Medicare Advantage vs Medicare Supplement Plans (Updated Review and Important Tips) 

You are so welcome! Call me anytime for free assistance. 888-465-9728.

I did the same. The presentation looked an invasion plan. All I got out of it was a headache.

@@weirdshibainu 😆😅

Christine Did you mean Medicare Advantage will deny every claim making a senior go through hoops? Or, Medigap making seniors jump through hoops to sign up after the initial underwriting grace period?

I'm pretty sure you can always go back to Original Medicare (Parts A & B), but you may not be able to pass underwriting for a Med Supplement policy. You should call Medicare and ask them this question specifically- as that's what they told me. *You'd have to elect to return to Original Medicare during the Annual Election Period which starts Oct. 15th I believe....I'm a newly licensed insurance agent myself & learning everything I can about Medicare right now! I hope this helps :)

Thank you so much for taking the time to leave this feedback! I am so glad the videos have helped you. Please call us anytime (888) 465-9728 :-)

Please interview your physician and hospital billers. They know more than anyone which carriers pay and which screw over you and your providers.

Thank you!

How much do Medicare Advantage plans receive from the government? How Much Does the Government Pay Medicare Advantage Plans? The federal government pays out over $1,000 each month for each enrollment for every individual. $1,000 is a substantial amount when considering the number of enrollees they see, and bonus payments received through the bonus system.Sep 21, 2021 What makes me so mad is that most Social Security do not receive a $1,000. dollars for a monthly payment. So no wonder all of those commercials trying to sign people up from the insurance companies. Talk about corrupt and the draining of Social security/Medicare so it will fail. Get off paying the insurance our money at a fat profit.

Wow, thank you!

Call us with questions at any time!

I am finding the same thig. In talking to friends who are on Medicare if you don't agree to do exactly the same thig as they did, they actually get mad. Do your own research and a cost/benefit analysis of how you will use Medicare and your own health history.

Smile 😊 Hello 👋 Vera... How are you doing today? And happy 😀 weekend to you over there 🤗

Absolutely!

Thanks for the sage adviise. You are Informed and trust worthy. ^5

Smile 😊 Hello 👋 Jamie.. How are you doing today? And happy 😀 weekend to you over there 🤗

Thank you so much for that compliment!

@@AbtInsuranceAgency We have a Medica Advantage plan and it covered my husband's shoulder surgery. He didn't pay more than a couple hundred dollars.

Gary I’m so grateful to have you as a client! 🙂

Very Good. Thanks

The fact that they go via zip code means people get the crap end of the deal. How much do Medicare Advantage plans receive from the government? How Much Does the Government Pay Medicare Advantage Plans? The federal government pays out over $1,000 each month for each enrollment for every individual. $1,000 is a substantial amount when considering the number of enrollees they see, and bonus payments received through the bonus system.Sep 21, 2021 What makes me so mad is that most Social Security do not receive a $1,000. dollars for a monthly payment. So no wonder all of those commercials trying to sign people up from the insurance companies. Talk about corrupt and the draining of Social security/Medicare so it will fail. Get off paying the insurance our money at a fat profit.

Thank you so much for this compliment! And thanks for watching 😊

Ditto ! This helped me a lot. Thanks.

Every person in the insurance industry belongs in prison.

@@jamescarrington5130 wow, that’s a bold statement

I absolutely agree. Thank you so much!

I am in same VA boat as you albeit I will turn 65 in November 2023, some issues I see are make sure you register for Tricare For Life (TFL)? I will probably do Medicare A/B and idk maybe D for added ease of using a local pharmacy. I doubt I will do Advantage and assume the $7,550.00 out of pocket risk annually. Eye, hearing, and dental I will do out of my own pocket.

How much do Medicare Advantage plans receive from the government? How Much Does the Government Pay Medicare Advantage Plans? The federal government pays out over $1,000 each month for each enrollment for every individual. $1,000 is a substantial amount when considering the number of enrollees they see, and bonus payments received through the bonus system.Sep 21, 2021 What makes me so mad is that most Social Security do not receive a $1,000. dollars for a monthly payment. So no wonder all of those commercials trying to sign people up from the insurance companies. Talk about corrupt and the draining of Social security/Medicare so it will fail. Get off paying the insurance our money at a fat profit.

No advice

So glad you found this helpful! Please give us a call anytime for assistance!

Hi Richard, I am a licensed agent and sell lots of Supplement. One thing that might help you on your premium is to try to switch to Plan G. The only difference in Plan F and Plan G is plan F pays your part b Deductible and G doesn't. Typically F is about $330 more a year than G, so by going to G and paying the Part B Deductible you could save over $100 a year.

Thank you, that means a lot!

I'm working in Medicare call center in pakistan and we are direct dealing with US citizens. But I want to start own my call center but I want loyal US license agent, we both can get good earning. Any one can contact me.

