Medicare Part B Excess Charges Are D**d 

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As a Medicare beneficiary for almost 13 years and a former medical professional for over 20, I am both impressed and appreciative of your knowledge and candor concerning Medicare supplements. Far too many so called "experts" neglect to discuss in detail the reality of being a Non-Par health care provider. Especially the fact they are so disincentivized to not participate that it makes little financial sense to do so. Besides the 5% reduction in the Medicare-approved amount, a Non-Par provider reduces his/her access to many patents who refuse to deal with excess charges and billing hassles. Where I live in Florida, there is such a high percentage of people over the age of 65 that the marketing downside of being Non-Par far outweighs any benefit of billing excess charges. Although you only skimmed over the negotiability aspect of excess charges, I think it is important to note that a very high percentage of the quickly becoming extinct, Non-Par providers, will quickly agree to accept the Medicare-approved amount as payment in full (rather than lose a patient) when asked to do so. Keep up the good work Matthew. You are the only authoritative source of Medicare information, on any social media platform that I have ever subscribed to. Thank you.

Thank you for the truth about excess charges. I don’t think it’s harsh showing videos that are sloppy in their information or worse are trying to get people to buy a certain plan through scare tactics.

My colon was re-sected in 2020. I checked first, and BOTH the doctor and hospital accepted Medicare Assignment. However, I was charged a fee for the robotic assistant to the doctor during the surgery (the assistant was a certified LSA). This was a complete surprise to me. I appealed the decision all the way to Novitas Solutions in PA., but was told "Medicare does not consider payment for assistant-at-surgery provided by a LSA." Thus, the fee was denied. So, after checking for Medicare Assignment for BOTH the doctor and hospital, I still had a fee to pay. The fee has been paid and, luckily, it was NOT an absorbanent amount. However, be careful when checking for Medicare Assignment. It may not cover all charges, regardless of what has been stated.

By the way, I've probably watched about 100 of these Medigap RU-vid videos and must compliment you that this video is the third most enlightening about Medigap (and Medicare). Why third? Your two videos on hidden Medigap risks, especially the checklist, were the most unique and helpful of any RU-vid video I've watched. And those compliments are coming from someone who is demanding and critical :)

Dude! You're really calling 'em out! Your numbers on excess charges jive with what I heard at a med supp carrier seminar last year. In their policyholder base, they said they see around 3%-4% claims come through with excess charges nationwide. In South Florida where I am, they said it was down in the 1%-2% range. Our med supp rates are among the highest in the nation, so for many, if they want to stay on original Medicare with a supp, Plan N is the only reasonable choice. Great presentation, thanks!

I've watched your videos, taken an AARP zoom class and took a series of 3 adult continuing education classes about Medicare. All of that information was almost identical. You explain things very clearly and easily. You are absolutely correct to point out misleading info. I had also seen videos from the other guy. Some of it was incorrect or misleading as well as difficult to understand.

THANK YOU MATTHEW AS ALWAYS!! I Love your informative videos but I LOVE YOUR STAFF EVEN MORE!! NICOLE answers and speaks to me as if shes really concerned about me and my needs, she really really makes my day and i Wish 1 day she will become a writer, Jordan takes good care of my description of insurance needs. its tuff when your new to this medicare transistion but your team really helps me and i am sooo glad i believed in your video (honestly i almost, almost called the other) IM tearing now knowing i didnt call them. as soon as Nicole answered my call i knew i called the right place!! we all have fears in this transistion, THANK YOU MATT FOR MAKING THINGS CLEAR!!!!!!!!!!!!!!!! Brian 808

As always, highly professional, spoken in easy to understand language. Your company is doing an amazing job for folks that are willing to listen to your excellent videos.

Thank you. Thank you. Thank you. I am a very honest medicare supplemental agent and I too get extremely frustrated at the particular person example you showed, as well as many others. It seems like they're used car sales men just twisting facts so that they can sell higher commissionable products. God bless you for all you do for our seniors. Keep up the good work!

