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I'm a retired RN Case Manager for a hospital and so many with their MAP had no idea of the limitations their plans offered. We would spend weeks trying to get a treatment or surgery approved by MAP. Also, arranging for outpatient services for MAP was so challenging as they would contract with only a few outpatient companies, the same with SNF for follow up. Definitely the traditional A/B with supplement was a smooth transaction for discharge planning.
go to heck! Why would anybody make a medicare plan SO COMPLICATED for us people in our declining years and mental capacity. And we have to a decision EVERY YEAR. WHY??????????????
same group that pushed for elimination of pensions and putting us in 401ks so we can watch the stock market and try to figure out if we have enough to get through till the end. all it does is create stress and anxiety to a group of people who shouldn't be in that predicament. its just greed
Countries with national healthcare has none of this shite. No need for insurance companies and their bloated pay. No brokers nor agents. There is only one pool...the entire population. You paid throughout your worklife. If you earned little, you paid little. If you earned alot, you paid alot. That is what a society does. Your insurance is not tied to your employment.There are no bills after treatment. None. Americans are so gullible. United Healthcare was a small company, but since Obama care, it trades at about $600. We are so screwed.
I have a supplemental plan through Blue Cross and use WellCare for my meds. I get my meds at Costco and for one of my meds, Costco costs me less than using the WellCare. Overall, even though I'm paying a lot, I love it. I had to file bankruptcy years ago when my employer-based health plan didn't cover all of my cancer care. Love the supplemental.
This is so confusing as opposed to traditional Medicare. And to think I would have to re evaluate these plans every year? Retirement is supposed to be relaxing, NOT more headaches. I'm pretty sure I want Traditional Medicare, but I'm not sure how long I can pay the premiums with high rental increases.
I'm 70. I don't trust Medicare advantage. I'd rather keep original Medicare, and my blue cross is my secondary. At least I know what I have. It hasn't changed. Zero co pays. PPO. Now as far as price, of course it's going to go up. What doesn't go up. I'm hearing too many stories about people that switched from the 2 I have to Medicare advantage. And what I'm hearing is we cover this but not that. And sometimes you have to get a referral and you may have to go somewhere else to get care. I don't like that. If I'm paying big bucks I want some control and say so.
@thomaspham1506 😅😅😅😅😅😅😅😅😅😅What recommendation???? It's been 9 years!! He said Obama care was horrible! Oh its just horrible!! I'm going to replace it with a tremendous Healthcare plan!!!🐃💩er!🤥🍊😡👐9 years!!! Where is it? Harris/ Walz2024 🧢🧢🧢🇺🇲🇺🇲🇺🇲
@@randylondon9462 Is your Aetna plan outside Medicare? If inside the Medicare umbrella is it an Advantage plan or a supplement? If a supplement, which letter? Examples- G, N……
Every time I watch these videos I come away with "G" stands for Great. It is a no brainer for me after watching. Just take one surgery or hospital stay etc. and you hit that $6,350 out of pocket. Divide that by 12 months and you get $529.00 a month. You can get the supplement plan at about $140.00 a month. Sure you have to get a part D, Dental and Vision plan separately but still a lot cheaper for the benefits of going anywhere Medicare is accepted, no referrals, no denials, and the peace of mind is priceless. For some it will come down to affordability. For some it will come down to never having the need for surgery and gambling they will not need it. For me it will be about having that Peace of Mind. You can't put a dollar amount on that. But with all that being said these videos show no favoritism as they explain how all these plans work. When I was a lot younger and we did not have the internet, You Tube, etc. I thought when someone turned 65 they went on Medicare and it was the same for all of us. But it is far from what I thought when I was younger. Great Video.
We're happy that our videos can be so helpful in comparing your options and ensuring you get the best coverage for yourself. If you ever have any questions or need assistance we are here to help. You can contact us at 1-800-864-8890.
@@opium77757 That is a high rate. Check into a Plan N if your medical history is good and you can pass underwriting. In most cases it is a better value than Plan G unless you visit the doctor many times a year. The copay of $20 or less per visit is reasonable and only applies to doctor visits where you are evaluated and diagnosed. You do not have copays for lab work, X-rays, MRIs physical therapy or other testing and treatments. Excess charges are extremely rare, so that is not an issue, and the $50 copay for an ER visit is waived if you are admitted to the hospital. Other than these things I have outlined, Plan N provides the same coverage as Plan G. I have had a Plan N for several years and my monthly premium is still quite reasonable at $92 per month.
