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Do you really need Medicare Part B

Dr. Ed Weir, PhD, Former Social Security Manager

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🆓Help finding a Medicare plan is ALWAYS FREE! Call 888-817-0446 or email: ed@mygovexpert.com Dr. Ed’s nationwide network of trusted partners can help with: Medicare Supplements (Medigap); Medicare Advantage; Dental, Vision, Hearing plans; Part D Prescription drug plans; Cancer and Hospital Plans, (and by popular demand: burial insurance)
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😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of RU-vid videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!
😊😊WE NEED YOUR HELP! Anything you can do to get the word out about our channel is greatly appreciated! How about your local news? Dr. Ed would love to appear on your local news to promote this critical information to your local community. How about sharing? Facebook, Twitter, Instagram, places of worship and work, community and senior centers! Do you know a famous celebrity or social media influencer? Please have them share our channel. My contact info: ed@mygovexpert.com
⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.
#socialsecurity #medicare #seniorcitizens#seniorcitizens

Опубликовано:

20 авг 2024

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Комментарии : 69

@MyGovExpert Год назад

👍👍Create a FREE personalized video playlist to make sure you're getting all YOUR BENEFITS: www.mygovexpert.com/ 😊😊Need help with ALL PROGRAMS to protect you and your loved ones? Have questions, comments, suggestions, want to volunteer?: form.jotform.com/WeirEd/LEARNMORE

@helenjaime9718 8 месяцев назад

I'm a low income senior on ss and all of a sudden money is being taken from my ss check that I cannot afford. How can I stop this. I don't even go to the doctor.

@alansach8437 Месяц назад

You don't go to the doctor YET. No one dies healthy.

@edwardedwards80 22 дня назад

I am 63yrs younger I haven't been in a doctor's office in decades. I eat my fruits and greens leafy vegetables and fasting, walking , dancing and singing. I rather live among the fruit trees or the rain forest health is wealth 😊@@alansach8437

@Mutasis_Mutandis Месяц назад

Thank you for answering all these questions. It’s a rarity that a RU-vidr does do. 😊

@TP-vu3tc 9 месяцев назад

Anybody can refuse part B working or retired. I'm retired, and I'm going to cancel part B and take the $164 to buy food that I need. And winter heat, gas, the high cost of living

@TP-vu3tc 7 месяцев назад

@birdoftheabyss Call the Social Security department and ask.

@barreloffun10 7 месяцев назад

What will you do when you get sick or hurt?

@TP-vu3tc 7 месяцев назад

@barreloffun10 Well, if one has to go without winter food and heat, you will be suck and hurt. Having something to eat and keeping warm is slightly a higher priority than health insurance

@barreloffun10 7 месяцев назад

RU-vid seems to keep deleting my reply. There may be help available for you. You should apply for Extra Help with Prescriptions with Social Security and also for the Medicare Savings Program with your state Medicaid agency. You could get a Medicare prescriptions drug plan with no premium and very low copays, get your Part B premium paid for you, and possibly get the cost sharing for Parts A & B paid for you. Now let’s see if RU-vid actually posts this…..

@TP-vu3tc 7 месяцев назад

@barreloffun10 Can't get NO extra help or medicaid. $13 dollars over the income limit, DAM!!!

@tazz-sb9li 7 месяцев назад

I’m just going to use the VA and pocket my 180$ a month for food or other important items.

@MyGovExpert 5 месяцев назад

Sounds good! Hopefully that works out. Take care, Ed

@chris5942 5 месяцев назад

I am wondering if it would be better to put the Part B premium amount into a savings account instead of buying part B. What is the average a Senior spends a month on Clinic visits. I cannot fathom being in the Doctor's office every month.

@MyGovExpert 5 месяцев назад

It's really for the unexpected. You might save a little money by putting it in the bank...until you get sick/injured, then......not good!

@user-up6qp9fv9w Месяц назад

One trip to the hospital emergency room and fews days in the hospital could cost several thounsands of dollars.