To their credit the channel you commented on does a pretty good job identify the pros and cons of traditional Medicare vs Advantage. But I absolutely agree with you the risk of excess charges is greatly overhyped. The US health care system has too many moving parts and requires too much effort on the part of individuals to understand and make life altering decisions. Thanks for posting, looking forward to the next one.

I'm gaining more confidence in my Plan N supplement! Looking forward to more videos on this subject.

I've watched many of these. You are by far the best! Thank you specifically for showing the lies!

Wow! That other guy is giving me anxiety just by how he’s speaking... I’d never work with him in any capacity…. You can tell he’s a typical sleazy salesman - nervous, speaking fast and loud, playing fast and loose with the facts… Your energy, demeanor, and explanations always bring me peace… I can only imagine what a blessing it is for the seniors... Indeed, we should never make any decisions based on fear-mongering. Unfortunately, too many people exploit it… Love this myth-debunking approach for the video! People deserve to hear the truth. Very informative and super helpful, as always!! 👊💪👏

I really don't like people that use the scare tactic by not fully explaining details to seniors that are there for that person's expertise. Thank you Matthew for educating me on Medicare. I pass it on to everyone I meet that is looking into Medicare.

Your presentation was objective, professional, and respectful toward Medicare School (at least William H. Macy isn't doing Medicare Advantage videos). Another plus was your providing evidence to support your points; that has given me the idea to look with suspicion on any RU-vid presenter claiming facts and statistic and other than just his/her opinion on a issue. Strangely, I just came across your RU-vid channel late last night. For whatever reason, my RU-vid feeds kept giving me Medicare School presentations for weeks, if not months, and not yours. I don't know how the feed finally gave me one of your presentations. Honestly, that guy might be a really nice person coming from a good place, but for my likes, he is way too nervous, talks too fast, and his sports coats are distracting. I say that in contrast to you, who is much calmer, more confident, and dresses in a more subdued manner.

Thank you for the information on excess charges. The chiropractor is usually the one who has problems with Medicare since Medicare only pays for a problem like needing to get better after hip surgery along with physical therapy. But when the chiropractor only eventually does maintenance correction every 2 weeks or once a month, Medicare will not pay for this and that is really sad, since I have had chiropractic care my entire life because my spine is curved and my neck and back muscles get pulled and my spine gets out of alignment and if I did not take chiropractic maintenance for my spine, I would be crippled with nerve problems in a wheelchair probably.

Excellent video! I've been researching Medicare for over a year now. First, I found Marvin and watched many of his videos. Having nothing to compare him to, I thought he did a pretty good job of teaching the Medicare basics, although I found him kind of hyper. That's when I started looking elsewhere and found you. My first reaction was that your looks & demeanor are very much like my dad's were. Then hearing how you discuss Medicare reminds me of how I explain computers to people in my IT business - methodically & thoroughly, but relatable to others less knowledgeable. I look forward to seeing your videos, especially those on Plan N and its copays and excess charges. I aways learn something new. Today I learned that Mayo Clinic no longer collects excess charges. Thanks for doing these videos.

Matthew Class act. Thanks so much. I was leaning towards G this year with the concern of excess charges. You guys are GREAT!

I really appreciate this video and applaud your transparency, I wish your videos had shown up for me a month ago!

Excellent presentation. Too many salesman try to scare seniors into buying the Plan G or F, which just happen to be the most expensive.

I called that 'Medicare School' and the girl I spoke to was working from home. We were interrupted by her kids many times during the call. She kept getting off topic and talked about politics and religion. I was very put off by this unprofessionalism. I ended the call before my questions were answered.

Thank you for the very informative video! By the way, I am a patient at Mayo Clinic Arizona, and the billing department confirmed that they do not charge excess charges.

Yes, please call out misinformation . It is not harsh and we need factual/data based info. Thanks for providing the information to back up your presentation.

