my pharmacy or give me written scripts to take in.
That would be Plan G that covers 5 of the 6 gaps that are in Medicare. If you would like to review plans we'd be happy to help, call our office at 1-800-864-8890.
I'm late to the party, but I have a question. I have heard that if I pick up part A (I'm 65, still employed and insured) that I lose access to drug manufacturer coupons. I depend on coupons issued by pharmaceutical companies as well as GoodRx that my sorry med plan doesn't cover.
I'm on plan g and am considering changing to plan n . I have already paid for part b. Do I have to pay that again if I change plans or carriers. I'm 85, in Mo.and am currently with Lumico
Everyone pays for Part B monthly while on Medicare no matter if you have G or N. You will continue to pay your Part B premium monthly and Plan N premium monthly if you are planning to change.
I have been watching your videos and very helpful in understanding Medicare. This is my situation: I am turning 65 in Feb 2025. I was displaced from my work last March but still have medical insurance until end of December. My spouse is still working with medical insurance from his employer with 20+ employees (he will turn 65 in April 2025). My delemma is should I go under his medical insurance or get Medicare. If Medicare, when should I contact you? Thank you in advance :)
Either decision is okay in this situation. You can get coverage through your partner and delay enrolling in Medicare or you can enroll when your IEP starts. In your case, your Initial Enrollment Period would start in November of this year and end in May. The route you choose will depend on which is more affordable to you. Please feel free to give us a call so we can help you explore your options before your IEP starts. 1-800-864-8890
@@MedicareSchool Thanks! I will give you a call in October, by that time I will have an idea of how much my husband’s medical premium will be for 2025 with me as his dependent.
I have medicare original with sup plan g. I was covered for chiropractic care and adjustment then medicare stopped after limited visits. Can i appeal to medicare for continuation of chiropractor adjustments so i can be covered for twice a month adjustments.
Indianapolis Indiana What about the monthly premiums for plan F mine have gone up. I’ll be 80 next week and might have gone up to almost $400 a month. Of course I can’t switch to anything because I had cancer couple weeks in a month ago. Few other things.
@@wyochild7908 sorry you were so sick, but glad you had good insurance coverage. I personally did not take the clot shot. I follow people on Facebook and other social media I knew right away that I would never allow that to happen to me. I hope you continue to get better and that you don't suffer any more consequences.
My n plan went up for next year, I had 3 stents put in about 5 months ago. I did not pay any money for all that …Are all N plans about the same price ?
EBW from GA. I am 77 y o. Have a G plan. Happy with it. Need to find out if I can reduce my expense by moving from my current company which is Cigna. Also want to seek a new script company which is now Wellcare. I’m still very healthy. Thoughts?
If you are still working and have Medicare you can certainly cancel your employer plan and have Medicare only in place! We can certainly help with a review on a new rx plan, you will want to use this link and get your prescriptions and pharmacies entered into the system before Midnight tonight so we can get that review for you. It has to be done by tonight or we will not be able to do a review for you. medicareschool.com/aep-hq/ You will just follow the prompts!
From southern Wisconsin. My birthdate is February 29, 1960. I will turn 65 in 2025 and will be retiring. However there is no 29th in 2025. Should I retire on February 28th or March 1st in order to get benefits for age 65?
F pays the Medicare deductible which is $240 this year. G doesn’t pay the $240 deductible so you’d responsible for that yearly deductible. That’s the only difference other than the difference in premiums between F and G.
I have a question regarding getting out of paying Part A premiums: I signed up for Medicare in May, last month of my 7-month window. Since I worked for a Municipality, i did not have 40 quarters with Social Security. I pay $278.00 a month for Part A. My ex-wife, 28-1/2 yrs of marriage, just turned 62 this month. I now qualify for Medicare through ex-spouse which would give me free premium Part A. Do you know the process for me to switch to Medicare through her name? I went to the Social Security office and the guy was confused. He gave me three different answers. He basically was going to have me cancel my Plan B. I don't want to do anything that will leave me without coverage. I don't know if I have to wait until open enrollment to try to switch over to ex-spouse for free premium Part A?
Best time to add on a supplement policy? Or? If you are just beginning we advise finalizing all parts of your Medicare as soon as possible, rather than holding off to ensure you don't miss any deadlines. Give us a call we can answer your questions and assist, 1-800-864-8890.
Since Medicare will start the prescription cap of $2000 and my company plan doesn’t will that exclude my company plan as “not being as good as Medicare?”
We do not work with that carrier, so we can't give a clear answer. We can review plans and compare with you. You can call our office at 1-800-864-8890.
It would depend on what you are currently paying. For most their premiums are so high it may be beneficial for them to switch to Plan G. If you would like to compare the two and possibly make a change we can help. Give us a call at 1-800-864-8890.