@hainguyen7971 3 месяца назад

Yes! I am working passed 65 and not enroll on Medicare part A and delay Medicare part B due to I have an HSA account until I retire at 70 ( end yesr of 2025). Please be advised me what I need to apply for Medicare Part A and part B along with employer letter which states that I have creditable coverage from my large company with 2000 employees. Thank you and with every warmest wishes

@MyGovExpert 3 месяца назад

Once you stop working and receiving health insurance from current work, you'll need 2 forms. Check out my video online about how to avoid the Medicare penalty and it explains everything.

@johnnymoretti 5 месяцев назад

Glad I stumbled onto your videos! I'm 64 and intend to work for another 6 years. I have a great medical plan with a major corporation. Will start collecting delayed SS at 70. So....take the Medicare Part A, but decline the Part B until I stop working (or apply a few months in advance). That's the message I got from your video, correct?

@MyGovExpert 5 месяцев назад

Perfect! As long as you are not contributing to an HSA, you can start Part A without any issues. Take care, Ed

@johnnymoretti 5 месяцев назад

@@MyGovExpert I'm not contributing to an HSA. Thank you, Ed, for all the advice on your videos!! Very helpful!

@Kathleen67. Месяц назад

Vital information, always get proof that you gave the forms. Thank you! Your cautionary tales are life saving.

@MyGovExpert Месяц назад

Glad you like them!

@michaelroy925 2 месяца назад

Don't forget to mention that Medicare Part B premium is times 2 if you are married. That's $174 per month for Each of You!

@theresawebb8064 Месяц назад

I was just asking a worker about if I ever got married again, he gets his part b pd thru Medicaid and so do I..but I wanted to know if Medicaid would stop helping if we got married..she said it would depend on our combined income..other word if our combined checks were to high, no Medicaid part b pd for u .but she wouldn't tell me the income limit

@Yahoo12 6 месяцев назад

You will not be penalized if you are working & have grp insurance. When you stop working then you need part B, drug plan and medigap. No Advantage it may seem like a great plan until you need to use it.

@MyGovExpert 6 месяцев назад

Thank you! Group has to have 20 or more employees. And unfortunately, some people just can't afford the monthly Medigap premiums. I wish everyone could though!

@edwardedwards80 22 дня назад

@@MyGovExpert I am 63yrs old retired work for the school system 27 yrs and 9 months. I am still on my company's health care system. I called them and asked them about signing up for Medicare and they told me when I turn 65 I will automatically be put into a Medicare advantage plan. I thought I had a choice. I don't mind being on a advantage plan because I don't get sick at all. I just don't like being forced. I just want to thank you for your knowledge and honesty.

@alansach8437 Месяц назад

Short answer: YES! You could be in the hospital and still be billed as outpatient. If you don't have B you could be hit with tens of thousands in surprise bills.

@MyGovExpert Месяц назад

That is true!

@partyon5374 Месяц назад

If you are low income, Medicaid is available to cover your health care. Medicare Part B is nice for those who can afford the premium, but it doesn't provide much coverage.

@qooldewd2086 Месяц назад

I live overseas without plans to go back to the US anytime soon. I will be 64 in a month. They started charging me 174 for Medicare part B. I want to refuse part B. Will they reimburse me since i am not 65 yet? Is there a limit to the penalty of refusing part B? What if i need part B after 10 years?

@MyGovExpert Месяц назад

There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert

@glennhalila8279 3 месяца назад

I'm 63 years old. I've been receiving Social Security Disability benefits for 3 years now. Social Security Administration made me start taking Social Security benefits (They split the payments up into two payments, one for Disability and one from Social Security Administration). I'm confused about Medicare parts A and B. I'm recieving Medicaid Benefits from the State of Ohio

@MyGovExpert 3 месяца назад

We can help you navigate the Medicare Part A and B bureaucracy. Email me your name, phone, state, and mention that you need help with Medicare, and we'll give you a call and go over all your options. Free help! Ed@mygovexpert.com

@lillianvazquez6672 5 месяцев назад

I am a 100% disabled veteran and just got notified a few days ago that I would have to pay $174 for my part B. Nothing in my income has changed and I am no longer able to work due to getting an injury when I did try to go back. I appealed the decision within 5 days and was wondering if I could opt out? Also how would it affect my Part A. TN is my state. Thank you

@MyGovExpert 5 месяцев назад

If you want Part B, then there is a monthly premium. I think the veterans administration might make you sign up for Part B. But you'll have to check with them.