The other guy's presentations are exhausting, and I think that is the goal -- to wear you down to the point you that you know less than before watching the video. Your reference to the 1962 movie "The Music Man", starring Robert Preston, is a superb comparison to the other guy -- a fast-talking con artist. I'm relieved and happy that I found your videos before I turned 65 last January. You provide a fact-based product without drama or fear. You and your customer reps calmly walked me through the "Medicare Mine-Field" last year. At no time did you feel compelled to sneak up behind me and yell "BOO!" Once I made my final decisions, I felt a firm closure. I packed up my paperwork, turned off my Medicare worries, and rarely even think about it. Once I pay my deductibles and premiums, the medical bills are seamlessly paid. Keep doing what you're doing. This Phoenix customer appreciates you!

Mr. Claasen, I will be 65 in December. About a year ago I started watching videos on Medicare, so that I will be ready to make my choice when the time came. Actually, the first video on Medicare I watched was your video. I commented back then how your calm and infomative video impressed me. As time went by many other videos also started popping up. Of course I watched them to see what they had to say and yes, the man on your video was one of my favorites. Long story short, I will know now that I will be getting my Medicare insurance through your company!! My gut feeling back then was right... your the right person I can trust when it comes to my health insurance and for that matter my life!!

Thank you so much for this. You were not to harsh at all. If someone thinks that, they are a snowflake!! We all need this kind of info to make an informed decision.

ONCE AGAIN, I'VE LISTEDED TO THE EXPOSURE OF EXAGGERATION BY OTHER MEDICARE INSURANCE PROVIDERS. I LOVE YOU FOR YOUR CLEAR , BRIEF AND CONCISE EXPLAINATION REGARDING ANYTHING ASSICIATED WITH MEDICARE INSURANCE!!!!!

I want to thank you for the information you provide. I have been on Medicare since 2016. I am retired military, and retired federal civil service (I kept my federal Blue Cross/Blue Shield coverage). I feel blessed. No charges since retiring and I have had to have several major medical procedures. My Macular Degeneration is something that requires monthly medical attention (Not Cheap!). Watching your program though has really helped me understand the ins and outs of Medicare. Again thank you so much.

Thank you. I really like the tone of your presentation: only substantiated data, presented in calm professional manner. Question: are there any statistical data comparing rates of plans G and N premium increases (real or hypothetical) year over year?

You and your team are the best Matthew. My wife & I are very happy working with your team and you are a great leader. I passed FINRA 24 and held good supervisory positions in insurance for 4 decades

I have been searching for YEARS to learn if Medigap Plan N was vulnerable to excess charges in a hospital setting with no REAL answer. Thank you! Thank you!! Thank you!!!

Great video! On sooo many Medicare "You Tube" channels, the speaker talks too fast! You sir were easy to hear & understand, thanks!

Very good video. Yea, I viewed Mr. M's videos but he talks faster than I can think. You... I can understand. However, you failed to mention that in 8 states it is ILLEGAL to apply excess charges including Pennsylvania where I live. This makes Plan N a no brainer since the premium can be 30% less than Plan G. Plus the future premium increases to Plan G are projected to much higher than Plan N (because their is more seriously sick people in Plan G).

Really helpful was always going to plan G when helping a client. Plan N seems to be the plan of choice now.

Thank you for this information. I always look forward to your videos because I know I am going to get the straight facts with no bias.

Thank you Mathew for doing these videos. I have been fortunate to have you as my agent. You have really saved me money. And give me great advice! Thank you 🙏

Excellent video Matthew. It makes me feel a little better about my Plan N

Thank u so much for all u present to us to make informed decisions. Would you be able to comment on the advantages of a high deductible plan G, lower monthly premiums. The High deductible plan G appears to be a good choice for a person in good health and who takes care of themselves with no diabetes in their family history. Thank you so very much.

Having to go to ER a couple of times over the years on Advantage, staff had a snarky attitude. Ignored making me have to go away. I now wonder if it was my insurance? Oct 2023 an infection caused a bronchial branch pneumonia. Plugged they don’t let air through. Spent a week in the hospital, in December my Advantage plan declines the claim for not billing per their contract? Shouldn’t they pay the contracted amounts? Pneumonia is an acute condition,breathing treatments and antibiotics clear them up. A claim in October and I haven’t seen paperwork they paid. A few more days will begin 4th month the insurance has bankrolled the claim on the hospital’s account. No wonder they hate Advantage plans. Insurance is useless if they don’t pay claims. I hope they don’t start coming after me. When we sign financial responsibility it is an indemnity. I would think the medical system would report them to The Insurance Commissioner and government agencies. I’m on Medicare with a gap plan 2024. My heart aches what’s happening to us seniors. Anyone picking on our meek have lost their human soul.