Thank you for that compliment, it means a lot! That's exactly what I aim to do.

Kaiser has the best healthcare delivery model, but really only works in high population metro areas due to the need for economies of scale. They are the highest rated insurer in every market they are in. I have them here in GA.

We live in Washington, and have had Kaiser for the last 5 years, they’ve taken good care of us. Trying to figure out if we want to go with an advantage plan with them, from all we’ve heard from our friends that’s not the way to go ( With an advantage plan no friend has Kaiser) at this point we’ve been away from our family doctor we’ve had for over 20 years now I and I am not sure if he’d take us back. Good to hear something good about Keizer ❤️

Thanks William! Let me know if we can ever be of assistance 🙂

It can be one of the most confusing parts! Please call us anytime for free assistance. 888-465-9728.

We work very hard to be as unbiased as possible with the information we provide. Thanks for watching!

That part D penalty blew my mind. Totally crazy to pay a penalty to drug companies or government for the rest of my life. Obviously "payoff" to someone.

Thank you Gillian 🙏🏼

That’s what we can help with! Free service. 888-465-9728 😊

We look forward to speaking with you!

When you add Part B, your Medicare Supplement Open enrollment period lasts up to 6 months after your Part B effective date.

Great point!

I have an F plan, which was the N + more of its day. Ever since the F was closed, I get mail almost every month from these nefarious agents , including my F Plan provider, touting the benefits of a cheaper Advantage plan. I guess they think we seniors lose our faculties as we age, and they hope we will have a senior moment and sign onto their new plans. Anyways, I can spot these mailings now so I just trash them unread. My F Plan is expensive, but am happy to pay forward for the unknown which will inevitably come.

@@ashenaura exactly my friend. Live and learn applies! Thanks for your reply!

@@ashenaura Thank you for sharing this information..🙏

How much do Medicare Advantage plans receive from the government? How Much Does the Government Pay Medicare Advantage Plans? The federal government pays out over $1,000 each month for each enrollment for every individual. $1,000 is a substantial amount when considering the number of enrollees they see, and bonus payments received through the bonus system.Sep 21, 2021 What makes me so mad is that most Social Security do not receive a $1,000. dollars for a monthly payment. So no wonder all of those commercials trying to sign people up from the insurance companies. Talk about corrupt and the draining of Social security/Medicare so it will fail. Get off paying the insurance our money at a fat profit.

My pleasure! ☺

Very excellent points!

How much do Medicare Advantage plans receive from the government? How Much Does the Government Pay Medicare Advantage Plans? The federal government pays out over $1,000 each month for each enrollment for every individual. $1,000 is a substantial amount when considering the number of enrollees they see, and bonus payments received through the bonus system.Sep 21, 2021 What makes me so mad is that most Social Security do not receive a $1,000. dollars for a monthly payment. So no wonder all of those commercials trying to sign people up from the insurance companies. Talk about corrupt and the draining of Social security/Medicare so it will fail. Get off paying the insurance our money at a fat profit.

Florida has Moop at $1500 with Part B give back - and for those on Medicaid what ?

Thank you Roger. You hit the nail on the head for me. I'm 66, already enrolled in A & B and could not make up my mind between supplemental and advantage. Your explanation made it clear I need supplemental. I wish I could buy you a drink or cook you a steak. Thank you friend for taking the time and effort to help us out.

@@carolinacoins My pleasure. Glad I could help. Hope health insurance is the biggest waste of money in your life 🙂

How much do Medicare Advantage plans receive from the government? How Much Does the Government Pay Medicare Advantage Plans? The federal government pays out over $1,000 each month for each enrollment for every individual. $1,000 is a substantial amount when considering the number of enrollees they see, and bonus payments received through the bonus system.Sep 21, 2021 What makes me so mad is that most Social Security do not receive a $1,000. dollars for a monthly payment. So no wonder all of those commercials trying to sign people up from the insurance companies. Talk about corrupt and the draining of Social security/Medicare so it will fail. Get off paying the insurance our money at a fat profit.

