Should you get Medicare Plan N? 

As a sales person, these are helpful videos for me to learn these plans. I just started with Medicare in June and there is a lot of information to learn.

Thank you for your advice Stephanie. I recently switched from G to N, and acquired more confidence in doing so, after watching your videos. In my plan N, I would have to pay copays for 21 yearly office visits, before I broke even with the expenses of Plan G. I'm willing to bet I won't reach that number, and maybe no where near it. Other than that issue, would be the copay for the Emergency Room, unless admitted to the hospital. I'll take my chances on that rare event also, and if I can I will use an Urgent Care Facility instead, which would not have a copay with Plan N.

Thank you for the great info, Stephanie. Your presentation is impressive and your performance is flawless.

Stephanie, thank you for the information regarding plan N. I love watching your videos. So informative!

Your videos are awesome! They have been so informative and helpful to me! You are very concise, straight forward, calm and even talk at a 'normal' speed for us older folks! I have an HRA, so I have to buy through them. However, I will definitely recommend your videos to my friends! Thanks again!🙂

After educating myself by watching many of your videos I opted to choose an N plan. The initial cost was around $35 a month less than a G plan and I will happily pay the $20 co-pays or the $50 emergency room co-pay. I am expecting the price increases on the N plan to be less than what people will be paying on the G. All in all I will be saving $400 a month from what I was paying in the open market. To top it off the company I am purchasing my end plan from will pay my gym membership which will save me an additional $30 a month. Thanks for all your great videos.

Thanks for another great educational video. I recently switched from G to N, and acquired more confidence in doing so, after watching your videos. In my plan N.I'm willing to bet I won't reach that number, and maybe no where near it. Other than that issue, would be the copay for the Emergency Room, unless admitted to the hospital. I'll take my chances on that rare event also, and if I can I will use an Urgent Care Facility instead, which would not have a copay with Plan N. Abt Insurance Agency

Stephanie, Your videos are very informative and have helped me greatly. Thanks for posting all this information. BTW..you have a pretty smile !

You are so thorough and easy to follow. --- rare on YT.

Very clear explanation and good honest advice. Thanks

I am thrilled with my new '22 plan N. I go to the Dr as seldom as possible.

I watch this video and it help me to decide that this is what I would go with U and your staff were Great to work with thanks I will recommend you .your the Best

Thank you for your videos. They are always the best!

You are truly the most targeted and professional video presentations!! I was just thinking if N could be a value versus G. WAIT!!! Fear and Uncertainty is my entire motivation!!! You bad girl!!! hehehe. aren't these two things the basis of all insurance? I fear medical bankruptcy or losing all my assets bc of an appendicitis when I am 77. My beloved friend went to the hospital 3 times: each time was Hundreds of thousands in costs!! He is just a regular guy: Gall Bladder, fell inquired his head and a non-heart attack heart procedure. Any one of those would have wiped him out even though he is a successful businessman!!

Ok, I need all of your constructive criticism and input - leave it in the comments below! 😊

Excellent video Stephanie!!

Thanks for another great educational video. I switched to Plan N from Plan G and saved $35 a month. Underwriting is not difficult to pass unless you have a serious illness. People are often confused over the "UP TO $20 copay." The $20 is a cap not a flat rate. It only applies to CPT codes for "office visits or evaluation and management visits." Since 99% of doctors accept Medicare Assignment, Medicare pays 80% and you are responsible for 20%. If your office visit has a CPT code for evaluation and management and the Medicare approved amount is under $100 the 20% is your copay. Example, you go to your doctor for some illness. Your doctor bills Medicare for $250 but the Medicare approved amount is $80. Your copay is $80 X .20 = $16.00. So if the Medicare approved amount for an office visit is over $100 your copay is capped at $20. Plan N pays the difference. So in the example Plan N means you pay the $16 to save money off a Plan G premium. Since Plan G would have paid that $16 for you at the cost of increased monlthy premiums. IF you go to the doctor many times a month then Plan N may not save you any money. You need to evaluate this. NOTE: Online, telephone, or telehealth services DO NOT constitute "office visits" for purposes of determining whether a Plan N subscriber is subject to the Part B coinsurance or copayment of up to $20. There is an official CMS document on Plan N copays. Search for "Revised Questions and Answers Regarding Implementation of Medicare Supplement Plan N Copayment, Deductible and Coinsurance" to find it. The document is dated April 22, 2010.

Thanks again, Stephanie!