She can apply for a supplement plan during this upcoming enrollment period, depending on how long she's been on Medicare Part B she will likely have to go through underwriting. If you all need assistance give us a call at 1-800-864-8890.
You can shop for a cheaper plan, but in most states, you will have to pass medical underwriting to switch do a different Supplement, and you could be denied another Supplement. Your options if that happens, would be to switch to Advantage (no underwriting for Advantage), or just keep paying the increasing Supplement premium.
You can certainly shop for a new plan, it's likely that you would have to go through medical underwriting. Give us a call we would like to help review new options, you can reach us at 1-800-864-8890!
I called your number but received an automated message that I would get a text message with a link to make an appointment. I have not received a text message yet even though I called about an hour ago. Please advise. Thank you!
![[#2024MAMA] ROSÉ (로제), Bruno Mars - APT. | Mnet 241122 방송](http://i.ytimg.com/vi/dgGqD28J6aQ/mqdefault.jpg)
Had N since the beginning and had stage 4 cancer surgery and follow up radiation, total shoulder replacement with 6 months PT and colonoscopy and never paid anything more than the $20 office visit co-pay. This was in Arkansas, Mississippi and Montana.
Can I ask what supplement plan and the name of the company your supplement is with?
David Kieffer was my angel. Kudos to you for hiring such a wonderful person who knows what he's doing and how to make people feel satisfied with the information he saved me. I was given the wrong information and I was really hysterical but he called me down and listen to everything I had to say. And help me believe me do not hesitate ask for this man he is wonderful. Old lady in Anaheim lol
I'm 74 and have the N supplemental plan since beginning. Luckily I have never had any major medical issues so far. But budget is getting tighter and not sure if I should change.
Plan G vs Plan N - there is no difference between the plans for inpatient services, (Part A) of Medicare. All inpatient paid at 100%. And by the way, inpatient services will be the most costly services incurred during one's lifetime. The difference between G and N is the outpatient services. Plan N has a little more cost sharing such as "up to only" $20 office visit copay and $50 ER visit, but is waived if you are admitted to the hospital. Another difference is G covers excess charges and N does not. However, 97% of providers across the country accept Medicare reimbursement so excess charge coverage is not really necessary. And both G and N do not cover the medicare deductible. Finally, because G covers a a drop more, the premium will increase on a faster track,
and as we age, we need to be able to absorb those premium increases if we want more "inclusive" plans.
Neither cover medicare deductible? Would that be the $240?
@@sheryllegg845 yes..the medicare deductible for 2024 is $240. And it will change each calendar year. Also, the annual deductible is in addition to the Medicare Part B premium.
@@malinhead322 thank you!
My local Advent hospital and all drs attached, do not accept medicare as payment in full.
Thanks a million, to this channel for making us understand a very confusing subject of Medicare insurance, God bless him and him.
We're glad that we can help, if you ever have questions feel free to give us a call! 1-800-864-8890.
I just started Medicare September 1st. My N plan w/MOO is $128 p/m. Yesterday I checked and the cost of the had risen to $144 or 12%.
Very informative explanation of the benefits from switching to plan N from plan G.
My husband is going to be 75 soon and unfortunately has numerous health issues.He is in the plan F pool.
We are getting a 10% family discount and for right now my health is good and my premium is very low.
But if his premium gets too much higher and my health holds out I could switch to a plan N “pool.”
Thank you for your informative Q & A 7:10
Florida,, part G extremely high
18:20. Maryland passed the birthday rule in June 2023. I was with AARP UHC supplemental effective 3/1/24 (only one who would take me) for $430/month. This birthday month, I switched to Humana supplemental for $100/month.🎉🎉 with no medical underwriting. I got my UHC policy with Medicare School but, unfortunately, they do not do supplemental guarantee issue policy so I had to go with one of Medicare School's competitors. But I will be back with them in October with my west coast 88 year old aunt who's changing from Kaiser to another Medicare advantage.
America practices, Rockefeller medicine this is what has to change
I decided to give you all my business when I retired because you cared about my education.
We're happy to that we can help in any way!
Transamerica has increased our rates twice every year since we signed up with you in 2017 Marvin. I have called Transamerica twice and they indicate that the state of Kansas allows it to be increased again after the notification date with no notification.
It happened the same to me in California, no notification whatsoever
Overland park KS I lived there for a while in New york state now
It happened to me. I went on Medicare and N supplement. Found out prostate cancer returned. Had PET scan and may have to take injections to lower T and starve the cancer. It was all covered.
You starve cancer by not eating sugar, grain flours and vegetable and seed oils. Also, get oxygen in your lungs!
I agree. Although I didn't have cancer, I have other issues and just wasn't getting thorough preventive answers. My supplemental plan has allowed me to go to the Mayo Clinic which has been a phenomenal health education and administrative experience. FYI, Mayo Clinic has three locations.