A little harsh and extreme. I listened to Marvin say it is rare for the excess charge and that was good enough for me, move on, don't care if the stats are off. still good advice

Always pick the boring but honest agent😅

As usual, tanks for staying on top of this and keeping us informed!!

Where are Ambulatory Laws, in the laws of Medicare ???? How do we write up an assignment ???

Very helpful video that explains why patients don't need to be concerned about "excess charges" and why very few doctors are "non-participating providers."

Omg 😱 Matthew! I have been subscribed to your channel for about two years now and also have seen videos from that other channel. I recently, after watching a video from him, was on the fence about which company to choose and now, I'm no longer on the fence. Thanks for exposing those inconsistencies. Keep doing it. Absolutely know for sure I will be choosing your company to sign me up for Medicare when the time comes. Until then, I'll keep spreading the news about your company/channel.❤

😂I appreciate your honesty. These things need to be CALLED OUT BECAUSE SO MANY TIMES WE ARE TAKEN ADVANTAGE OF BECAUSE OF OUR SENIOR STATUS. THANK YOU! ❤🙏🙌.

I love that you’re doing this. The more information we have the better off we are. I get mine from you thank you!

Thank you so much for your information on excess charges because some of these yahoos make us think from their videos that a ton of doctors charge them when in reality they don’t. I couldn’t use you to purchase my plan N because of a contract my previous employer has with a different company (needed to use them to get some extra retiree benefits) but I love watching your videos and it really helped me to pick the correct plan for me.

Thank you for what you are doing in exposing other companies giving out misinformation on medicare. Good job!

What about airlift ambulance are they allowed to charge excess charges

What always bothers me in other's presentations is when they give the average price per month of a G plan, then off-handedly say "It could be a bit more." No, some states are a LOT more.

I love your videos and have an appt. with your company next week and am sold on Plan N. A friend of ours talked to some other agent who told her that "hidden" providers: the anesthetist, the radiologist, CT scans, etc., still typically charge excess charges. Very low excess charges really wouldn't matter to me. I still like Plan N. But is there even a shred of truth in what that agent told her? I am curious. (I don't really care about minor extra charges, I paid $7.60 to a radiologist once on our current BCBS employer plan - was that an excess charge? It was no big deal.)

I live in the NY meteropolitan area.With respect to the "all or none" rule you mentioned, I would like to say that Hospital for Special Surgery (HSS) is a top rated orthopedic hospital. I know for a fact that some surgeons there simply do no accept Medicare, but most do. How does this square with the all or none rule you mentioned ?

Best explanations ever... I work in medical billing... I process claims for an office that are 7 figures a month.. Advantage plans are a real chore and can be slow to pay (they work the float).. I have never come across a provider that exercised extra charges.. I am pretty happy that I came across your videos, many many people in the medical industry to not understand all this.. I would bet most offices do not understand the differences in Medicare/ Medicare advantage / supplemental.... add in the PPO and HMO? you just lost all but 2 or 3 people...

As usual, great content. Two years ago, your associate, Marcene, helped me move from a UHC Advantage Plan to a Medicare Supplement Plan N. She took lots of time to go over the underwriting questions and getting the policy issued. I've recommended your videos and you and your staff to half a dozen couples who turned 65 last year all of whom avoided the mistake I made (signing up for an Advantage Plan at 65) and went with a Supplement Plan from the get go. In yesterday's snail mail, I received the 2024 Annual Notice of Change for my Part D Plan. I look forward to linking to next week when you lik to your Part D Shopper as it is terrific. QUESTION: For someone turning 65 say in June, when should they contact you to start the process of buying a Medicare Supplement Plan? Is 90 days too early, too late, or just right?