Thank you for helping us navigate this process of signing up for Medicare with all of it's options. Special thanks to Justin Cohen for his expertise and assistance.
I’d love to hear advice when a NC state retiree has Medicare A and B and Aetna as part of their retirement benefit vs NC MAP with Humana provided by retiree benefit. All MAP are different.
I am retired Federal, MC A/B starts in December. Considering the FEHB "Aetna Direct" with MC as primary. Aetna also has an FEHB "Advantage" plan that I could "opt in to Medicare option" but it sounds too much like traditional (non fed) Advantage for me to be comfortable. Currently on BCBS standard.
I am also a retired Fed and retired at 64 in 2021 and kept my FEHB BCBS single standard as well as my dental and vision since I was not yet Medicare age when I retired. When I turned 65 I enrolled in Medicare Parts A & B and kept my FEHB standard BCBS which became my secondary coverage which I have yet to pay any outpatient services copays and pay a very modest copay for my medications. This is pretty comprehensive coverage but it is not inexpensive. My single standard BCBS monthly premium is $326, Medicare Part B $174.90, dental $42, and vision $12. Glad I have a FERS pension because after Federal taxes are taken out a chunk of the remaining net pays for my coverage.
@@nightengale2123 I like the standard option and have it for many decades while working, I am 65 and confused as heck as to why I am getting this so called benefit of medicare, which I paid for, that is making me pay alot more money for what I already have. If I lower to basic bc then I lose doctors, choice of out of network and foreign travel. What the heck? I can't even take my social security because I am csrs so I can't take that benefit to off set the cost. Feel like I am just donating money. What a wonderful 65 bday present.
@@johnsvideo3403 I surely hope you remain well to the end of your life! However, unfortunately when we get older we may receive medical diagnoses. This older stage of our lives is when we are most likely to need medical insurance to pay the exorbitant medical bills. My husband’s health caved after he retired. Because we have Plan G and a drug plan for him we can afford his care. Had we been on the Advantage plan we would now be much poorer than we now are. We are so grateful we chose the Plan G supplement plan with a drug plan for both of us. I am much healthier than my husband but if I have a major health event happen tomorrow I am in a good spot with my medical plan supplement/ drug plan. I pay my premiums, my one time small deductible at the beginning of each year ( for my supplement) then everything is paid 100% for the year. Of course, either of us have gotten to the point where we have had to be in the hospital more than 2 weeks ( my husband).
Haven't been to a doctor in 15 yrs, not on any meds, body/mind healthy.... now at 65 and on SS I have to have and pay for more insurance on fixed income... plan N sounds best for me and of course more money for the RX i don't need but will be penalized for life if i don't sign up initially ....
I'm eligible for medicare January 2025. I've already chosen a plan N supplement from AFLAC that will go into effect this coming January. However, I'm wondering how Aflac compares with other companies in the business longer regarding rate stability? I'm in Oregon and they were one of 2 companies that I was told about that have very attractive initial premiums. My state is a "birthday state", which I understand to mean that I can go shopping and switch if I want to each January (my birth month)...but I'd really prefer not having to go shop every year for potentially new coverage if I don't have to. I also understand it's my responsibility to cancel the old company if I decide to replace with a new provider. Can you elaborate on Aflac's overall rate stability for me? I might possibly be getting nervous simply because I made a choice based on only 2 companies offered by my insurance broker - buyer's remorse or nerves? Thank you for all your super educational videos. I am very grateful for all you do!
Thank you so much, we are happy to hear that we can help! We will be sure to keep that in mind, we have more information coming! If you ever need assistance you can give us a call 1-800-864-8890!
In Idaho, Blue cross is changing for 2025. It is going to cost me an additional small premium that will be withdrawn out of my SSDI of about 30.00 a month. 0 deductible, $5000 out-of-pocket, and assorted smaller copays than my previous Molina Coverage. Dental 2000-dollar benefit, and VSP vision coverage. I also get coverage out of state and out of the country without hassle. It is all so confusing.
@@heartfacingupward you definitely need to get an agent from this company to help you. They are extremely helpful and trustworthy. They advise you to your best interests, not theirs. People of integrity. Also, if you have time watch or listen to their videos. They explain Medicare better than anyone I have interacted with.
It's not likely they will cover the deductible. Since they are the second payer, you may be responsible for deductibles. You can verify with your BCBS how the coordination of benefits will lay out.
@@cherylmickelson82 you can find that out by making an appointment with these guys. I’ve been with them for a few years now and they are not at all pushy.