Watching from Maryland. Researching for enrollment next year. Interested in G and N. Thank you for your videos!
Welcome! If you need any assistance just give us a call at 1-800-864-8890.
Watching from Northern California
Watching from Florida. My question involves an observation hospital stay and home medications. My husband was in the hospital for two nights and was statused as observation. He was billed for the his home maintenance medications. And billed at the inflated hospital rate. How do we avoid this in the future?
Good question - I thinka Medigap G or N plan is supposed to cover all Part A, but does it cover the dreaded "obervation status" - I think it does, but wondering. As far as home medications goes, I have always made the hospital call in to my pharmacy or give me written scripts to take in.
Highland TWP Michigan
Which is the best choice for Medicare covers everything that a person my need
That would be Plan G that covers 5 of the 6 gaps that are in Medicare. If you would like to review plans we'd be happy to help, call our office at 1-800-864-8890.
Watching from San Cristóbal de Las Casas, Chiapas, México.
Salisbury NC
Dylan Blanck has been wonderful!
Arizona
California Sacramento
I am on J
utah to washington doubled our supp plan premium
I'm late to the party, but I have a question. I have heard that if I pick up part A (I'm 65, still employed and insured) that I lose access to drug manufacturer coupons. I depend on coupons issued by pharmaceutical companies as well as GoodRx that my sorry med plan doesn't cover.
Watching from florida
Lubbock,Texas where Mac Davis@Buddy Holly lived
I'm on plan g and am considering changing to plan n . I have already paid for part b. Do I have to pay that again if I change plans or carriers. I'm 85, in Mo.and am currently with Lumico
Everyone pays for Part B monthly while on Medicare no matter if you have G or N. You will continue to pay your Part B premium monthly and Plan N premium monthly if you are planning to change.
Hello from Wenatcbee,Washington
I am listening from El Centro ,California on you tube
Great drug prices south of the border as well.
Watching from Alabama.
AZ
How about Medicare D? In the state of Colorado what are our options?
South Carolina
I have been watching your videos and very helpful in understanding Medicare. This is my situation: I am turning 65 in Feb 2025. I was displaced from my work last March but still have medical insurance until end of December. My spouse is still working with medical insurance from his employer with 20+ employees (he will turn 65 in April 2025). My delemma is should I go under his medical insurance or get Medicare. If Medicare, when should I contact you? Thank you in advance :)
Either decision is okay in this situation. You can get coverage through your partner and delay enrolling in Medicare or you can enroll when your IEP starts. In your case, your Initial Enrollment Period would start in November of this year and end in May. The route you choose will depend on which is more affordable to you. Please feel free to give us a call so we can help you explore your options before your IEP starts. 1-800-864-8890
@@MedicareSchool Thanks! I will give you a call in October, by that time I will have an idea of how much my husband’s medical premium will be for 2025 with me as his dependent.
I have medicare original with sup plan g. I was covered for chiropractic care and adjustment then medicare stopped after limited visits. Can i appeal to medicare for continuation of chiropractor adjustments so i can be covered for twice a month adjustments.
Indianapolis Indiana What about the monthly premiums for plan F mine have gone up. I’ll be 80 next week and might have gone up to almost $400 a month. Of course I can’t switch to anything because I had cancer couple weeks in a month ago. Few other things.
Plan F has had an large increase in their premiums unfortunately because they are phasing out eventually.
I just got plan F I hope it don't go up to much 😮
Pa supplemental plan f ,age 65 went on security disability 2015 am I allergical for f supplement
Watching from Woodstock, Oh
Hello FROM N.J
Upper Peninsula Michigan
Is osteoporosis an auto denial to switch from N to G when I move from AZ to Washington state next year?
What about high deductible G?
@@wyochild7908 sorry you were so sick, but glad you had good insurance coverage. I personally did not take the clot shot. I follow people on Facebook and other social media I knew right away that I would never allow that to happen to me. I hope you continue to get better and that you don't suffer any more consequences.
My n plan went up for next year, I had 3 stents put in about 5 months ago. I did not pay any money for all that …Are all N plans about the same price ?
Plan N would be cheaper than Plan G, also depends on where you live!
EBW from GA. I am 77 y o. Have a G plan. Happy with it. Need to find out if I can reduce my expense by moving from my current company which is Cigna. Also want to seek a new script company which is now Wellcare. I’m still very healthy. Thoughts?
If you are still working and have Medicare you can certainly cancel your employer plan and have Medicare only in place! We can certainly help with a review on a new rx plan, you will want to use this link and get your prescriptions and pharmacies entered into the system before Midnight tonight so we can get that review for you. It has to be done by tonight or we will not be able to do a review for you. medicareschool.com/aep-hq/ You will just follow the prompts!
Watching from Paddock Lake, WI
Western PA.