I was on an Advantage plan on my initial enrollment and after only 3 months I realized I didn't like the restrictions and confinement of having to be in-network. So I just switched over to the N plan ($159 mthly), which will start in Jan while I'm still on my initial enrollment. I don't go to the doctor much so I don't mind a co-pay.

I have plan N and find it works best for me. I do buy dental and eye insurance but the cost are small enough for me to afford. I tried an advantage plan I was not happy and went back to N. I appreciate you for explaining this to us. I am not selling anything but I use UHC.😊

You are the only person to make sense of medicare

Clear and concise👍👍

Well done. Thank you.

Thank you for your videos. Your explanations are very easy to understand!

Can you please do a video on how many people are each plan? For example, 10% of all Medicare patients are on Plan F, 40% are on Plan G, 30 % are on Plan N, etc......I'd like to see s graph at where most enrollees are...

Thank you for your such an informative video!

We are happy with Plan G for several reasons and think the carrier you choose is probably just as important as future predictions about MACRA and GI. If we do see the inordinate increases, then we may change. If we are too sick to qualify by then, we will probably be very happy to have Plan G and no copays. But some of the hype by other YT brokers could just possibly be a tactic to sell more policies. Just my opinion.

Plan N works for me. Good info. (microphone turned on at 3:50:)

Nice job 👍🏻

Love Your Presentations! I need to review my Humana Plan The monthly premiums are getting higher when I only use for a annual Test and a 6 month visit

One of the most important aspects of Plan G that will negatively impact premiums is the guarantee issue. More people with serious health problems can go into G, driving the cost of premiums up as insurance companies try to protect their profit margins. Guarantee issue is not available in Plan N so premium increases are more reasonable and predictable.

in this video, we consider the hypothetical of Excess Charges from being unconscious and rushed to care. Surely there is an appeal process or the like? Or simply negotiate it like anything else. Medical bills in collections typically settle out at 10% (though I try for less!! - 5%? Too much!! haha) I'm in CA- It appears as long as I can stay conscious, the savings of the N plan, compared to G, might work for me.

I am so glad to have discovered your video in You Tube. All your presentations are so clear and easy to understand. Thank you so much. Since the enrollment period will start again soon, will you be presenting some videos regarding the medical supplemental insurance plans? I am on plan N now, if I want to switch to Plan G for 2022, do I need to go through medical underwriting? Thanks again for the informative and educational videos . I will certainly keep watching your upcoming video, if any and will also introduce to my friends.

What are the medical qualification list of question asked when switch plans

What kind of dental coverage ? Which plan is best for dental coverage for implants and crowns ❤️ and ✝️🛐 s

Thank you needs in April 22

INSURANCE is designed to mitigate future significant RISK. These folks saying they need to save $300/yr by going with N because "they arent going to the dr. that much" or "only 10% of doctors bill eccess charges" are very shortsighted looking into the future when costs could EASILY increase significantly and LOTS of drs make "excess charges". And when you are in the hospital for ANYTHING do you really start inquiring about which dr charges more or less? Of course not. $300/yr is less than a DOLLAR a day.......its called "peace of mind".

I heard that in the State of Nevada, one already on Medicare could make a change but only in your birthday month.

I have Blue Cross and Blue Shield sapphire is that plan N

Great information! My question about Plan N (and applies to other options as well) is: when Plan N (after deductible, copayments, etc) covers hospitalization expenses "for up to a year", does that mean 365 days total lifetime or up to 365 days per calendar year? Thanks!

Thanks a lot for your sincere advice and awareness about Medicare and medigap plans. I hear your vedios and even forward to my friends. My question today is ,can I have an yearly physical done with Medicare and medigap plan N? I became Medicare eligible only from June 2021. I live in Philadelphia

Could you do a video for people eligible for Medicare via being on SSDI (starting after the two year waiting period)? As I understand it, situation can be complicated as far as availability & cost of Medigap plans.

Thank you once again for the information I live in Oklahoma and I had quite a few things in the last year and a half I have plan N ,. I had a problem with nosebleeds I had colonoscopy and other things and A dermatologist visit and every single doctor and every single nurse practitioner that saw me which combined total was probably about 20 visits, 20 times I had 20 bills for the office visits between $12.00and $20.00 Every single doctor and nurse practitioner charged me that I saw in the last year and a half for an office visit charge me for a copay is that normal? Thanks for getting back to me

What is plan in in the state of MN?

Are monthly infusions covered by Plan B or Plan D? In another words, are infusions considered prescription or medical care?

This Supplement plan is for Part A/B, I get that. But what about Medicare Part D? Is there a supplement plan for that, or is Part D complete? We are completely new to Medicare and confused by all the options. Thanks.