bellagirl girl : you have described very accurately the problems in navigating the ocean of medical insurance in retirement. I retired at age 69, April 2021, after a lifetime of entry level office work, with a high school diploma, and "some" college. I find it cruelly ironic that just when I'm plagued with memory and mild cognitive impairment issues, and figuring out how to live on half my former income, I'm expected to launch a new career in researching and choosing an adequate and affordable health insurance plan. No, make that SIX plans: A,B, C(Advantage), Rx D, G, and N! Hours and hours spent with little improvement in understanding, and tapioca for brains. Years before I retired, I used to listen to my 70 y/o friend in Arizona telling about all the runaround she got trying to get medical care and pay bills. I made polite listening noises while trying to understand, but I kept thinking I didn't really need to understand YET, because the rules would probably change by the time I retired, and I could just READ about it, and it would all be clear. (I was so naive at 65!) At 70, now, I'm beginning to think I may have it figured out before I die, so there is hope! Your point about doctors being able to refuse Medicare patients reminded me of one experience my Arizona friend had. She went to North Carolina to visit relatives, and developed problems with an old surgical site. She asked her long-time favorite doctor, to send copies of her medical records to the east coast doctor. When she returned to Arizona and wanted a follow-up visit with her "favorite doctor", she was informed that she was no longer a patient there because she had asked for her medical records to be sent to another doctor, and her doctor wasn't accepting any new patients! She was heartbroken, and in shock, but savvy enough to figure it was just an underhanded way to get rid of Medicare patients. There should have been a warning in fine print about the consequences of requesting medical records to be sent to another doctor, but in writing it might have been law suit fodder; definitely unscrupulous and unethical. I've said before, can't someone write a software program where your pertinent data could be entered and an up-to-date optimal Medicare choice would be calculated from all the entities and policies out there? No, gaming software is such more profitable, I'm sure. Oh, well. I'm still fairly confident I'll understand it all before I die, just hope l don't die trying!

@@varonadee6980 Thanks for your message. Agree with all you say. It's pretty bad that you get "kicked off the bus" (so to speak) just bc you turn 65.

@@varonadee6980 Totally agree. Always worked clerical jobs struggling to maintain survival. Now find I cannot afford MC supplement premiums. Find it hard to believe MC is for the people's medical care rather than enriching insurance co. But then I guess I am naive. Inflation & rising cost of part B has painfully altered my meager budget.

@@keilana6 They say 'Misery loves company', but I don't feel especially cheered knowing we share the same financial struggles and disillusionment in retirement. I had a friend at work who took care of both her parents before they died, and she loved to talk about her father's indomitable sense of humor as he said to her, "Daughter, these are not your Golden Years." Yet in spite of having lived at the 'lower working-class' level since I was born, I've had a much more comfortable lifestyle than my parents had. My dad worked shirtless at construction jobs in the Florida heat, sweating like a racehorse, 14-hour days, with frequent migraines, no medical insurance, and spending his annual 2-week vacations working on house and car repairs. I, on the other hand, always worked in a comfortable indoor environment, and could always find an affordable apartment on minimum wage jobs, (something people can't do anymore). The last job I had, 17 years as night clerk in medical records at the local hospital, I STARTED at minimum wage, and, ironically, with such meager 'raises', by the time I retired, and they had raised the minimum wage, I ENDED my career making only a dollar more than minimum wage, after 17 years, at a hospital! But I've always practiced frugality, self-denial, and delayed gratification, feeling lucky to live near a wooded area where I can escape into beauty every day, for long walks. I'm 70 now, and I look at my neighbors' four kids, ages 3 to 8, and sadly think they will not have lives as charmed as I feel mine has been.

Looking forward to it!

I agree that Medigap plus Original Medicare is the best way to go, but that is generally an option for those in middle to upper income -- folks usually with multiple retirement income streams, not just Social Security. It is not an option at all for folks under 65 on SSDI/Medicare. I mostly serve the disabled and low income retirement community. Even $150 a month for a Plan N plus a Part D plan is unrealistic for most folks. That is the difference between having enough to eat and their power bill being paid and that's just the way it is. As for MA being just for the healthy, that has basis in reality. I have hundreds disabled clients clients on MA (99% in PPOs), folks with serious chronic conditions, and they never have any problems getting any and all the care they need.

So important to remember. Thank you for sharing.

@@AbtInsuranceAgency Really it's no problem if you're fortunate to have amassed extra thousands in bank. Need a truly citizen oriented system with equitable health care for all.

Please give us a call anytime at (888) 465-9728. I will take notes on some future video topics as well :-)

@@AbtInsuranceAgency Yes madam sure my name is Adam and i will call you regarding this topic madam and I am working in a billing office madam and Thankyou so much for your kind reply.

@Jo Huckaby Unknown I pay $148.89 a month in Missouri for Plan G through Anthem

@Jo Huckaby Unknown I'm paying Blue Cross in Florida $188 for G.

I love plan G! Easy to understand. Plan G is what my clients chose…well, one out of three I offer…

Thank you!!

Thanks for watching Mary! 😊

We will continue to work hard to make our videos as simple and accurate as possible!

Hello 👋 Helene m.. How are you doing today? And happy 😀 weekend to you over there 🤗

Don’t tease us like that Helene. Tell us what city and state you live in! Thanks

@@kevincolvin5205 Pennsylvania.

Wow!. You live in a good place.

@@keilana6 This is available to all Medicare recipients.