Naples, Fl
What is the difference between plan G and
plan N
Which carrier is the best to have for Cody Wyoming. I'm planning to get supplemental plansA,B,D,G
@@wyochild7908What company did you write your G with?
Evansville, Indiana,, Judy
Iowa
Atlanta, Ga.
Alabama 😮
From southern Wisconsin. My birthdate is February 29, 1960. I will turn 65 in 2025 and will be retiring. However there is no 29th in 2025. Should I retire on February 28th or March 1st in order to get benefits for age 65?
My birthday also ❤
Whats the difference between G &F??
F pays the Medicare deductible which is $240 this year. G doesn’t pay the $240 deductible so you’d responsible for that yearly deductible. That’s the only difference other than the difference in premiums between F and G.
Wonderful to hear!!
Anthony Tancreto Cherry Hill NJ
I have a question regarding getting out of paying Part A premiums:
I signed up for Medicare in May, last month of my 7-month window. Since I worked for a Municipality, i did not have 40 quarters with Social Security. I pay $278.00 a month for Part A.
My ex-wife, 28-1/2 yrs of marriage, just turned 62 this month. I now qualify for Medicare through ex-spouse which would give me free premium Part A.
Do you know the process for me to switch to Medicare through her name?
I went to the Social Security office and the guy was confused. He gave me three different answers. He basically was going to have me cancel my Plan B. I don't want to do anything that will leave me without coverage. I don't know if I have to wait until open enrollment to try to switch over to ex-spouse for free premium Part A?
You would do that at the SS office, I would ask to speak with someone higher up for help.
Texas
Chicago, IL
Tescott Kansas
I just started Medicare 9/1. When do you suggest will be the best time.
Best time to add on a supplement policy? Or? If you are just beginning we advise finalizing all parts of your Medicare as soon as possible, rather than holding off to ensure you don't miss any deadlines. Give us a call we can answer your questions and assist, 1-800-864-8890.
Kentucky
Since Medicare will start the prescription cap of $2000 and my company plan doesn’t will that exclude my company plan as “not being as good as Medicare?”
At some point it's pretty for certain that plan G is the best option unless you just drop dead.
If I switch to a supp plan from a MA the first of 2025 when should I purchase a D plan?
You will want to make that selection during AEP as well, that is the only time that you can add on a drug plan.
is Erie a good supplemental insurance policy
We do not work with that carrier, so we can't give a clear answer. We can review plans and compare with you. You can call our office at 1-800-864-8890.
Mississippi
Is a part F worth keeping at all costs?
It would depend on what you are currently paying. For most their premiums are so high it may be beneficial for them to switch to Plan G. If you would like to compare the two and possibly make a change we can help. Give us a call at 1-800-864-8890.
Temple, Tx.
A relative joined an advantage plan less than 6 mos ago. Can she switch to supplemental plan
She can apply for a supplement plan during this upcoming enrollment period, depending on how long she's been on Medicare Part B she will likely have to go through underwriting. If you all need assistance give us a call at 1-800-864-8890.
Austin, TX
Great info tu
Thanks for watching
But you still need to go through underwriting to switch medigap plans
Correct, depending on where you live
Will the part D medication cost count towards my B deductible ?
No
Florida
Pinellas park Florida
I have a supplemental plan already but they are going up from 128.00 to 148 00 can I find a cheaper plan?
What state do you live in?
You can shop for a cheaper plan, but in most states, you will have to pass medical underwriting to switch do a different Supplement, and you could be denied another Supplement. Your options if that happens, would be to switch to Advantage (no underwriting for Advantage), or just keep paying the increasing Supplement premium.
You can certainly shop for a new plan, it's likely that you would have to go through medical underwriting. Give us a call we would like to help review new options, you can reach us at 1-800-864-8890!
Lake St Louis MO
I am from Utah
Lexington Mississippi
I guess if you're too sick to pass underwriting and want to change supplement plans (Florida), you're out of luck.
Fairfield, CA
Fresno Calif.
Glendale, Az
I called your number but received an automated message that I would get a text message with a link to make an appointment. I have not received a text message yet even though I called about an hour ago. Please advise. Thank you!
You can schedule an appointment using this link: shorter.me/eWIZn
How good is United health Supplemental my is Delores
Sara hicks from Hotsprings Arkansas
Charles St Charles MO
Father and son ❤️♥️♥️😂😂😂
New Mexico
Is it customary for medicare to make contributions to political parties? Just curious
I think it's called money laundering.
@@evabrechtel4321 I thought there was a name for it…thank you for clearing that up👍
Utah
Wichita,KS
Montana
Regarding Part D; does the annual deductible count toward the $2,000 max next year? And can you spread the deduction through the year?
Yes it does apply to the $2,000 cap. What deduction are you referring to?
@MedicareSchool yeah, something about ??? you don't have to come up with the $$$ all at once. Please research and educate me. Thank you so much.