Can you go over all of the plans A thru Z?

Can you change plans and companies? I.E. Plan F at AARP to plan N with another MediGap company?

Is Plan N the best plan for someone who is generally healthy? Up until now (almost age 65) I've had no major medical issues and use no medications. Also, regarding Part D for someone who isn't currently on any drugs, do you suggest simply picking the least expensive Part D choice available?

Hi, what about plan D is a good choice vs plan N? Thanks.

great info..but please know it's 'excess' charges not 'access' charges for clarification

How do I see if I can get plan G or N I live in Michigan in Shiawassee cty. Antrim Twsp. I am 71 I had Plan F at first but dropped because of price increases thru AARP United Insurance. Can you help me?

I know AEP is for advantage plans. My question is, during AEP, is there less health questions on medigap policies? Or are they underwritten the exact same way they would be any other time of the year except their one time guaranteed issue frame?

Hi. Writing from Orange County, CA, and I do not use tobacco products. Just wanted to point out that this week I was quoted $116 for Plan G, $130 for Plan G Extra, and $143 for Plan N, all for a 1/1/22 start date. How does this even make sense? It doesn't line up with your vid, or even several others I've watched. All quoted from Blue Shield, California. I believe these prices include a $25 new to Medicare discount, so next year it would be $141 for the same policy. Plan N doesn't appear to have a "New to Medicare" first year discount.

I’m turning 65 and thanks for your explanation about Plan N which is perfect for my current health condition. My question is can I switch to plan G later as I may see a doctor more in a year? Thanks.

Do I need to get all my letter plans right away, like "D", or can I wait? Also, if I get the N plan, can I then switch or drop it at annual enrollment? Thanks!

Is Medicare supplement plan n plus wellness worth it and can you switch from plan N plus wellness back to just plan N without underwriting

Who are your favorite Medigap companies? And what is your opinion in AARP United Health Care?

I have plan N and every time I ask if a doctor accepts Medicare assignment I am told yes. Then I always get balanced billed for excess charges. Every single doctor I have ever been to!!

Thank you for explaining plan N. We have been seeing many doctors and chiropractors who now requires your payment up front and will give you a receipt to submit in yourself. It that legal and how would plan N reimburse you from that type of thing?

Why did New York have ** regarding excess charges? Also, are New York Medigap plans the most expensive in the counry?

Re: Excess Charges. Although a doctor that doesn't accept assignment for a service can charge "15% more" than the Medicare "approved amount", isn't it the case that the Medicare "approved amount" when not accepting assignment is only 95% of the "approved amount" for a doctor that _does_ accept assignment for that service -- to some extent effectively reducing the "excess charge" that the patient must pay to 9.25% of what a participating provider could have charged Medicare for. Re: Copays on N. Isn't the copay the _minimum_ of $20 or 20% of the Medicare approved amount (i.e., the part not paid by Medicare even without a supplemental plan)? While at "chargemaster rates", it would be pretty rare for the $20 not to be the result, given that Medicare fee schedules are typically well below "chargemaster rates", the lower 20% limit may apply sometimes.

Does anyone know where the love of God goes when insurance agents turn the minutes into hours?

Is there a site where we can see the sustainability rates of insurance companies in relation to their history of raising plan prices?

The trouble is that way too often a referral is to a medical provider that does bill excess charges. My example was, I was referred to a cardiologist …I checked him out and knew he would not bill excessive charges….but, the heart monitor I got was monitored by an organization I knew nothing about. The bill was for $1500 just from them. I cannot see how I could have checked them out a head of time….and even if I could, would I say to the cardiologist “no, you have to change where you get this service from”.

I had supplementary, for drs it is customary to charge extra. They say they take medicare but never med assignment.

If I have Plan N - What happens if someone sees a doctor who doesn’t participate/accept Medicare and also therefore, doesn’t accept Medicare assignment? If that doctor charges $500 for an office visit, would I be responsible for the entire $500 or 15% of what Medicare “allows/assignment” (ie, $75)? Thank you and thank you for informative, well-explained videos?

Is Aetna plan g or n a good company. Is their customer service good. Thank you !

Why does it costs so much in California???? What's going on with Anthem that they are not authorizing standard procedures and are being looked at Like CIGNA was. CIGNA and eventually sanctioned by closed by the federal government.. How do Southern Californian's save money. I can't afford $500 extra a month. Currently have Medi-Medi. Need a different secondary.

Does Medicare supplemental plan n covered in New Jersey?