Thank you. That other speaker constantly focuses on excess charges and scares people. Wants plan G purchased for a higher commission for himself. G not necessary for many especially in higher priced states. Hopefully more people will watch your video and learn his information is incorrect. Thanks. 👍🙋‍♀️

Excellent video keep up the good work.

Thank you so much for this informative an educational video. I understand it better now. Thanks for your sincere and honest video presentation.

I really appreciate calling out misinformation. I particularly like it when you can back up your claim of inaccuracies by offering proof via public documents that make it clear it's not just conflicting opinions. Sure helps when you're trying to figure out where trust in credibility should be placed. Thank you.

Can you speak on dental insurance for Plan F?

I have an advantage plan. I have Social Security which pays very little. I had Medicaid and was forced to change because I became eligible for Medicare. I’m 67 years old. I only get $552 a month. The only reason I’m not homeless is because I live in a rental apartment that is subsidized.

thank you for the info. I do not trust most of the doctors, 99.99% sadly. None of the doctors I would see do not accept Medicare so I am in the worst possible position. No difference from UK, Canada, and other countries socialize healthcare system. We are all mislead from the get-going, useless system, financially and quality speaking.

After watching your video i think i will ho with a n plan instead of a g plan.

Thank you so much for your videos as I am new as being a Medicare Agent and learning all this about Medicare at first was over-whelming even as part of the portion on getting my Life License. I have learned so much in the last few days watching your videos helping me to be more confident in moving forward with helping people with their medicare needs. Your information is stellar on how to help and inform others with truith. Thank you!!

Much more informative than many others I have listened to.

I’ve missed your presentations, Matthew. Showing another’s Medical presentation is helpful and the tone you converted appropriate. I’ve been with you a year now, and any doubts I may have had as an Advantage escapee (after 15 plus y ears) have gone.

Excellent video!!! THANK YOU!!!!

Great video Matthew! 👏🏻

Most informative was the clear explanation of excess charges.

I have been a Lyme disease patient for 20 years. The medical establishment, at least in California where i live, originally did not accept chronic Lyme disease as a legitimate disease even though the Social Security Admin gave me total disability for it. Most Lyme disease doctors did not accept Medicare at all and I could not afford to go to them, but the few who did accepted Medicare assignment. If not for Medicare assignment, I would have had no doctor to help me.

Once again you have knocked the cover off the ball!! As far as poker tells, I love them, however you are one man I would not want to play poker with not even on my best day. Need more videos Matthew, the Medicare Insurance world is a much better place with you in it. Thank You for calling these people out! There are some of us that enjoy the fact-finding statistics you know how to get, but we simply don't know how to retrieve them, i.e. who can we trust, please help us with that Matthew, Double Please. Be healthy and safe sir. 👌🙏👍

10:37

You are a breath of fresh air. Listening to the other guy makes my ears bleed! Thank you for videos like this.

can a facility charge an excess charge? MEDICARE OUTPATIENT COINSURANCE NOTICE (Off Campus Hospital Based Departments Only*) requires you to sign consent. Medicare has not heard of the form

BEST , BEST EXPLANATION EVER WITHOUT WAISTED USELESS TALK. i WANT TO CHANE AGENT NOT BUT i WANT TO BE FAIR WITH HER. ONCE AGAIN, i'VE NEVER UNDERSTOOD THE VARIOUS PLANS AS i'VE JUST HEARD. i SHALL ENDEAVOR TO HAVE ANYONE i KNOW T O LISTEN TO YOUR VIDEO.

Do you have an idea how much will Part B cost for 2024? TIA Is there a dental plan that is decent out there?

I've been researching these plans as I'm approaching 65... Your knowledge and matter of fact approach along with whatever "fits me best" has me confident, you'll be whom I'm working with when it's policy time...👍

If excess charges aren’t common , why is the premium from N to G about $60 a month or $720 per year….

6:47 Marvin also lied when he said that the Cleveland Clinic charges excess charges. Excess charges are not allowed in Ohio by law.

THANKS!! VERY GOOD CONFIRMATION!!

I feel a better question is how many MD's / specialists choose not to accept Medicare insurance.

