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And you are a liar. Why do you like to get us senior citizens all worked up thinking we are getting help with our ability to keep food on our table? It’s very cruel and shameful that you people have such disregard for the elderly, but just remember this, if by the grace of God you live to get old, you may be one of those elderly people that needs help and what goes around comes around, what do your parents think about how you treat people with lies and false promises? Shame on you and all of your colleagues in crime against the elderly 😡

Thank you for this wonderful overview!

Is there a maximum out of pocket limit for part N co-pays? Are there co-pays for lab tests, scans or outpatient procedures with part N?

Where can we find the spreadsheet on standard and enhanced plans by state that you mention in your video? Thanks.

It should be against the law to penalize people for not buying insurance of any kind. It a racket by the evil government.

A very good video. A lot of useful information. The only thing missing is some discussion on the sneaky practice of "closed books of business", that some insurance companies routinely employ.

You wrote: "We would of course recommend looking at Plan G or Plan N instead of Plan F." Why? I can't find anything about that on your video.

With Giardini's help, my husband and I went with a Medigap G plan. We started it Jan 2023 and have no regrets. We're pretty healthy, but thinking about down the road, it seemed like the right plan for us. There is a lot to think about when first getting started on Medicare and having to choose a plan, but these videos can be very helpful.

Plan N certainly sounds like the better option but you nailed it with the comfort of risk people feel and knowing what the fixed costs will be vs. the unknown. I think medical conditions can change on the dime - from relatively healthy to some hidden disease that suddenly requires more doctors/specialists and procedures. If the Guaranteed Issue Rights extended to Plan N, I could easily see how many people would stick with until Plan G would make more sense. But once in Plan N, it is long-term. Great explanation of it all! I'm in Illinois with the birthday rule but it doesn't matter if Plan N is excluded.

thank god you slowed down, thank you!

Always the best from the best, thank you!

Thank you..For The Great Information!!!!!!! Do You Also Do.... Supplements??

Great job Cameron. How do you go about having a state implementing a birthday type rule like California (in Michigan)?

Thanks for the video, I will be turning 65 in about 7 months.The one takeaway I learned from this is, brokers are not contracted with all insurers, how would I know that I am getting the best policy if each broker has different contracts? Can you get different quotes from different brokers?

Thanks Cameron. Your videos offer the most complete information on Supplement plans that I've seen. Thanks again. It's very much appreciated!

Perfect timing, I'm looking at Medigap plans right now!! Do I have to worry about coverage across state lines? If I purchase a plan from a Michigan insurer can I move to California and keep the same plan? Thanks

What happens when you are on no medications at all and never did, but you have to have Plan D and yours paid $41 a month????

HDG if you are healthy. Max out of pocket is around $2,800. You can bank the differnce. Rate increases are small, mine went down $9 a month for 2025.

Scam

The sound effects are driving me crazy!!!

Excellent video. Thank you.

Thanks so much for posting this video. So very helpful. QQ, if there's a medication that is not listed on a formulary and needs pre-authorization, would being on a lower premium plan lessen the chances of it being approved, or being on a higher premium plan increase the probability of it being approved ? Or the factors for non-formulary drug approvals have nothing to do with the premium cost? Thank you in advance for your input.

thanks for bringing the perspective of making these decisions from a long-term perspective! with that in mind, how concerned should I be when I hear about one of the larger providers having the practice of frequently "closing books" leading to larger increases after a few years? is this something all companies do? or is this a reason to shy away from a particular provider(s)?

The $191 example for excess charges was nice, but what if you have major surgery for $191,000? Instead of $10 excess charges would be more like $10,000. And, on the Medicare web site you can only search for participating providers, not non-participating providers.

So you have Plan N and they're prepping you for surgery and they call in an anesthesiologist who has excess charges. What are you going to do, say "hey doc, can you wait while I check on medicare.gov if the anesthesiologist has excess charges?". LOL

So how does high detectable plan G protect us financially? I still don't get that.

This was a great video. Thanks for the excellent information and well-delivered content. Exactly what I was looking for.

It seems that the BCBS Advantage Plan in my state considers any provider in the "National Medicare Advantage" network as "in network". Is that common? It would seem that this eliminates one of main drawbacks to an Advantage Plan, since I see very many providers / hospitals in other states in the "National Medicare Advantage" network. Am I missing anything here?

Very helpful, thanks! I live overseas most of the year, but I want to keep coverage in the USA when I return for periodic visits and any possible future major medical need. At my age of 70 and home state of Alabama, I can get Plan N for $125 a month (MOO) and a HD-G for around $50 a month. Would you agree that HD-G makes the most sense in this scenario? Or is it worth paying the extra of getting into Plan N now while I can, no health issues?

Great info. Thank you guys.

Cost shifting and three-card monte have a lot of similarities.

Excellent analysis and presentation. Three years ago I signed up for Plan G high deductible thinking of only Hospital costs. This year I was diagnosed with Wet Age Related Macular Degeneration and I go to the Retina Specialist for an injection in the eye every 4 weeks and the injection itself is 2000 dollars each time plus doctor and lab charges costing me $ 420 out of pocket each visit. Contrary to my planning now I have to first meet the 2800 dollar deductible ( ever increasing ) every year. My advice to those who can afford it, just take the Medigap plan G ( the regular one) and be happy.

Oh they definitely don’t care if you understand the system or not so I better off just going to somebody on the television and asking them because it’s an agent or did they work specifically for somebody and they’re getting paid who the hell do you trust because I’ve got a broker and I don’t trust them and it’s my second broker and they both acted like they could care less about teaching me anything or helping me see what’s out there

Oh they definitely don’t care if you understand the system or not

Why is my broker not wanna see me on a yearly basis if there’s new things coming out and I send them a few and then all of a sudden he asked me my doctors day my medication like you’ve got all that you just saw me last year it’s the same and then they said they’ll get back to you you never do

Then how is it worth it for you to work for a Medicare advantage person if you’re not getting paid who are you getting paid from???

I live in California and interacted Blue shield of California, are they good for my supplemental plan F ?

Politics are never straight forward, and always cost more than expected.

Plan N , if I go dr 10/yr x20$ =200, less than ~30$differentx12

I’m keeping my Medigap for life if they let me!

Outstanding video! Very clear and informative!! Thanks.

As a swiss i can do this in rthe conract allreday no seed to get comlicated

In short, if you aren't in near perfect health, YOU'RE SCREWED !

A very informative video but you have way too many sound effects LOL. It was a little bit distracting but still worth watching.

Very Important: NON-formulary drugs will not be covered after the $2,000 out-of-pocket cap in 2025 for Medicare Part D plans; the cap only applies to drugs listed on your plan's formulary, meaning you will still have to pay the full cost of any non-formulary medications even after reaching the cap

Does that mean I'm getting a 260% penalty fee after 26 years???? I appealed 4 times and was denied!! How do I get equitable relief??? I am 56 on SSI child adult disability.

Does that mean I'm getting a 260% penalty fee after 26 years????

WOW, I wouldn't mind a 20% late fee or $34.00. They are taking out $611.00!! What percent of late enrollment fee would be 26 years???

This idea is the most Evil and Vile thing the Government ever came up with! There are so many disabled homeless people because of a high late environment fee!!