Stephanie, your videos are very informative andI have some questions pertaining to medicare and VA Healthcare. I am a veteran and receive my care through the VA. I know I have to sign up for Part A (next month) and I have been advised to sign up for Part B in the event that things change at the government level and VA Healthcare gets cut back. My vision care is handled through the VA and my basic healthcare is received there too. I do not receive dental or hearing care as I am in Group 8, non combat status. Would you recommend Part G over N for me or N over G? I know there is a High Deductible N that would save me money but it has a $2700 yearly deductible. I only see my primary care doctor twice a year and I see one specialist. They are $15 and $50 respectively and my prescriptions are through the VA also. So I will not need Part D as I get a better deal now. So, my question is, would I benefit from taking the High Deductible G or the regular G or N? Your help would be greatly appreciated as I am kind of lost in the maze. Thank you.

Hi Stephanie. I'm 64 yrs and 4 months of age. No health issues at all. Very healthy man. I want to retire early. Maybe age 65 and 6 months. My bday is July 3rd 1957. I'm so confused by it all. Plan N seems like a good option for me as a healthy person. What do I need to do to start Medicare and add a medigap plan?

You stated plan N has no guaranteed issue rights. Does that include people in their initial enrollment period when turning 65?

Thank you for your clear teachings. Once you mentioned a plan D penalty of 1% it reminded me of the 10% penalty, for each 12 months without Plan B. Are there similar penalties for plans N & G? Because of your previous videos, I getting B & D, but want to wait on N...if there’s no penalty.

I was recently diagnosed for breast cancer, early stage, had mastectomy, no chemo nor radiation required, on oral estrogen blocker one pill a day for five years. Will I be disqualified for Plan N because of this "pre-existing" condition?

I'm 68 years old. I'm completely, and extremely confused about all this. I don't know what to do.

If you sign up for say a N Plan, do you have the opportunity to change to say a G high Deductible or other Medigap?

To switch from Plan G to Plan N would I need underwriting?

With Plan G being guaranteed issue, does that mean you can start off electing Plan N and if you find yourself becoming unhealthy and frequently going to doctors (with $20 copays), switch over at a later date to a Plan G WITHOUT underwriting? (If so, I can't see why anyone wouldn't start with Plan N if you can always make the switchover later to Plan G).

Thinking about getting an N plan but I’m a little concerned about this company’s population size, annual rate increases and the lack of a track record for the insurance company that I am interested in. The premium is starting at a reasonable $88/month but I’m concerned about big increases over the next several years. Is this a “Teaser” rate to get people to sign up with them??? It has only started dealing with Medicare for about one year. It has an excellent A++ rating, and solid backing but no history to examine. In your estimation what are the most important factors to consider when deciding on a particular insurance company? Your thoughts please.

are you licensed in florida

Is it possible to switch from Plan K or L to Plan N or G ?

Do I need part D with N and G?

Does this new plan G cover sleep test in a facility and supplies. I have plan F that plan seems to cover everything but you don’t mention that plan. Can you tell me why.

N G F YOu taught me G was for copays for visits don't get N and F and sign up period work i am retiring at 66 and 4mo. How do find what SS says that day is so thats 12/24/21 how do tell sign up periods? how ccould this get any more complicated. i a still working

I have plan N and regular Medicare and my agent said I can't do G because we signed up 3 months before 2020 is that correct ? Is there a date issue here ?

Hi Stephanie. Are you licensed in Missouri?

Can I switch to G to N anytime or only open enrollment? I’m in Utah

Any thoughts about Plan G HD vs Plan N future pricing? Common opinion is that Plan G pricing could outpace Plan N, since the insured shares more of the cost in Plan N, and the pool of Plan G insured could be cost more overall. Plan G HD also shares more of the cost with the insured too, so will this keep Plan G HD cheaper in the long-term vs Plan N? I know this is anyone's guess, just asking.

I thought the part b deductible is 148.50?

Mam i want to work with you directly. Is this possible ?

It’s my understanding that most doctors do not charge excess. Medicare has two contract doctors can choose from. The excess contract only nets them about 5% over the standard contract. Ultimately, it’s not worth losing customers over 5%.

If plan G is only 26.00 to 35.00 more then plan N , wouldn’t one co pay from plan N make plan G the better plan ?

I’m be retiring March 14, 2022 when I turn 65, I’m need your help

How much is the plan N?

Are you and your team Fiduciaries?

I wonder what percentage of Doctors in this country take Medicare---seems that many doctors in my area do not like or accept Medicare. They prefer Medicare part C plans

Anthem is the best

what dental plan do you recommend to add to Medicare?

I am 88 and want to know if you can sell me a supp. Plan?