I have saved so much with Advantage plan over ten years to pay for possible max payouts many times. I use savings to pay for long term care insurance. Nursing home costs are going to wipe you out faster than anything.
Advantage is great as long as you remain healthy. If you get cancer or major heart condition on Advantage it could really put you in a desperate financial situation.
@@barbaramosley9081 There is a maximum payout of $5500/yr worse case sinerio. I would pay half that much each year in gap insurance and it rises each year as you age.
@@AS-tt8ui Hopefully you will have as good of health as they do!!! I hope so! It’s no fun to deal with major health issues during this time of your life. I also have parents who were very healthy until their 90’s. Then they developed health conditions. I just want the peace of mind that I don’t have to worry about medical bills in my future.
can you do a video base on the News week article - google "Newsweek new Medicare rule could force seniors" to find the article. Basically it is saying an employer PPO plan with a $4500(example) max out of pocket may not be considered a viable replacement coverage for Part D because in 2025 the new max out of pocket for part D is only $2000. Thus for those working past 65 and using a employer plan when years later they apply for Part D they hit with a penalty
I'm turning 65 next year in March. I live in Arkansas. I'm wondering if the price you are showing for Texas is similar for Arkansas for the G and N plan. I'm also curious if I select the N plan, can I switch to a G plan later? I guess I need to call your agency.😊
If you are smart you will go with original Medicare with a supplemental. Those who chose a Medicare advantage will regret the advantage plans unless they die soon after 65 in an accident and die at the time of the accident. The Advantage Programs fight to keep you from using the promised coverage. Do your homework when the time comes to decide on Original or Advantage. As the spouse of a hospital CEO I hear stories from both doctors and administrators of patients actually dying while the Advantage Plans are denying the life saving (read expensive) procedures. This is for real. Do your homework before picking Medicare Advantage over Medicare. If you go Advantage anyway I hope, for your sake you don’t live long enough to regret your choice.
I’ve got Aetna Advantaged in the city of San Francisco. They showed both me and the broker all these doctors. AND THOSE DOCTORS ARE NOT IN MY GROUP!!! I’ve been trying to get a standard colonoscopy since January (really started working on it hard in early April). I finally found a doctor but the clinic was NOT in plan. I’ve spent many, many hours on the phone with Aetna. Friends and admins at various doctor offices had said, ditch Aetna and get United Supplement.
@@eonarts ditch United as well. You can jump ship to original Medicare the last qtr of the year. Only issues are Part B which covers top 20% requirements call for the company of your choice underwriting you. Aetna is good for that. Original Medicare doesn’t give you dental care or a gym membership and you will have to pay a monthly fee for both part B and Part C depending partially on your annual income. I’m kinda shocked you can’t get a colonoscopy. I have had 2 with no insurance problem. Just a matter of setting appointment a doc and that prep work prior to procedure. Good Luck
@@eonartsI had gone with Original Medicare A and B, plus a plan F supplement with Aetna. I have had a colonoscopy with no problem. I haven’t had any problems with my insurance at all. My husband has Original Medicare A and B, with Plan G supplement with Aetna. He has had a serious neck surgery done-no problem with approvals, coverages, or anything. He then fell and had to go to emergency……it was all covered, no problem. We chose a supplement as opposed to an Advantage plan, for many reasons…..one of them being that a supplement will cover us the same way in every state…..but an Advantage plan only covers in the area that you live……and we were wanting to eventually move to another state. We live in Arizona, close to a LOT of great specialists and doctors……I look up their reviews online before we make appointments with them….I even look up the reviews of the hospitals. We were hoping to move to be closer to relatives in Oklahoma……but the hospitals, doctors, specialists, and healthcare ratings in general, are abysmal in the center of the country…..and our health will not get better as we age. We may be stuck here in hell-hot Arizona……but hey, we got Barrow Neurological Institute, Mayo Clinic, and a LOT more in the way of great doctors, specialists, and hospitals, than the middle of the country has. I just don’t see us fairing very well in the middle of the country, no matter what insurance plan I had……and that’s sad. So yeah, where you live can affect your ‘general healthcare’, as well as which plan you go with can. As a ‘supplement’, we have no complaints with our choice of Aetna. But I have heard that Advantage plans in any well-known insurance company, has been a nightmare for many. Again, if I were to take my ‘great coverage’ that I have now, and move to pissville, USA, I probably won’t be able to get the great standard of care that I can get here in Arizona. So it’s not just what insurance…..it’s location, location, location.