@nragan1000 8 месяцев назад

Plrase explain the penalty Q1. If i refuse part B at 65. And when I turn 66 then decide I want it. I would have to pay 10% penalty.. of what amount exactly ? $165x12 = $1980 10% = $198 I have to pay $198 Or $2178 (1980+198) ? Q2. And after I pay whichever amount I get to join from that point on at $165/month ?

@sustainablelife1st 8 месяцев назад

i was told: you pay the penalty amount going forward. 165*1.1 = 181.5/month. (not sure how the "per 12 month period you were eligible factors in).

@user-up6qp9fv9w Месяц назад

@@sustainablelife1stit is 10 percent for every year you did not sign up.

@alansach8437 Месяц назад

The reason you pay a penalty going forward is because you didn't pay into the pool, you just got insurance when you needed it. If everyone did that the system would go broke in a hurry! That's how insurance works. Healthy people pay for the sick. If only sick people get insurance it cannot work!

@jacque4697 14 дней назад

What about people who have a higher income and required to pay $590 per month? Seems that the system is unfair since it punishes people who worked hard and rewards those who didn’t.

@MyGovExpert 13 дней назад

So people that make below $100,000 don't work hard?

@jacque4697 13 дней назад

Some do some don’t. But people making higher income are giving up their time, effort, freedom to serve others. The Medicare system is communism like system. Communism which has been tried and failed. It only discourages people from working.

@janicelloyd3215 2 месяца назад

That’s an odd question. Do we really need an expensive medigaps ???

@MyGovExpert 2 месяца назад

If you can afford all the gaps of original Medicare, then no. But most people don't have an extra million $$ in the bank.

@ricardogarza3408 2 месяца назад

I'm 43 years old getting social security because I have cancer and I can not work. I was Just enrolled in medicare part a and part b. It cost me a $175 a month. Is there any way I could get On my fiance insurance from her current work place If they allow it? We are not married. I simply can barely live off The money that they give me and I can't afforded to be even shorted more each month. I was told at first I wouldn't have to pay for this now. I'm paying for this, is the reason why? Thanks in advance!

@marieandpreciousamazingani6114 27 дней назад

I have Blue Cross Blue Shield I do not want Medicare. Will I lose my Blue Cross Blue Shield?

@MyGovExpert 26 дней назад

Please join one of my FREE LIVE Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

@sammysliver 4 месяца назад

Hello. If I take Social Security before my Full Retirement Age of 67, am I required to sign up for Medicare Part B ? I'm a retired Federal employee and already have Health Insurance for life under the FEHB program. Say I start Social Security at 62.

@MyGovExpert 4 месяца назад

You are not required. Post Office recently made that a requirement...but most agencies not yet. So I would contact OPM to double check. Some people enroll in Medicare, others don't.

@DokBua0424 6 месяцев назад

Im newly awarded recipient for ssdi@37, and somehow im automatically enrolled. I have other primary coverage and im happy with what i have and can take that chunk of premium for groceries. Will i be penalized for that ?

@MyGovExpert 6 месяцев назад

If that other health insurance coverage is from your current work or your spouse's, then you don't have to enroll in Medicare. But if not, then you do. If you don't, you will be penalized for life! Give our Medicare team a call at: 855-313-3858 They will go over all your options and see if they can save you some money.

@SilkeLike 5 месяцев назад

Can you explain why there is a penalty for not signing up for Medicare at age 65?

@MyGovExpert 5 месяцев назад

It's an insurance program. So those that pay into the system and are not sick support those that are sick. Like car insurance.

@tonymanero5544 4 месяца назад

Because people can scam the system by not paying for Part B, then when they get a diagnosis that they have cancer, and want $200,000 of care, they enroll in Part B for $175 month and get the benefits without a prior condition exclusion. Real insurance companies won’t cover you for prior conditions but Medicare does cover.

@jeffschuler5659 3 месяца назад

@@MyGovExpert I think I understand now how this works...we pay into the ( collective ) based on mass trepidation creating the premiums of fear and loathing so as the ( system ) is self ruling to justify Its very existence. Better known as the " Vicious cycle ". Got It ....I bow out. It is sickening to pay for others that are.