Great information. I just got united healthcare gap plan and got the excess charge rider. Maybe I can change it?

Excellent video backed by real data. Truly appreciated.

I was VERY recently told by a local insurance agent that he believed that Part B Excess charges were likely to increase in the future. When I asked him for the source for this, he admitted he had no source but “Medicare was going broke” and that would likely force more doctors to charge excess fees. I am going to ask him more questions. My guy didn’t wear a houndstooth jacket, but at the moment I ***feel*** like Claassen is better informed and better prepared. I wish we had a healthcare system that wasn’t so Byzantine, but this is the world we created…

What are the medical questions asked when trying to sign up for plan G and N?

This was very good. Facts. One question: If N is 11% of supplemental plans sold and G is 66% then wouldn't G tend to have smaller rate increases because they have a larger pool of people vs plan N?

I'm on plan g now. Will my supplement from aetna let me change to plan n in 2024. I have pre-existing conditions.

Thank you for all the information you shared, means so much to stay informed.

Hello Matt, it was great to come across you website concerning Medicare and all that goes along with Medicare,

THIS Video was the BEST information on this subject...BY FAR!!!! THANK YOU SO VERY MUCH!!!

Never trust a guy with a full head of hair while in his 60’s

Are these "Reimbursement Medicare Brokers" legitimate? When I retired from a S&P 500 company, I was directed to VIA Benefits for my Medicare Choice if I wanted the "$125/mth Reimbursement" on my Part B premium. Of course... I did that. VIA Benefits "Focused" me into a Advantage Plan. Now I realize this may have been the wrong decision. What are my options now during the Upcoming Open Enrollment Period? Thanks

Excellent job Matthew! Keep them coming. 👍👍👍

Also.. I was Declined by "EviCore" for a CT Scan my Family Dr. prescribed for me under the Advantage Plan (Aetna) I enrolled in. Their reason for decline is I had to have a Heart Attack or have a Sign of a Heart attack happening! My Dr. knows my health... and he determined I needed to have this CT Scan... Yet was declined by EviCore/Aetna... only because I had to go on Medicare at age 65??! I NEVER had a DECLINED test Prescribed by my Dr. when on my Company Insurance Plan (Pre Retirement).... Thus me thinking I made a Mistake with the Advantage Plan I chose. Need Advice.

Very infomative, Thank You. I have a queastion off topic. Regarding IRMAAs. I will be retiring next yr, which means when I turn 65 my income will drop, safely below IRMAA Joint filers penalty range. However, since we have IRA funds that need to be migrated to ROTH accounts, an error could occur. If and when we appeal, and we expect to win, is the appeal good for two years? Or should I expect to have to re-appeal the following year. I figure it should be obvious that if I retire in 2024 both my 2021 and 2022 income would be higher. Or am I expecting too much from the goverment ;-(

Would it be expected to go through an underwriting when switching from Plan G to N? Thanks

You can tell a salesman is lying when he/she speaks rapidly and loudly, giving you no time to process the information.

I like my HDG plan for two reasons ($32 this year and $34) next year per month. I can easily afford the max out of pocket if services needed. And, most importantly, for the incentive to be healthy to avoid medical costs. When I was working my healthcare paid for all needed services with very low co-pays. My health was not good. My health is now good with two meals a day with only nutrient-rich foods and nonsynthetic supplements.

Thank you for you’re honesty. It’s hard to come by these days. Question for you that I’ve got two different answers on. Since I know I would not get through any kind of underwriting without being denied. I have CIDP and need IvIg treatment at leasI once a year , If I choose N first and maybe keep it 2 or 3 years than want to switch to G. Would that need underwriting ? From conversions with agents it seems to me that staying with G, it’s OK to switch insurance carriers within the G supplement without underwriting but can’t switch from N to G or vice versa without getting the underwriting. I would never get through the underwriting without getting denied. N sounds great to me, but if I’m definitely getting locked in to the choice I make, G seems the way to go for me, but damn, N is about $30 cheaper per month and I try to avoid Dr’s like the plague. Thank you, sorry for the long post