That's because your are not in PPO.PPO is usually going to cost more than HMO. That's because with PPO you can go out of network. Anywhere you want as long as BC is accepted. And at age 70, I have never been turned down with BC. I have original Medicare. Then my BC is separate. They pick up what Medicare doesn't. Zero co payments. The only time I pay anything is if it's non covered service. Which is very rare. And even if it happens it's not that much.
I need monthly medical treatments that cost $4200 a month, most likely until I die. I’m 71 and my parents lived to their late 80s. Thank goodness I have a supplement plan!
I’m 68 in California with a Medi-Medi plan that I’ve been on for 3 years, which is I believe the only plan that will/can pay the part B premium. I may be returning to work by the end of the year and most likely will lose my Medi-Cal so I should qualify for a Special Enrollment period at that time. I’m guessing I should go with a med supplement?
First, you'll want to keep your Medicare intact until the coverage from the employer has started. You will have a special enrollment period when you are no longer working. If you believe you will not get Medi-Cal back and know you would like the freedom of no networks and then we'd advise taking a supplement during that SEP.
Then in this case yea you will want to sign up for all parts of Medicare. You will not have credible coverage from an employer. If you need assistance we are happy to help. You can contact us at 1-800-864-8890.
@@MedicareSchool , I think I’ve got this. As I’am on a medi medi plan for the last 3 years since I turned 65, I already have all parts of Medicare, parts A &B. If/when I lose my medi-cal(I live in California) that will trigger my SEP. At that time I’ll just need to decide on which supplemental plan and drug plan best suits me. I’ve been lightly studying up on this for the last year in preparation for if/when I lose my Medi-Cal. I actually love my Medi Medi and in the last three years have never had a referral denied or take an excessive amount of time to be approved. My first Medi Medi was through a provider called IVHP(Inter Valley Health plan) They closed. Then An independent Medicare agent got me with a provider called Scan, but that lasted maybe a few weeks, as I had some issues with them and the agent basically was useless in helping me through the issue, so I took care of it myself, then left that agent by doing my own research and found my current provider IEHP(Inland Empire Health Plan) they’ve been absolutely phenomenal! Of course it’s been great not having a copay, co-insurance, zero deductibles, zero drug costs… I’ve had quite a few major surgeries the past three years and there is now a light at the end of that tunnel and I’ll be going back to work as an independent contractor so that’s why I’ll be losing my Medi-Cal, but thanks to my watching RU-vid and finding your channel as well as others, I think I’ve got this. I’ve even learned how to navigate Medicare.gov to research my doctors, specialists, prescriptions, and pharmacies. I’ll definitely though keep watching your informative videos though!
I had Blue cross blue shield a couple years ago.still plan 'F' but it got over $300. So i went to Etna...but now this month it went up $55. So now it's getting close to $300. Again?...what can i do?
plan F is closed and as the participants dwindle in numbers and increase in illness it's going to be very expensive. That's why I chose plan N even though I qualified for plan F.
Look at Plan G. Also, if President Biden gets re-elected, he is planning to raise what Social Security pays us by at least a few hundred dollars per month (if not more), once he gets Corporations to start paying their fair share of taxes. Don’t give up on Supplemental because Medicare Advantage costs a lot more in the long run!
@@UncleDavesKitchen In most states, you can move from a higher-level supplemental plan to a lower-level supplemental. For example, my husband moved from Plan F to Plan G, which is significantly less expensive. He could move to Plan N to save a little money, but he cannot move back to F because underwriting is required and he doesn’t medically qualify.
Plan F is slowly phasing out, leading to skyrocketing premiums across all carriers. We suggest looking into a Plan G instead to lower your premium costs. If you'd like to review these options with us, please contact our office at 1-800-864-8890. We'd be happy to help!
Why isn't there just one plan and one pool for everyone rich or poor? Isn't that what insurance means? If you go into a plan and as the participants age of course there are more expenses. However, if you close that pool to new entrants, you are no longer offering insurance. You are no longer spreading risks and thus costs across a large pool ex. All Citizens. It looks like a huge scam and everyone benefit except for the consumer.
A local broker i just talked to today said if I take a N or G plan with medicare the company he gets it through makes no difference. They all have to pay the same so he doesn't care how big the insurance company is. He writes up the one with the best price to me. Question i have is if this small insurance company raises rates (which he says they have not) can you change to another or different insurance as long as you stay with the N or G plan you have? I'm in Michigan 49202. Also he claims advantage plans here in my area are very good and i can go anywhere in the state for medical treatment even on a HMO and doctors don't need to get approvals for medical treatment needed? This is all different then what you say? Also rates on N and G are pretty low in my area and D plans are free or less then $10.00 according to him.
You would have to medically qualify to switch to another carrier. So if you can't pass underwriting you wouldn't be able to make that switch. We would love to give a second opinion on your situation. For us to better assist can you call into our office at your convenience at 1-800-864-8890. We're happy to review those again with you!
Also, ask him to compare the cost of kidney cancer, for example, with Advantage and then Plan G supplement. A heart condition development later in life could also cost thousands in copays and drugs. One day you’re “ healthy” the next day u go to the doctor and get a major health diagnosis. Now u can no longer pass underwriting to go back to a supplement Plan. You have to decide if you want to take that financial risk since you don’t know your future.
You can look into insurance agencies/brokerages, we also offer these plans if you'd like you can contact us at 1-800-864-8890. Or going directly to the carriers themselves as well!
I live in Florida. If I have plan G with Florida Blue Cross Blue Shield, will I have the same coverage if I see doctors or have surgery in another State like New York or California for example? Thank you.
Yes, your plan G will travel with you anywhere in the US, the coverage will remain the same that you've met your annual deductible and the carrier will cover the remaining 20%
You can call our office at 1-800-864-8890. We will be able to help with your review once we get you set up with someone on our team. We're looking forward to hearing from you!
You can review pricing on Medicare.gov directly. Or you can contact our office at 1-800-864-8890 our team will be able to review those options with you!
To provide you with that we would need more information. You can contact our office at, 1-800-864-8890 and we can review what is available to you in your area!
@@cherylmcnutt9905 Medicare seems to be eliminating all plans that have no copays, plan G is the last one. Plan F closed a few years ago. Per Medicare lawmakers found no copay Supplements tend to be over used by the policy holders. It will be interesting to see if this happens to G, too. Plan F was cheap but since it closed enrollees are paying $220 to $300 a month now.
You can change carriers, but you may still have to go through underwriting unless you live in a state where the birthday rule applies or where there is open enrollment year round.
@@MedicareSchool Thank you for the information. We are in Texas and neither applies. Would this be something to discuss with the Texas state senators and representatives?
Depending on your states rules ( Connecticut, Maine, Massachusetts, and New York do not have underwriting) all other states are subject to underwriting. So it will require underwriting, you can freely change if you can pass!
Yes they are both advantage plans, but unfortunately not everyone has to luxury of affording a supplement plan or they can no longer pass medical underwriting. So we make these informative videos for those that no longer have the option of a supplement plan. So they can better understand what would be best fit for them.
When 20 million illegals are added what happens to the middle class ? We cannot afford that..i am worried for our country even our veterans are homeless 😂
Illegals cannot be put on SS Medicare. It’s a scare tactic for uninformed ppl. If they are documented migrants who can work and pay taxes, SS is taken out of their pay and meet the requirements. And work for 10 years like the rest of us. They can collect SS Medicare. If they earn it they get it. Why would this be a concern to your SS Medicare? Dont worry illegals or documented immigrants are not taking away your SS Medicare from you. They have to meet the requirements. If they work they pay into the fund like the rest of us. Stop listening to Trump’s lies who stirs the pot of fear. What to worry about is Trump wanting to cut SS Medicare altogether. That’s your SS Medicare. With no tax on SS. Then money isn’t going in the trust fund and will be depleted before 2033. The rich need to add to the fund. Or the young and old will be living homeless. That’s what you should be worried about. Veterans who chose to be homeless by choice maybe mental illness or addiction. There are programs for Veterans. Don’t worry about them. They can take care of themselves.
I've had Aetna for 15 years. First with my employer and the last 3 years as a supplement with Medicare. I couldn't' be happier with it, they've been good to me. Blue Cross isn't cheaper in my state.
@@conprezit’s my understanding Aetna purchased silver script. I just got a letter from Medicare saying my premium is going up by over 200%. I’m inclined to run from Aetna
@bobdrawbaugh4207 That's a good reason to run! I haven't received anything from Aetna yet concerning that. I don't ever receive anything from Medicare about Aetna. Time will tell!
If you have a heart and believe like Kamala Harris that all human beings are entitled to health care - MEDICARE for ALL is the answer. Kamala Harris 2024
That’s fine with me if you’re going to pay for it all so they can send you the bill and hold you accountable for that bill and if you don’t pay your facing bankruptcy!
